11 months ago
Young Indians Lag in Cardiac Insurance Amid Rising Risks
World Heart Day highlights the importance of heart health.
In India, heart problems are starting earlier, but not enough young people have insurance to cover them.
Many young adults prioritize other things like travel or homes before insurance, and often think it's too expensive.
However, getting insurance early can actually make it cheaper and protect you from high medical bills.
Insurance companies are making policies more attractive by including wellness rewards and modern features like digital health tracking to encourage healthier lifestyles.
World Heart Day raises awareness about heart health and prevention.
Cardiac risks are increasing, yet insurance uptake among young Indians is low.
Young adults often prioritize short-term goals over health insurance.
Early adoption of insurance offers lower premiums due to healthier risk profiles.
Insurers provide features like wellness incentives to make plans more appealing.
- Who
- Young adults in India.
- What
- The need for cardiac insurance and its importance.
- Where
- India.
- When
- World Heart Day.
- Why
- To address the low adoption of health and cardiac insurance among young adults despite rising health risks.
Key facts
- Observed Day
- World Heart Day
- World Heart Day Date
- September 29
- Cardiac Arrests Before 40
- 50%
- Early Heart Disease Risk
- Indians experience heart disease 33% earlier than other populations
- GST on Health Insurance
- Reduced to 0%
Quotes
Vijay Sankaran
Chief Claims Officer, Medi Assist
“Millennials and Gen Z often focus on short-term financial goals like education, travel, or home ownership, pushing health insurance down the priority list.”
CNBC TV 18
“Coverage that integrates preventive care and rewards for healthy behavior transforms insurance from a financial obligation into a lifestyle choice.”
CNBC TV 18
G. Srinivasan
MD & CEO, Galaxy Health Insurance
“Many under-35s perceive themselves as invincible, underestimating chronic conditions like cardiac diseases. However, health claims among 25–35-year-olds are increasing, reflecting the importance of early coverage.”
CNBC TV 18
Ashish Yadav
Head of Products and Operations, Manipal Cigna Health Insurance
“About 50% of cardiac arrests occur before 40, and Indians tend to experience heart disease almost 33% earlier than other populations. Lifestyle factors, stress, and dietary habits are accelerating these risks.”
CNBC TV 18
Siddharth Singhal
Head of Health Insurance, Policybazaar
“New-age plans provide comprehensive protection for pre-existing heart conditions, including post-surgery care and Day-1 coverage after a short waiting period, giving young adults peace of mind while managing financial risk.”
CNBC TV 18
