Is there any sub-limits in the coverage?

Yes. Sub-limits are applicable on room rent, ICU charges, treatment of Cataract and treatment of Total Knee Replacement. Do refer policy T& C

Is there any sub-limits in the coverage?

Yes. There are sub-limits applicable on room rent, ICU charges, treatment of cataract, and treatment of Total Knee Replacement. Do refer to the policy T&C.

Is there a co-payment clause in the policy?

Yes. We have a co-payment clause in the policy. The policyholders will have to bear a certain percentage of every claim amount from their pocket. Please refer to the policy T&C.

What are the conditions when a person can opt for care heart?

Undergone first time PTCA/CABG within 7 years period prior to commencement, Corrected Artrial Septal Defect(ASD) or Ventricular Septal Defect, Corrected Patent Ductus Arteriosous(PDA), Cardiac conditions cured through RF Ablation, Angiogram but no medical intervention after test

What are our outright rejections?

Cancers, Disorders of the Brain and Spinal Cord and Meninges - Stroke/Haemorrhage/CVA, Any type of Paralysis of hand/legs/body (not polio), Multiple sclerosis, Parkinsonism, Alzheimers disease, Epilepsy or Seizure disorder, Brain tumours, any disorder causing spontaneous or continuous body movement or failure to maintain balance (ataxia/chorea), Neuromuscular Disorders - Any disorder causing muscle/nerve cell wasting / Loss of movement /Abnormal movement - Motor neurone diseases, Muscular dystrophies, Cerebral Palsy, Psychiatric Disorders, Chronic Lung Diseases: COPD (chronic obstructive Pulmonary Disease), ILD (Interstitial Lung Disease), Chronic Liver Disease: Hepatitis B, C, Chronic Hepatitis, Cirrhosis, Liver failure, Chronic Kidney Diseases: Diabetic and hypertensive Kidney disease, Nephrotic and Nephritic syndrome, Kidney Failure, Polycystic kidney, Pancreatitis, Disorders of Immunity or Autoimmune Disorders: Systemic Lupus Erythematous, Rheumatoid Arthritis, Ankylosing Spondylitis, Inflammatory Bowel Disease, Disorders of the Pituitary, Adrenal and Parathyroid glands or any disorder causing growth and mental retardation, Disorders of Blood: Haemolytic disorders - Example-Sickle cell disease, Thalassemia major, Spherocytosis / Disorders of coagulation/clotting - Example-Haemophilia / Disorders of bone marrow, AIDS/HIV positive or any sexually transmitted diseases

What is the waiting period for heart insurance?

Care Heart has a 30-day initial waiting period and a waiting period of 24 months for pre-existing diseases and specified ailments.

Why do I need Care Heart health insurance policy?

Alarmingly, cardiovascular diseases are increasing in our country, affecting the young and elderly alike. An unforeseen event like emergency hospitalization can severely impact a family’s finances. Thus, Care Health Insurance offers Care Heart, a specific heart care insurance policy designed to cover prolonged medical treatment expenses, thus helping you lead a healthy life.

Is there any eligibility criteria for purchasing this policy?

Any individual above 18 years of age can opt for the Care Heart policy without any restriction on maximum entry age. The policy offers lifelong coverage.