• 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
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a health insurance with Star health from last 2 years, i pay an insurance premium of Rs 11000 every year. I get a good coverage value of Rs 5 lakhs for this health insurance policy. I have not claimed anything so far with this insurance policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 20, 2018
    • Apollo Munich Health Insurance
      "best experience"
      0.5 3.0/5 "Satisfactory"
      I had taken a Health insurance policy from the top most private sector insurance company APOLLO MUNICH. Most of all benefits are covered under one policy, so no need to top up my insurance plan. I had received my health card and my policy document by mail. They have a good network with a best corporate hospitals.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 20, 2018
    • Religare Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my health insured with Religare health 4 months back, i am happy with the coverage value of this insurance policy. A premium of Rs 8000 has to be paid every year for this health insurance. I do not have claim experience so far with this insurance and they cover Rs 5 lakhs for this insurance.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Apr 20, 2018
    • Max Bupa Health Insurance
      "very good policy"
      0.5 5.0/5 "Blown Away!"
      I had taken a Health insurance policy from the top most private sector insurance company MAX BUPA. Most of all benefits are covered under one policy, so no need to top up my insurance plan. I had received my health card and my policy document by mail. They have a good network with a best corporate hospitals.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2018
    • Religare Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      From RELIGARE Health i have taken the health insurance. They provide cashless facility. There is no claim experience with them. There is health check up available on the insurance policy. Its an individual policy.The customer service and response is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2018
    • Bajaj Allianz Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I am having the BAJAJ ALLIANZ health insurance policy around a year ago. The customer support service is good with the BAJAJ ALLIANZ GENERAL INSURANCE company. I need to pay the premium amount of Rs,13,000 every year once. This policy covers 3 members in my family. This policy has the medical coverage of Rs,3,00,000 which can be used be all three members.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 19, 2018
    • United India Health Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      I have a health insurance policy with United India Insurance from last 5-6 years, my claim experience was not up to the mark as they covered only 40% of the billed amount. I have a coverage value of Rs 3 lakhs and i pay a premium of Rs 3200 for this insurance.
      Was this review helpful? 0
      , surat
      Reviewed on Apr 19, 2018
    • HDFC Ergo Health Insurance
      "best policy"
      0.5 4.0/5 "Great!"
      I had taken a health insurance policy from the public sector insurance company HDFC ERGO GENERAL INSURANCE. My annual premium amount is reasonable by comparing with other premiums. I did not received my policy document by mail and hard copy too. I contacted the customer care to courier my health card to my registered communication address.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    • Apollo Munich Health Insurance
      "extra ordinary experience"
      0.5 5.0/5 "Blown Away!"
      I had taken a health insurance policy from the top most private sector insurance company APOLLO MUNICH. They couriered my health card to my registered communication address. They have a good network with corporate hospitals. I had a good positive claim experience and i claimed nearly 95% of billed amount.extra ordinary experience
      Was this review helpful? 0
      , coimbatore
      Reviewed on Apr 18, 2018
    • New India Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have no claim experience so far with the health insurance, i am using this insurance from last 1-2 years and i am not aware of the premium amount as my company pays it. The coverage value of this insurance policy is 3-4 lakhs and i am satisfied with it.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 18, 2018
    • Star Health Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      Holding the health insurance policy from the STAR HEALTH & ALLIED INSURANCE company and I have got this policy on 2013. I pay Rs,16,000 every year to renew the policy. This policy covers 4members in my family . Star health insurance policy has the medical coverage up to Rs,10,00,000,.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 18, 2018
    • Bajaj Allianz Health Insurance
      "Good health insurance policy"
      0.5 3.0/5 "Satisfactory"
      I have got the health insurance policy from the bajaj and this policy covers only one member which is myself actually it is a self policy . I pay the premium amount in every month on month . I pay Rs,15000 to this policy. This policy has the medical coverage up to 5lakhs and I am satisfied with it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    • HDFC Ergo Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with HDFC ERGO from last 1month, i have not claimed anything so far with this insurance. The coverage value of this insurance policy is 3 lakhs and i am satisfied with it. I pay a insurance premium of Rs 11000 every year.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2018
    • Star Health Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Star health from last 3 years, i am not aware of the premium amount as my company pays for the health insurance. I am happy with the coverage value of Rs 2 lakhs for this health insurance. I do not have claim experience so far with this insurance.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2018
    • HDFC Ergo Health Insurance
      "best policy"
      0.5 5.0/5 "Blown Away!"
      I had taken a health insurance policy from the HDFC ERGO GENERAL INSURANCE. My annual premium is very reasonable by comparing with other premiums. I had a positive claim experience. The claim procedure is very easy and simple. The costumer support is good and well responsive.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2018
    • New India Health Insurance
      "good experience"
      0.5 5.0/5 "Blown Away!"
      I had taken a health insurance policy from the NEW INDIA ASSURANCE. I had received health card. My annual premium is Rs. 12,000/- which is very reasonable by comparing with other insurance polices. They had a good network with top most corporate hospitals.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 17, 2018
    • Oriental Insurance Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Oriental health from last 3-4 years, the coverage value of this insurance policy is 3-4 lakhs. I have not claimed anything so far with this insurance company. I am not aware of the premium amount as my company pays it.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 17, 2018
    • Star Health Health Insurance
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      The service of Star health insurance service is good. The payment has been paid by my company. The offers of Star health insurance covers the top hospitals. But still I have not claimed any service from Star health insurance service. It was an average service from Star Health insurance service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 17, 2018
    • HDFC Ergo Health Insurance
      "HDFC Ergo Health insurance"
      0.5 5.0/5 "Blown Away!"
      When i have taken the credit card from HDFC They have activated the heath insurance HDFC ERGO. The total policy coverage is for 3 lakhs. If hospitalized then i can claim upto 50000. It will covers my family as well. They do have reimbursement option as well. It will be auto debited from my salary account.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Apr 17, 2018
    • ICICI Lombard Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with ICICI lombard from last 2 years and it is one of the best insurance policy to use. They gave a coverage value of Rs 3 lakhs for this insurance. My claim experience was good and they covered 100% of the billed amount. I pay an insurance premium of Rs 16000-17000 every year.
      Was this review helpful? 0
      , jabalpur
      Reviewed on Apr 16, 2018
    Common Loader Icon
    Page 1 of 50 1 2 3 4 5
  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.