INCOME TAX30 Sept 2026
Cardiac treatment can cost lakhs: What policyholders should check before buying health insurance for heart care | Mint
Buying health insurance for heart care needs more than a big sum insured. Experts say policies often cap advanced cardiac procedures, medical devices, sub-limits and room rent, and waiting periods can delay cover. Younger employees on small group covers of ₹2 lakh to ₹3 lakh may face large bills. Check your policy wording for cardiac procedures and device cover before you buy.
Key Statutory Highlights
- A policy may have a ₹10 lakh sum insured but a ₹5 lakh sub-limit on cardiac procedures, so on an ₹8.5 lakh bill the insurer pays ₹5 lakh and you pay ₹3.5 lakh.
- Standard policies cover basic open-heart surgery, but advanced or minimally invasive cardiac procedures and devices like pacemakers and ICDs need clear confirmation in the policy wording.
- Many employees under 40 depend on group health cover of only ₹2 lakh to ₹3 lakh, which may fall well short of actual heart treatment costs.
Actionable Advice for Taxpayers / Founders:Before you buy or renew a health policy, ask your insurer in writing whether advanced cardiac procedures and devices are covered, and note the sub-limits, room-rent terms and waiting periods that could raise your out-of-pocket cost.
Statutory Disclaimer: TaxQue Shorts are AI-assisted editorial briefs for compliance awareness. This brief has not passed every source check; confirm the original notification before acting. This does not constitute formal legal or CA counsel.
TaxQue News Desk
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