Heart Care Insurance

Health Insurance for heart protects you and your family 24/7 from escalating healthcare expenses.

What is Health Insurance for Heart?

Health insurance for heart covers treatment expenses incurred due to conditions like congestive heart failure, refractory cardiac arrest, myocardial infarction, etc. Individuals with heart-related ailments and/or genetic predisposition to heart conditions could benefit from this policy as it would reduce the cost burden due to ongoing treatments and sudden emergencies.

It’s crucial to pick the appropriate health insurance for heart with cashless treatment options. Navi boasts over 10,000 network hospitals where you can get cashless treatment facilities. Navi Health Insurance also provides heart patients with a comprehensive health insurance program. This comprises, and is not restricted to, full hospital bill insurance, higher insurance limits and more.

Features and Benefits of Health Insurance for Heart

Features and Benefits of Health Insurance for Heart

What makes Navi Medical Insurance for heart patients so valuable? Check out the features and benefits you can get with Navi Health Insurance:

Get the option to choose a hospital for treatments. File cashless claims in our 10,000+ network hospitals. You don’t have to pay anything from your pocket. Navi will take care of the bills.
No heavy paperwork. From purchasing insurance for heart patients to cashless claim settlements – the entire process is online. Just download the Navi app and register now!
Get a combined or No Claim Bonus every year you don’t file a claim. A percentage of the insurance premium is transferred to the subsequent policy year.
Get an additional sum insured for the in-patient care for an injury due to an accident.
Navi automatically restores up to 100% of the initial insurance cover as mentioned in the policy guidelines for the duration of the insurance year.
Navi’s health insurance coverage starts at ₹2 lakh and up to ₹1 crore helps secure your family financially. You also have the option to pay your premiums in EMIs at ₹235 per month.
If you walk approximately 4000 steps daily for at least 250 days, Navi gives you an extra 5% off on your premiums upon insurance renewal.
*Terms and Conditions Apply

Health Insurance Policy Inclusions

100% Hospital Bill Covered

100% Hospital Bill Covered

We cover your entire hospitalisation bill along with other related medical expenses from 90 days before to 180 days after hospitalisation

Pre and Post Hospitalisation

Pre and Post Hospitalisation

With Navi Health Insurance Plan, you get comprehensive medical coverage 90 days before hospitalization and 180 days after

Hospitalisation at Home

Hospitalisation at Home

Get medical treatment at home for 3 or more days due to patient’s adverse health condition or unavailability of hospital bed

Unlimited Online Consultations

Unlimited Online Consultations

You can get unlimited online doctor consultations with the top doctors of the country at to additional cost

Additional 100% Sum Insured for Accidental Injury

Additional 100% Sum Insured for Accidental Injury

For road accident injuries, we provide additional 100% sum insured once existing sum insured amount is exhausted

Organ Donor Expenses

Organ Donor Expenses

We cover organ donor’s hospitalisation cost

Air Ambulance

Air Ambulance

Get up to ₹5 Lakh for emergency transfer via air ambulance

Complimentary Health Checkups

Complimentary Health Checkups

A complimentary health checkup once in every policy year for members older than 17 years

Maternity Benefits

Maternity Benefits

Additional coverage up to ₹30,000 for up to 2 deliveries/lawful termination of pregnancy after a 3-years waiting period

Complimentary Health Checkups

Complimentary Health Checkups

A complimentary health checkup once in every policy year for members older than 17 years

Maternity Benefits

Maternity Benefits

Additional coverage up to ₹30,000 for up to 2 deliveries/lawful termination of pregnancy after a 3-years waiting period

New Born Baby Benefits

New Born Baby Benefits

Hospitalisation expenses of up to ₹10,000 for newborn baby within 90 days of birth

Health Insurance Policy Exclusions

Dental Treatment

Any planned dental treatment is not covered under the health insurance plan

Eye Treatment

Any planned eye-treatment is not covered under the health insurance plan

Alcoholism/Drug

Any health complications caused by alcoholism or drug abuse aren't covered under the health insurance policy.

Alcoholism/Drug

Why Do You Need Mediclaim for Heart patients?

Customised health insurance for heart disease patients is crucial to one’s financial situation in times of medical emergencies. Here’s why you need one:

Financial Security

Safeguard your finances from the high insurance premiums and hospitalisation bills with individual or family health insurance covering heart diseases.

Coverage for Your Entire Family

Health insurance for heart patients is made to protect your family in the case of a health-related emergency. Unlike a solo benefits package, everyone in your family is covered under one insurance plan.

Affordable Premiums

With a family insurance plan, you just need to pay one premium for heart health insurance. You can also opt for individual health insurance for cardiac disease to cover yourself or a single family member.

Tax Benefits

Utilise section 80D of the Income Tax Act to claim deductions on your health insurance premium and reduce your tax liability.

Stay Protected from Lifestyle Diseases

Thanks to heart care insurance, you can protect your finances from the costs incurred due to illnesses arising from poor lifestyle choices.

How to Buy Cardiac Health Insurance Online?

Do you plan to purchase Cardiac Health insurance? Get Navi Health Insurance for the most benefits at reasonable prices. To register, simply download the Navi app.

Follow these steps to purchase Navi Health Insurance:

Download the Navi app from Play Store or App Store
Navi’s insurance advisor will ask a few questions
Get a quote right away that is based on your health and personal information
You have the option to pay your insurance premium in EMIs starting at ₹235 per month
Get instant access to all policy-related documents

How to Buy Cardiac Health Insurance Online?

Network Hospitals

Manipal Hospital

Aster Hospital

Manipal Hospital

Aster Hospital

How to File a Claim for Heart Health Insurance?

How to File a Claim for Heart Health Insurance?

Filing a claim for heart care insurance follows the same steps as other health insurance policies. Navi has options for cashless claims or reimbursement. Here are the steps:
  1. Select your admittance date
  2. Visit your nearest Navi network hospital
  3. Go to the insurance help desk and provide the following details
    • Insurer – Navi General Insurance
    • TPA – Medi Assist
  4. Keep your policy document and ID proof ready for reference
  1. Select your admittance date and hospital
  2. Upload all the medical documents on the Navi App
  3. Track the claim status through the claims tracker
  4. You will be notified once your claim is approved

How to Choose the Right Insurance for Yourself?

Sum Insured

Considering the rising medical costs, try to buy a policy that provides adequate cover. A policy with a low coverage amount may not be sufficient for you and your family. Navi Health Insurance offers health cover up to Rs.1 crore*

Cashless Settlement

Insurance companies have tie-ups with hospitals, commonly known as network hospitals. Check if your insurer provider has a long list of network hospitals. You can get cashless claims in 10,000+ network hospitals with Navi Health Insurance

Claim Settlement Process

Every insurer looks forward to a hassle-free claim settlement process and every quality insurance company strives to maintain an excellent claim settlement ratio. With Navi Health Insurance, claim settlement is a breeze

Affordable Premium

There should be a balance between insurance cover and premium. Considering affordability as a major factor, we have introduced insurance premium payments in EMIs. Our insurance premium EMIs start at just Rs.235/month*

Know Your Requirement

Your requirements can include the sum insured, how many members you are planning to add, the ailments you want to be covered, etc. Understand your requirements and purchase a policy to maximise on policy benefits

Waiting Period

Waiting period is the time span during which you cannot claim some or all of the benefits of your policy. It is crucial to know the waiting period for various ailments mentioned in your policy to make an informed decision.

Top Hospitals In Cities

Manipal.c463cdb4

Manipal Hospital

Apollo.62f06b3b

Apollo Hospital

Fortis.2673ea86

Fortis Hospital

Max.8013c6e1

Max Healthcare

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What our customers say about us

My whole claim experience was hassle free & very good, both during admission and discharge time. I have already recommended Navi Health Insurance to many friends & will continue doing so.
The best thing about Navi Health insurance was completely paperless buying experience and great customer support. I found Navi health insurance to be most affordable policy with amazing benefits
I was happy with the overall claim experience. Most important part was it was cashless and I got quick response by Navi team. Will definitely recommend Navi Health Insurance to family and friends!

Frequently asked questions

Heart attack insurance coverage covers individuals with poor heart conditions and disorders of the heart. It is specialised health insurance for heart patients and is advantageous for those with pre-existing heart conditions. Heart care insurance plans cover acute cardiac conditions such as cardiomyopathy, congestive cardiac arrest, myocardial infarction or cardiac arrest.
Individuals with heart disorders can choose from various health insurance options, but Navi Health Insurance is the most advantageous. You can purchase critical illness coverage that explicitly includes heart care insurance benefits. Check out Navi Health Insurance and choose a plan corresponding to your eligibility, medical requirements, amenities, and insurance.
Chest discomfort, shortness of breath, abnormal heart beating, congestive cardiac arrest, alterations in the electrocardiogram, an elevation in infarction enzymes, and other biochemical parameters are the signs of myocardial infarction (first heart attack). Heart insurance covers heart failure treatment. Moreover, plans that cover critical illnesses also typically cover these heart conditions.
One of the main advantages of heart care insurance is that the insurance company pays the policyholder a lump sum of money to cover the cost of medical treatments related to the heart. Navi insurance for heart patients covers hospitalisation costs, pre, and post-hospitalisation costs, annual health check-up benefits, at-home hospitalisation, cashless claims, and more. However, these benefits may change from one health insurance plan to the next.
If a significant surgery for heart arrhythmia that cannot be addressed any other way necessitates the insertion of a lifelong heart pacemaker, Navi Heart Care Insurance policies will pay for the procedure. A pacemaker is a battery-operated device surgically inserted in your chest to control arrhythmia. A health expert or a doctor must certify the installation of the pacemaker.
A sub-limit is an additional restriction on the number of medical expenditures a heart care insurance plan will cover. Sub-limits are possible under heart health insurance plans, although they differ between insurers and insurance coverage. Before buying insurance online, please review the insurance keywords to determine the sub-limits that apply to your heart attack insurance coverage.
Navi Heart Care Insurance covers serious heart issues, including cardiovascular health checkups. The sum covered under this insurance can range from ₹2 lakh to ₹1 crore, and you have the option of paying your premiums in EMIs starting at ₹235 per month. Navi Health Insurance covers pre- and post-hospitalisation charges, diagnostic costs, health care costs, and more.

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