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
|
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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:
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:
What is Covered Under Health Insurance for Heart Patients
Most health insurance plans aimed at heart patients include coverage for the following:
Treatments or Medical Procedures Covered
Health insurance plans for heart patients often provide coverage for heart-related treatment and surgeries like:
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:
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.