Health Insurance for Heart Patients and Cardiac Surgery

Health Insurance Companies offer specialized health insurance policies such as critical illness insurance, insurance for senior citizens and pre-existing illness plans to lure more customers. Moreover, health insurers also provide health insurance plans for heart patients that cover heart-related ailments including acute heart diseases.

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    Cardiac Health Insurance for Heart Patients

    As per the Indian Heart Association, more than 50% of all heart attacks are reported in individuals below the age group of 50 years. While 25% of heart attacks are seen in people below the age group of 40 years, which makes the need for cardiac health insurance plans even crucial. It helps the policyholder keeping-up with the rising medical costs that can otherwise wipe most of their savings.

    Cardiac health insurance plans cover acute heart diseases such as refractory heart failure, myocardial infarction or heart attack, cardiomyopathy, etc. And to handle these medical emergencies without any financial stress it is essential to buy health insurance for heart patients.  

    Here are some of the best Cardiac Health Insurance Plans and Critical Illness Plans with heart insurance cover that you can buy in India:

    Top Cardiac Health Insurance Plans for Heart Patients in 2021

    Health Insurance Company

    Cardiac Health Insurance Plans

    Sum Insured (Rs.)

    Age Criteria (in years)

    Aditya Birla Health Insurance

    Activ Secure Critical Illness Plan

    Up to Rs 1 Crore

    5- 65 years

    View Plan

    Bajaj Allianz Health Insurance

    Critical Illness Insurance

    1 lakh- 50 lakh

    91 days- 80 years

    View Plan

    Bharti AXA Health Insurance

    Critical Illness Insurance Plan

    3 lakh

    3 months- 55 years

    View Plan

    Care Health Insurance

    Care Heart Plan

    3 lakh- 10 lakh

    18 years & above

    View Plan

    Chola MS Health Insurance

    Critical Healthline Plan

    Rs 3 Lakh, Rs 5 Lakh, & Rs 10 Lakh

    18- 65 years

    View Plan

    Future Generali Health Insurance

    Future Generali Heart & Health Insurance

    5 lakh- 50 lakh

    18- 65 years

    View Plan

    Iffco Tokio Health Insurance

    Critical Illness Insurance Plan

    Up to Rs 1 Crore

    Up to 60 years

    View Plan

    Kotak Health Insurance

    Secure Shield- Critical Illness Insurance


     18- 65 years

    View Plan

    Niva Bupa (Formerly known as Max Bupa) Health Insurance

    Criticare Health Insurance Plan

    3 lakh- 2 Crore


    View Plan

    Manipal Cigna Health Insurance

    Lifestyle Protection - Critical Care Health Plan

    1 lakh- 25 Crore

    18-65 years

    View Plan

    National Health Insurance

    Critical Illness Policy

    1 lakh- 75 lakh

    18-65 years

    View Plan

    Reliance Health Insurance

    Critical Illness Insurance Plan

    5,7, 10 lakh

    18-65 years

    View Plan

    Star Health Insurance

    Cardiac Care Plan

    3 lakh/7lakh

    10-65 years

    View Plan

    SBI Health Insurance

    Critical Illness Insurance Plan

    Up to Rs 50 lakh

    Up to 65 years

    View Plan

    Tata AIG Health Insurance

    Medicare Policy

    3 lakh- 20 lakh


    View Plan

    United India Health Insurance

    UNI Criticare Health Insurance Plan

    Rs 1 Lakh, 3 Lakh, 5 Lakh & 10 Lakh

    21-65 years

    View Plan

    Universal Sompo Health Insurance

    Critical Illness Health Insurance Plan

    Rs 2.5 Lakh- Rs 20 Lakh

    5-65 years

    View Plan
    See More Plans

    Disclaimer: *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

    Importance of Health Insurance for Heart Patients in India

    The rising number of cardiovascular ailments, like heart attacks, strokes, high levels of cholesterols along with the increasing cost of treatment put an emphasis on the importance of health insurance for heart patients in India. It is specific health insurance for cardiac patients and is beneficial for people with pre-existing heart ailments.

    The main objective of these health insurance plans is to reduce the financial burden and help the insured avail the best heart-related treatments like CABG or Coronary by-pass surgery, stent, etc.

    Key Features of Cardiac Health Insurance Plans

    A range of the key features and benefits of cardiac insurance policies are given below:

    • Hospitalization Cover- The policy offers compensation for the cardiac treatment cost and other related expenses including hospitalization expenses
    • Financial Cover- The policy offers peace of mind in case there is a heart-related problem like a heart attack, then the insured can file a claim under cardiac insurance without worrying about the finances
    • Lumpsum payment of the Sum insured- In case the insured is diagnosed with any cardiovascular illness then the insurer pays the coverage amount in a lump sum
    • Loss of Income Cover-Under cardiac care health insurance plan the insurer also compensates for the loss of your income as the policy claim amount can be utilized to meet other miscellaneous expenses too
    • Overseas Treatment-Depending on the policy coverage, a heart insurance policy may also cover treatment taken overseas
    • Tax Benefit on the Premium- Under the Income Tax Act, 1961, you are eligible to avail of tax benefits up to Rs 25,000 on the health insurance premium paid for cardiac health plans

    Nonetheless, these benefits of heart health insurance plans are subjected to certain terms and conditions.

    What is covered under Cardiac Health Insurance Plans?

    One of the major benefits of cardiac care health insurance plans is that the policyholder receives a lump sum amount from the insurer. Listed below are a few coverage benefits that you can avail under a heart insurance policy for heart patients:

    • Coverage for in-hospitalization Expenses- These are the expenses that are incurred in the hospital like ICU Charges, etc. These are also reimbursed by the insurance provider, depending on the hospital where the treatment is being done
    • Pre and post-hospitalization Expenses- As a normal health insurance plan covers in-patient hospitalization expenses, these expenses are covered under heart insurance plans too
    • Domiciliary Hospitalization/ OPD Treatment- Some cardiac health plans also cover expenses incurred on homecare treatment, if it is suggested by the doctor just like other health insurance plans
    • Myocardial Infarction (First Heart Attack) Cover- Most of the heart insurance plans cover the first heart attack treatment that arises if a heart muscle dies due to inadequacy of the blood supply to the heart. The diagnosis of myocardial infarction may be supported by clinical symptoms like chest pain, acute myocardial infarction, Electrocardiogram, or other biochemical markers.
    • Refractory Heart Failure- The diagnosis should be done by a cardiologist, or the report should reveal elevated biomarkers, or as indicated in the policy wordings
    • Annual Cardiac Health Check-ups/Wellness Program- Health insurance for heart patients, also provide annual health check-up benefits to help the insured make the right diagnosis.
    • Alternative Treatments- Health insurance for heart patients also covers expenses incurred on alternative medical treatments such as Ayush treatment, homeopathy, Unani, Siddha, and Ayurveda treatments

    Treatments or Medical Procedures Covered

    Cardiac health insurance plans largely cover the following treatments:

    • First Heart Attack - of Specified Severity
    • Pericardectomy
    • Balloon Valvotomy or Valvuloplasty
    • Open Chest Coronary Artery Bypass Graft
    • Surgery to place Ventricular Assist Devices
    • Surgery for Cardiac Arrhythmia
    • Minimally Invasive Surgery of Aorta
    • Open Heart Replacement or Repair of Heart Valves
    • Primary Pulmonary Arterial Hypertension
    • Implantable Cardioverter Defibrillator (ICD)
    • Angioplasty
    • Heart Transplant
    • Insertion of Pacemaker

    What is not covered under Cardiac Health Insurance Plans?

    Health insurance plans for heart patients do not cover the following expenses:

    • Expenses attributable to self-inflicted injury and suicidal attempts
    • Treatment related to pregnancy and childbirth, abortion, miscarriage,  and other complications
    • Internal congenital diseases are not covered
    • Hospitalization required due to any illness resulting from to drug or alcohol consumption
    • infertility and IVF treatments and tests are not covered
    • War, riot, strike, nuclear weapons induced hospitalization is not covered

    Who should Buy Cardiac Health Insurance Plans?

    Cardiac ailments are on a rise and can affect anyone in any age group. The lengthy course of treatment can impact anyone’s finances. Therefore, cardiac health insurance plans are suitable for people who are prone to lifestyle diseases including cardiovascular ailments such as heart attacks, heart failure, etc. where people need to undergo some heart procedure. People with existing heart conditions or those with a family history of cardiovascular illnesses are advised to consider buying a cardiac health insurance policy.

    Nowadays, the treatment for heart-related ailments can cost a fortune, and with adequate health insurance cover, even heart patients can avail the best treatment and lead a healthy life without worrying about the cost of the treatment.

    How to buy Cardiac Health Insurance Plans Online?

    To buy a cardiac health insurance plan online you can visit the insurer’s official website or go to

    • At Policybazaar you can compare and buy different heart insurance plans from top insurers
    • You can check various cardiac health insurance plans their features, benefits, and sum insured
    • Some heart health insurance plans also have add-on coverage benefits like domiciliary hospitalization cover, waiver of premium, personal accident cover, etc.
    • Once you select the cardiac health insurance plan you can pay the premium online
    • The policy will be issued and emailed to you on your registered email id

    For more details you can speak to the health insurance experts at or email us at


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