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  • Health Insurance Plans for Heart Patients in India

    It is not surprising that with changing lifestyles and unhealthy food habits, heart diseases are rising at an alarming rate. The lack of healthy habits and discipline have led people to fall prey to different kind of heart diseases. There are also incidents of people getting heart attacks at an early age of 30-40 years. The worst part is that the medical costs are also increasing every year. If people are not careful enough to plan their finance wisely, they might lose huge chunk of their savings to medical issues. They won’t have any money left to lead a comfortable lifestyle. What is more shocking is that in a country like India where heart diseases are so common, we do not have many health insurance plans which are exclusively meant for heart patients.

    Recently, Start Health Insurance launched a plan named ‘Star Health Cardiac Care’ exclusively for patients suffering from heart ailments. They no longer have to go through a painful period of financial worries. Everything will be taken care of by the insurance company.

    Star Health Cardiac Care:

    It is the first health insurance plan that has been launched in India to meet the needs of individuals suffering from cardiac ailments. This plan covers all kind of heart ailments. This plan is quite innovative in that sense.

    Some of the key features of this plan are as follows:

    • The minimum entry age is 10 years. The maximum entry age is 65 years.
    • The best thing about this plan is that there is no age limit for renewal.
    • It is an individual plan.
    • Exclusively meant for patients who have undergone heart related treatments.
    • Any individual who has previously gone through angioplasty and bypass surgery is eligible to apply for this plan. However, he/she can apply only after 6 months from the date of surgery and until 3 years after surgery.
    • Health-Insurance-for-Heart-Patients
    • Under this insurance policy, there are two plans namely Gold Plan and Silver Plan. Gold plan covers all the hospitalization expenses that have occurred due to heart related surgeries. It also covers cardiac medical management. On the other hand, the Silver plan covers all the hospital expenses that have occurred due to heart related complications.
    • Medical screening is mandatory before the application gets accepted.
    • Tax Benefits are also available under this plan as per section 80D of the Income Tax Act.
    • If the policyholder is not happy with the rules and regulations of this policy, he/she can choose to cancel this policy during the free look period. A free look period of 15 days since the date of receipt of the policy is provided.
    • It has a waiting period of only 90 days after the inception of the policy
    • It covers both pre hospitalization and post hospitalisation charges.

    Bharti Axa Life Triple Health Insurance Plan:

    Even though this plan is not exclusively meant for cardiac patients, it still covers many heart related ailments such as heart transplant, heart valve surgery, stroke, heart attack etc. Some of the key features of this plan are as follows:

    • The best thing about this plan is that the individual can make claims for three unrelated critical illnesses which have been listed under three groups namely Group A, Group B and Group C. Many heart related ailments such as heart transplant, heart attack, heart valve surgery etc have been listed under Group A.
    • The policyholder gets 100% sum assured on each claim.
    • Here, the minimum entry age is 18 years. The maximum entry age is 80 years. The maximum maturity age is 85 years.
    • One of the key benefits of this plan is that once the first claim is made, the future premiums are waived off.
    • Tax Benefits on the premiums is available as per Section 80D of the Income Tax Act, 1961.
    • The policy term is 15 years. The minimum Sum Assured is Rs.2,00,000 and the maximum Sum Assured is Rs.30,00,000.

    Apart from these two, cardiac patients can also opt for the general health insurance plans in India such as Max Bupa Heartbeat, Religare Care Health Insurance plan etc. Most of these policies cover heart related diseases.

    Need for More Exclusive Health Insurance Plans for Heart Patients:

    The sad thing is that even though statistics have revealed that India has one of the highest number of heart patients in India, we still do not have many health insurance plans which are specifically designed for the heart patients. Our lives have become extremely hectic. People hardly get time to eat proper food, exercise regularly and go for regular health check ups. Due to lack of a disciplined lifestyle, heart ailments are rising. The situation is much worse for the people belonging to middle and lower economic strata of the society. They not only have to go through the physical agony of heart ailments, they also have to go through many sleepless nights worrying about the medical expenditures. Many families even have to go to the extent of delaying their treatments or surgeries because of rising cost. It is at times like these that we need more insurance companies to come forward and design specific plans. If we have more plans exclusively meant for the heart patients, it will make their lives a lot easier by taking off the financial burden. Hopefully in the coming years, other insurance companies will follow the footsteps of Star Health Insurance and come up with their own plans exclusively meant for cardiac patients.

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    Heart patient health insurance plan Reviews

  • Page 1 of 50 1 2 3 4 5
    • HDFC Ergo Health Insurance
      "Very Good Service"
      0.5 4.0/5 "Great!"
      Overall it had been a good experience with them so far and i had directly went to take this insurance policy. The process was done online and it has been simple and easy where it was hassle free. I have not yet made any claim with this insurance policy so there has not been any experience in that. There has not been any hassle made by them so far.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jul 20, 2018
    • Star Health Health Insurance
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had taken this insurance almost three years and it had been a good experience with them so far. I had been making all the payments online and it has been easy in making the payments. One of my friend referred me in taking this insurance and i had directly went to them in taking the insurance policy and it has been a hassle free process.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 20, 2018
    • Royal Sundaram Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my health insured with Royal Sundaram general insurance from last 3 months, it is a family health policy with the coverage value of Rs 1 lakh per member. I have no claim experience so far with this insurance and i get good tax benefits on this policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 20, 2018
    • Star Health Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my health insured with Star health from last 6 months, i pay a premium of Rs 5500 for this insurance policy and it is a family coverage. I have not claimed anything so far from this insurance policy and the coverage value is Rs 10 lakhs.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 20, 2018
    • Star Health Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with Star health from last 15 years and it is a good policy. It is a family policy with the coverage value of Rs 7 lakhs for this insurance. I have no claim experience so far from this insurance and i pay a premium of Rs 4000 for this insurance.
      Was this review helpful? 1
      , chennai
      Reviewed on Jul 18, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've an employer provided health insurance policy with the ICICI Lombard. The company is paying the premium. It offers of a coverage of 2 lacs for me annually. I do not have any claim experience with the policy. So far there hasn't been any issues with the policy. I'll have to wait and see how they respond to my claims in future if I'll have any.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 17, 2018
    • HDFC Ergo Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have choose this Hdfc insurance mainly because of convincing premium benefits . This policy covers Cashless hospitalization, pre diseases coverage . Overall am satisfied with customer care and service. Am getting income tax benefits and the premium amount which am paying is quiet high , I make the payment through on line.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Jul 17, 2018
    • ICICI Lombard Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I took health insurance from Icici health insurance . I have choose this insurance mainly because of convincing premium with too many benefits . This policy covers Cashless hospitalization. , pre diseases coverage . Overall am satisfied with customer care and service. Am getting income tax benefits
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 17, 2018
    • Star Health Health Insurance
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I took health insurance from Star health insurance . I have choose this insurance mainly because of convincing premium with too many benefits . This policy covers Cashless hospitalization , pre diseases coverage . Overall am satisfied with customer care and service. Am getting income tax benefits
      Was this review helpful? 1
      , vadodara
      Reviewed on Jul 17, 2018
    • review Health Insurance
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      I took health insurance from Iffco tokio health insurance . I have choose this insurance mainly because of convincing premium amount . I have closed this insurance as they told it cover pre disease coverage . During claim process , there is no proper response from the customer service and response .
      Was this review helpful? 0
      , vadodara
      Reviewed on Jul 17, 2018
    • New India Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy which is provided by the employer in partnership with the New India Insurance . The company is paying the premium, so far there hasn't been any claim experience with the policy. It offers 10 lacs hospitalization coverage and a whopping 1 Crore accidental benefits. Considering the features and benefits it is recommendable health insurance policy to have.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jul 16, 2018
    • Bajaj Allianz Health Insurance
      "Useful Service"
      0.5 4.0/5 "Great!"
      I've an employer provided insurance policy with the Bajaj Allainz. The company is paying the premium, I do have a claim experience with the policy where I claimed 100% amount needed for the treatment. It was a cashless treatment and the whole process was smooth and hassle free.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 16, 2018
    • National Insurance Health Insurance
      "Good Service so far"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the National Insurance. It offers an annual Coverage of 3 lacs, the policy covers me and my parents and I do not have any claim experience with the policy so far. I never had any issues with their services.
      Was this review helpful? 1
      , gurgaon
      Reviewed on Jul 14, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the ICICI Lombard. It took almost one month to receive the policy document soft copy. I am paying a premium of 650 per month. They're yet to send me the hard copy. Overall it hasn't been a good experience with the policy so far.
      Was this review helpful? 0
      , delhi
      Reviewed on Jul 14, 2018
    • Reliance General Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the Health Insurance policy from the Reliance General Insurance. The company is paying the premium. The policy covers me and my parents. The policy offers an annual coverage of 5 lacs for me and 2 lacs for my parents. So fat I do not have any claim experience with the policy.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jul 14, 2018
    • HDFC Ergo Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've an employer provided health insurance policy with the HDFC Ergo. It offers an annual coverage 5 lacs, the company is paying the premium. I do have any claim experience with the policy. I have claimed this policy two times for me and wife both they approved. The claim processing was really easy and they settled almost 30000.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 14, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Apollo Munich from more than 10 years and it is an individual policy. I am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy and the policy is covered up to Rs 3-4 lakhs.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 13, 2018
    • Max Bupa Health Insurance
      "Don't buy health insurance from Max Bupa"
      0.5 0.5/5 "Unacceptable"
      I have taken policy for brother. while playing he suffered from knee injury. During hospitalization doctor suggested for ligament operation. After that we applied for cashless but max bupa rejected cashless and suggested for reimbursement. After hospitalization we submitted all claim document. max bupa send message that within 21 days claim will approved. Now after 40 days also claim is not approved and showing Suspense status . after that i checked review from many website, i come to know that max bupa claim ration is zero. This is fake company who not settle any claim. Below are my claim details: Claim Number: 339012 Final Status: Suspense Claim Decision Date: Saturday, June 9, 2018 12:00 AM
      Was this review helpful? 1
      , pune
      Reviewed on Jul 12, 2018
    • Star Health Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with Star health from last 7 years and it is one of the good insurance policy. I pay a premium of Rs 10000 for this insurance and it is a family heath policy. My claim experience was good and i have claimed 2 times. The coverage value was 90% and it was a cashless treatment.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Jul 12, 2018
    • United India Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with United India Insurance from last 15 years, i am happy with the coverage value of this insurance policy. I have no claim experience so far with this insurance policy. This is a family policy so the coverage value is Rs 3 lakhs.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jul 12, 2018
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