Choose among the best health insurance for heart patients. Get a plan that best suits and gives you adequate health care coverage.

The incidence of heart disease in India is three times more than the western counterparts. This of course means that with the population we have 10 to 12% of people are getting heart disease. At this pace, there will be billions and billions of people who will have to undergo procedures and treatment.

It is a serious situation that we have come into being at a stage where we are facing the epidemic of heart disease in India. Indians have a very high incidence of heart disease. If it is a family history of heart disease it is better to get a check-up done. In this case, health insurance for heart patients becomes essential.

Statistical Data of Heart Disease in India:

According to the World Health Organization, almost 63% of total deaths in India are mainly due to non-communicable disease. Of which 27% are known to be due to cardiovascular disease. 45% of people in the age group 40-69 are at high risk of heart disease.

One in 4 people is dying of cardiovascular disease. According to the Times of India newspaper every 33 seconds, 1 person is being killed in the country due to heart disease.

Cost of Treatment for Heart-Related Problems:

Our sedentary lifestyle is the major cause of heart problems. But it does not mean that people having a healthy lifestyle are not prone to heart disease. Securing yourself against unexpected expenses due to CVD is a smart way to secure your future.

The cost of treatment for coronary heart disease is expensive. Sudden and unexpected hospital expenses can lead to wreck and havoc in the family.

  • The cost of open-heart surgery in a regular private hospital ranges from 2 lakhs to 4.25 lakhs.
  •  If you are to take an angiography the cost is around 10,000 to 15,000. 
  • A heart valve surgery is likely around 2.5 lakhs to 4 lakhs. 
  • The cost of a heart stent placement is way expensive that could easily soar up to lakhs.
  •  A bypass heart surgery in India costs around 4 lakhs.

Since the cost of treatment is relatively high, it is crucial to invest in suitable health insurance for cardiac care.

Importance of Health Insurance for Heart Patients:

These costs can be easily covered by protecting yourself financially through medical insurance for heart conditions. Health insurance for heart patients easily covers all the pre-hospitalization and post-hospitalization expenses. Several policies cater specifically to heart-related disease.

Medical insurance for heart conditions protects you financially if you are diagnosed with a cardiac problem. On diagnosis of cardiac disease, the insured is paid the entire sum assured. This payment can be used for treating the illness. This will compensate for the loss of income during the recovery period.

Coverage Offered by Health Insurance for Cardiac Care

Some important coverage under health insurance for cardiac care includes.

  • In Hospitalization Expenses: It covers all the expenses during the hospitalization treatment for 24 hours
  •  Pre-hospitalization and Post-hospitalization expenses: It covers pre hospitalization expense for 30 days and post-hospitalization expense for 60 days
  • Annual health check-ups: Some insurance policies provide annual health check-ups
  • Domiciliary Hospitalization: If an insured person is not able to get treatment in the hospital due to lack of bed or other reasons then the treatment is performed as an outpatient. In this case, domiciliary hospitalization is used. 
  • Ambulance expenses: This expense includes transporting the insured from the place of residence to the hospital through an ambulance.
  • Tax deduction: Under section 80 D of the Income Tax Act the premium paid for the health insurance plans for self, spouse, children, and parents are exempt from tax.

Top 7 Health Insurance Companies That Cover Heart Disease

Let us look at the top 7 companies that offer the best Medical Insurance for Heart Conditions.

1.   Care Health Insurance – Care Heart Plan:

Care heart plan is a significant option for senior citizens who have pre-existing heart illness. There is no maximum age limit which makes it the best option for all.

Medical Conditions Covered:

  • Pre-existing heart illness is covered in this policy.
  • Treatment for total knee replacement is inclusive.
  • Covid 19 is covered.

Eligibility:

  • Adults 18 years and individuals less than 18 years are not eligible.
  • There is no maximum limit for age to get this plan. 

 Key Features & Benefits of Care Heart Plan:

  • Lifelong renewability.
  • Comprehensive hospitalization coverage with deductible option.
  • Automatic recharge.
  • In house claim settlement.
  • More than 8250 networks of hospitals.
  • The plan has multiple sums insured options.
  • It is the best Health Insurance for cardiac patients who have undergone cardiac procedures in the past.
  • 95.2% insurance claim settlement ratio.

Coverage Offered in Care Heart Plan:

  • Inpatient care expenses are covered if hospitalized for 24 hours.
  • Day-care treatment is covered if hospitalized for less than 24 hours.
  • Pre and post hospitalization expenses.
  • Alternative treatment such as Ayurveda, Siddha, Unani, and homeopathy is included.
  • Ambulance expense is reimbursed in case of emergency transport to the hospital.
  • Domiciliary hospitalization is included.
  • No claim bonus
  • Active cardiac health check-up thrice a year is covered.
  • Room rent expense is reimbursed during the hospital stay.
  • ICU charges are incurred.

2.   Bajaj Allianz – Critical Illness Insurance Plan

Bajaj Allianz Critical Illness Insurance Plan is the best health insurance for heart patients in India. It gives protection to major life-threatening conditions such as heart attack, cancer, organ transplant and more.

Medical Conditions Covered

  • Coronary artery bypass surgery
  • Aorta graft surgery
  • First heart attack (myocardial infarction)
  • Stroke
  • Cancer
  • Kidney failure
  • Organ transplant
  • Permanent paralysis of limbs
  • Pulmonary arterial hypertension
  • Multiple sclerosis

Key Features & Benefits

  • It provides comprehensive coverage for 10 critical illness
  • You receive a 100% claim amount if you are diagnosed with a critical illness.
  • You have multiple sums insured options.
  • You can increase the sum insured at the time of renewal and avail competitive premium rates.
  • This policy covers your entire family including children above 6 years.
  • Avail income tax benefit under section 80D.
  • The claim settlement team provides you with a hassle-free claim settlement.
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Prateek Mahesh

Prateek has 17+ years of experience writing in Investment Strategy and Sales for Life Insurance. He has done MBA in Insurance and Investment.

Their aim is to educate people on various insurance topics so that they can make wise decisions.

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