Policy snapshot
A critical illness plan focused on heart-related events and procedures.
What is Heart / Cardiac Care Insurance Plan?
Heart or Cardiac Care Plans offer financial support on diagnosis or treatment of specified heart conditions and procedures.
What can it cover?
- Lump sum payout for listed cardiac events
- Coverage for procedures like bypass surgery, angioplasty etc. (as per policy)
- Stage-based payouts in some variants
Who should consider it?
- Individuals at higher cardiac risk
- People with stressful or sedentary lifestyles
Key features to understand
- Focused protection for heart-related events
- Works alongside base health and term insurance
What deserves attention before you buy?
Coverage, exclusions, sub-limits, deductibles, waiting periods, warranties and underwriting can vary between insurers and policy versions. The policy wording and schedule remain the definitive contract. Novo can help you review the relevant terms for your requirement.
Read the wording, not just the brochure
The schedule and policy wording determine the actual contract.
Compare meaningful differences
Look at exclusions, limits, deductibles, conditions and claim requirements—not premium alone.
Think beyond purchase
Servicing and claims-related support can matter as much as placement.
Frequently asked questions
Coverage is strictly as per defined events and severities in policy wording.