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It has been rightfully said that the body is a well-oiled machine. The heart is the major organ that controls the functions of other organs. When you indulge in unhealthy lifestyle, a constant pressure on heart leads to functional deformity of heart. Due to rising medical expenses, people often tend to ignore regular check-ups, tests, and doctor visits. All these factors, in due course, impacts adversely not only your health but your finances as well. Here cardiac health insurance plays an important role in keeping your heart and finances healthy.
Care Heart Health Insurance is one such plan that offers coverage to the people with pre-existing heart conditions. Keep reading to explore the benefits of investing in this specific heart care insurance policy.
Amazing Features of Care Heart Insurance
The policy strives to provide coverage for quality and cost-effective heart care with lifelong renewability option. Some of the USPs of this policy are as mentioned below:
- The policy offers comprehensive coverage for the persons with specific pre-existing heart ailments.
- There is no upper age entry limit and the policy is available for lifetime renewal.
- There is no pre policy medical test required for availing the policy.
- No Claim Bonus up to 50%
- Automatic Recharge of Sum Insured
- Option to choose sum insured from 3L/5L/7L/10L
- Avail cashless treatment at 22100+ network healthcare providers
Care Heart Coverage Benefits
Congestive heart failure is a chronic, incurable condition where heart muscles are unable to contract or fill up the heart with blood. Hence, a long-term investment is required in heart care with coverage benefits that go beyond hospitalisation. Some important benefits that Care Heart offers are listed below:
1. In-patient Care Benefits
The policy will take care of all the related expenses including room charges, doctor consultation, oxygen, surgeon’s fee, ICU, OT, laboratory tests, and medications up to the sum insured.
2. Daycare Treatment Coverage
This policy also covers almost 540 or more daycare procedures that involve less than 24-hour hospitalisation like pediatric surgery, neurology, oncology, etc.
3. Pre and Post-Hospitalisation
The best treatment for congestive heart failure can only be provided if your policy covers your expenses for both pre and post-hospitalisation for a considerable amount of time. Care Heart policy covers expenses for 30 days before and 60 days after hospitalisation.
4. AYUSH Treatments
A unique feature of this policy is that it will also cover alternative medical treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy, up to a specified amount.
5. Ambulance Expense
You need not worry about reaching the hospital on time in emergencies. The policy even covers the ambulance costs per hospitalisation up to a specific amount.
6. Coverage for Domiciliary Treatment Cost
If the insured is unable to avail treatment at hospital due to the mobility issues and the same has been advised to be done at home, the policy will cover the expenses up to the sum insured for period exceeding 3 days.
7. No Claim Bonus
For not claiming the policy, you will be entitled for availing no claim bonus which increases the sum insured up to 50%.
8. Cardiac Health Check-up
As a part of a comprehensive package for heart care, preventive health check-ups are also included in the policy once a year.
9. Care Heart for Advanced Treatment
If you want something exclusive for your heart care, Care heart has got you covered. It covers advanced treatments like Robotic Surgeries Balloon Sinuplasty, Intra vitreal injections etc.It even covers pre-existing conditions subject to certain terms and conditions. The additional benefits of no claim bonus and lifelong renewability are also available.
Note: This list is not exhaustive. For complete list of benefits, kindly refer to the policy document.
Optional Benefits under Care Heart Insurance
The policy comes with optional benefits which can be availed by paying an extra premium. These include:
Home Care
If you are required to hire a qualified nurse as per your doctor's recommendation, the policy will cover the expenses up to a specified limit.
Care Shield
Care Heart policy has 3 shields or benefits. Claim Shield cover costs for 68 non-communicable items. With NCB Shield if the claim amount is <25% of the sum insured, the accrued NCB will not be reduced. An Inflation Shield protects you from the ever-growing inflation rate as the base policy sum insured increases on cumulative basis of inflation rate in previous year.
Care OPD
You will be covered for general physician consultation as well as specialist consultation with a maximum amount of 500 per consultation. The 14 specialist consultations include:
- Paediatrician
- Obstetrics and Gynecologist
- Homeopathic Physician
- Dietician
- Diabetologist
- Dermatologist
- Pulmonologist
- Psychiatrist
- Cardiologist
- Neurologist
- Orthopedic Surgeon
- Nephrologist
- Gastroenterologist
- ENT specialist
You can also download the Care mobile app for unlimited online consultations with General Physicians.
To Wrap Up
It is not sufficient to just take care of your health through exercise and the right diet. Investment in the right health policy goes a long way, especially for your heart care. Hence, it is essential to know which policy to choose as you have too many options in the market. Care Heart policy provides you with customised options that help you to make informed decisions during emergencies without worrying about burning a hole in your pocket. The earlier you start, the better it is for yourself and your loved ones. Do check out further details on the Care Health website and invest now for a confident and healthy you.
Disclaimers: The above information is for reference purposes only: Policy Assurance and Claims at the underwriter’s discretion.
