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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
    • Star Health Health Insurance
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I was using the health insurance policy with the Star Health. I am paying a premium of 35K per year. On one occasion I claimed the policy and they were able to reimburse only 75% of the amount claimed which wasn't satisfactory.
      Was this review helpful? 3
      , hyderabad
      Reviewed on Sep 15, 2018
    • Reliance General Health Insurance
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I've a health insurance policy with the Reliance General Insurance. I am paying a premium of 27000 per year. It is for the entire family. There hasn't been any claim experience so far. I will have to wait and see how they respond to my requests in future if I will have any.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 15, 2018
    • New India Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My health insurance is with New India Assurance from last 1 year, i am not aware of the premium amount as my company pays it. I have no claim experience so far with this insurance policy and the coverage value is Rs 2 lacs for individual.
      Was this review helpful? 1
      , bangalore
      Reviewed on Sep 14, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with Apollo Munich from last 7-8 years, i have no claim experience so far with this insurance policy. I pay a premium of Rs 12000 for this insurance policy and the coverage value is Rs 5 lacs for this policy.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 12, 2018
    • Cigna TTK Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with CIGNA TTK from last 2 years, i am happy with the coverage value of this insurance policy. I pay a premium of Rs 12000 for this insurance policy. I have no claim experience so far with this insurance and the coverage value of Rs 4.5 lacs.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 12, 2018
    • Max Bupa Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with MAX BUPA from last 6 years, i am happy with the coverage value of this insurance policy. I have no claim experience so far with this insurance and i get no claim bonus every year. The coverage value for this insurance is Rs 15-20 lacs.
      Was this review helpful? 0
      , faridabad
      Reviewed on Sep 12, 2018
    • ICICI Lombard Health Insurance
      "Good Policy"
      0.5 3.0/5 "Satisfactory"
      I have recently taken a health insurance policy with ICICI LOMBARD. I have to pay a premium of Rs 15000 on yearly basis. This policy i got it along with the personal loan taken from Fullerton. They gave a coverage of Rs 3 lacs for this insurance policy.
      Was this review helpful? 1
      , rajahmundry
      Reviewed on Sep 12, 2018
    • Star Health Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My health is insured with STAR health from last 1year and it is a good policy to use. It is a family policy where the coverage value is Rs 3 lacs per individual. I do not have claim experience with this insurance and i pay a premium of Rs 15000 for this insurance.
      Was this review helpful? 1
      , coimbatore
      Reviewed on Sep 12, 2018
    • Religare Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with Religare from last 1.5 years, a premium of Rs 14000 has to be paid for this insurance policy and it is a family coverage. My claim experience was very good and they covered 100%. Coverage value is Rs 5 lacs +5 lacs (auto refill) for this insurance.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Sep 12, 2018
    • Reliance General Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Reliance general insurance from last 3 months, i pay a premium of Rs 10000 for 2 individuals and each one has the coverage value of Rs 5 lacs. It is a good policy to use and i have not claimed anything so far from this insurance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2018
    • National Insurance Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold an Individual health insurance policy with National insurance from last 4 years, i have not claimed anything so far from this insurance policy. I pay a premium of Rs 3000 for this insurance policy and the coverage value is Rs 1.5 lacs for this insurance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2018
    • HDFC Ergo Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with HDFC ERGO from last 1.5 months, i am happy with the coverage value of this insurance policy. A premium of Rs 6000 has to be paid for this insurance policy. I have no claim experience with this insurance the coverage value is Rs 5 lacs.
      Was this review helpful? 0
      , palanpur
      Reviewed on Sep 12, 2018
    • ICICI Lombard Health Insurance
      "Normal Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the ICICI Lombard. I am paying low premium, there hasn't been any claim experience with the policy so far. Considering the premium I pay it has been a normal experience with the policy so far.
      Was this review helpful? 1
      , udaipur
      Reviewed on Sep 11, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the ICICI Lombard, I am paying the premium and I do not have any claim experience with the policy so far. I'll have to wait and see how they respond to my claim requests in future. It has been a hassle free experience so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 11, 2018
    • Star Health Health Insurance
      "Start Health Insurance Fraud"
      0.5 0.5/5 "Unacceptable"
      My father purchased Star health insurance for family safety and was paying premium from last 2 years but when time came insurer refused to give claim stating that throughout the hospitalization and all investigation reports are within normal limits. My brother was admitted in family hospital delhi for 24 hours, doctors diagnosed him and billed approx 13500.
      Was this review helpful? 2
      , new delhi
      Reviewed on Sep 08, 2018
    • Chola Ms Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Cholamandalam health insurance from last 2 years, i am happy with the coverage value of this insurance policy. I am not aware of the premium amount as my company pays it. It is a family coverage and they cover up to Rs 5 lacs for this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 08, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with Apollo Munich from last 3 months, i am happy with the coverage value of this insurance. I am not aware of the premium amount as my company pays it. The coverage value is Rs 10 lacs for accidental policy and Rs 10 lacs for death policy.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 08, 2018
    • National Insurance Health Insurance
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had taken this insurance policy almost ten years back and the premium had been paying online. The premium amount has not been higher and it was nominal. Their customer support and their staff responses also had been good as well. They also covers most of the hospitals in our locality.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 07, 2018
    • ICICI Lombard Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have an Individual health insurance policy with ICICI Lombard from last 4 years, i pay a premium of Rs 6500 for this insurance policy. I have not claimed anything so far from this insurance policy. The coverage value for this policy is 7 lacs.
      Was this review helpful? 1
      , faridabad
      Reviewed on Sep 06, 2018
    • Star Health Health Insurance
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      Star health is good in the health insurance policy. The medical coverage is good. It is for my family and I and fortunately I had not had a claim experience til date. The premium is normal and there are good benefits too. There is a no claim bonus too.
      Was this review helpful? 1
      , secunderabad
      Reviewed on Sep 06, 2018
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