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What is health insurance for heart patients?

Health insurance offers protection against the high cost of medical treatments by covering a range of health conditions and procedures. It includes coverage for heart-related ailments if they are diagnosed for the first time after policy issuance. Usually, you need to buy a critical illness insurance or add a critical illness add-on/optional cover to your base health insurance policy to get coverage for multiple critical conditions. Such policies also cover various other heart issues resulting in heart replacement, repair of heart valves, open chest coronary artery by-pass graft (CABG) surgery, etc.

Benefits of heart insurance

Health insurance for heart patients, which is commonly known as heart insurance, offers you financial protection in case of hospitalisation due to heart attacks. It offers the following benefits:

  • Lump sum pay-out

    You get a lump sum pay-out as per the policy’s terms and conditions. This helps you meet various costs associated with the treatment of heart diseases.

  • Financial cushion

    Your savings can deplete in no time while treating heart-related ailments. The lump sum pay-out received from heart health insurance can help you safeguard them to a great extent.

  • Wide coverage scope

    Critical illness insurance offers wide coverage. Apart from meeting expenses incurred due to heart attack, the plan also offers coverage for coronary artery diseases, open chest CABG surgery, open heart replacement or repair of heart valve.

How to choose the right heart insurance plan?

To choose the right heart health insurance policy, check:

1

Cardiac specific coverage

Find out the coverage specifically tailored towards heart ailments and choose the one with a wide scope for better protection.

2

Policy exclusions

Read the policy wordings carefully to know the exclusions under the policy. This brings down the chances of claim rejection, disputes and surprises.

3

Network hospitals

Find out the insurer’s empanelled network hospitals where you can avail cashless treatment. Check for hospitals dedicated specifically for the treatment of heart diseases.

Who should buy cardiac health insurance?

If you have a family history of heart diseases or are living a sedentary lifestyle, it is advisable to have health insurance policy with a critical illness add-on/optional cover. That said, even if you don’t have any of these, you should opt for heart ailment coverage by adding a critical illness add-on to your base policy. This is because anyone can suffer a heart attack anytime.

How to buy heart health insurance online?

It is quite easy to buy a health insurance online. Visit the website of your preferred insurer, share your details, check the plan you want to buy, opt for critical illness add-on/optional cover for comprehensive protection, and pay the premium. That’s it.

How to raise health insurance claim for heart patients?

There are two ways to raise a claim - cashless and reimbursement. The process for both is given below

Cashless Reimbursement
Contact your insurer and share your name, policy number and other relevant information related to your illness Inform your insurer regarding your claim with your policy number, name, nature of illness and other relevant information
Share the health card provided with the policy Fill-up the claim form in due time with all relevant documents collected from the hospital at the time of discharge
Basis the information provided, the insurer will grant final authorisation The insurer will check and verify them after which your claims will be settled

FAQs on heart health insurance

Is heart attack covered in health insurance?

Expenses related to a heart attack can be covered in health insurance depending on the policy’s terms and conditions.

Does health insurance cover heart disease?

It depends on the policy.

Can I buy health insurance after a heart attack?

While you can buy health insurance after heart attack, make sure to declare the same while buying a plan. It helps in better risk assessment and premium calculation.

Is angioplasty covered in heart health insurance plans?

Please read the policy wording carefully and check with your insurer to confirm the same.

Are there any sub-limits under cardiac health insurance?

It depends on the policy and can differ across plans. Go through the policy wordings to know if there are any applicable sub-limits.

Disclaimer:

Please read the sales brochure / policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions.

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ICICI Lombard General Insurance Company Limited,

ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400025.

Reg. No.115

Fax no - 022 61961323

Contact - 1800 2666

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ICICI Lombard General Insurance Company Ltd. is one of the leading private sector general insurance company in India offering insurance coverage for motor, health, travel, home, student travel and more. Policies can be purchased and renewed online as well. Immediate issuance of policy copy online.

ICICI trade logo displayed above belongs to ICICI Bank and is used by ICICI Lombard GIC Ltd. under license and Lombard logo belongs to ICICI Lombard GIC Ltd. Insurance is the subject matter of the solicitation. The advertisement contains only an indication of cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. CIN: L67200MH2000PLC129408

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