Heart Surgery Costs ₹25L: Is Your Policy Enough?

Cardiac treatments like bypass surgery or stent implants can cost ₹15–25 lakh. Before buying health insurance, check for sub-limits on devices, waiting periods for heart conditions, and room-rent caps — or your claim may fall short.

Here's what happened: Cardiac procedures like bypass surgery, angioplasty, and pacemaker implants routinely cost ₹15–25 lakh at private hospitals, making standard ₹5L policies dangerously inadequate.. Many health insurance policies impose separate sub-limits on cardiac devices (stents, valves, pacemakers), meaning the insurer pays only a fixed cap regardless of actual cost.. Pre-existing heart conditions, high BP, and diabetes typically attract 2–4 year waiting periods, leaving new policyholders exposed if a cardiac event occurs early..

What you should do: Call your insurer or check your policy document for device sub-limits — ask specifically what the cap is for coronary stents, pacemakers, and heart valves.. Compare super top-up plans that kick in above your base cover — a ₹20L super top-up on a ₹5L base can cover a major cardiac event at a much lower annual premium.. Disclose all pre-existing conditions honestly at the time of buying — non-disclosure leads to claim rejection at the worst possible moment, not just a higher premium..

Choose a policy with 'no sub-limits on consumables and devices' — some insurers like Niva Bupa and Care Health offer this explicitly; always demand it in writing before buying.

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