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Health Insurance for heart patient

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20 Jan, 2022 by  Ashish Tiwari

I have 2 insurance policies for my mother(53) United India ( SI 3L bought in 1999) and National Insurance ( SI 5 L bought in 2014) . I want to review my options as the two insurance providers are not increasing SI . I think I must have atleast 15 L cover given that she has a heart condition .

I found that there are few heart plans but they have many sublimits on cerebrovascular or renal disorders along with bone fractures etc. Can this group of experts suggest a comprehensive plan that is cost efficient . She had also contracted COVID in 2020 but is doing well now with no major complaints as such except for joint pain which was also there earlier.

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23 Jan, 2022
Self Employed - Digital Consultant

Hi Ashish,


Most heart specific insurance covers are available to people who have undergone a heart related surgical procedure. What's the heart condition your mother suffers from?


Did you try looking for a super top-up? Since the financial risk on Insurers is lower in case of top-ups, your probability of successfully finding a top up cover for your mother is higher.


Best,

Asad Akbar

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24 Jan, 2022
Ashish Tiwari
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