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.

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 2023

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	N/A	18- 65 years	View Plan
Niva Bupa (Formerly known as Max Bupa) Health Insurance	Criticare Health Insurance Plan	3 lakh- 2 Crore	N/A	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	N/A	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 Policybazaar.com:

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 Policybazaar.com or email us at care@policybazaar.com

FAQS

Q1. Why do I need to buy a Heart health insurance policy?

Heart health insurance is a specific health insurance plan that offers coverage to an individual with cardiac ailments or someone who has undergone a Cardiac surgery or related medical procedure. It is specific health insurance for heart patients and is beneficial for people with pre-existing cardiovascular diseases.
Q2. Is angioplasty covered in heart health insurance plans?

Yes, angioplasty is covered in heart health insurance plans.
Q3. What are the symptoms of Myocardial Infarction (First Heart Attack) is it covered by a cardiac health insurance policy?

The symptoms of myocardial Infarction (first heart attack) are chest pain, Electrocardiogram changes, an Increase in infarction enzymes, and other biochemical markers. Cardiac health Insurance plans do cover heart attack treatment. The same is also covered by critical illness plans.
Q4. Which health insurance is best for heart patients?

There are different health insurance plans designed for heart patients. You can buy a specific cardiac insurance plan or a critical illness policy with heart insurance cover. To check out different cardiac health insurance plans and critical illness plans you can visit Policybazaar.com and buy a policy that meets your requirements.
Q5. Does Critical Illness health insurance cover heart-related ailments?

Yes, critical illness plans cover heart-related ailments such as first heart attack, heart valve surgery, Coronary Artery By-pass Surgery (CABG), etc.
Q6. Is heart failure expense covered under the Cardiac health insurance plans?

Some cardiac health insurance plans cover heart failure expenses. However, this may vary from one health plan to another and from one insurer to another.
Q7. Does Star Health & Allied Insurance Company provide cardiac health insurance cover?

Yes, Star Health & Allied Insurance Company provides cardiac health insurance cover with its Star Cardiac Care Plan
Q8. Is Insertion of Pacemaker covered under Cardiac health insurance plans?

Insertion of a permanent cardiac pacemaker is covered under Cardiac health insurance plans, if it is required to treat serious cardiac arrhythmia, which cannot be treated otherwise. The insertion of the cardiac pacemaker must be certified by a medical specialist.
Q9. Does Care Health Insurance Company provide heart health insurance cover?

Care Health Insurance provides Care Heart Plan that covers major heart ailments including cardiac health check-ups. The sum insured options under this policy are Rs 3 lakh to Rs 10 lakh. Home care add-on cover is also provided.
Q10. Are there any sub-limits under the Cardiac health insurance plans?

Yes, there can be sub-limits under the Cardiac health insurance plans but it varies from one insurer to another and from one insurance plan to another. Please check the policy wordings before the purchase to know the sub-limits applicable to your heart health insurance plan.