What is the entry age for Heart Mediclaim?

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

Can Heart Mediclaim Policy be renewed?

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

Is floater policy available in the Heart Mediclaim?

No, floater policy is not available in heart Mediclaim.

Is there an Instalment Option in Heart Mediclaim?

Yes! If you choose a term of 2 Years or 3 Years.

At what time can I opt for an instalment option?

TYou can choose the monthly payment option (commonly known as EMI) at the time of fresh policy purchase or renewal time.

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 hospitalization. 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.

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.

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).

Heart Mediclaim: Health Insurance for Heart Coverage

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 mode.

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