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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
      "GOOD"
      0.5 4.0/5 "Great!"
      I have been using with the health insurance policy with the HDFC ERGO GENERAL INSURANCE from past one year and i have paid the premium of 24k for this health insurance. They have provided me with the 12lakhs as medical coverage for my complete family.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 16, 2018
    • Religare Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy from the Religare Insurance company. I am paying a premium for a per year. I do not have any claim experience with this policy. Overall it has been a smooth experience with the policy so far. I'll have to wait and see how they respond to my request in future.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 16, 2018
    • HDFC Ergo Health Insurance
      "GOOD SERVICE"
      0.5 5.0/5 "Blown Away!"
      I am using the health insurance policy with the HDFC ERGO GENERAL INSURANCE from past two years where i have no claim experience with this policy also added on that the premium i pay seven thousand rupees per year. The medical coverage is for six lakhs for complete family.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 16, 2018
    • HDFC Ergo Health Insurance
      "GOOD SERVICE"
      0.5 5.0/5 "Blown Away!"
      I am using the health insurance policy with the HDFC ERGO GENERAL INSURANCE from past two years where i have no claim experience with this policy also added on that the premium i pay seven thousand rupees per year. The medical coverage is for six lakhs for complete family.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 16, 2018
    • Religare Health Insurance
      "Necessary policy for all family"
      0.5 4.0/5 "Great!"
      I have no claim experience with Religare health insurance policy. I have purchased the policy 1 month before. They have offered me a coverage value of 5 lakhs. I have taken the policy for my family. I have no idea about the list of hospital. They are providing the cashless facility. I pay the premium of Rs. 11700.
      Was this review helpful? 0
      , faridabad
      Reviewed on Nov 16, 2018
    • review Health Insurance
      "Health insurance"
      0.5 4.0/5 "Great!"
      I have been holding the health insurance with Bharti AXA. My total family has been covered in this policy. They have given a coverage of 3 lakhs. The preety much hospitals has been covered in my location. My company has provided this policy around 6 months before. Since its a corporate policy, they have provided only to the employees.
      Was this review helpful? 1
      , mumbai
      Reviewed on Nov 16, 2018
    • Apollo Munich Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with Apollo Munich, this policy cover accident claim and there customer support team have explain me about this policy and the premium i pay 25,000-30,000 per year it nominal, i pay through on line, till now there service was good.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 16, 2018
    • Star Health Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with Star health insurance, the premium i use to pay is up to 13,000 a per year its nominal for me, from past 1 year i have been using this insurance there customer service explain me about policy and i use to pay through on line like they use to send me the link i use to pay it.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 16, 2018
    • HDFC Ergo Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have been using my health insurance policy with the HDFC ERGO GENERAL INSURANCE and the premium i am paying six hundred and thirty five rupees per month also it gives the coverage up to one crore rupees. It is a corporate policy, i am using from past 10 years but i had no claim experience.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Nov 16, 2018
    • Cigna TTK Health Insurance
      "Average"
      0.5 4.0/5 "Great!"
      I have chosen Health insurance with Cigna TTK. They provided me a cashless facility and reimbursement for my doctor bills. I have taken the policy for my entire family. I pay yearly 10K as a premium through ECS. The claim experience is excellent and the reimbursement was immediate. The policy coverage for me is 5L and rest of family members is 3L. They have more network of hospitals but they pay more attention on the medical bills.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 15, 2018
    • Apollo Munich Health Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I had a health insurance for my family with Apollo Munich. My experience is good. Due to some reason, I was unable to pay the premium. The policy has been lapsed. I have paid 12K for a year. The payment mode is net banking. The policy coverage was 5L. It was covering almost all diseases, If I use even 5L at one time again they will provide 5L which was very good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 15, 2018
    • HDFC Ergo Health Insurance
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have been using HDFC ERGO health insurance for while , I never had any claim experience with the policy. I will have to wait and see how they respond to their claim requests in future, overall service was good it cover accidental policy and they charge nominal premium amount.
      Was this review helpful? 0
      , anantapur
      Reviewed on Nov 15, 2018
    • Star Health Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have been using my health insurance with Star health insurance,there premium they charge is nominal only i use to pay my premium amount on monthly bases and it use to get auto debited with my bank account and they have explain me all policy which is cover in this policy clearly, till now i did not face any issue with this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 15, 2018
    • Star Health Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have been holding my salary account from STANDARD CHARTERED bank there service is very good they provide me they don't charge me unnecessarily and they use to update me time to time about this offers. There use to serve me 24/7 whenever i call they assist me very well.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 15, 2018
    • Reliance General Health Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I have a company provided health insurance with Reliance, i am not aware of the premium amount as my company pays it. There was no claim experience so far with this insurance policy. This policy has a coverage value of Rs 4 lacs.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 15, 2018
    • ICICI Lombard Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have been holding my health insurance with ICICI lombard from past 1 year, the premium i pay on yearly bases up to 9000 rupees it was nominal for me and i use to pay through on line and there customer service was good they explained me all policy clearly.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 15, 2018
    • review Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken my health insurance with IFFCO TOKIYO , i dont pay premium the company directly pay on my behalf so i dont know how much i need to pay insurance and this insurance include accidental policy and it has got tie up with various hospitals.
      Was this review helpful? 0
      , dariba
      Reviewed on Nov 14, 2018
    • ICICI Lombard Health Insurance
      "Good card"
      0.5 4.0/5 "Great!"
      I have taken my health insurance with ICICI LOMBARD , i pay premium on monthly bases and till now i have not utilized this insurance ye so i have no idea how it will work and i use to my premium through on line and so far service was good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 14, 2018
    • Religare Health Insurance
      "Good Coverage"
      0.5 4.0/5 "Great!"
      I have taken health insurance through online portal, the medical value is fine. They gave me Rs. 5 lakhs for health coverage. The service is good the documentation process was very smooth and I got my card on time. Religare health is providing cash less hospital because they have good networks.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 14, 2018
    • HDFC Ergo Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken my health insurance with HDFC ERGO , i have not opt there policy yet and i use to pay premium on monthly bases up to 400 rupees and it use to get auto debit from my account and while i applied for health insurance customer service had explained me about all procedure , so far the process went smoothly and it good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 14, 2018
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