- What is cardiac health insurance?
- Key features
- Inclusions and exclusions
Health Insurance for Heart & Cardiac Patients
Heart disease has emerged as a major global health concern, affecting people of all ages. In India, the prevalence of cardiovascular diseases is alarmingly high. Given the rising healthcare costs, having adequate health insurance coverage is crucial for individuals with heart conditions.
Alert!! 
Heart disease is a leading global health concern, claiming 17.9 million lives annually. It often results from conditions like high blood pressure and elevated blood sugar. -World Health Organisation
Heart Insurance is an essential protection plan for individuals with a proven family history of heart ailments or someone who is recovering from a heart ailment. Heart insurance plans have multiple features and benefits that allow insurance holders to take better care of their heart health. Regular heart check-ups, treatments, surgery cover, and hospitalisation cover for heart patients reduce a lot of financial stress from the individual recovering or getting treated for any heart ailment.
Why Health Insurance for Cardiac Patients?
Medical emergencies come unannounced. Thus, having health insurance to avoid any financial burden at the time of a medical emergency has become a necessity. Moreover, the prevailing sedentary lifestyle leads to deteriorated health conditions. Making it even more important to be prepared with protection for unforeseen medical emergencies. When it comes to heart-related diseases, cardiovascular diseases (CVDs) have now become the leading cause of mortality in India where Ischemic heart disease and stroke are the predominant causes and are responsible for >80% of CVD deaths according to the data provided by the World Health Organisation. Further to this, as per the Indian Heart Association, 50% of all heart attacks in Indian men occur under 50 years of age and 25% of all heart attacks in Indian men occur under 40 years of age.
Another challenge that one may face while getting treated for any heart-related disease is the treatment costs. Over the years, Heart Care Treatment costs have increased exponentially and most of the treatments are not even affordable for the general public.
For example
the cost of an open heart surgery ranges from Rs 1.75 lakh to 4.25 lakh. Coronary angiography is likely to cost around Rs.10,000 to Rs. 15,000. Moreover, valve surgeries could easily cost you between Rs 2.5 lakh- 4 lakh. Hence having Health Insurance for Heart patients becomes the biggest support during any such emergency.
To safeguard yourself & your family against rising healthcare costs, Insurance designed specifically for Cardiac Care has become indispensable. Read more to find out more:
What is Cardiac Health Insurance?
If we go by the above figures, Cardiovascular Diseases (CVDs) are one of the primary causes of mortality in India. Therefore, to help people cope with the exorbitant heart treatment cost, General Insurers in India have introduced Health Insurance for cardiac patients. Such plans offer coverage against the expenses arising due to hospitalization and treatment procedures for the cardiac conditions of the Insured person.
Health Insurance Plans for Cardiac Patients
| Name Of Plans | Entry Age | Sum Insured | Premiums (Approx.) |
| Care Heart Plan | Minimum- 18 Years Maximum- No Limit | Upto INR 10 Lakh | INR 1,183 per month |
| Care Freedom Plan | Minimum- 90 Days Maximum- No Limit | Upto INR 5 Lakh | INR 5,653 per month |
| Star Cardiac Care Plan | Minimum- 10 Years Maximum- 65 Years | Upto INR 4 Lakh | INR 1,225 per month |
| Star Critical Illness Multipay Insurance Policy | Minimum- 18 Years Maximum- 65 Years | Upto INR 25 Lakh | INR 1,534 per month |
| Star Special Care | Minimum- 3 Years Maximum- 25 Years (who are diagnosed with Autism) | Upto INR 3 Lakh | INR 4800 per month |
| Niva Bupa CritiCare | Minimum- 18 Years Maximum- 65 Years | Upto INR 3 Crore | INR 1044 per month |
| ManipalCigna ProHealth Prime | Minimum- 91 Days Maximum- No Limit | Upto INR 1 Crore | INR 919 per month |
| Aditya Birla Activ Secure Critical Illness | Minimum- 5 Years Maximum- 65 Years | Upto INR 1 Crore | INR 668 per month |
| SBI Critical Illness Insurance Plan | Minimum- 18 Years Maximum- 65 Years | Upto INR 10 Lakh | INR 588 per month |
Importance of Health Insurance for Cardiac Patients in India
No doubt, heart ailments are expensive to treat and can drain out your hard-earned savings if you do not have comprehensive heart insurance. Health insurance for cardiac patients is a boon as it covers major hospitalization expenses, daycare procedures, ambulance cover, cashless hospitalization, annual cardiac check-ups, domiciliary hospitalization, alternative treatments, and more.
Heart patients in India are on a constant rise due to sedentary lifestyles and lack of physical activity. Unhealthy lifestyles such as a lack of nutritious diet, smoking, drinking, and no physical activity are pushing the Indian population towards increased risk of cardiac arrest, strokes, and more.
Here are two major reasons why health insurance for cardiac patients is important in India:
Financial protection
Cardiac procedures and medications can be extremely expensive. Heart attacks and other cardiac emergencies often require immediate medical attention, which can incur significant costs.Timely access to quality care
Health insurance allows for cashless hospitalizations at network hospitals, eliminating the need for upfront payments. Health insurance companies often have streamlined claim settlement processes, ensuring timely reimbursement.
Key Features of Cardiac Health Insurance
Take a look at the below table where we have mentioned some of the Health Insurance companies that cover the expenses incurred due to cardiac ailments.
Comprehensive Coverage
Having Cardiac Health Insurance will allow the policyholder to get treatment coverage for an extensive list of cardiac conditions and procedures.Fixed Lump Sum Payout
The policyholder is eligible to avail of the fixed lump sum payment, irrespective of actual expenses incurred for diagnosis/procedure.Coverage for Income Loss
Under this type of Health Insurance plan, you will be compensated for the loss of your income as the claim amount can be used to incur household expenses too.Tax Benefit
Like all other Health Insurance plans, under Cardiac Health plans, you are eligible for Tax Deductions under Income Tax Act.Avail plan options
Heart Insurance provided by insurance providers offers various plan variants offering multiple benefits and features beneficial for the insured individual. Many health insurances for heart patients offer benefits such as income benefits, indexation benefits, hospitalization benefits, lifelong renewability, and more.Regular Cardiac Health Check-Ups
Heart Insurance covers insured individuals for regular cardiac health check-ups which is an essential part of cardiac health care and optimal recovery.Cover for Domiciliary hospitalization
Many health insurances for heart patients have the feature of domiciliary coverage as it is an illness that has a time-consuming recovery. Domiciliary cover in insurance for heart patients means all the medical expenses that occurred during the treatment of an insured at home will be covered by the insurance provider up to a certain time limit mentioned in the policy schedule.
What is Covered under Cardiac Health Insurance?
In-hospitalisation Expenses
Having specific cardiac health insurance will cover all the expenses that will arise due to hospitalisation treatment for more than 24 hours.
Pre & Post-hospitalisation Expenses
Varying from policy to policy, such plans also cover pre-hospitalisation (expenses incurred before admission) and post-hospitalisation (expenses incurred after admission) expenditures up to a specific time frame.
Domiciliary Hospitalisation
In case the patient is not in a state to move to the hospital for treatment or in situations when there are no vacant beds/ medical amenities in the healthcare centres or hospital, then he/she can opt for domiciliary hospitalisation.
Ambulance Expenses
Expenses incurred by the insured person for moving from the place of residence to the hospital are also covered under health insurance for heart patients.
Alternative Treatments
Alternative medical treatments such as AYUSH treatment, which covers Homoeopathy, Unani, Siddha, and Ayurveda treatment are also covered.
Daycare Treatments
Treatments that do not require 24 hours of hospitalisation are also covered under cardiac health insurance.
Myocardial Infarction (First Heart Attack) & Refractory Heart Failure
Such treatments are covered as per the diagnosis of the cardiologist or the policy document.
Treatments or Medical Procedures Covered
Following treatments are generally covered under a Cardiac health insurance plan:
- First Heart Attack - of Specified Severity
- Pericardiectomy
- Angioplasty
- Balloon Valvotomy or Valvuloplasty
- Open Chest Coronary Artery Bypass Graft
- Minimally Invasive Surgery of Aorta
- Surgery to place Ventricular Assist Devices
- Implantable Cardioverter Defibrillator (ICD)
- Open Heart Replacement or Repair of Heart Valves
- Primary Pulmonary Arterial Hypertension
- Heart Transplant
- Surgery for Cardiac Arrhythmia
- Insertion of Pacemaker
Note:The above procedures may vary from Insurer to Insurer. Before buying a Cardiac Health plan, you must check with your Insurer about the coverage of these procedures.
What is Not Covered Under Cardiac Health Insurance?
The following treatments are not covered under a Cardiac health insurance plan:
Self-inflicted injury and suicidal attempts
Maternity Expenses such as treatments related to pregnancy and childbirth, abortion, miscarriage, and other complications
Infertility and IVF treatments and related tests
Congenital diseases
Hospitalization is required due to any illness resulting from Drug or Alcohol consumption
Hearing aids (unless specified in your policy documents)
Vision treatment, dental care, physiotherapy, etc
War, Riots, Strikes, Nuclear Weapons induced hospitalization are also excluded
How Is Cardiac Health Insurance Different from Regular Health Insurance?
Often people get confused about how their regular Health Insurance is different from specific Cardiac Health insurance. Well, though it’s true that your regular Health Plan will cover all the Hospitalisation Expenses (Pre & Post). However, there is a certain sub-limit that comes when coverage is offered against any Critical Illness such as cardiac ailments or cancer.
Moreover, considering the rising incidences of Cardiac Diseases in India, it is better to be prepared in advance for any uncertainties. Having a Cardiac Health plan will ensure that you have a customized fixed benefit health plan that only caters to conditions related to the heart.
Check out the table below to understand the major difference between cardiac health insurance and regular health insurance.
| Cardiac Health Insurance | Regular Health Insurance |
| Specifically tailored to cover heart-related conditions and procedures. | It provides broader coverage for a wide range of illnesses and injuries. |
| Prioritizes coverage for heart ailments, including heart attacks, bypass surgeries, angioplasties, and other cardiac procedures. | Offers general medical coverage, but may have limitations or exclusions for specific heart conditions, especially if they are pre-existing. |
| Often provides lump sum benefits upon diagnosis of a critical heart condition, that can be used for various medical expenses. | It typically covers medical expenses incurred during hospitalisation and treatment. |
| These plans may have shorter waiting periods for heart-related treatments compared to regular health insurance. | These plans often have a longer waiting period for pre-existing conditions, which can be a significant factor for individuals with a history of heart problems. |
Who Should Buy Cardiac Health Insurance?
Earlier it was a notion that people above 40 or with obesity were at the risk of getting a cardiac attack. However, with the habits we have or the lifestyle we are leading, cardiac ailments can affect anyone in any age group.
Moreover, the treatment for heart-related ailments are on a constant rise and can cost one his life-long savings.
Thus it is recommended to have Cardiac Health Insurance if you have a sedentary lifestyle which makes you prone to lifestyle diseases including cardiovascular ailments such as heart attacks, heart failure, etc.
With adequate Cardiac cover, one can avail of 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 Health Insurance for Heart patients online, you can follow two options:
Buy from PolicyX.com
- Fill in the form available at the top of this page
- Enter details such as your name, contact details etc.
- Once done, the next page will show you all the available mediclaim policies for heart patients.
- Choose the best suitable plan as per your requirements
- Pay the premium online. Once the payment is confirmed, your policy details will be shared with you on your registered email address.
Buy from Company’s website
- Visit the official website of the company
- Click on the plan you want to buy
- Fill in your details such as your age, gender and other specifications
- Once done, submit the form and the screen will show the premium you need to pay
- Pay the premium online. Once the payment is confirmed, your policy details will be shared with you on your registered email address.
Bottom Line
Heart disease remains a leading cause of mortality in India, and the financial burden of treatment can be significant. Regular health insurance can help, but it may not provide enough coverage for specific cardiac conditions. Cardiac health insurance offers a safety net, ensuring you have the financial resources to access the best possible treatment in case of a heart-related emergency.
Don’t wait till it’s too late! Explore the options available at Policyx.com and choose a cardiac health insurance plan that suits your needs and budget. Invest in your heart health and peace of mind today!
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Health Insurance for Heart & Cardiac Patients: FAQs
1. Is angioplasty covered under health insurance plans in India?
Yes, many health insurance plans in India cover angioplasty. Some examples include the Care Heart, Star Cardiac Care, Niva Bupa CritiCare, etc.
2. Is the treatment for heart failure expenses covered under any health insurance policy?
Health insurance plans like, Aditya Birla Activ Secure, ManipalCigna Lifestyle Protection- Critical Care plan, and Niva Bupa Health Assurance plan cover the treatment for heart failure expenses.
3. Are heart mediclaim available under the family floater plans?
Yes, heart mediclaim is generally available under the family floater plans. These plans offer comprehensive coverage for families, including several medical expenses like hospitalisation, surgeries, and treatments.
4. Which policy is the best for Heart patients?
Various companies offer specific Health Insurance plans for Cardiac patients. There is no one specific best plan. Rather, the plan which meets your requirements is the best plan for you. You must conduct thorough research before investing in a plan.
5. Why do I need to buy Cardiac Health Insurance Plans?
With the continuous increase in healthcare services, getting treatment for cardiac ailment can sweep away all your savings and put your family in emotional and financial distress. Thus, In order to handle such medical emergencies without any financial stress, it is important to have Cardiac Health Insurance.
6. I have an Individual Health Insurance policy. Do I still need separate Health Insurance for Cardiac Patients?
Buying separate insurance for Heart patients along with an Individual health policy solely depends on your requirements. If you feel that the coverage provided by your existing health insurance is insufficient for treating a cardiovascular ailment, then you can opt for a cardiac Health plan as well.
7. Why is heart insurance important?
Heart Insurance is necessary for individuals with a history of cardiac ailments or for someone who has a sedentary lifestyle. Heart related treatments are generally very expensive and the plans provide coverage for in-patient hospitalization, ECG, domiciliary hospitalization, surgery, and more.
8. Am I covered for alternative treatments under heart insurance?
Depending on the heart insurance plan the insured individual can avail AYUSH treatments up to a specified limit in the policy schedule for a faster recovery process.
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Written By: Simran Saxena
An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Travelling and writing are her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and seamlessly solves the reader’s query.
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