What is the Estimated Cost of Open Heart Surgery?
Open-Heart Surgery Costs in India: What You Should Know
If you are considering open-heart surgery for yourself or your loved ones, we are here to navigate you through the financial aspects of the surgery with care and clarity. Among the latest treatments, open-heart surgery in India offers multiple advantages over conventional bypass surgery.
However, most basic health insurance does not cover the surgical expenses. Read ahead to understand the cost of open heart surgery and how to select the best policy tailored to your specific needs.
What is the Average Cost of Open-Heart Surgery in India?
The following table summarises the expenditure of some of the basic surgical procedures.
| Surgical Procedure | Average Cost |
| Basic Heart Surgery | ₹1.5 to ₹5 Lakhs |
| Coronary Artery Bypass Graft | ₹2.75 Lakhs |
| Device Implantation | ₹3 Lakhs |
As the surgical procedure becomes more complicated, the expenses also increase. Moreover, basic health policies usually tend to exclude these expenses. People need a specialized policy that would cover these hefty expenses as well.
Fortunately, Star Health can help alleviate the financial burden. The Star Health Cardiac Care Platinum Policy covers all major expenses for an open-heart surgery. We also offer hassle-free claim settlements with reduced turnaround time across over 14,000 network hospitals in India.
What are the Common Open-Heart Surgeries in India?
The modern lifestyle has increased the incidence of heart ailments. Surgeons perform around 60,000+ open-heart surgeries annually across the country. Some of the common open-heart surgeries include:
1.Coronary Artery Bypass Graft (CABG)
It is undoubtedly one of the most common types of open-heart surgery performed across the nation.
2.Heart Valve Replacement or Repair
This procedure involves replacing or repairing a heart valve with a prosthetic valve.
3.Implantation of Pacemaker or Cardioverter Defibrillator (ICD)
To correct the irregular rhythm of the heart (arrhythmia), doctors can either implant a pacemaker in the heart muscle or prescribe medications for less serious patients.
4.Heart Transplant
In cases of severe conditions, medications and devices may not be effective. In such a scenario, the doctors usually replace the damaged heart with a healthy heart from a deceased person.
5.Pericardiectomy
It is quite a complex surgery which involves the removal of the pericardium, the outer covering of the heart.
6.Total Artificial Heart or Ventricular Assist Device Implantation Surgery
This offers an alternative to a heart transplant and is a good option for those who cannot undergo a transplant.
Why Should You Choose Star Cardiac Care Platinum Policy?
This policy provides comprehensive coverage for individuals with a history of, or at risk of, cardiac illnesses. It offers financial protection for treatments like surgeries, rehabilitation, and related expenses, ensuring a hassle-free experience.
The major plus points for the policy are presented in the table below:
| Policy Essentials | Benefits |
| Sum Insured | The options for the sum Insured include ₹5,00,000, ₹7,50,000, ₹10,00,000, and ₹15,00,000. |
| Cumulative Bonus | 10% of the original sum insured is repaid as a cumulative bonus for each claim-free year up to a maximum of 100% of the Sum Insured chosen. |
| Cardiac Devices | Expenses incurred for cardiac implantations, such as pacemakers, CRT-Ds, and AICDS, are covered up to 50% of the Sum Insured. |
| Heart Transplantation | Expenses incurred for the harvesting and transportation of the heart, whether by road or air, are covered up to 200% of the original Sum Insured. |
| Policy Term | One, two, or three years. |
| Instalment Options | Half-Yearly, quarterly, annual, biennial, or triennial. |
Note: For additional details, please contact your nearest Star Health Agent or explore our policy options here.
Why Should You Choose Star Health Insurance?
The Star Health Insurance policies offer a significant advantage over other policies in the market, such as:
- Wide Range of Hospitals: The policies are valid for a cashless claim across over 14,000 hospitals nationwide.
- Prompt Approval Rates: Approximately 97% of cashless claims are approved within 3 hours of submission.
- Network of Branch Offices: There are around 850+ branch offices available across India.
- High Settlement Rates: Over 1 crore claims have been settled since inception.
Open-heart surgery can put a strain on your finances due to its high expenses. That’s why having a health policy alleviates the expenditures when opting for the best treatment. At Star Health, you can explore a variety of policies and choose the one that suits you the best.
Also Read:
→ What is the Average Cost of Cataract Surgery
→ What is the General Cost of Laparoscopic Surgery
→ How Much Does Rhinoplasty Surgery Cost in India
→ What is the Cost of Limb Lengthening Surgery in India
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This FAQ page contains information for general purpose only and has no medical or legal advice. For any personalized advice, do refer company's policy documents or consult a licensed health insurance agent. T & C apply. For further detailed information or inquiries, feel free to reach out via email at marketing.d2c@starhealth.in