Health Insurance for Heart Patients

Updated on - 24 Oct 2025

Health insurance for heart patients is crucial because it helps cover the high costs of treatment, medications and hospital stays. Heart-related problems often need regular checkups, surgeries or long-term care, which can be expensive.

The right insurance plan provides financial support for medical needs, alleviating the burden of bills. Having insurance also ensures access to quality and timely care.

This blog provides an overview of insurance policies for heart patients, highlighting their key features and importance.

What is heart health insurance?

Heart health insurance is a specialised type of health plan designed for individuals with heart conditions. It helps cover the high costs of treatments, hospital stays and medicines related to heart conditions. This policy ensures patients receive the right care without worrying about hefty medical bills.

Importance of health insurance for heart patients

Consider buying the best health insurance for cardiac patients having a family history of cardiac diseases. Some of the reasons to buy an insurance policy are:

• It helps with the rising costs of medical inflation and the quality of healthcare services.
• It gives financial security in case of a medical emergency.
• Enables the best possible treatment for heart conditions without compromising on anything.
• Reduces dependency while promoting proactive management of heart health.

Key features of heart health insurance plans

Some of the major features of having this insurance policy are:

• It covers hospitalisation costs, surgery, diagnostic tests, medicines, and post-hospitalisation care for heart ailments.
• It provides a lump sum in case of diagnosis or undergoing any specified cardiac procedure, such as angioplasty, bypass surgery, valve replacement, etc.
• It also offers tax perks under Section 80D of the Income Tax Act of 1961.
• Enables access to cashless treatment at network hospitals all across India.
• Avail multiple claims for the same or different conditions or procedures, subject to the exhaustion of the sum insured and the waiting period.

What is covered under cardiac health insurance plans?

Some of the common coverages offered under this insurance plan are:

• Myocardial infarction (heart attack): This condition occurs when a clot or ruptured plaque in the coronary artery interrupts blood flow to a specific part of the heart muscle. Such an interruption can severely damage the cardiac muscle, leading to complications like cardiac arrest, arrhythmias or heart failure.
• Congestive heart failure: It occurs when the heart cannot effectively circulate sufficient blood to fulfil the body’s requirements. This can result from various causes, such as CAD, heart attack, hypertension, valvular disease, etc.
• Arrhythmia: This is an ailment where the heart beats irregularly, too fast, or too slowly. This can affect the heart’s ability to pump blood effectively and cause complications such as fainting, stroke or sudden death.
• Valvular heart disease: This is a condition where one or more heart valves stop functioning properly. It can lead to the reversal of blood flow, leakage through the valve or the narrowing and stiffening of the valve.
• Hypertensive heart disease: This is a condition in which elevated blood pressure harms both the heart muscle and blood vessels, leading to thickening and enlargement of the heart, reduced blood flow or arrhythmia.
• Rheumatic heart disease: It is a condition where an infection by Streptococcus bacteria causes inflammation and damage to the heart valves. This can lead to scarring and deformity of the valves, which can affect their function and cause complications such as heart failure or stroke.l

Treatments covered in heart health insurance

Most of these insurance plans cover hospital expenses, surgeries such as bypass or angioplasty, doctor fees, medications, and diagnostic tests. Some plans may also include pre- and post-hospitalisation costs. This coverage ensures that patients can receive comprehensive treatment and recovery support.

What is not covered under cardiac health insurance plans?

The heart insurance has some of the common exclusions under mediclaim for heart patients, which are:

• Any heart-related issues caused by self-inflicted injuries or self-harm.
• Heart complications arising from childbirth, abortion, or miscarriage.
• Internal congenital disease from birth might not be covered.
• Injuries from risky activities may not be covered by insurance.
• There is no coverage for getting heart-related treatment outside India.

Who should buy heart health insurance plans?

Anyone with a history of heart disease or at high risk due to family history, age, or lifestyle should buy this plan. Even healthy individuals can choose it to stay prepared for potential heart-related issues in the future.

How to buy cardiac health insurance plans online?

Buy a good heart insurance plan online by visiting an insurer’s website or using a trusted platform. Fill in the details, compare different plans, check coverage and premium costs and then make the payment to get the policy instantly. Additionally, to learn more about the policy, you can fill out the form on this page and receive expert help tailored to your needs.

Conclusion

For heart patients, health insurance is not just an option but a necessity. It reduces financial stress by covering the costs of treatments, tests, and hospital expenses. A good policy ensures that patients can focus on recovery instead of worrying about finances. Get better care, timely treatment, and long-term support by choosing the right plan.

In the end, a health insurance policy for the family provides safety and peace of mind, making it an essential step for managing heart-related health risks effectively.

FAQs

• Do heart patients have health insurance?

Yes, many insurers offer coverage for heart patients, allowing even those with existing conditions to receive coverage; however, premiums may be higher.

• How to choose the right heart insurance?

Compare prices and premium value online for individuals with heart issues, and also review the terms and waiting period before purchasing the policy.

• What is the benefit of an insurance policy?

It helps you manage the cost of treatment, such as surgery. You get financial protection during emergencies.

Disclaimer:

The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.