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Heart Health Insurance

Buy Health Insurance for Heart Patients

Care Heart health insurance has got you covered if you are diagnosed with a cardiac ailment or have undergone surgery in the past. Acquiring heart insurance beforehand saves you from paying hefty hospital bills in an emergency.

  • Pre & Post Hospitalization
  • Lifelong Renewability
  • Cardiac Annual Health Check-up
  • Only 2 years waiting period for pre-existing ailments
Cashless Healthcare Providers^^
48 LAKH+
Insurance Claims Settled**
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What is Care Heart Insurance?

Care Health Insurance offers a health insurance for heart patients that offers comprehensive coverage to people with cardiac ailments or someone who has undergone a Cardiac surgery or medical procedure related to the heart. Care Heart reflects our commitment to offering access to Quality Healthcare to people suffering from pre-existing cardiac ailments/disorders and who have undergone cardiac surgery/procedures. So, the best mediclaim for heart patients, like Care Heart will help you in the long run and provide lifelong renewability.

Features & Benefits of Care Heart: The Health Insurance for Your Heart

Heart ailments may cause health discomforts and even pinch your pocket! Thus, Care Heart is designed to meet the criteria for the best health insurance for heart patients. The plan offers comprehensive coverage through the following features:

benefits of securing family health insurance benefits of securing family health insurance

Cashless Hospitalisation- Protect your health & finances by getting treatment across our 24800+ cashless healthcare providers’ network.

Cardiac Health Checkup- Keep track of your heart health by getting cardiac health checkups yearly under the care heart plan.

Lifelong Coverage- The lifelong renewability feature allows you to continue the policy through regular renewal.

Coverage for Alternate Treatments- You are covered for a combination of conventional and alternative treatments, such as AYUSH, so you can opt for Alternative methods for a speedy recovery.

Domiciliary Hospitalisation Coverage- We pay medical expenses incurred during your treatment at home for a period exceeding three consecutive days.

Why Should You Buy a Care Heart Health Insurance Policy?

Even though family health insurance plans are adequate to protect your family’s health and finances, specialised heart insurance becomes prudent if you or a loved one has a heart ailment.

Cardiovascular diseases are increasing alarmingly in our country, affecting the young and the elderly alike! In most cases, heart and blood vessel abnormalities, such as high blood pressure, diabetes, and cholesterol issues, cause a surge in cardiovascular diseases.

Thus, Care Health Insurance offers Care Heart, a specific heart care insurance policy designed to cover prolonged medical treatment expenses, helping you lead a healthy and stress-free life.

Types of Heart Covers by Care Health Insurance

Care Health Insurance offers heart health insurance, heart mediclaim, and operation insurance to cover the finances that may be spent on heart-related issues. Know more about the plans by clicking on the icons below!

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Look for best health plan that suits your need!

Product Image
Heart Health Insurance

Health Insurance that Covers Pre-existing Heart Ailments

  • 541+ Day Care Treatments
  • AYUSH Coverage
Product Image
Heart Mediclaim

Health Insurance Covering 16 Major Health Aliments

  • Cashless & Reimbursement Facility
  • Annual Cardiac health check-up
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Operation Insurance

Coverage for wide array of defined surgeries

  • In-Patient Care
  • Day Care Treatment

What is Covered under Care Heart Health Insurance?

With the surge in cardiac ailments in India and rising medical costs, it is necessary to have the best health insurance for heart patients. We at Care offer Care Heart to provide financial protection to your loved ones undergoing pre-existing heart illness. Below are the coverage benefits of our heart insurance-


In-patient Care

We provide coverage for room charges, doctor’s consultation, surgeon’s fee, anaesthesia, oxygen, etc., up to the sum insured if hospitalization exceeds 24 consecutive hours due to a covered illness or injury.


Daycare Treatment

Daycare procedures are the medical procedures that require hospitalisation of less than 24 hours. Care Heart covers 540+ daycare procedures including dialysis, oncology, pediatric surgery, etc.


Pre-and-Post Hospitalisation

A 30 days of pre and 60 days of post hospitalisation expenses incurred towards consultations, diagnostics, and medications are covered under this benefit.


Coverage for Alternate Treatments

A combination of modern and traditional treatments can help in a quicker recovery of the diseased individual. Thus, we offer coverage for AYUSH treatments up to specified limits.


Ambulance Expenses

Commuting the patient in an emergency can be expensive! Thus, we offer coverage for ambulance expenses up to a specified amount per hospitalisation.


Domiciliary Hospitalisation Coverage

In some cases, the insured will be recommended domiciliary care. We cover domiciliary treatment expenses up to 100% of the sum insured under specified conditions.


No Claim Bonus

For every claim-free year, we raise a cheer by adding a 10% increase in your sum insured as a no claim bonus! We ofer maximum up to 50% increase in sum insured for consecutive claim free years.


Annual Cardiac Health Checkup

We care for your heart, and as a preventive measure, we cover the cost of annual cardiac health checkup at our network labs as per policy terms.

What is Not Covered Under Care Heart Health Insurance?

Mediclaim policy for a heart patient covers major medical treatment expenses. However, some expenses are not covered, as listed under exclusions. They include expenses related to:

  • Self-inflicted injury (resulting from suicide, attempted suicide)
  • Alcohol or drug use, misuse, or abuse
  • Pregnancy and childbirth, miscarriage, abortion, and its consequences
  • Infertility treatment and in vitro fertilisation
  • Hospitalization due to war, riot, strike, nuclear weapons
  • External congenital diseases 

Voice Of Customer

Rohan Kumar December 01, 2023
Care Heart

Thank you

Miss. Priyanka attended my call at 1am. Got cashless hospitalisation, and also recharge got easy during my patients bypass surgery.
Rahul Sangwan

My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

Rahul Sangwan

Health Insurance

Samanway Barik

We will continue to avail of your scheme

I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

Samanway Barik

Health Insurance

Soubhagya K Kulkarni

Everything went very smooth

Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

Soubhagya K Kulkarni

Health Insurance

Vaibhav Rai

Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

Vaibhav Rai

Health Insurance

Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.


Awarded as Best
Health Insurance Company of the year^


48 LAKH+ Claims Settled*



^India Insurance Summit & Awards 2023

FAQS on Heart Health Insurance

Q. Can I buy health insurance after a heart attack?

Yes. Yes, you can buy Care Heart Health Insurance after a heart attack. Please carefully review the policy’s terms and conditions to understand inclusions and exclusions.

Q. Is there any sub-limits in the coverage?

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

Q. 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 to know more.

Q. Is Care Heart health insurance for pre existing heart disease?

Yes, it is for those who already have pre-exisitng heart disease.

Q. 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 Arterial 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

Q. 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.

Q. Is there any eligibility criteria for purchasing a cardiac health insurance policy?

Individuals above 18 can opt for the Care Heart policy without restricting the maximum entry age. The policy offers lifelong coverage.

Disclaimer: The information above is just for reference. Kindly read the T & C of the policy thoroughly. Do refer to IRDAI guidelines for tax exemption conditions.

~Tax benefit is subject to changes in tax laws. Standard T&C Apply

**Number of Claims Settled as of 31st March 2024

^10% discount is applicable for a 3-year policy

^^Number of Cashless Healthcare Providers as of 31st March 2024

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