Health Insurance for Heart & Cardiac Patients – Know in Detail


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Health Insurance for Heart & Cardiac Patients

Over the years, people have become really careful about their health. This is one of the reasons why so many of us have also started paying attention to health insurance policies. And, if you have especially a history of cardiac issues in your family, buying a cardiac health insurance policy is highly suggested.

How getting cardiac care insurance is helpful?

Many people these days are found to be vulnerable to several types of heart-related issues. A sedentary lifestyle, bad eating habits, and genetics are some of the main contributors to this. However, something that is even more bothersome is the rising healthcare cost, especially if it is for a heart-related problem. The healthcare costs can actually make a hole in the pockets of a middle-class man. This is why health insurance for heart patients is so important. When you have a health insurance plan that provides coverage for heart-related ailments, you can rest assured of getting the right treatment. And if you choose a network hospital for your medical treatment, you may even avail of the cashless treatment.

6 Top Mediclaim Policies for Heart Patients in India

Mentioned herein below are some of the most sought-after health insurance policies for cardiac patients.

1. Care Heart Insurance

This is one of the best health insurance for cardiac patients. To buy this, health insurance policy, there is no such maximum entry age. The deductible depends on the variant of the plan. The features of this plan are mentioned herein below:

  • A comprehensive hospitalization coverage that comes with a deductible option
  • Coverage is provided on an individual as well as floater basis
  • It can be automatically recharged.

This is a great health insurance plan, especially for people who have already undergone a cardiac procedure. Know More: Care Health Insurance Company Limited

Claim issue: Are heart attacks, strokes, and cancer covered in Health Insurance policy?

2. ICICI Pru Heart/Cancer Protect Insurance

This policy provides coverage for the heart as well as a cancer treatment. With the help of this plan, the policyholders can avail of a waiver of premium for even minor heart and/or cancer conditions. The key features of this plan include:

  • A separate sum assured for cancer and heart care
  • Optional income benefit cover of 15 of sum assured
  • Optional hospitalization cash benefit of INR  5000/day.

Know More: ICICI Lombard Health Insurance

3. Future Generali Heart and Health Insurance

If you are looking for insurance for heart patients, then this is the one it should be. The plan comes with an in-built death benefit and there is no waiting period. An interesting feature of the insurance plan is doubling up as life insurance. The features of the plan are mentioned herein below.

  • It comes with multiple claim benefit
  • It offers an optional return of premium
  • It offers 5 years of premium waiver after diagnosis of defined minor as well as moderate conditions
  • It also offers an optional maturity benefit.

Know More: Future Generali Health Insurance

4. Star Cardiac Care Insurance

This plan is apt for people who already have experienced heart procedures in the last 7 years. The plan provides care for non-cardiac ailments also and other personal accidents. The features include:

  • There is no medical screening needed
  • The plan comes with lifelong renewability
  • It is available in two options Gold and Silver
  • On non-cardiac ailments and accidents, if patients are more than 61 years old, a 10% deductible is offered.

Know More: Star Health Insurance

5. IFFCO Tokio Critical Illness Benefit Plan

This is a one-of-a-kind policy that is known for its lifelong renewal option. The maximum allowance offered by the policy per day is INR 1000. It is enough for a family as it provides coverage for all the family members. The maximum sum insured is INR 1 Crore and it can be bought by anyone who is under 50 years of age. The policy buyers do not need to undergo any medical tests.

  • The plan provides coverage for Organ transplant surgeries
  • It provides coverage for 25 critical illnesses as well as surgeries and even includes cardiac arrest
  • It provides coverage for open-heart surgery and even surgery on Aorta and CABG.

Know More: IFFCO Tokio Health Insurance

6. New India Floater Mediclaim

The proposer of the family can be anyone who falls in the age group between 18 and 65 years. Children whose age is between 3 months and 25 years are covered under the plan; however, they must be dependent on the proposer.

  • It provides coverage for critical illnesses that include cardiac arrest
  • It covers at least two people and a maximum of six people
  • A newborn to a mother, who was being under a cover for 2 consistent years, will be covered. There is no need of paying an additional premium for a disease or injury till the policy expires.
  • Room rent and nursing costs are covered up to 1% of the insured sum each day and ICU expenses for up to 2% of the sum insured are covered.

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These are some of medical insurance for heart patients that you can take a look at. However, you can find information about the other health insurance policies for heart patients online. You can choose one depending upon your heart ailment or condition.

FAQs: Health Insurance for Heart & Cardiac Patients

Can heart patients get health insurance?

Specialized health insurance policies are available from health insurance companies. Additionally, health insurers offer health insurance plans for people with heart conditions that cover conditions related to the heart, such as acute heart diseases.

Can I get medical insurance after heart attack?

Yes. After a heart attack, you can purchase Care Heart Health Insurance. For a complete understanding of inclusions and exclusions, please carefully read the policy's terms and conditions.

Can you get life insurance if you have a heart condition?

Yes, a lot of people who have heart problems can buy life insurance. Your diagnosis and treatments, family medical history, and current health are just a few of the variables that will affect your rates and policy options. People are more likely to be approved for life insurance if they don't have any associated risk factors, like smoking.

Can I get health insurance after angioplasty?

Also, you can apply for health insurance after angioplasty, i.e., after the process of restoring the blood flow through the artery. This should be diagnosed by a cardiologist, and the optimal therapy must have been initiated for at least 6 months.

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May 24, 2022
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PayBima Team
PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.

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