Heart Surgery Cost in Mumbai

What is Heart Surgery?

Heart surgery involves repairing the heart's arteries, valves, aorta, or muscles necessary to restore blood flow. It is used to treat blockages, valve abnormalities, and irregular heartbeats. Types of heart surgery procedures performed in Mumbai include open-heart surgery, off-pump surgery, and minimally invasive surgery. However, the ideal method for a patient will depend on their health condition.

What is the Cost of Heart Surgery in Mumbai?

The cost of heart surgery is different for everyone in Mumbai. Take a look at the average open heart surgery cost in Mumbai:

• Minimum heart surgery cost in Mumbai: ₹1,00,000 to 2,00,000
• Maximum heart surgery cost in Mumbai: ₹11,50,000 to 17,00,000

Disclaimer: The price mentioned above is not precise. It may vary for different types of heart surgery and from one hospital in Mumbai to another.

What is the Cost of Different Components of Heart Surgery in Mumbai?

When considering the heart surgery cost in Mumbai, the surgeon fees and operating theatre charges are not the only costs involved. The patient must be hospitalised for a few days before & after surgery and may need additional diagnostic tests. The patient may also need extensive care in the ICU for the first few days post-operation. Besides, the follow-up consultations and pharmaceutical costs must also be considered.

Here is a breakdown of different components that influence heart surgery costs in Mumbai:

Disclaimer: The prices mentioned above are not precise. It may vary for different types of heart surgery and from one hospital in Mumbai to another.

What are the Types of Heart Surgery in Mumbai?

Different problems like valvular heart diseases, aortic aneurysms, coronary artery disease, pericardiectomy, etc. can require heart surgery. In Mumbai, the following types of heart surgery are done:

Why Does Heart Surgery Cost Vary for Different Patients in Mumbai?

Heart surgery, though lifesaving, has high variability in costs across patients. Several factors influence surgery costs in Mumbai, each contributing to the overall expense. Let us understand the factors that affect heart surgery costs in Mumbai:

1. Patient’s Health

   The patient's general health is a significant determinant of the cost of heart surgery. For severely ill patients, additional tests before the operation, more extended hospital stays, and more intensive after-surgery care may be needed. For instance, the operation may be costlier for a diabetic or hypertensive patient because of the specialised care needed for operating on them.

2. Type of Heart Surgery

   The type of heart surgery a patient needs also affects its cost. For instance, bypass surgery is more expensive than an angioplasty. The type of heart surgery to be performed depends on the health condition of the patient.

3. Type of Surgical Procedure

   The cost also depends on the type of heart surgery procedure. This may be an open-heart, off-pump, or minimally invasive technique. The open-heart kind of surgery is costlier because it is usually more complex and takes longer; thus, the recovery time is longer.

   Minimally invasive procedures are cheaper, though they may not be appropriate for every patient. This will depend on the actual condition of the patient and the surgeon's advice.

4. Type of Hospital

   The choice of hospitals in Mumbai can affect the pricing of heart surgery. These vary from high-class private hospitals to economical public facilities. High-class hospitals often offer advanced technology, luxurious amenities, and personalised care — all of which can raise costs. A public hospital or smaller private facilities give more basic services for lower prices.

5. Expertise of Surgeon

   The expertise and reputation of the surgeon performing the heart surgery may also influence the cost. Reputed surgeons with years of experience and higher success rates may charge a higher fee to perform the surgery.

6. Type of Room and Duration of Hospitalisation

   The cost of heart surgery in Mumbai also depends on the duration of hospitalisation and the type of room the patient stays in. The more are the days of stay in a hospital, the costlier the procedure will be. For instance, heart bypass surgery will be more costly than a stent operation because it involves a longer period of stay in the hospital.

   Similarly, patients who get admitted to single-private AC rooms will have to bear higher costs than those who opt for twin-sharing rooms. Therefore, both the time spent in the hospital and the type of room a patient chooses determine the final cost of the heart surgery.

7. Type of Graft and Devices Used

   The heart surgery cost will further vary according to the different types of devices, tools, and grafts used during the procedure. For example, placing a stent tends to be cheaper than implanting a pacemaker, as the cost of the latter is higher. Thus, patients scheduled for pacemaker surgery will expect a higher cost compared to those receiving a stent placement in Mumbai.

Does Health Insurance Cover Heart Surgery Cost in Mumbai?

Yes, most heart surgery costs in Mumbai are covered under health insurance. Be it individual health plans or family floater plans, they will cover the cost of heart surgery. These policies generally cover the expenses of hospitalisation, surgery, OT charges, ambulance costs, consumables, and pre-hospitalisation and post-surgery expenses. However, the coverage may vary from one plan to another.

Other disease-specific plans, like critical illness insurance and heart insurance plans, also cover heart surgeries. Critical illness insurance pays a lump sum benefit once when diagnosed with severe heart ailments. On the other hand, heart insurance plans are meant to cover all types of cardiac treatments and surgeries based on specific heart-related illnesses.

However, waiting periods may apply to obtain coverage for heart surgery. Typically, all health plans come with an initial waiting period of 30 days before a new policy would pay out any claims. A critical illness insurance policy also has a waiting period of 90 days before any benefits are payable following diagnosis. Policies may also have a waiting period for pre-existing heart diseases, which could be up to 3 years, depending on the policy.