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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
Cashless Healthcare Providers^^
Insurance Claim Settlement Ratio
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Heart Mediclaim- Time for a Healthy Heart

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.

Why is Heart Mediclaim Necessary?

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.

Features of Heart Mediclaim

We at CHI offer Heart Mediclaim that reduces your financial stress during a medical crisis. Below are its unique features:

  • 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 Cardiac Insurance Plan?

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 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.


Alternative Treatments

Conventional and alternative treatments like AYUSH (Ayurveda, Unani, Sidha, and Homeopathy) help in speedy recovery. We cover them too.


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.


OPD Expenses

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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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 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:

  • Offer complete protection against the hospitalization expenses incurred for the treatment of 16 specified heart diseases.
  • Heart care cost is increasing and become 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 hospitalization

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.

Claim Settlement Process of Heart Mediclaim

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.

What is Not Covered Under Mediclaim Policy for heart Patient

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:

  • Act of self-inflicted injury attempted suicide or 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

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! 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.

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 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.

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).

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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