People dealing with heart conditions need special and immediate care. Since the slightest of carelessness can lead to a critical medical condition, heart patients need constant care. Here come healthcare services, addition to your insurance coverage, that play an important role in recovery phase. Considering the growing importance of these services, Care Health Insurance has introduced its heart mediclaim policy with some unique healthcare services tailor-made for once diverse needs. Let’s know more about this plan along with these services.
Health care services are additional services available to provide constant support in managing a heart condition. Care Heart Mediclaim provides these health services as a part of their inbuilt coverage. It is an indemnity policy that provides coverage for 16 major heart ailments as listed in the policy. The plan offers a sum insured up to ₹ 1 crore ensuring comprehensive coverage in the time of need. Here is a list of health care services and benefits offered under the plan.
A heart condition requires constant monitoring and consultations. Hence, the heart mediclaim plan covers outpatient doctor’s consultations up to 1 % of the sum insured; maximum up to INR 25,000.
Preventive care is important to treat heart conditions. Diagnostic tests including tests like ECG, stress tests, CT scan etc. are covered under the plan on an outpatient basis up to the specified limit. Such tests can help identify a heart condition at an early stage and avail necessary treatment to reverse it.
Pharmacy expenses are also covered under OPD care. It includes the cost of medicines prescribed by the consulting doctor for managing heart disease.
If a patient is undergoing trauma after cardiac surgery or hospitalisation, the plan covers counselling for quick recovery on a face-to-face basis. Such sessions can be availed 8 times post hospitalisation, where up to INR 1000 per session cost is covered.
If required, an online or telephonic doctor consultation is also covered under the plan. Such a service is available for patients seeking medical advice related to a heart issue.
Care Health Insurance provides easy access to health-related information on the company’s website. Through its health portal, you can avail of services like health risk assessment, doctor on chat, OPD discounts, and diagnostic and pharmacy services through network providers.
Global coverage is also covered up to the sum insured for sum insured of more than ₹ 1 cr. It allows you to avail planned treatment outside India up to the specified limit.
Care Health Mediclaim offers multiple benefits including:
1. Hospitalisation Expenses: Patients with heart ailments may require hospitalisation. Care Heart mediclaim provides coverage for in-patient hospitalisation expenses associated with room rent, nursing charges, ICU, OT, laboratory charges etc. for a minimum of 24 hours of hospitalisation.
2. Day Care Treatments: These are treatments which require less than 24 hours of hospitalisation.. Many procedures for heart issues can be done within a day. Such procedures are covered under daycare treatments subject to policy terms and conditions.
3. Cardiac Surgeries: A wide range of cardiac surgeries such as angioplasty, bypass surgery, etc. are covered under the plan. These are crucial and expensive surgeries that cannot be avoided. With heart mediclaim cover, you can undergo any cardiac surgery listed in the policy without worrying much about finances.
4. Pre and Post-Hospitalisation Care Expenses: Care heart health services also include medical expenses preceding hospitalisation like check-ups and diagnostic tests. It also covers post-hospitalisation recovery care expenses as per the time specified in the policy.
5. Emergency Ambulance Service: Reaching the hospital on time can save the life of a patient undergoing a medical emergency. Care heart mediclaim covers the ambulance service costs during medical emergencies up to the limit specified in the policy.
6. Organ Donor Cover: In case a patient needs a heart transplant surgery, organ donor cover is also available up to a maximum of ₹ 15 lakhs under the plan subject to policy terms and conditions.
7. Second Opinion: It is available for 15 specified critical illnesses once per policy year as per the limit specified in the policy.
The below benefits make this plan unique and ideal for heart patients:
1. Specialised Heart Coverage: The plan provides coverage specially designed for heart diseases keeping in mind the unique and diverse needs of a heart patient. The coverage is not just limited to hospitalisation expenses but provides OPD coverage along with a range of unique health services.
2. High-sum Insured Options: Considering the high costs of medical treatments for heart ailments, the plan offers high sum insured options up to ₹ 1 crore, so that you get extensive coverage for all kinds of heart-related procedures and treatments.
3. Affordable: The plan provides a range of benefits and services at affordable premiums offering great value to the policyholders.
4. Cashless and Reimbursement Facility: The plan allows the policyholder to avail treatment through cashless as well as reimbursement facility. You can either get cashless treatment at a network hospital or you can avail reimbursement facility at a non-network hospital through 24*7 claim support.
Care heart mediclaim policy stands out as the best heart mediclaim for heart patients undergoing the challenges of managing a heart condition. With its comprehensive coverage and a vast list of health services, it supports you financially, while you prioritise your heart health. If you are yet to buy a policy then consider our heart mediclaim and stay covered.
>> Also Read: List of 16 Ailments Covered in Care Heart Mediclaim
Disclaimers: All plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.
Published on 12 Dec 2024
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