Hidden Heart Tax: Young Indians Face Soaring Insurance Premiums Due to Early Cardiac Risk

• Plum Insurance analysis reveals silent cardiovascular risk in young adults (20s-30s) is driving health insurance premiums and eligibility.
• Heart disease, traditionally an older-age condition, is now a costly concern for younger Indians, impacting finances even before symptoms.
• One in three cardiac claims costs more than double the median, with severe episodes exceeding ₹5 lakh and 60% involving surgery.
• Cardiovascular conditions account for 46% of chronic non-communicable disease patients, nearly double cancer (24%).
• Critical hospitalizations can wipe out over a decade of savings (₹25–28 lakh), while mild episodes average ₹38,000.