Cost in Delhi NCR
Elective Cardiac Surgery cost in Delhi NCR
Elective Cardiac Surgery in Delhi NCR costs about ₹4,20,000, our typical NCR package (estimate, exact quote via us). Of the 13 policies we read, 4 state a waiting period for it of 90 days. What you pay depends on your room, co-pay and plan, so we work it out from your own policy.
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Key facts
- Typical NCR package: ₹4,20,000 (estimate, checked 28 Sep 2026)
- Waiting period on the 4 policies that state one: 90 days (policy wordings, read 28 Sep 2026)
- Policies with a sub-limit for this procedure: 0 of 13 (read 28 Sep 2026)
- Hospitals in our Delhi NCR list that offer this: 40
What moves the price
- Room category. On a policy with a room rent limit, a room above the limit also cuts what the insurer pays on doctor and OT charges, in the same ratio. A room within your limit avoids that cut.
- Days in hospital. Each extra day adds room rent, nursing, medicines and tests.
- Implant or devices. Where the procedure uses one, the make and type of implant can move the bill more than any other head.
What each policy we have read says about it
| Insurer | Policy | Waiting period | Sub-limit | Source |
|---|---|---|---|---|
| Aditya Birla | Activ Health (Platinum Enhanced) | No procedure-specific waiting period found in the wording; general waiting periods apply | None found in the wording | No matching clause |
| Aditya Birla | Activ One (NXT) | No procedure-specific waiting period found in the wording; general waiting periods apply | None found in the wording | No matching clause |
| Bajaj Allianz | Health Guard | No procedure-specific waiting period found in the wording; general waiting periods apply | None found in the wording | No matching clause |
| HDFC Ergo | Optima Secure | No procedure-specific waiting period found in the wording; general waiting periods apply | None found in the wording | No matching clause |
| National Insurance | Mediclaim Plus | 90 days of continuous cover. A lifestyle-conditions wait for hypertension, diabetes and cardiac conditions. Not applicable to accidents. A pre-existing condition has the 36-month wait instead | None found in the wording | Policy wordings, page 8 |
| New India | Mediclaim 2012 | 90 days of continuous cover. For hypertension, diabetes and cardiac conditions | None found in the wording | Policy wordings, page 20 |
| New India | Yuva Bharat | 90 days of continuous cover. For hypertension, diabetes and cardiac conditions | No sub-limit | Policy wordings, page 25 |
| SBI General | Super Health | 90 days of continuous cover. For hypertension, diabetes and cardiac conditions, unless they were pre-existing and disclosed when you bought the policy | None found in the wording | Policy wordings, page 20 |
| Star Health | Assure | No procedure-specific waiting period found in the wording; general waiting periods apply | None found in the wording | No matching clause |
| Star Health | Comprehensive | No procedure-specific waiting period found in the wording; general waiting periods apply | None found in the wording | No matching clause |
| Tata AIG | Medicare Plus | No procedure-specific waiting period found in the wording; general waiting periods apply | None found in the wording | No matching clause |
| Tata AIG | Medicare Premier | No procedure-specific waiting period found in the wording; general waiting periods apply | None found in the wording | No matching clause |
| United India | Family Medicare | No procedure-specific waiting period found in the wording; general waiting periods apply | None found in the wording | No matching clause |
Hospitals we check
We have checked 40 hospitals in Delhi NCR that offer elective cardiac surgery: Delhi 15, Gurugram 10, Faridabad 6, Noida 6, Ghaziabad 3. We hold no hospital-level prices yet, so this page shows the typical package only.
Questions
Is elective cardiac surgery covered under insurance?
On the 13 policies we have read, elective cardiac surgery is covered, with a waiting period of 90 days on the 4 that state one. Your own policy schedule decides, so check its waiting periods.
Check your own policy
Send your policy on WhatsApp. A person reads it and works out what your stay would cost you before you are admitted.
A person replies, not a bot. Free for you.
Sources
- Aditya Birla Activ Health (Platinum Enhanced): policy wordings (accessed 28 Aug 2026)
- Aditya Birla Activ Health (Platinum Enhanced): customer information sheet (cis) (accessed 28 Aug 2026)
- Aditya Birla Activ One (NXT): policy wordings (accessed 28 Aug 2026)
- Aditya Birla Activ One (NXT): customer information sheet (cis) (accessed 28 Aug 2026)
- Bajaj Allianz Health Guard: policy wordings (accessed 27 Sep 2026)
- Bajaj Allianz Health Guard: customer information sheet (cis) (accessed 28 Aug 2026)
- HDFC Ergo Optima Secure: policy wordings (accessed 28 Sep 2026)
- HDFC Ergo Optima Secure: customer information sheet (cis) (accessed 28 Sep 2026)
- National Insurance Mediclaim Plus: policy wordings (accessed 27 Sep 2026)
- National Insurance Mediclaim Plus: customer information sheet (cis) (accessed 27 Sep 2026)
- New India Mediclaim 2012: policy wordings (accessed 27 Sep 2026)
- New India Mediclaim 2012: customer information sheet (cis) (accessed 27 Sep 2026)
- New India Yuva Bharat: policy wordings (accessed 27 Sep 2026)
- New India Yuva Bharat: customer information sheet (cis) (accessed 27 Sep 2026)
- SBI General Super Health: policy wordings (accessed 28 Sep 2026)
- SBI General Super Health: customer information sheet (cis) (accessed 28 Sep 2026)
- Star Health Assure: policy wordings (accessed 28 Sep 2026)
- Star Health Assure: customer information sheet (cis) (accessed 28 Sep 2026)
- Star Health Comprehensive: policy wordings (accessed 27 Sep 2026)
- Star Health Comprehensive: customer information sheet (cis) (accessed 28 Aug 2026)
- Tata AIG Medicare Plus: policy wordings (accessed 28 Aug 2026)
- Tata AIG Medicare Plus: customer information sheet (cis) (accessed 28 Aug 2026)
- Tata AIG Medicare Premier: policy wordings (accessed 28 Aug 2026)
- Tata AIG Medicare Premier: customer information sheet (cis) (accessed 27 Sep 2026)
- United India Family Medicare: policy wordings (accessed 27 Sep 2026)
- United India Family Medicare: customer information sheet (cis) (accessed 27 Sep 2026)