By Okbima 28 May 2024

Best Health Insurance For Heart Patients And Cardiac Surgery 2024

In 2024, it is a must to have health insurance for heart patients that covers everything they might need for their heart health. With new medical treatments available, it's crucial to have insurance that will pay for check-ups, tests, medicine, surgeries & recovery. Let’s know the statistics of heart patients, the benefits of health insurance, what is covered & not covered, etc.


Statistics On Heart Patients In India

Below, we have mentioned the statistics on heart patients in India which you should be aware of before making an informed decision on health insurance.

  • Maximum cause of death: Cardiovascular diseases (CVDs) are the biggest disease in India & around 25-27% of all deaths in India are because of CVD.

  • Early age: In India, people are getting heart disease at a young age compared to Western countries. Many men have heart attacks before they reach 50, and some even before they turn 40.


Best Health Insurance Policy For Heart Patients In India 2024: Based On Sum Insured

Below, we have mentioned the best health insurance policy for heart patients in india for 2024 based on the sum insured & age criteria.


Health Insurance Company

Cardiac Health Insurance Plans

Sum Insured

Age Criteria 


Aditya Birla Health Insurance

Activ Secure Critical Illness Plan

Up to Rs. 1 crore

5 - 65 years

View Plan

Iffco Tokio Health Insurance

Critical Illness Insurance Plan

Up to Rs. 1 crore

Up to 60 years

View Plan

Reliance Health Insurance

Critical Illness Insurance Plan

Rs. 5 lakhs, Rs. 7 lakhs, Rs. 10 lakhs

18 - 65 years

View Plan

Future Generali Health Insurance

Future Generali Heart & Health Insurance

Rs. 5 lakhs - Rs. 50 lakhs

18 - 65 years

View Plan

Bharti AXA Health Insurance

Critical Illness Insurance Plan

Rs. 3 lakhs

3 months - 55 years

View Plan

Care Health Insurance

Care Heart Plan

Rs. 3 lakhs - Rs. 10 lakhs

18 years & above

View Plan

Chola MS Health Insurance

Critical Healthline Plan

Rs. 3 lakhs, Rs. 5 lakhs & Rs. 10 lakhs

18 - 65 years

View Plan

Manipal Cigna Health Insurance

Lifestyle Protection - Critical Care Health Plan

Rs. 1 lakhs - Rs. 25 crores

18 - 65 years

View Plan

Bajaj Allianz Health Insurance

Critical Illness Insurance

Rs. 1 lakhs - Rs. 50 lakhs

91 days - 80 years

View Plan

National Health Insurance

Critical Illness Policy

Rs. 1 lakhs - Rs. 75 lakhs

18 - 65 years

View Plan


Disclaimer: Okbima does not support or suggest any specific insurance company or their policies.


Benefits Of Health Insurance For Heart Patients

Cardiac health insurance plans offer many benefits that can provide financial security and peace of mind in case of a heart-related issue.

  1. Financial Protection: Cardiac care can be very expensive like hospitalization, diagnostic tests, medications & surgery.  Health insurance covers these costs to protect your financial situation.

  2. Peace of Mind: Knowing you have coverage for heart-related conditions allows you to focus on getting the best medical care possible without the burden of financial worry.

  3. Coverage for Specific Conditions: These plans are designed to cover heart-related illnesses like coverage for heart attack, bypass surgery, valve replacements, and other cardiac procedures.

  4. Lump Sum Benefit: Many plans provide a lump sum payout upon diagnosis of a covered condition. This money can be used for treatment, lost wages, or other expenses.

  5. Pre and Post-Hospitalization Expenses: Some plans cover expenses before and after hospitalization, such as diagnostics and rehabilitation costs.

  6. Additional Coverage Options: Depending on the plan, you have access to more benefits like annual health check-ups, domiciliary hospitalization, or income benefits to replace lost wages during recovery.


Take Control Of Your Health: Compare Health Insurance Now!


What Is Covered Under Cardiac Health Insurance Plans?

Heart insurance plans cover many expenses related to diagnosing and treating heart ailments. Here are some common inclusions.

  1. Hospitalization Coverage: Many health insurance plans cover charges for the room, doctors, surgeons, medicines, anesthesia, and other hospital expenses.

  2. Pre and Post-Hospitalization Expenses: Some plans cover diagnostic tests before admission (like angiograms or stress tests) and rehabilitation costs after discharge (like cardiac rehab programs).

  3. Cardiac Procedures: The plan covers various cardiac procedures, including angioplasty, bypass surgery, valve replacements, pacemaker insertions, and stenting.

  4. Lump Sum Benefit: Some plans offer a lump sum payment on the diagnosis of a major cardiac condition. This amount can be used for treatment, lost wages, or other financial needs.

  5. Annual Health Check-Ups: Some plans might include yearly checkups to monitor your heart health.


What Is Not Covered Under Cardiac Health Insurance Plans?

In India, heart insurance covers many medical expenses related to heart conditions. However, there are some exclusions in these policies

  1. Pre-existing conditions: Most insurance policies do not cover pre-existing heart conditions at the time of purchasing the policy. If you already have a heart condition before getting the insurance, expenses related to its treatment may not be covered

  2. Waiting period: There is a waiting period in health insurance after purchasing the policy before getting the benefits. During this period, expenses related to cardiac conditions may not be covered.

  3. Non-approved hospitals or providers: Insurers have a network of approved hospitals and healthcare providers. Treatment getting outside of this network may not be covered, unless it’s in the case of an emergency.

  4. Congenital heart conditions: Insurance plans may not cover congenital heart conditions if they are not specifically included in the policy.

  5. Excessive alcohol or drug use: If heart conditions are from excessive alcohol consumption or drug abuse, they may not be covered under the insurance policy.


Get Covered & Stay Protected: View Health Insurance Plans!


Why Do Heart Patients Need Health Insurance?

Heart patients need health insurance for many critical reasons like for high cost of cardiac care, chronic care management, peace of mind, etc.

  1. High Cost of Cardiac Care: Heart-related treatments can be expensive & some procedures like bypass surgery, angioplasty, or valve replacements can affect your savings. Insurance offers financial protection & covers these costs.

  2. Chronic Care Management: Many heart conditions need ongoing medication, doctor consultations, and monitoring. Health insurance helps to manage these expenses, making long-term treatment more affordable

  3. Peace of Mind: Knowing you have health insurance coverage for heart-related issues allows you to focus on your health and recovery without the burden of financial worry.

  4. Unexpected Events: Even with a pre-existing heart condition, unexpected events can happen. Health insurance protects you from such situations by ensuring coverage for emergencies.

  5. Coverage for Specific Procedures: Standard health insurance might not cover all cardiac procedures. Cardiac health insurance plans are designed specifically to cover these needs, ensuring coverage for surgeries.


Don't Wait, Get The Coverage You Deserve: Get A Quote!


Why Buy Health Insurance For Heart Patients From Okbima?

Okbima is the best platform to compare and purchase health insurance plans including cardiac care plans. Here's why Okbima is the best for getting cardiac health insurance.

  1. Online Comparison: Okbima allows you to compare plans from more than 30+* insurance companies that offer cardiac health insurance. This can save you time and effort contacting each insurer individually.

  2. Access to Expertise: Okbima has a “Team Of Insurance Experts” who can guide you in choosing a plan that meets your specific needs and budget for cardiac care

  3. Many Options: With access to plans from multiple insurers, you can find many plans that offer the specific coverage you need for your heart condition.


Read More:

Best Health Insurance Companies In India 2024: CSR & Network Hospitals

Best Senior Citizen Health Insurance Plans in India 2024

Pre-Existing Disease In Health Insurance: List Of Covered Diseases

Grace Period In Health Insurance: Meaning, Benefits

Does Health Insurance Cover Therapy?



In conclusion, finding the best health insurance for heart patients and cardiac surgery in 2024 needs careful consideration of many factors such as coverage, cost, network hospitals, and benefits specific to heart-related issues. Individuals with heart conditions need to choose a plan that offers comprehensive coverage for cardiac surgeries, treatments, medications, and regular check-ups. If you need any assistance, you can contact “Our Experts”.

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