Can I get health insurance if I already have heart disease?

Yes, you may get medical insurance for heart patients even with an existing heart condition. Eligibility depends on your health condition, medical history, age and the insurer’s underwriting criteria.

Can I buy health insurance after a heart attack?

Yes, you may be eligible for health insurance for cardiac patients after a heart attack. The insurer may consider your current health, treatment history and medical reports before approving your application.

Can I get health insurance after bypass surgery?

You may get health insurance after bypass surgery, depending on your current health, medical history and underwriting requirements. Always disclose details of your surgery while applying.

Can I get health insurance after angioplasty?

Yes, people who have undergone angioplasty may be eligible for heart disease medical insurance, subject to their health profile and the insurer’s underwriting criteria.

Can senior citizens with heart disease buy health insurance?

Yes, senior citizens with heart conditions may be eligible for health insurance. Eligibility depends on age, medical history, existing cardiac conditions and underwriting criteria.

Does health insurance cover pre-existing heart disease from day one?

No, a pre-existing cardiac cover policy may cover eligible existing heart conditions only after you complete the applicable waiting period.

Does heart insurance cover angioplasty?

A heart cover health policy may cover eligible angioplasty expenses if the treatment meets the policy conditions and applicable waiting periods.

Does health insurance cover bypass surgery?

Eligible bypass surgery or CABG expenses may be covered under health insurance for cardiac patients, subject to waiting periods, exclusions, sub-limits and other policy terms.

Can I get cashless treatment for heart disease?

Yes, eligible heart-related treatments may be available on a cashless basis at network hospitals, subject to policy coverage, pre-authorisation and claim approval.

Which health insurance is suitable for someone with a pre-existing heart condition?

Look for a pre-existing cardiac cover policy that accepts your medical history. Compare PED coverage, waiting periods, sum insured, co-payment, sub-limits, exclusions and network hospitals.

What is the waiting period for heart disease in health insurance?

Waiting periods vary across policies and may depend on the heart condition and coverage type. Check the applicable waiting periods before buying medical insurance for heart patients.

Is a medical test required before buying health insurance for heart patients?

It depends on the insurer’s underwriting requirements. Medical tests may be required based on your age, existing heart condition, previous procedures and overall health.

Is there an age limit for buying health insurance for heart patients?

Age limits vary across policies. Check the entry age, renewal conditions and eligibility requirements before choosing medical insurance for heart patients.

What should I disclose while buying health insurance after heart surgery?

Share your complete medical history, including heart conditions, hospitalisations, heart attacks, angioplasty, bypass surgery, medicines and ongoing treatments.

What happens if I don't disclose my existing heart condition?

Incomplete or incorrect medical information may affect policy issuance or future claims, subject to policy terms and applicable regulations. Always provide complete and accurate information.

Heart Health Insurance: Best Health Insurance for Heart Patients

Buy Health Insurance for Heart Patients

If you have a heart condition or have undergone heart surgery, don’t let rising medical expenses put your savings under pressure. Care Heart Health Insurance for heart patients helps cover eligible hospitalisation and treatment expenses, giving you access to quality healthcare while protecting your savings from unexpected medical costs. Explore the heart plans today!

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Summary

Care Health Insurance’s Heart Insurance for cardiovascular diseases provides financial support for eligible medical expenses related to cardiac conditions and treatments. Depending on the policy, coverage may include hospitalisation, ICU expenses, day care procedures, ambulance services, pre- and post-hospitalisation expenses, and other eligible healthcare costs. People with pre-existing heart conditions or a history of cardiac procedures may also be eligible for coverage, subject to underwriting criteria, applicable waiting periods and policy terms. This page explains heart health insurance coverage, benefits, eligibility, sum insured options, waiting periods, exclusions, claim procedures and important factors to consider before buying a policy.

Key Takeaways

Understand how health insurance for heart patients can cover eligible expenses arising from cardiac treatments, procedures and hospitalisation.
Learn how people with pre-existing heart conditions, previous angioplasty, bypass surgery or other cardiac procedures may get health insurance, subject to eligibility and underwriting criteria.
Explore important coverage benefits, waiting periods, exclusions, co-payment, sub-limits and cashless treatment options to understand how a heart insurance policy works.
Get guidance on choosing a suitable sum insured based on your age, heart condition, medical history, family needs, preferred hospitals and expected healthcare needs.
Compare heart health insurance plans, explore coverage and premiums, and buy a suitable policy online with ease.

Find the Best Heart Health Insurance Plans in India

Care Heart

Heart Mediclaim

Specialised Health Plan for Cardiac Conditions!

Designed for individuals with heart conditions who have undergone cardiac surgery.
Automatic recharge restores your exhausted sum insured once per policy year.
Enjoy cashless cardiac health check-ups for specified tests at a network hospital once a year.
No sub-limits on expenses for Day care treatment, AYUSH treatment, domiciliary hospitalisation, or in-patient care.

Cover Amount: ₹ 3 lakh
Starting at Rs 16/day¹

Type of Waiting Period	What It Means
Initial Waiting Period	You may need to wait for a specified period before claiming for certain non-accidental medical conditions.
Pre-existing Disease Waiting Period	Existing heart conditions may get covered after you complete the applicable waiting period.
Specific Disease/Treatment Waiting Period	Certain listed conditions, treatments or procedures may have a separate waiting period.

Type of Waiting Period

What It Means

Initial Waiting Period

You may need to wait for a specified period before claiming for certain non-accidental medical conditions.

Pre-existing Disease Waiting Period

Existing heart conditions may get covered after you complete the applicable waiting period.

Specific Disease/Treatment Waiting Period

Certain listed conditions, treatments or procedures may have a separate waiting period.

Cashless Claim Process	Reimbursement Claim Process
Step 1: Please notify our team about your claim, or download the Care Health Insurance App. Step 2: Go to any network hospital and complete the pre-authorisation process. Step 3: Once approved, proceed to complete the necessary medical treatment. Step 4: Our claims team will examine your records and bills and process payments to the hospital.	Step 1: Submit your claim form and other required documents. Step 2: The policyholder gets approval after receiving a verification letter. Step 3: Respond to the claim management team's questions. Step 4: Once approved, the insurance company will process the payments. If the claim is rejected, the claims team will explain the reasons to you.

Cashless Claim Process

Reimbursement Claim Process

Step 1: Please notify our team about your claim, or download the Care Health Insurance App.
Step 2: Go to any network hospital and complete the pre-authorisation process.
Step 3: Once approved, proceed to complete the necessary medical treatment.
Step 4: Our claims team will examine your records and bills and process payments to the hospital.

Step 1: Submit your claim form and other required documents.
Step 2: The policyholder gets approval after receiving a verification letter.
Step 3: Respond to the claim management team's questions.
Step 4: Once approved, the insurance company will process the payments. If the claim is rejected, the claims team will explain the reasons to you.

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Vikash Kumar Care Heart

Good behavior of the staff

Sir Health Cares Sector 9, Rohini branch The employees are wellcooperative and there is good leadership working here.I am satisfied with their work

Ashok Care Heart

Service review

Some time ago I had purchased a policy from Care Health and just 3 months after purchasing the policy, my claim came related to heart, I was not confident that I would get the claim but due to Abhays support and quick response of the company, my claim was completely settled. Thank you Care Health Insurance and thank you Abhay for fast response.

Althaf Care Heart

Renewal

Renewal is so smooth in care I suggest care for everyone who have PED

Sunil babu kodungayil, Kerala Palakkad Care Heart

Excellent experience with the Care

Very happy to say, I am very proud of this product. Thanks to Mr Shukla Ji. He will suggest me this insurance. All my family needs will cover this health insurance policy.. Actually I ported into the care. Before I used star health family floater plan. But I dont get such a great experience from them. And I thanks to care health. Because I dont have any worries at the time of my childs hospitalization. And I thanks to whole team care.

Rohan Kumar Care Heart

Thank you

Miss. Priyanka attended my call at 1am. Got cashless hospitalisation, and also recharge got easy during my patients bypass surgery.

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Pulmonary Thromboembolism	Carotid Artery Surgery
Primary (Idiopathic) Pulmonary	Coronary Artery Bypass Graft
Infective Endocarditis	Pericardectomy
Heart Valve Replacement/repair	Surgery to Place Ventricular Assist
Surgery of Aorta	Devices or Total Artificial Hearts
Cardiomyopathy	Myocardial Infarction
Surgery for cardiac arrhythmia	Implantation of Pacemaker of Heart
Angioplasty	Implantable Cardioverter Defibrillator
Balloon Valvotomy/Valvuloplasty

Buy Health Insurance for Heart Patients

Starting at @16/day^

Summary

Key Takeaways

What is Health Insurance for Heart Patients?

Can Heart Patients Get Health Insurance in India?

Have a Heart Condition? You May Still Get Covered!

Why Should Heart Patients Buy Health Insurance?

Manage Heart Treatment Costs

Access Cashless Cardiac Care

Prepare for Future Heart Care

Support Your Heart Care

Who Can Consider a Heart Insurance Policy Coverage?

Find the Best Heart Health Insurance Plans in India

Benefits of Heart Health Insurance Plans

What is Covered and Not Covered Under Health Insurance for Heart Patients?

In-Patient Hospitalisation

Day Care Treatments

Pre-and Post-Hospitalisation

Annual Cardiac Health Check-up

Quick Recovery Counselling

Organ Donor Expenses

Global Coverage

International Second Opinion

AYUSH Treatment

Domiciliary Hospitalisation

Ambulance Cover

Pregnancy & Childbirth

Self-Inflicted Injuries

Cosmetic Treatments

Gender Change Treatments

War & Related Events

Dental Treatment

Does Health Insurance Cover Pre-existing Heart Disease?

How Much Health Insurance Does a Heart Patient Need?

₹5 Lakh to ₹10 Lakh

₹15 Lakh and Above

Your Heart Deserves the Right Cover!

Heart Diseases Covered Under Health Insurance for Heart Patients

Other Treatments & Surgeries Covered Under Health Insurance for Heart Patients

What is the Waiting Period for Pre-existing Heart Conditions?

Things to Check Before Purchasing Heart Health Patient Insurance

How to Buy Heart Health Insurance Online?

Step 1

Step 2

Step 3

Step 4

Step 5

Documents Required to Buy a Heart Insurance Plan with Care Health Insurance

How to File a Claim Under Health Insurance for Pre-existing Heart Disease?

Why Choose Heart Health Insurance Plans from Care Health Insurance?

How We Verify Our Data & Metrics

How We Ensure Our Information is 100% Reliable

Editorial Policy

22100+ Healthcare providers offering cashless treatment across the country

FAQS on Heart Health Insurance

Voice of our Customers

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