Cardiac Risk Checks Drive Up Insurance Costs, Even for Young Buyers

• Cardiac risk assessments are reshaping insurance pricing in India, impacting younger buyers.
• One in three cardiac claims in 2025 exceeded Rs 1.25 lakh; nearly 10% were severe, often over Rs 5 lakh.
• Plum's study of 9,534 claims and 12,000+ checkups found 60% of heart claims involve surgery, increasing costs.
• Heart disease is now a risk starting in the 20s, with 46% of chronic disease claims being cardiac.
• Insurers now factor in cholesterol, blood pressure, and metabolic markers, leading to higher premiums or rejections for 1 in 3 applicants.