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Heart Insurance

Heart Mediclaim

Heart Care Mediclaim is a health cover providing financial security against 16 major heart ailments and surgeries. The policy provides a lifelong renewability option while offering coverage on an individual basis.

  • Indemnity based plan with Flexible Tenure Options
  • Covers defined Heart related Critical Illnesses
  • Preventive Annual Health Check-up
  • Life Long Coverage with reward of No Claim Bonus
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Insurance Claims Settled**
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What is Heart Mediclaim?

Your heart is the vital organ of the body that works around the clock for you. A healthy heart beats about 115,000 times and pumps about 2,000 gallons of blood each day. It provides blood and oxygen to all other parts of the body. Therefore, the health of your heart has the utmost importance. Our Heart Care Mediclaim has been designed specifically for covering heart ailments without financial worries.

It is a holistic heart care plan or cardiac insurance covering hospitalisation expenses due to heart ailments so that you can come out well. Our mediclaim policy covers 16 major heart ailments and comes with an option to pay a premium in easy EMIs.

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Importance of Mediclaim Policy for Heart Patients in India

The sedentary lifestyle, bad eating habits, work stress, and lack of physical activities make Indians more vulnerable to heart diseases. Due to cardiac conditions, the death rate has risen in India. Moreover, health care costs have also increased drastically in the past few years. Hospitalisation due to heart ailment can make a dent in your savings. To save your finances, Care’s medical insurance for heart patients comes to your rescue. Our cardiac care plan saves you from unnecessary hassle of arranging money while you are experiencing a heart condition.

Therefore, Heart Mediclaim is necessary. The primary purpose of Health Insurance for Heart Patients is to cover your hospitalisation and treatment expenses related to heart illness so that your heartbeat does not create a burden on your pocket. With comprehensive coverage for heart-related treatments and other benefits, heart insurance policy gives the best care for your heart. Thus, heart care health insurance becomes a necessary investment that can save you during health conditions related to heart.

What are the Features of Heart Health Insurance Plan?

We at Care offer Heart Mediclaim that reduces your financial stress during a medical crisis. Below are the unique features of health insurance for heart patients:

  • Cashless & Reimbursement Facility
  • Annual Cardiac health check-up
  • Lifelong renewability
  • Global coverage (for 1 & 2 Cr SI)
  • OPD expenses
  • Alternative Treatments
  • International second opinion
  • Room rent modification
  • Organ donor cover
  • Air ambulance
  • Doctor-on call
  • Tax Benefits Under section 80 D

What is Covered under Health Insurance for Cardiac Patients?

Heart Care Mediclaim-a comprehensive Heart Insurance that helps your heart beating healthily. Read below what all we cover under the mediclaim for heart patients:


In-Patient Care

We know heart care cost is skyrocketing. But do not worry! We cover in-patient care expenses if hospitalisation is for at least 24 consecutive hours or more under our best care health insurance for heart plan


Day Care Treatment

Why admit to the hospital when you can avail day-care treatment for your heart's health. Yes! We cover several day-care treatments related to the heart under heart mediclaim.


Pre and Post-Hospitalisation Coverage

Our best insurance for heart patients vide coverage for pre and post-hospitalisation expenses for 30 days preceding the hospitalisation and 60 days after discharge from the hospital.


Alternative Treatments

Conventional and alternative treatments like AYUSH (Ayurveda, Unani, Sidha, and Homeopathy) help in speedy recovery. We cover them too under our mediclaim policy for a heart patients.


Ambulance Cover

You will also get the ambulance cover under this mediclaim for heart patients if you used it during a medical emergency up to a specified amount per hospitalisation.


No Claims Bonus

We raise cheers to your good health and reward you for keeping your heart healthy. You will get no claim bonus for every claim-free year under cardiac care health insurance policy.


OPD Expenses

Heart ailments are not easy to deal with. It requires regular doctor visits, medication, and diagnosis. Our best mediclaim for heart patients plan covers diagnostic+ consultations+ pharmacy all in one.


Annual Cardiac Health Check-Up

We care for your heart that is why we offer annual health check-ups under heart Mediclaim. You can avail of an annual health check from the 2nd policy year.

What is not Covered under Health Insurance for Cardiac Patients?

Heart mediclaim has some exclusion. These are the diseases/ medical procedures/treatments/ excluded from the policy coverage. Read what is not covered under this cardiac care health insurance:

  • Act of self-inflicted injury or attempted suicide
  • Any illness related directly to the consumption of Alcohol/Tobacco/Cigarettes etc. HIV/AIDS or any other sexually transmitted disease
  • Cosmetic or plastic surgeries or related treatment
  • Pregnancy, miscarriage, childbirth, maternity including C- section, abortion, or complications of any of these
  • All the treatments required due to participation in hazardous activities
  • Damage caused by a nuclear, chemical, or biological attack or weapons
  • Illness or injuries caused due to any breach of law by the insured

Why Do You Need Mediclaim Policy For Heart Patients?

Cardiovascular diseases have high rates of morbidity, mortality, and disability rate. One out of four deaths in India is because of cardiovascular diseases. Medical inflation is rising day after day. One-time hospitalisation can cost you lakhs of rupees, so it is necessary to secure yourself financially with heart mediclaim insurance as early as possible. It will protect you in the hour of need when a minor health condition turns into a bigger problem in the future that requires hospitalisation. Following are the reasons that help you to understand its necessity:

  • Offer complete protection against the hospitalisation expenses incurred for the treatment of 16 specified heart diseases.
  • Heart care cost is increasing and becomes out of pocket expenses for many
  • Pre-existing diseases are also covered subject to policy terms and conditions
  • Flexible EMI Options are available for monthly or quarterly premium payout with policy tenure for 2/3 yrs.
  • Additional benefits enhance the policy coverage
  • Reduce your financial stress at the time of emergency hospitalisation

Eligibility Criteria to Buy Heart Mediclaim

Entry Age-Minimum Child: 91 days to 4 years with at least 1 member of age 18 years or above is covered or 5 years on an individual basis
Adult: 18 years and above
Entry Age-Maximum 50 Years
Exit Age No Exit Age
Age of Proposer(Adult) 18 years or above
How can You Cover Yourself Individual basis (maximum up to 6 Persons having same/different sum Insured)

Note: All the age calculations are as per "Age Last Birthday" as on the date of the first issue policy and/or at Renewal's time.

What is the Claim Process of Heart Mediclaim?

Care heart insurance claim settlement process is quick and easy. In the case of an emergency, you need to intimate our customer support team within 24 hours of hospitalisation and before 48 hours in case of planned admission. Below are the simple steps to file the claim if you have the best mediclaim policy for heart patient:

Cashless Claim Process Reimbursement Claim Process
Step 1: Go to a listed in-network hospital. Step 1: Submit your claim form along with other required documents.
Step 2: Fill out the proper forms at the insurance desk. Step 2: You'll get an approval letter when your claim is verified.
Step 3: Send the completed form to our claim management team. Step 3: Respond to queries raised by the claim management team.
Step 4: You'll get an approval letter when your claim is verified. Step 4: Get approval from the claim management team.
Step 5: Respond to queries from the claim management team. You will receive communication about whether your cashless claim is approved or rejected within the standard TAT. Step 5: Our claims team will contact you if there are specific reasons for rejecting your claim.

How to Buy Cardiac Health Insurance Plans Online?

Getting your heart health insurance plan is the safest way to protect your heart and finances as it provides coverage against any possible certain or uncertain risks related to heart. Here is a quick guide to buying online insurance for yourself:


Step 1

Visit our website and select a suitable health policy.


Step 2

Click on ‘Get Quote’ and provide relevant details.


Step 3

Enter the required information and customise your policy.


Step 4

Make payment through any secure digital payment modes.


Once approved, you will get the new health policy documents on your registered email address.

Voice Of Customer

Amy February 23, 2024
Heart Mediclaim

Awesome Service

Care Staff is very good to support.
Kumar Bijoy December 01, 2023
Heart Mediclaim

Dependable Heart Insurance

Excellent claim processI am very impressed with the way their team has handled my cases in the past 4 years. I had to admit my father 4 years back for angioplasty, and then again last year for second stent placement.
Bansi Lal Yadav December 01, 2023
Heart Mediclaim

Nice claim team

I bought this insurance 4 years back, and I had put my claim for my mothers surgery cost. Plan document ke hisab se there was option of reimbursement which I had taken. I got my claim money in 15 working days. Cant be thankful enough
Damini Kashyap December 01, 2023
Heart Mediclaim

Care saved my fathers life

I was worried when my father had to be urgently hospitalised due to coronary artery disease. Care Heart mediclaim helped me to get cashless hospitalisation. Thank you team.
Aniket Shakya December 01, 2023
Heart Mediclaim

Got covered in emergency

My agent, Mr. Sanjeev himself assisted me by informing me about the benefits of the the heart mediclaim insurance. Absolutely thankful that i bought the plan.
Sarfuddin Ansari December 01, 2023
Heart Mediclaim

Thank You

Heart mediclaim helped me with quick recovery counselling of my father cant be thankful enough
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

FAQ on Heart Mediclaim

Q.What is the entry age for Heart Mediclaim?

The minimum entry age is 18 years and maximum is 50 years

Heart Mediclaim comes with Lifelong Renewability. Once enrolled, a person could continue to benefit throughout their lifetime, subject to policy terms and conditions.

Q.Is floater policy available in the Heart Mediclaim?

No, floater policy is not available in heart Mediclaim.

Q.Is there an Instalment Option in Heart Mediclaim?

Yes, there is an instalment option under heart cover if you choose a term of 2 Years or 3 Years.

Q. At what time can I opt for an instalment option?

You can choose the monthly payment option (commonly known as EMI) at the time of fresh policy purchase or renewal time as it is the best insurance for heart patients.

Q. How to claim under heart Mediclaim?

Our claim process is easy and simple. You can file for the claim in two ways- cashless facility and reimbursement. For a cashless facility, inform our customer support team within 24 hours during an emergency and before 48 hours for a planned hospitalisation. For reimbursement, you need to fill a pre-authorization form and submit it along with all the required documents to our claim management team. Once the team verifies your documents, you get approval.

Q.Is there any discount on buying a Multiple Tenure Policy?

Yes, your policy is eligible for a discount if a policy term of 2 Years or 3 Years has been chosen on Single Payment Frequency.

Q.Do I get a Cashless health card when I buy Heart Mediclaim?


Q.Can Heart Mediclaim Policy be renewed?

Yes. Heart Mediclaim comes with lifelong renewability, which means once enrolled, a person could continue to avail benefits throughout their lifetime (provided policy must be timely renewed).

Q.What are the facilities covered under hospitalisation benefit?

Benefits like Annual Cardiac health check-up, lifelong renewability, global coverage (for 1 & 2 Cr SI), OPD expenses, alternative treatments, international second opinion, room rent modification, organ donor cover, etc. are covered under heart insurance plan.

Q.Does mediclaim cover angioplasty?

Yes, it is covered under heart mediclaim.

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

**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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