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Best Coronary Artery Bypass Surgery Health Insurance Policy In India

Updated On Apr 21, 2021

Coronary Artery Bypass Grafting (CABG) is a surgery which improves blood flow to the coronary arteries and indirectly to the heart muscles. It is recommended to the guys with severe coronary blockage. Without medical insurance policies that provide the needed financial support, it is often difficult to sail through the tough times of medical emergencies.

Top 10 Coronary Artery Bypass Surgery Insurance Plans In India

Taking a good insurance policy could be a tough call, so the table given below 10 best plans:

Plan Name Entry Age  Sum  Assured 
HDFC ERGO General Insurance- Critical Illness 5-65 years Rs. 1 lakh - Rs.5cr
New India Assurance Global Mediclaim 18-65 years Rs. 8lakh and above
Max Bupa Health Insurance- Criticare- Critical Illness Insurance 18-65 years Rs. 3lakh- Rs. 2cr
Future Generali- Critical Illness Insurance 18-65 years Rs. 1lakh- Rs. 50lakh (age 18-45 years)
Rs. 1lakh- Rs. 20lakh (age 46-65 years) 
ManipalCigna Health Insurance- Lifestyle Protection Critical Care 18-65 years Rs. 1lakh - Rs.25cr
Care Health Insurance- Critical Illness 18years -No limit Rs. 3lakh - Rs. 10 lakh
Aditya Birla Health Insurance- Active Secure Critical Illness  5-65 years Rs. 1lakh - Rs.50 lakh
Bajaj Allianz- Critical Illness Insurance Adult: 18 - 65 years Rs.1 lakh- Rs. 50lakh
Child: 6 - 21 years
Bharti AXA General Insurance-SmartHealth Critical Illness 5 - 55 years Rs. 1lakh - Rs.4 lakh
Chola MS General Insurance- Critical Healthline 5 - 65 years Rs. 3lakh - Rs. 10 lakh

Let’s read about the top 10 CABG health insurance plans in detail:

1.HDFC Ergo Critical Illness Policy

This policy ensures that the insurer gets coverage with benefits like:

  • No screening below 45 years
  • Lifetime renewability
  • Lump-sum payment
  • 30 days waiting period. 

2.New India Global Mediclaim Policy

Any person with a sum insured of 8 lakhs and above can avail the following benefits:

  • Lump-sum payment post 90 days treatment
  • Second medical opinion
  • Travel cost coverage for international treatment, etc.

3.Criticare Critical Illness Insurance Policy

It covers 20 critical illnesses like cancer, open chest CABG, etc with benefits like:

  • 100% sum insured  
  • Lifetime renewability
  • Direct claim settlement.

4.Future Generali Critical Illness Insurance

If you are thinking of going for this policy, then this policy renders benefits like: 

  • Lump-Sum benefit after a waiting period of 90 days from purchase of policy.  
  • Gives a floater benefit for 2 children until 25 years.
  • A grace period of 30 days.

5.ManipalCigna Lifestyle Protection Critical Care

A joint initiative covering 30 major illnesses and rendering benefits like: 

  • Lump-sum paid on first diagnosis post 90 days waiting
  • Option for annual premium on 2 or 3 years policy
  • 10% benefit on opting staggered claim payment.

6.Care Critical Illness Insurance Plan

A specialized health insurer offering quality health care to individuals with

  • Lifelong Renewability
  • Inpatient hospitalisation and pre and post hospitalisation cover
  • Ambulance, ICU, organ donor cover

7.Aditya Birla Active Secure Critical Illness

It covers the financial aspect of any critical illness which manifests within policy tenure and gives

  • Up to 21% health returns
  • 100% sum insured with lump sum payout on diagnosis
  • Second e-opinion with cashless treatment at home, lifestyle support, etc.

8.Bajaj Allianz Critical Illness Insurance Policy

Their expertise lies in providing customer-centric financial aid with benefits like

  • Portability
  • Donor expenses and cover for treatment abroad.
  • 100% payout. 

9.Bharti AXA SmartHealth Critical Illness Insurance Plan   

Policy provides a comprehensive approach to tackling critical illnesses with benefits like:

  • Annual health checkup
  • Pre and Post hospitalisation
  • Cashless hospitalisation, etc.

10.Cholamandalam MS Critical Healthline Plan

Intending to improve access to critical care, policy waives off pre-medical screening below 55years with benefits like:

  • Ambulance cover
  • Flexi-payouts option
  • 30 days waiting period.

Please note that Angioplasty or any other intra-arterial procedures need not necessarily be covered under all of the above policies. It's a wise move to subscribe to a critical health insurance plan after going through the inclusions and exclusion thoroughly. 

You May Also Like To Read: Covid-19 Health Insurance Policies

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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