What is Health Insurance for Heart Patients?

Cardiovascular diseases are conditions that affect the heart. A health insurance plan for heart patients covers expenses in connection with the treatment of such cardiovascular diseases.  This kind of insurance plan covers the cost of medical tests, OPD consultations, daycare treatments, surgeries and pre and post-hospitalisation expenses incurred in connection with cardiovascular treatment. It also provides coverage for treating myocardial infarction and heart failure, as well as the cost of annual heart health checkups.  

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Top Health Insurance Plans for Heart Patients on Bajaj Markets in 2023 

There’s no dearth of health insurance for cardiac patients in India. Here’s a list of some of the top plans that you can opt for right now. 

Health Insurance Plan 

Features

Check Plans

 

Aditya Birla Activ Secure Critical Illness

  • Sum insured - ₹1 lakh to ₹1 crore

  • Waiting period - 90 days

  • Age - 5 years to 65 years 

  • Tenure - 1 year to 3 years

 

 

 

Bajaj Allianz Critical Illness Insurance 

  • Sum insured - ₹1 lakh to ₹50 lakhs

  • Waiting period - 90 days

  • Age - 6 years to 65 years 

  • Tenure - 1 year to 3 years

 

 

Care Heart Insurance Plan

  • Sum insured - ₹3 lakhs to ₹10 lakhs

  • Waiting period - 30 days

  • Age - 18 years to lifetime

  • Tenure - 1 year to 3 years

 

How to Buy Cardiac Health Insurance Plans Online

Since most insurance companies have insurance plans available online, you can buy heart health insurance while sitting in the comfort of your home by following these steps:

 

  • Step 1: Visit the website of Bajaj Markets and enter your information.

  • Step 2: Select the heart health insurance option that suits your requirements and budget.

  • Step 3: Read all policy documents and verify the premium rates.

  • Step 4: Upload the necessary documents required for purchasing the policy.

  • Step 5: Make the online premium payment using available payment modes.

  • Step 6: Your heart health insurance plan will be activated and the policy sent via email

Importance of Cardiac Health Insurance for Heart Patients

Of late, India has been witnessing a huge spike in the number of individuals afflicted with heart associated ailments. This rise in the number of cases combined with the ever-increasing cost of medical treatment and intervention has made cardiac health insurance for heart patients and healthy individuals a major necessity.  

 

Since cardiac health insurance is designed especially to reduce the financial impact that surgical and non-surgical cardiac procedures can have on individuals, it is highly beneficial for those who have pre-existing heart related conditions. 

Key Features of Health Insurance for Heart Patients

If you buy a health insurance plan specifically targeted at providing coverage for heart disease, these are the main features you can benefit from:

 

  • The heart health insurance plan will cover hospitalisation expenses for the treatment of cardiac-related medical conditions.

  • The health insurance for heart patients will offer financial coverage for medical treatment and surgeries related to cardiac medical conditions.

  • If the policyholder is diagnosed with a critical cardiac illness, they may get a lump-sum amount from the insurer for the treatment expenses if the policy has a provision for the same.

  • The health insurance for heart patients will also provide ‘loss of income’ coverage to compensate for lost income due to the insured’s heart conditions.

  • As with other types of health insurance, there’s also a tax benefit on the premiums paid for health insurance for cardiac patients under Section 80D of the Income Tax Act, 1961.

What is Covered Under Health Insurance for Heart Patients

Most health insurance plans aimed at heart patients include coverage for the following:

 

  • Coverage for in-hospital costs like ICU expenses, medical tests, etc.

  • Most of these plans also cover pre and post hospitalisation expenses related to cardiac treatments.

  • Some medical insurance for heart patients also cover the cost of OPD consultation or short term hospitalisations (less than a day).

  • Most heart insurance plans also provide coverage for the treatment of myocardial infarction, which is a treatment for the first or initial heart attack that a patient experiences.

  • Most of these insurance plans offer coverage for the treatment of heart failure.

  • Some of these plans may also offer coverage for yearly check-ups for heart health.

Treatments or Medical Procedures Covered

Health insurance plans for heart patients often provide coverage for heart-related treatment and surgeries like:

 

  • Coronary artery bypass graft

  • Valvuloplasty

  • Cardiac Arrhythmia surgery

  • Open heart surgery

  • Angioplasty

  • Heart transplant

  • Surgery for planting pacemaker

These are just some of the treatments covered by health insurance for heart patients. Make sure you read the policy document before settling on which policy to buy.

What is Not Covered Under Health Insurance for Heart Patients?

Some of the exclusions under this type of health insurance are:

 

  • Any heart problems caused due to self-inflicted injuries or self-harm.

  • Heart complications arising out of childbirth, abortion, or miscarriage.

  • Internal congenital disease from birth might not get covered.

  • Heart conditions caused due to consumption of alcohol or drugs are not covered

Note: There may also be other exclusions that are applicable on different heart insurance plans offered by different insurers.

Who Should Buy Cardiac Health Insurance Plans?

Although cardiac conditions among the youth and middle-aged were rare a few decades ago, the cases of heart disease among youngsters are on the rise due to stressful lifestyles and poor dietary choices. On the other hand, the elderly are always susceptible to heart conditions due to age. Moreover, people who have pre-existing conditions like diabetes, blood pressure, and respiratory diseases are also at a higher risk of suffering from heart disease. People who have a family history of heart disease may also be susceptible to heart disease. If you fall under any of the above categories, you should preemptively buy health insurance for heart patients.

Best Health Insurance Plans Available at Bajaj Markets

FAQs on Health Insurance for Heart Patients

  • ✔️Can I get a mediclaim policy for heart patients?

    Yes, many insurance companies offer specialised mediclaim policies for heart patients that you can buy online.

  • ✔️Which is the best health insurance for heart patients?

    There isn’t any single plan that can fit everyone’s needs. You need to visit different insurers online and check out the heart insurance plans offered by them, then compare them to decide which is the best.

  • ✔️What are the most common heart diseases?

    Here is a list of common heart diseases: Coronary Artery Disease, Heart Arrhythmia, Heart Failure, Cardiomyopathy, Pericardial disease. 

     

  • ✔️What should I do to protect myself against heart disease?

    These are the vital steps you should follow to maintain great heart health: Do cardio exercises regularly, Eat a healthy diet composed of fresh foods, Get regular check-ups to keep track of your heart health.

     

  • ✔️What are the best foods for heart health?

    Some of the best foods for improving your heart health are: Green leafy vegetables, Fish, Whole grains, Walnuts, Dark chocolate (in moderation), Berries. 

     

  • ✔️Why should you purchase a Heart health insurance plan?

    Medical insurance for heart patients and healthy individuals is designed to reduce the financial impact of expensive treatments and surgical procedures in connection with treating a heart disease. This is the primary reason why one should purchase a heart health insurance plan. 

     

  • ✔️Is angioplasty covered in health insurance policy?

    Yes. All health insurance policies cover the expenses for angioplasty procedures. 

     

  • ✔️Is heart attack coveredYes. Health insurance for heart patients covers myocardial infarctions, which are also colloquially known as heart attacks. in cardiac health insurance?

    Yes. Health insurance for heart patients covers myocardial infarctions, which are also colloquially known as heart attacks. 

     

  • ✔️Does critical illness cover heart disease?

    Yes. All critical illness insurance plans cover heart diseases. 

     

  • ✔️Do cardiac health insurance plans cover heart failure expenses?

    Only a few specific health insurance plans for cardiac patients cover heart failures. Therefore, if you wish to obtain coverage for heart failures, it is advisable to first check the terms and conditions of the plan before purchasing it.