Health Insurance for Heart
& Cardiac Patients
  • Checklist of Buying Health Insurance for Heart & Cardiac Patients
  • Explore the Inclusions & Exclusions
  • Checkout the Cardiac Health Insurance Plans
health insurance for heart and cardiac patients
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Health Insurance for Heart & Cardiac Patients

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. There are multiple features and benefits under heart insurance plans that allow insurance holders to take better care of their heart health. Regular heart check-ups, treatments, surgery cover, and hospitalization cover for heart patients reduce a lot of financial stress from the individual recovering or getting treated for any heart ailment.

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 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.

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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:

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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.

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

Activ Secure Critical Illness Plan (Pros)

  • Cover up to 64 CI
  • 3 Plan Variants
  • High SI
  • Short Survival Period
  • Active Health App

Activ Secure Critical Illness Plan (Cons)

  • Illness due to intoxicants
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Activ Secure Critical Illness Plan (Other Benefits)

  • Wellness Coach
  • Second Medical Opinion
  • Cancer Cover
  • Kidney Failure Cover
  • Brain Tumor Cover

Activ Secure Critical Illness Plan (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 1 Cr
  • Waiting Period - 30 Days

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

Bajaj Allianz Critical Illness (Pros)

  • Joint Replacement
  • Major Organ Transplantation
  • Surgery of Aorta
  • Limbs Permanent Paralysis
  • Dialysis Care

Bajaj Allianz Critical Illness (Cons)

  • No C- Section Coverage
  • No Weight Surgery Cover
  • No War Injury Cover
  • HIV/AIDS not covered
  • No Natural Peril Cover

Bajaj Allianz Critical Illness (Other Benefits)

  • First Heart Attack
  • Open Chest CABG
  • Regular Dialysis
  • Neuro Care
  • Multiple Sclerosis

Bajaj Allianz Critical Illness (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 50 L
  • Waiting Period - 90 Days

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

Care Heart (Pros)

  • Lifelong Cover
  • Domiciliary Hospitalization
  • Cardiac Check-up
  • Ambulance Expenses
  • No claim bonus

Care Heart (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Heart (Other Benefits)

  • OPD Care
  • Home Care
  • International 2nd Opinion
  • Automatic Recharge
  • High SI

Care Heart (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age limit
  • SI - 3 to 10 L
  • Waiting Period - 30 Days

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

Critical Illness (Pros)

  • Kidney Failure Cover
  • Liver Failure Cover
  • First Heart Attack Cover
  • Total Blindness Cover
  • Spouse Cover

Critical Illness (Cons)

  • No Birth Control Cover
  • No Hormone Replacement Cover
  • No War Injury
  • No Gender Change Cover
  • Cosmetic Surgery unavailable

Critical Illness (Other Benefits)

  • Family Floater Discount
  • Coma Cover
  • Open Chest Cover
  • Cancer Cover
  • Ambulance Cover

Critical Illness (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 50 L
  • Waiting Period - 30 Days

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

NivaBupa CritiCare (Pros)

  • 20 critical illnesses Covered
  • Long-term tenure savings
  • Different pay-out options
  • Tax benefits
  • Direct claim settlement

NivaBupa CritiCare (Cons)

  • Accident Death
  • No Total Disability Cover
  • AIDS Not Covered
  • Child Education Benefit
  • Funeral Expenses

NivaBupa CritiCare (Other Benefits)

  • Flexibility Plan Options
  • Surgeon's Fee Covered
  • Renewal for life
  • Diagnostic Procedures/Therapies
  • Prosthetic Implants Covered

NivaBupa CritiCare (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 3 Cr
  • Waiting Period - 30 Days

ManipalCigna Lifestyle Protection Group Policy

An all-in-one plan offering sum insured up to 50 Crores and umbrella cover of Group-Personal accident and/or critical illness.

Unique Features

  • Flexible Base and Optional Covers
  • 36 CI Covered
  • Cancer-only coverage available

Lifestyle Protection Group Policy (Pros)

  • Accidental Death Benefit
  • Permanent Total Disability Benefit
  • Multiple Optional Benefits
  • Partial Disability Benefit
  • Temporary Total Disability Benefit

Lifestyle Protection Group Policy (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Illness due to radiation exposure

Lifestyle Protection Group Policy (Other Benefits)

  • Survival Period Waiver
  • Emergency Road Ambulance
  • Hospital Cash Benefit
  • Family Counselling
  • Medical Second Opinion

(Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 75 Years
  • SI - Up to 50 Crores
  • Waiting Period - 30 Days

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

Critical Illness Policy (Pros)

  • High SI
  • Cancer Cover
  • Lump Sum Benefit
  • Short Survival Period
  • Sum Insured Enhancement

Critical Illness Policy (Cons)

  • Treatment outside India
  • PED
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Critical Illness Policy (Other Benefits)

  • Affordable Premiums
  • Tax Benefit
  • Brain Surgery Cover
  • Alzheimer's Disease
  • Aorta Graft Surgery Cover

Critical Illness Policy (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 75 L
  • Waiting Period - 30 Days

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

Critical Illness Policy (Pros)

  • Open Heart Replacement
  • 10 Critical Illnesses Covered
  • Tax Benefit
  • Permanent paralysis Covered
  • Kidney failure Covered

Critical Illness Policy (Cons)

  • No PED Cover
  • No Alcoholism Cover
  • No Gender Change Treatment
  • HIV/AIDS not covered
  • No Suicidal Cover

Critical Illness Policy (Other Benefits)

  • Flexible Policy Period
  • Organ Transplant Cover
  • Total Blindness Covered
  • Third Degree Burns Cover
  • Cancer Cover

Critical Illness Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 10 L
  • Waiting Period - 3 Months

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

Star Cardiac Care Policy (Pros)

  • Flexible Product
  • Personal Accident Cover
  • 2 Plan Variants
  • Road Ambulance
  • Day Care Procedures

Star Cardiac Care Policy (Cons)

  • 10% Co-Payment
  • PED
  • Cosmetic Surgery
  • Obesity Treatment
  • Change of Gender Treatments

Star Cardiac Care Policy (Other Benefits)

  • Personal Accident Cover
  • Heart Transplantation
  • OPD expenses Cover
  • Modern Treatment Cover
  • COVID-19 Cover
  • Cataract Cover

Star Cardiac Care Policy (Eligibility Criteria)

  • Entry Age - 10 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 4 L
  • Waiting Period - 30 Days

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

Critical Illness Plan (Pros)

  • Covers 13 CI
  • Cancer Care
  • Kidney Failure
  • Organ Transplant
  • Stroke

Critical Illness Plan (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Critical Illness Plan (Other Benefits)

  • High SI
  • Paralysis
  • Coma
  • 2 Plan variants
  • Blindness Cover

Critical Illness Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 10 L
  • Waiting Period - 30 Days

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

UNI Criticare Health Policy(Pros)

  • First Heart Attack Cover
  • Cancer Covered
  • Heart Valve Replacement
  • Coma Treatment Covered
  • Kidney Failure Covered

UNI Criticare Health Policy(Cons)

  • No HIV Treatment Cover
  • No Global Coverage
  • Diseases Caused By Smoking
  • No War Injury Cover
  • No Suicide Cover

UNI Criticare Health Policy(Other Benefits)

  • Multiple Sclerosis Cover
  • Permanent Paralysis Cover
  • Motor Neuron Treatment Cover
  • Bone Marrow Treatment Cover
  • Spouse Cover

UNI Criticare Health Policy(Eligibility Criteria)

  • Entry Age - 21 Years
  • Max Entry Age -65 Years
  • SI -1 L to 10 L
  • Waiting Period - 90 Days

Importance of Health Insurance for cardiac Patients in India

Heart ailments are expensive to treat and will drain out your hard-earned savings in case you do not have comprehensive heart insurance. Hence, health Insurance for heart patients is necessary as they prevent hefty medical bills as well as provide the peace of mind to the insured individual to focus on their recovery. Health insurance for cardiac patients is a boon as it covers major hospitalization expenses, day care procedures, ambulance cover, cashless hospitalization, annual cardiac check-up, 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.

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 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 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.

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

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

5. Can Health Insurance for Cardiac patients be renewed?

Yes, it comes with the option of Lifelong Renewability.

6. 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.

7. 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.

8. 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.

9. 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.

10. 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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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.