Health Insurance for heart patient

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.

Parents-Health-Insurance

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1 Answer

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23 Jan, 2022

Asad Akbar

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

1 Comments

24 Jan, 2022

Ashish Tiwari

Hi vigilant adviser,

First of all thanks for your time and commitment to the forum.

My mother is a heart patient and had undergone angioplasty in 2014 and 2016 (LAD-2014 RCA-2016 arteries). Currently she has total 8 lakhs of cover (3 lakh united started @ 1999 ; 5 lakh national started @2014 ). However both these plans have sub-limit on room(1% of SI) and I pay Premium of Rs 36000 annually.

I enquired with care health insurance and the representative said that i can buy care heart plan and if I pay for 3 years right away they can waive off waiting period of 2 years on heart (pre-existing).

This plan of care heart has sub-limits of 2.5 lakhs on any surgeries and additional sub-limit of 3.5 lakhs on renal failures.

What they are suggesting is buy a super top up with base care heart. Anything above sub limit can be claimed with super top up. Can someone please confirm if this works as they are promising to sell?

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