Health Insurance for Heart & Cardiac
  • Checklist of Buying Health Insurance for Heart & Cardiac Patients
  • Explore the Inclusions & Exclusions
  • Checkout the Cardiac Health Insurance Plans
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Health Insurance for Heart & 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, which makes 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.*

*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.*

*Indian Heart Association

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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.

In order 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 up with the exorbitant heart treatment cost, General Insurers in India has 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.

Insurance Companies that offer Cardiac Health Insurance

Take a look at the below table mentioning some of the Health Insurance companies that cover the expenses incurred due to cardiac ailments.

Aditya Birla Activ Secure Critical Illness Plan

The plan is designed to provide financial protection against critical illnesses, & offers compensation against the loss of income arising out of critical illnesses.

Unique Benefits

  • Lump Sum payout on detection
  • 150% sum assured
  • Short survival period

Bajaj Allianz Critical Illness

A plan which covers you against major life-threatening diseases such as cancer, major organ transplant, heart attack, and more. The plan covers 10 critical diseases.

Unique Features

  • Avail discounts on policy terms
  • 50 Lakh SI
  • Flexible premium payment

Individuals with pre-existing cardiac diseases can get coverage against medical treatments by paying 20-30% of co-payment for every claim.

Unique Benefits

  • Cardiac Health Checkup
  • Second medical Opinion
  • Automatic SI Restoration

Cholamandalam Critical Healthline Plan

Chola MS Critical Healthline insurance covers all individuals who have been insured under the policy and are diagnosed as critically ill within the policy tenure.

Unique Benefits

  • Offers 2 variants
  • Protection against Cancer
  • Covers major organ transplant

Future Generali Critical Illness

A specialized cover designed to offer protection against 12 listed critical illnesses such as cancer, kidney failure, severe heart attack, total blindness and many more.

Unique Features

  • Lump sum payout on diagnosis
  • Floater Benefit available
  • Coverage up to 50L

Iffco Tokio Critical Illness Insurance Policy

Critical Illness Policy assists the policyholder by offering financial support to cope with the expenses that occurred during the treatment of the 25 listed critical illnesses.

Unique Features

  • No medical tests required
  • Lifelong renewal available
  • Wide coverage of up to INR 1 Crore

Kotak Secure Shield

A critical illness insurance plan that covers the expenses incurred in treating critical illnesses by paying a one-time lump sum insured to the beneficiary.

Unique Features

  • Child education benefit
  • Personal accident benefit
  • Loss of job benefit

Buy a cover of up to 2 crores to secure you and your loved ones against 20 major critical illnesses with the Niva Bupa CritiCare plan.

Unique Features

  • Daily hospital cash
  • Accident care available
  • Lifelong renewability

ManipalCigna Lifestyle Protection Group Policy

An all-in-one plan offering sum assured up to 50Cr and Umbrella cover of Group - Personal Accident and/or Critical Illness.

Unique Features

  • Flexible base and optional cover
  • Upto 36 critical illnesses covered
  • Cancer-only coverage available

National Critical Illness Policy

A unique benefit policy that covers expenses in the event of the insured person being affected with any of the listed critical illnesses.

Unique Features

  • Cover up to 75 Lakhs
  • Covers pre-existing conditions
  • 37 critical illnesses covered

Reliance Critical Illness Insurance Policy

Reliance critical illness health insurance is specifically designed to provide protection to an individual against 10 life-threatening diseases.

Unique Features

  • No pre-medical required
  • Lump-sum Payment
  • Coverage up to 10 Lakhs

Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.

Unique Features

  • Accidents and non-cardiac ailments
  • Day care procedure
  • No pre-acceptance Medical test

The plan offers coverage against 13 critical illnesses & financial support irrespective of the actual medical expenses, & comes with two policy tenures enabling customization.

Unique Features

  • Entry Age upto 65 years
  • Free-look period of 15 days
  • Coverage of up to 10 Lakh

TATA AIG Critical Illness Policy is designed to offer coverage against a wide gamut of illnesses and medical emergencies.

Unique Benefits

  • Second opinion Benefit
  • Tax benefits
  • Option to add beneficiaries

UNI Criticare Health Policy

A plan that is exclusively designed for 11 listed critical illnesses and pays out a lump sum amount on diagnosis of these listed critical illnesses.

Unique Features

  • 90 Days waiting period
  • No exit age for continuous renewal
  • Tax benefits

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.

What is Covered under Cardiac Health Insurance?

  • In-Hospitalisation ExpensesHaving specific Cardiac Health Insurance will cover all the expenses that will arise due to hospitalisation treatment for more than 24 hours.
  • Pre & Post Hospitalisation ExpensesVarying from policy to policy, such plans also cover Pre-Hospitalisation (expenses incurred prior to admission) and Post-Hospitalisation (expenses incurred after admission) expenditure up to a specific time frame.
  • Domiciliary HospitalisationIn case the patient is not in a state to move to the hospital for treatment or in situations when there is no vacant bed/ medical amenities in the healthcare centres or hospital, then he/she can opt for Domiciliary Hospitalisation.
  • Ambulance ExpensesExpenses 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 TreatmentsAlternative medical treatments such as Ayush treatment, homoeopathy, Unani, Siddha, and Ayurveda treatment are also covered.
  • Daycare TreatmentsTreatments that do not require 24 hours of hospitalisation are also covered under Cardiac Health Insurance.
  • Myocardial Infarction (First Heart Attack) & Refractory Heart FailureSuch treatments are covered as per the diagnosis of the respective 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?

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
  • 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 Insuranceis 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 planthat only caters to conditions related to the heart.

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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

  • 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.

Health Insurance Articles

Health Insurance for Heart & Cardiac Patients:FAQs

1. Is Angioplasty covered under the plan?

Yes, Angioplasty is covered under the plan.

2. 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.

3. Is heart failure expenses covered under the policy?

This completely depends upon the Insurer & the plan you choose. Therefore, you must read the policy brochure for clarity.

4. What are the Sub- Limits under Cardiac Health Insurance?

Depending upon your Insurer & the Insurance plan, there can be Sub Limits.

5. Are Heart Mediclaim policies available under the 'Floater' option?

No, a Heart Mediclaim policy cannot be availed as a 'Floater' Plan.

6. Can Health Insurance for Cardiac patients be renewed?

Yes, it comes with the option of Lifelong Renewability.

7. 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.

8. Do I need Health Insurance for Heart patients if I don't have any family history of Cardiovascular Ailments?

Our sedentary lifestyle nowadays plays a major role in deteriorating our health. Thus, if you have such an unhealthy lifestyle or suffer from high Blood Pressure or high cholesterol, it is recommended to opt for Cardiac Health Insurance regardless of your family history.

9. Which is the Best Health Insurance for Heart Patients in India?

With the availability of several mediclaim policies for heart patients, choosing the best one is quite a difficult task. Therefore, before choosing your ideal plan, do thorough research on your requirements, compare the coverage provided by all the plans, get a premium estimate, and then choose your best Health Insurance for Heart patients.

10. 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.

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January 12, 2023

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Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of Insurance Web Aggregator.