Buying a cardiac plan? Check waiting periods and co-payment requirements

Customers should also watch out for sub-limits on room rent and specific treatments

In recent years, heart disease has become one of the leading causes of health insurance claims. Not just the old but even younger people are suffering cardiac ailments. 

 

These diseases impose a heavy financial burden on patients and insurers. According to recent data from Policybazaar, an online portal for the purchase of insurance, heart-related conditions accounted for around 10.5 per cent of all its health insurance claims in 2019-20, with an average claim size of around Rs 4.5 lakh. By 2023-24, their share had climbed to around 19 per cent, with the average claim size reaching Rs 13.5 lakh. 

 

Insurers