Check The Best Cardiac Health Insurance Plans in India And Coverages

Choosing the perfect cardiac health insurance plan can sometimes be a hassle. With so many good options available in the market, it always gets confusing to select the right one. If you are also considering cardiac health insurance and struggling to compare them, this blog is for you.

In this blog, we’ll be listing the 10 best cardiac health insurance plans in India and discuss all the key features these plans offer. 

So, without further ado, let’s get started —

Why is It Important to Get Cardiac Health Insurance?

Wondering whether it’s necessary to buy a cardiac health insurance plan? Read on to know why getting this plan is quite crucial:  

• Rising Prevalence of Heart Diseases: With the changing lifestyle and increasing environmental hazards, heart diseases have become quite common. Not to mention, the treatment can be expensive. 
• Unpredictable Nature of Heart Attacks: Heart attacks are one of the few ailments that can occur unexpectedly. Reports suggest that there is a 12.5% increase in heart attack cases in 2022 alone. And oftentimes, families are not ready for such unforeseen financial burdens.  
• Comprehensive Coverage: Health insurance for heart diseases generally provides comprehensive coverage. This includes various costs such as surgery, treatments, and medications. 
• Financial Security: Having cardiac health insurance provides a sense of financial security and peace of mind for facing unfortunate circumstances. 

Exclusions and Limitations Under Cardiac Health Insurance Plans In India

Without a doubt, cardiac health insurance is a crucial and valuable protection for hard times. However, there may be some associated exclusions and limitations that you must be aware of: 

• Pre-Existing Conditions: Certain policies have exclusions for pre-existing heart diseases. Thus, you may have to wait for a specific policy period (called waiting period) before you can avail of heart disease insurance coverage. 
• Certain Procedures or Treatments: Sometimes, experimental or investigational procedures are done on the patient to find the core of the disease. However, insurers may find it unnecessary and reject the claim. 
• Coverage Limits: In some policies, there may be certain limitations over coverage amounts for different procedures or treatments. If you have crossed this limit, your claim will be processed only for the value under consideration.
• Waiting Periods: There may be some waiting period that must be completed before certain health insurance benefits become effective. 
• Exclusions For Certain Causes: Often, heart diseases are caused by substance abuse or intentional self-harm, such as drinking or smoking. These situations are not covered by a cardiac health insurance plan.  

In order to make an informed decision, it is crucial you carefully read all the policy terms understanding all the exclusions and limitations. 

Best Cardiac Health Insurance Plans in India

Company Name	Plan Name
Care Health Insurance	Care Heart Plan
HDFC Life	HDFC Life Cardiac Care
Star Health Insurance	Cardiac Care Platinum Policy
TATA AIG	Cardiac Health Insurance Policy
Star Health Insurance	Star Cardiac Care Insurance Policy
ICICI Lombard Health Insurance	ICICI Pru Heart/Cancer Protect Insurance
Bajaj Allianz	Critical Illness Insurance
Future Generali India	Future Generali Heart and Health Insurance Plan
Niva Bupa Health Insurance	Niva Bupa CritiCare Plan
HDFC Ergo General Insurance	Optima Vital Health Insurance

Let’s have a detailed overview of the ten best cardiac health insurance plans in India —

1. Care Health Insurance: Care Heart Plan

If you have undergone heart surgery in the past seven years, you can get coverage of up to 10 lac with the Care Heart Plan by Care Health Insurance. This plan offers various benefits such as automatic restoration of the sum insured and cardiac health check-ups. 

Key Features:

• Lifelong Renewability: Policyholders can continue their policy coverage with lifelong renewability.  
• Cashless Cardiac Health Check-ups: Policyholders can get regular cardiac check-ups at Care Health’s network labs. 
• Pre/Post-Hospitalisation: Covers medical expenses before and after hospitalisation.
• Ambulance Cover: Provides coverage for ambulance services.

2. HDFC Life: HDFC Life Cardiac Care

Not only cardiac arrest, HDFC Life Cardiac Care policy provides coverage benefits for 18 heart ailments offering a fixed lump sum payout regardless of what the actual expense is. Moreover, this policy is popular for providing multiple claims for the same or different conditions. 

Key Features:

• Fixed Lump Sum Payout: As already mentioned, this policy offers a fixed payout irrespective of the actual cost of treatment. 
• Indexation Benefit: Helps to stay ahead of medical inflation.
• Tax Benefits: Offers tax benefits as per prevailing laws.

3. Star Health Insurance: Cardiac Care Platinum Policy

Cardiac Care Platinum Policy by Star Health Insurance is a great cardiac health insurance plan designed to provide heart disease coverage benefits. Anyone aged from 7 to 70 years who has been diagnosed with cardiac issues or has undergone cardiac surgical interventions can invest in this policy. 

Key Features:

• No Claim Bonus: Star Health Insurance offers a 10% bonus on the total assured sum for each claim-free year.
• Automatic Restoration of Sum Insured: Policyholders get their insured sum completely restored once during the policy term. 
• Wellness Rewards & Services: Star Health also offers wireless rewards if the policyholder is following healthy activities. These rewards can be used to get discounts on premiums. 
• Covers Non-Cardiac Ailments: Cardiac Care Platinum Policy also provides health coverage benefits for non-cardiac related hospitalisations.

4. TATA AIG: Cardiac Health Insurance Policy

TATA AIG’s Cardiac Health Insurance Policy is known for proficiently providing pre and post-hospitalisation expenses as well as other additional benefits upon disclosure at the time of application. 

Key Features:

• Annual Health Check-ups: With this plan, policyholders can get annual health check-ups done at TATA AIG’s network hospitals. 
• Domiciliary Hospitalisation: This plan also provided health coverage even in situations when the patient cannot be hospitalised. 
• In-hospitalisation Expenses: Covers expenses incurred during hospital stays.
• High Claim Settlement Ratio: TATA AIG has a 96.43% claim settlement ratio.

5. Star Health Insurance: Star Cardiac Care Insurance Policy

Star Cardiac Care Insurance Policy is a reliable cardiac health insurance plan that offers significant financial support to individuals who have undergone specific cardiac surgeries or interventions.

Key Features:

• Two Plan Options: Star Cardiac Care policy comes in two plans – Gold and Silver plans for different levels of coverage.
• Non-Cardiac Diseases Coverage: This plan also provides coverage for hospitalisation due to non-cardiac diseases.
• Out-patient Benefit: Offers benefits for outpatient treatments.
• Personal Accident Death Cover: Includes personal accident death coverage.
• Surgical/Interventional Management: The Gold Plan provides financial coverage for both medical and surgical management, however, Silver Plan covers only surgical management.

6. ICICI Lombard Health Insurance: ICICI Pru Heart/Cancer Protect Insurance

ICICI Lombard, without a doubt, is one of India’s leading health insurance providers. Their ICICI Pru Heart/Cancer Protect Insurance plan provides complete coverage for heart and cancer-related issues. This plan is known for facilitating policyholders with benefits such as daily hospital cash and an alternate income. 

Key Features:

• Daily Hospital Cash: ICICI Pru Heart provides ₹5,000 per day during the policyholder’s hospitalisation.
• Alternate Income: If the policyholder is unable to work after the diagnosis, this plan provides financial support with an alternate income. 
• Increasing Sum Assured: The sum assured increases by 10% per year at simple interest until the first claim.
• 30-day Return Policy: Policyholders can return the policy within 30 days if not satisfied and get a refund.

7. Bajaj Allianz: Critical Illness Insurance

Bajaj Allianz’s Critical Illness Insurance is a great plan if you seek comprehensive coverage including surgical and medical expenses, including room rent, ambulance charges, and more. The policy also includes benefits like tax exemptions and coverage for organ donor expenses.

Key Features:

• Daycare Procedures: This plan also provides coverage for short medical procedures that do not require overnight hospitalisation. 
• Cashless Treatment: Provides complete financial relief by directly settling the hospital bill with network hospitals. 
• Tax Saving Under Section 80D: Get tax benefits on health insurance premiums.
• Organ Donor Expenses: This plan also provides coverage for costs related to organ donation surgeries and associated medical expenses.

8. Future Generali India: Future Generali Heart and Health Insurance Plan

Future Generali Heart and Health Plan offers three plan variants: Vital, Superior, and Premiere. Future Generali India makes its place on this list due to its wide network of hospitals for cashless treatment and impressive claim settlement ratio.

Key Features:

• In-House Cashless Claim Settlement: Future Generali India’s in-house processing team ensures a smooth claim process. 
• Cashless Treatment: A wide range of 5,100 network hospitals allows cashless treatment. 
• High Claim Settlement Ratio: Future Generali India has an impressive 82.96% claim settlement ratio.

9. Niva Bupa Health Insurance: Niva Bupa CritiCare Plan

Niva Bupa CritiCare Plan is designed for those who have critical illness and seek customisable coverage plans with a high sum insured limit. This plan includes all general benefits such as child care payout and hospitalisation charges. 

Key Features:

• Customisable Coverage: Niva Bupa CritiCare Plan provides coverage up to ₹2 crore, allowing flexibility to suit individual needs.
• Child Care Benefits: Provides payouts to support child care during critical illness treatment.

10. HDFC Ergo General Insurance: Optima Vital Health Insurance

HDFC Ergo’s Optima Virta Health Insurance plan isn’t just a great financial aid against cardiac diseases but it also covers 36 other critical illnesses. Moreover, the name HDFC itself backing up the policy ensures trust in the policy.  

Key Features:

• Comprehensive Critical Care: Covers 37 critical illnesses for broad protection.
• No Cover Ceasing Age: Coverage continues without any age-related restrictions.
• Lifelong Renewal: Policyholders can renew their policy and continue having coverage benefits as long as they want. 

Conclusion

And with that, we end our exploration of the best cardiac health insurance plans in India. Needless to say, all these policies offer the best features and beneficial coverages. However, selecting the best one still entirely depends on your personal needs and preferences. 

We recommend consulting a professional insurance provider at +91-7551196989 

to understand things in depth.

Frequently Asked Questions

Ques 1. How much daily hospital cash does the ICICI Pru Heart/Cancer Protect Insurance policy provide?

Ans. ICICI Pru Heart provides ₹5,000 per day during the period for which the policyholder is hospitalised.

Ques 2. I drink a lot, can I get cardiac health insurance? 

Ans. Yes. People with drinking or smoking habits can also buy cardiac health insurance. However, there may be some exclusions in the policy due to intentional unhealthy habits. 

Ques 3. What is the major difference between Star Cardiac Care Insurance Policy Gold and Silver plans?

Ans. Gold Plan provides financial coverage for both medical and surgical management, however, Silver Plan covers only surgical management.

Ques 4. What is the 30-day return option by ICICI Lombard Health Insurance? 

Ans. The 30-day return option allows ICICI Lombard policyholders to return the policy within 30 days if not satisfied and get a refund.