Health Insurance 552 views June 19, 2021

Best Health Insurance Plans for Heart Patients in India

The treatment for heart patients involves not only the expensive medicines but also frequent visits and several procedures undertaken on them. To counter the cost of medical treatment arising from heart conditions, you need a health insurance plan that can give you all-around protection. A health insurance plan covers your medical expenses and protects you from any unfortunate financial burden that may arise due to your heart conditions. Read this page further and know about the best Health insurance plans for heart patients in India.

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List of Best Health Insurance Plans for Heart Patients

If you have a heart condition and you are looking for a health insurance plan that provides a wide range of sum insured options, coverage for several heart-related procedures and other treatment costs, check out the plans shown below.

Care Heart Insurance

Care Heart Insurance offers comprehensive hospitalization coverage with a deductible option. You can purchase this policy on an individual or family floater basis. Under this policy, the sum insured ranges from INR 2-10 Lakh. The insurer provides coverage against the following medical expenses under this policy:

  1. Annual Cardiac Health Check-Up including tests like Complete Blood with ESR, Urine RE, Blood Group, HbA1C, TMT, Lipid Profile, Kidney Function Test, Liver Function Test, TSH, HbsAg, Chest X-Ray, 2-D Echo, APTT, medical expansion report
  2. Room rent up to 1% of the sum insured per day
  3. ICU charges up to 2% of the sum insured per day
  4. Cataract treatment up to INR 20,000-30,000 per eye
  5. Day Care Treatment
  6. Pre & Post-hospitalization up to 30 days & 60 days, respectively
  7. Alternate Treatment up to 25% of the Sum Insured
  8. Ambulance Cover up to INR 2,000-3,000 based on the sum insured
  9. Domiciliary Hospitalization

Star Cardiac Care Insurance

If you have already undergone some heart procedures in the past seven years, you are eligible to purchase this health insurance. Under Star Cardiac Care Insurance, you can choose a sum insured option from INR 3-4 Lakh. Other than the coverage for cardiac ailments, this policy also covers personal accidents and non-cardiac ailments. The insurer will pay for the following expenses during the policy period.

  1. Room, Boarding and Nursing Expenses up to INR.5,000 per day
  2. Ambulance charges up to INR 750 per emergency hospitalization and INR 1,500 per policy year.
  3. Pre-hospitalization expenses up to 30 days
  4. Post-hospitalization expenses up to 60 days
  5. All Day Care Procedures
  6. Cataract treatment up to INR 20,000 per hospitalization and INR 30,000 for the entire policy period

Note: 10% of each accident and non-cardiac ailment claim is borne by the insured if his/her entry age is 61 years and above. If your age is less than 61 years, the co-payment conditions shall not apply to this policy.

ICICI Pru Heart/Cancer Protect Insurance

Under ICICI Pru Cancer and Heart Protect Insurance, the sum insured option ranges from INR 2-25 Lakh for heart cover. This policy is available to persons aged between 18-65 years and covers the following:

  1. Angioplasty
  2. Balloon Valvotomy or Valvuloplasty
  3. Carotid Artery Surgery
  4. Implantable Cardioverter Defibrillator
  5. Implantation of Pacemaker of Heart
  6. Infective Endocarditis
  7. Minimally Invasive Surgery of aorta
  8. Cardiomyopathy
  9. First Heart Attack of Specified Severity
  10. (Myocardial Infarction)
  11. Heart Transplant
  12. Major Surgery of the aorta
  13. Open Chest CABG
  14. Open Heart Replacement or Repair of Heart Valve
  15. Primary (Idiopathic) Pulmonary Hypertension
  16. Pericardiectomy
  17. Pulmonary Thromboembolism
  18. Surgery for Cardiac Arrhythmia
  19. Surgery to Place Ventricular Assist Devices
  20. Total Artificial Hearts

You can enhance your protection by adding any of the following additional benefits:

  1. Hospital Benefit: A daily hospital cash of INR 5,000 shall be payable if you get hospitalized for a continuous period of 24 hours due to any of the above-listed conditions. This benefit is payable up to 10 days per policy year and 30 days over the policy term.
  2. Increasing Cover Benefit: The sum assured will increase by 10% every claim-free year, subject to a maximum of 200% of the sum assured
  3. Income Benefit: 1% of the sum assured will be paid to you per month for 5 years on the diagnosis of any of the above-mentioned major conditions.

Future Generali Heart and Health Insurance

Future Generali Heart and Health Insurance plan provides comprehensive coverage against 59 critical illnesses and surgical procedures including Heart and Cancer-related ailments. This policy is available to persons aged between 18-65 years. Under this plan, you will get four flexible options to choose your cover:

  1. Heart Cover
  2. Critical Illness Cover
  3. Heart Cover with Return of Premium
  4. Critical Illness Cover with Return of Premium

Under this policy, you’ll get coverage against the following heart ailments/surgeries:

  1. Myocardial Infarction (First Heart Attack of specific severity)
  2. Open Chest CABG (including Keyhole CABG)
  3. Open Heart Replacement or Repair of Heart Valves
  4. Major Surgery to Aorta
  5. Heart Transplant
  6. Primary Pulmonary (Idiopathic) Hypertension
  7. Cardiomyopathy
  8. Pericardiectomy
  9. Surgery to Place Ventricular
  10. Assist Device or Total Artificial Hearts
  11. Minimally Invasive Surgery to Aorta
  12. Insertion of a Defibrillator/Pacemaker
  13. Cardiac Arrest
  14. Secondary Pulmonary Hypertension
  15. Percutaneous Heart Valve Surgery
  16. Angioplasty
  17. Surgery for Cardiac Arrhythmia
  18. Infective Endocarditis
  19. Carotid Artery Surgery

This policy comes with sum assured options of – INR 5 Lakh, INR 10 Lakh, INR 20 Lakh, INR 30 Lakh, INR 40 Lakh, INR 50 Lakh.

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