Cardiac Insurance Starting at ₹15/Day

Heart insurance for heart patients is a specialised health insurance plan designed to cover expenses related to heart ailments, such as heart attacks, arrhythmias and valve diseases. With treatments for cardiac conditions often being lengthy and expensive, this coverage ensures financial protection during critical times.

Cardiac health insurance includes benefits like hospitalisation costs, medication, surgeries and other cardiac procedures, enabling you to focus on recovery without worrying about overwhelming medical bills. TATA AIG’s Cardiac Cover is tailored to safeguard your heart health, offering comprehensive coverage and peace of mind for you and your loved ones.

Cardiovascular and cerebrovascular diseases rank as the first and third leading causes of death worldwide. These conditions account for approximately 28% of global fatalities, with ischemic heart diseases alone causing an estimated 247.9 deaths per 100,000 people annually.

Factors like unhealthy lifestyles, stress and genetic predisposition contribute to this alarming statistic. The financial burden of treating heart conditions in India is equally concerning. A single heart bypass surgery can cost between ₹1.5 to ₹5 lakh, while angioplasty expenses range from ₹1.2 to ₹3 lakh. Advanced treatments, post-surgery care and medications can significantly add to these costs. Hence, the right kind of financial help for heart patients in India is extremely vital.

For heart patients, health insurance with cardiac cover is crucial. It offers financial protection against these high medical expenses, ensuring access to timely and quality treatment without exhausting savings.

Policies like TATA AIG’s Cardiac Cover take care of hospitalisation, ESMR treatment costs, surgeries, medications and other cardiac procedures, reducing the financial stress of managing a critical condition.

In a country where heart diseases are on the rise, having dedicated heart insurance ensures that patients can focus on recovery and well-being instead of worrying about medical bills. Also, TATA AIG’s health insurance for heart patients takes care of all kinds of cardiovascular disease quotes, offering support to the policyholders.

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TATA AIG offers comprehensive heart cover insurance plans tailored to meet diverse health needs. Here are the options:

Smart Century Premier Plan

Coverage: TATA AIG’s health insurance for heart patients protects against 100 critical illnesses, including major heart conditions.

Key Features:

Waiver of 70% of the renewal premium for three policy years after the first claim is admitted.

The Multipay feature allows up to three claims under different illness categories during the policy term.

Smart Half Century Plan

Coverage: Our best health insurance for cardiac patients covers 50 critical illnesses, focusing on essential heart-related conditions.

Key Features:

Offers lump-sum payouts upon diagnosis of listed critical illnesses.

This includes a second medical opinion for critical illnesses, ensuring informed decisions are made.

Both plans provide options for a survival period (0/7/15 days), preventive health check-ups and additional benefits like cancer care, offering holistic protection for your health. Choose the plan that best fits your needs for financial security and peace of mind.

TATA AIG insurance for heart patients is designed to provide financial security during critical health emergencies, including acute heart diseases like myocardial infarction (first heart attack of specific severity), refractory heart failure, repairment of heart valves, open chest bypass and cardiomyopathy.

These conditions often require extensive treatment and significant financial resources. Here are the key features:

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TATA AIG’s best health insurance policy for heart patients in India offers a range of benefits designed to provide financial security and peace of mind during critical heart health situations. Here are some of the key benefits:

Lump Sum Payout: Upon diagnosis of a covered heart condition, TATA AIG provides financial help for heart patients in India by offering a lump sum payout, subject to the exclusions and limitations outlined in the policy.

Coverage for Treatment Costs: The policy compensates for the cost of treatment, including hospitalisation expenses, surgeries and other associated medical costs.

Income Protection: If you are unable to work due to a heart condition, the claim amount can help cover household expenses, ensuring financial stability during recovery.

Tax Benefits: Under Section 80D of the Income Tax Act, you can avail yourself of tax deductions on the premiums paid for the heart and cancer insurance plans, which helps you save on taxes.

Global Coverage: Depending on the plan, TATA AIG’s heart insurance may cover treatments abroad, offering flexibility in accessing the best care.

Rising Medical Costs: The policy helps you manage escalating healthcare costs, protecting your savings from being drained by expensive treatments.

Peace of Mind: In the event of a heart attack or related health issue, you can apply for a claim without worrying about financial strain.

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Cardiac health insurance plans are ideal for individuals who need cardiac patient care. Also, people with a higher risk of heart-related ailments or those seeking comprehensive financial protection for unexpected medical emergencies, should opt for the best health insurance for heart patients with TATA AIG.

Individuals with a Family History of Heart Disease: If heart conditions run in your family, you may be at a higher risk and should consider specialised coverage.

People with Pre-Existing Conditions: Those managing lifestyle diseases like diabetes, hypertension or obesity are more prone to cardiac issues and can benefit from such plans.

Stressful Lifestyles: Professionals in high-stress jobs or with sedentary routines should safeguard themselves against potential heart ailments.

Elderly Individuals: With age, the likelihood of heart conditions increases, making cardiac insurance a prudent choice.

Health-Conscious Individuals: Even those without apparent risks can benefit from the peace of mind and financial security offered by cardiac insurance.

TATA AIG’s health insurance for heart patients is designed to cater to individuals across various age groups and family structures. Here are the eligibility details:

Entry Age:

For adults: Minimum age is 18 years, and the maximum age is 65 years.

For children: Minimum age is 91 days, and the maximum age is 18 years.

Coverage for Multiple Individuals: The policy extends to self, spouse, dependent children, parents, parents-in-law, grandchildren, siblings and even extended family like nieces and nephews.

Base Section Requirement: At least one base section (Critical Illness, Cancer 360 Degree - Indemnity, or Hospital Cash) must be selected.

Risk Loading: Based on health status, risk loading may apply, capped at 157.5% for Critical Illness cover and 150% for other covers.

Renewability: Policies are renewable for life, with a 30-day grace period for premium payment.

Step 1: Compare the Plans

Start by exploring TATA AIG's two options: the Smart Century Premier Plan and the Smart Half Century Plan. Compare the number of critical illnesses covered, premium amounts and additional features to determine which plan suits your needs.

Step 2: Review the Benefits

Go through the detailed benefits of each heart insurance policy, including cashless hospitalisation, Multipay options, health check-ups and survival period flexibility. This helps ensure the plan aligns with your requirements.

Step 3: Select the Right Plan

After comparing and understanding the benefits, choose the plan that best meets your coverage needs and budget.

Step 4: Check the Premium

Use our online premium calculator to check the premium amount for your selected plan. Adjust coverage options if necessary to find the best fit.

Step 5: Pay the Premium Online

Complete the purchase by paying the premium securely online. Once the payment is successful, your policy document will be sent to your registered email ID.

For additional assistance, you can talk to our experts at 1800-267-6115. TATA AIG always ensures a seamless and hassle-free policy buying experience.

Documents Required to Buy a Heart Insurance Plan with TATA AIG

To ensure a smooth and hassle-free process when buying a heart insurance policy with TATA AIG, you will need to provide the following documents:

Age Proof: A valid document verifying your age, such as a birth certificate, Aadhaar card or passport.

Identity Proof: Any government-issued ID, like a PAN card, Aadhaar card or voter ID, to confirm your identity.

Address Proof: Documents such as a utility bill, Aadhaar card or rental agreement to establish your place of residence.

Income Proof: Salary slips, bank statements or income tax returns to verify your financial stability.

Recent Coloured Photographs: Passport-sized photos for official records.

Medical History Documents: Any existing medical records or diagnostic reports related to your health conditions.

A heart insurance plan from TATA AIG offers comprehensive coverage to safeguard you against the financial burden of heart-related medical treatments. Here is what is covered:

In-Hospitalisation Expenses: Covers expenses incurred during hospital stays, including room rent, doctor consultations and medical procedures related to heart conditions.

Pre and Post-Hospitalisation Expenses: Expenses for tests, diagnostics and follow-up treatments before and after hospitalisation are included, ensuring holistic coverage.

Myocardial Infarction Cover: Provides financial protection against the high costs of treatment for heart attacks, including surgeries and medications.

Domiciliary Hospitalisation or OPD Treatments: Covers treatment costs for heart conditions managed at home or through outpatient care when hospitalisation is not required.

Refractory Heart Failure: Offers coverage for treatments related to advanced stages of heart failure, ensuring peace of mind during critical times.

Annual Cardiac Check-Up: Includes yearly health check-ups to monitor heart health and detect issues early.

Alternative Treatments: Covers expenses for alternative treatments like AYUSH, providing diverse healthcare options.

TATA AIG’s heart insurance offers extensive coverage for various heart-related conditions and treatments, providing financial support during critical times. Below are the key conditions covered, explained in detail:

Myocardial Infarction (First Heart Attack)

This coverage includes treatment for a first heart attack caused by inadequate blood supply to a portion of the heart muscle. The diagnosis must be supported by clinical symptoms such as chest pain, electrocardiogram (ECG) changes indicating a new abnormality and elevated infarction enzymes like Troponins or other biochemical markers.

However, certain exclusions apply, such as acute coronary syndromes, chest pain not linked to myocardial infarction or discomfort caused by coronary heart disease. This ensures coverage is provided only for severe and well-diagnosed cases.

Refractory Heart Failure

Refractory heart failure coverage applies to advanced heart failure cases that persist despite six months of optimal therapy under a cardiologist’s supervision.

To claim, at least four of the following criteria must be met: presence of a third heart sound, cardiomegaly (enlarged heart) visible on X-ray, elevated jugular venous pressure, low left ventricular ejection fraction (≤40%), presence of rales in both lung bases, abnormal fluid retention in the abdomen, elevated biomarkers or reduced functional capacity.

Exclusions include heart failure caused by alcohol, drug abuse or autoimmune disorders.

Cardiomyopathy

This medical insurance for heart patients’ coverage includes treatment for cardiomyopathy, a condition affecting the heart muscle’s ability to pump blood effectively. It covers cases where the patient has significant clinical impairment, low functional capacity or an ejection fraction of 40% or less. A cardiologist must make the diagnosis.

However, exclusions apply to cases caused by alcohol or drug abuse, as well as other forms of heart disease, such as inflammation or enlargement of the heart muscle.

While TATA AIG heart health insurance provides extensive coverage, certain exclusions apply to ensure fairness and clarity in claims.

Medical Exclusions

• Treatments related to alcoholism, drug or substance abuse.

• Procedures for obesity management or weight control.

• Costs associated with investigation and evaluation without a confirmed diagnosis.

Non-Medical Exclusions

• Claims against medical insurance for heart patients arising from any insured person attempting to breach the law with criminal intent.

• Intentional self-injury or suicide attempts, regardless of mental state.

• Treatments provided by a medical practitioner outside their area of expertise.

TATA AIG ensures a smooth and hassle-free claim process for its medical insurance for heart patients. Here is how you can initiate and receive your claim:

Step 1: Intimation and Assistance

Notify TATA AIG immediately about the claim requirement via SMS, call or email. Ensure you have your policy or certificate number and a set of necessary claim documents ready. Provide the following details during claim intimation:

• Insured person’s name.

• Date and time of the event.

• Nature of the surgery, accident, illness or injury.

• Name of the hospital or doctor handling the treatment.

• Insured’s contact details, including email ID and phone number.

• Intimation should be done within 30 days of the event. In certain cases, this time frame can be flexible.

Step 2: Claim Notification

Submit a written claim notification within 7 days of the event and no later than 30 days. This step is crucial as it establishes TATA AIG's liability for processing your claim.

Step 3: Reimbursement/Payout of the Money

Once your claim is approved, TATA AIG ensures swift reimbursement or direct payout to ease your financial burden. This is what happens next:

• Verification of Documents: The submitted claim documents are thoroughly reviewed to ensure they meet the policy's terms and conditions.

• Approval of Claim: If all the required documents are in order and the claim is valid, it is approved promptly.

• Disbursement of Funds: The approved amount is transferred directly to your registered bank account or paid directly to the hospital after verifying all expenses.

Documents Required to Initiate Claims

• A duly filled claim form.

• All relevant medical records, diagnosis and treatment history related to the patient’s heart condition.

• Copies of all hospital bills, receipts and any other medical-related expenses.

• A copy of the discharge summary from the hospital.

• Any prescriptions or medical certificate for heart patients related to the treatment from a cardiologist.