Health Insurance for Heart Patients and Cardiac Surgery

If you are at risk for or have a family history of cardiac ailments, get health insurance for heart patients to protect your health and finances. On Bajaj Markets, you can compare various policies and get one with premiums starting at ₹160 per month. 

 

With the right insurance plan, you can get coverage for all expenses related to heart conditions, making quality healthcare more accessible.

Important Update (Dated May 30, 2024) – Good news for Health Insurance policyholders! According to the Master Circular on Health Insurance Business 29052024 rolled out on May 29, 2024 by IRDAI, insurers are to decide on the request for cashless claims within 1 hour of receiving the request. Also, the final claim is to be granted within 3 hours after the policyholder’s discharge from the hospital. Insurers have been directed by IRDAI to establish necessary systems and procedures for this process by July 31, 2024.

 

The Master Circular on Health Insurance Business 29052024 circular is available here - https://irdai.gov.in/document-detail?documentId=4942918

A significant part of your savings can go towards getting treated for heart disease. With health insurance for heart patients, you can easily cover such costs without straining your finances.

 

These plans cover most expenses you incur in treating cardiovascular conditions. They include in-patient treatment, health tests, OPD treatment, and pre- and post-hospitalisation expenses.

There are several health insurance plans available for heart patients, each with different coverage. Here are some of the top medical insurance plans for heart patients available on Bajaj Markets:

Disclaimer: The above-mentioned details are indicative and subject to change as per the insurance provider’s latest updates.

Here are some of the notable characteristics of insurance for heart patients:

• Specific to Cardiac Disease 

These plans provide comprehensive coverage for all heart-related conditions, ensuring access to specialised treatments

• Cashless Treatment 

These policies allow you to access medical care hassle-free at network and non-network hospitals

• Pre- and Post-Hospitalisation Expenses 

With insurers covering the expenses for diagnosis and recovery, you can focus on treatment instead of your finances

• No Claim Bonus 

If you do not raise a claim, you can benefit from a cumulative bonus. It helps increase the sum insured without increasing the premium.

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

• In-hospital costs like ICU expenses, medical tests, and more

• Pre- and post-hospitalisation expenses related to cardiac treatments

• Cost of OPD consultation or short-term hospitalisations (less than a day)

• Treatment of myocardial infarction

• Treatment of heart failure

• Yearly check-ups for heart health

• Heart-related treatment and surgeries, such as 

1. Coronary artery bypass graft 

2. Valvuloplasty 

3. Cardiac arrhythmia surgery 

4. Open-heart surgery 

5. Angioplasty 

6. Transplant 

7. Surgery for planting pacemaker

 

Check a specific policy’s terms to know which of these are covered and then get the ideal 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

• Congenital disease from birth

• Heart conditions caused by consumption of alcohol or drugs

 

There may be other exclusions depending on the insurance plan and provider. Be sure to check them before you proceed. 

On Bajaj Markets, you can find insurance for heart attacks and other heart problems from top health insurance companies. Here are the steps to follow to get the policy online: 

1. Visit the ‘Health Insurance Premium Calculator’ page

2. Enter the required details like age, address, and mobile number

3. Click on ‘Get Quote’ and see the heart insurance plans available to you

4. Pick one that best suits your requirements and add the riders you want

5. Based on your choices, the premium amount you are liable to pay will be displayed

 

You can modify your choices to compare the premiums and select the most suitable plan.