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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.
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:
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 |
Disclaimer: *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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.
A range of the key features and benefits of cardiac insurance policies are given below:
Nonetheless, these benefits of heart health insurance plans are subjected to certain terms and conditions.
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:
Cardiac health insurance plans largely cover the following treatments:
Health insurance plans for heart patients do not cover the following expenses:
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.
To buy a cardiac health insurance plan online you can visit the insurer’s official website or go to Policybazaar.com:
For more details you can speak to the health insurance experts at Policybazaar.com or email us at care@policybazaar.com
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.
Yes, angioplasty is covered in heart health insurance plans.
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.
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.
Yes, critical illness plans cover heart-related ailments such as first heart attack, heart valve surgery, Coronary Artery By-pass Surgery (CABG), etc.
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.
Yes, Star Health & Allied Insurance Company provides cardiac health insurance cover with its Star Cardiac Care Plan
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.
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.
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.
*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws.
##On ground claim assistance is available in 114 cities
~No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.
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