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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.
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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 covering hospitalization 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.
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. Hospitalization due to heart ailment can make a dent in your savings.
Therefore, Heart Mediclaim is necessary. The primary purpose of heart-specific mediclaim is to cover your hospitalization 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, it gives the best care for your heart.
We at CHI offer Heart Mediclaim that reduces your financial stress during a medical crisis. Below are its unique features:
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:
We know heart care cost is skyrocketing. But do not worry! We cover in-patient care expenses if hospitalization is for at least 24 consecutive hours or more.
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
We provide coverage for pre and post-hospitalisation expenses for 30 days preceding the hospitalisation and 60 days after discharge from the hospital.
Conventional and alternative treatments like AYUSH (Ayurveda, Unani, Sidha, and Homeopathy) help in speedy recovery. We cover them too.
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.
Heart ailments are not easy to deal with. It requires regular doctor visits, medication, and diagnosis. We cover 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.
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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 hospitalization 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 hospitalization. Following are the reasons that help you to understand its necessity:
|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.
Our 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 hospitalization and before 48 hours in case of planned admission. Below are the simple steps to file the claim:
|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.|
Heart mediclaim has some exclusion. These are the diseases/ medical procedures/treatments/ excluded from the policy coverage. Read what is not covered under this policy:
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.
No, floater policy is not available in heart Mediclaim.
Yes! If you choose a term of 2 Years or 3 Years.
You can choose the monthly payment option (commonly known as EMI) at the time of fresh policy purchase or renewal time.
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.
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.
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).
Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly. Do refer IRDAI guidelines for tax exemption conditions.
#Source: IBAI Claims Handbook for FY 19-20
^^Number of Cashless Healthcare Providers till 31st Dec 2022.
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