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Last updated on: June 18, 2025

How to Choose the Best Health Insurance Policy for Heart Patients in India Without Breaking the Bank

A survey indicates that heart insurance claims have risen from 9-12% in 2019-2020 to 18-20% in 2023-2024. This figure shows the true picture of rising cardiac issues in India and the importance of choosing the best health insurance for a 40-year-old male. While choosing an insurance policy, you must consider several things, such as coverage options, the network of hospitals, cashless facilities, etc. This blog helps you select the best health insurance policy for heart patients in India without breaking the bank.

How is a Health Insurance Plan Beneficial for Heart Patients?

The best health insurance policy for heart patients in India provides multiple benefits to heart patients. It not only secures your overall health but also supports you financially. By selecting the health insurance policy, you will receive extensive coverage against costly medical bills.

This policy covers all the patients’ pre- and post-hospitalization expenses. It also offers many add-ons, coverage for yearly health checkups and tax benefits.

Steps to choose the affordable health insurance policy for heart patients

Getting the right insurance policy can be tricky without knowledge. Read the following factors to consider while purchasing a health insurance policy:

1. Consider your needs

The first step is to understand your needs. Not all heart conditions are the same and require different health insurance policies. If you require timely check-ups and medication, go for a simple plan. On the other hand, you can choose a comprehensive term insurance policy if you have to undergo major heart surgery or operations.

2. Check for Pre-existing Condition Coverage

If you are suffering from any heart ailment, choose health insurance policies that include the treatment of such heart conditions. Some policies need a waiting period for pre-existing conditions. However, you can still pick a health insurance plan that suits your requirements.

Before finalising a health insurance plan, you must check all the policy terms to avoid the last-minute hassle.

3. Choose comprehensive health plans

If you have patients in your family suffering from severe heart conditions, go for a comprehensive health plan. It includes the cost of everything from hospitalisation charges to follow-up procedures.

Although comprehensive term insurance policies are costly, they provide the best treatment for patients. Look for additional options, such as post-operative care expenses.

4. Go through all the terms and conditions

The most important task is to read every term and condition in the health insurance policy. Some policies do not offer maturity benefits unless the policyholder fulfils the required conditions. You must disclose all relevant information about the patient, including medical records, bills, and other documents.

5. Check the amount insured

The insurance company pays a certain amount for treating a heart condition in a patient. It is known as the amount insured. Generally, the amount insured is higher than the medical bills. The amount insured is lower than the medical bills, often creating an issue for the policyholders. They may have to spend a heavy amount to pay for the expensive heart surgery or operation.

6. Check the online payment facility

The next factor to watch for is the online payment mode. A cashless facility will make a huge heart surgery or treatment payment easier. Carrying the cash to the hospital during the surgery is unnecessary.

7. Choose the best premium

A health insurance policy with a higher premium could leave you financially weak. On the other hand, the low premium will keep you spending a large amount on a medical bill. So, you must choose a policy that offers a reasonable premium option. Look for the deductibles in the policy that match your requirements and budget.

8. Go for family floater policies

Family floater plans are beneficial for policyholders with a large family. These plans include health insurance for a 55-year-old to a 10-year-old’s medical expenses under a single policy amount. They can be affordable for the full family at a low premium. However, check that the amount insured covers all the required medical costs.

9. Look for the reviews

The last thing is to check the customers’ reviews before finalising the health insurance policy. You must ask for feedback from the patients who chose the term insurance policy a few years ago. Ask the insurance agents and financial advisors for the best health insurance plans.

Conclusion

Proper research and deep analysis are necessary when choosing your whole family’s heart insurance plans. With these tips, you can get the right healthcare and treatment options at affordable charges.

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Prem Anand
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Gurumoorthy Anthony Das
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