Is there any sub-limits in the coverage?

Yes. Sub-limits are applicable on room rent, ICU charges, treatment of Cataract and treatment of Total Knee Replacement. Do refer policy T& C

Is there any sub-limits in the coverage?

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

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.

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 Artrial 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

What are our outright rejections?

Cancers, Disorders of the Brain and Spinal Cord and Meninges - Stroke/Haemorrhage/CVA, Any type of Paralysis of hand/legs/body (not polio), Multiple sclerosis, Parkinsonism, Alzheimers disease, Epilepsy or Seizure disorder, Brain tumours, any disorder causing spontaneous or continuous body movement or failure to maintain balance (ataxia/chorea), Neuromuscular Disorders - Any disorder causing muscle/nerve cell wasting / Loss of movement /Abnormal movement - Motor neurone diseases, Muscular dystrophies, Cerebral Palsy, Psychiatric Disorders, Chronic Lung Diseases: COPD (chronic obstructive Pulmonary Disease), ILD (Interstitial Lung Disease), Chronic Liver Disease: Hepatitis B, C, Chronic Hepatitis, Cirrhosis, Liver failure, Chronic Kidney Diseases: Diabetic and hypertensive Kidney disease, Nephrotic and Nephritic syndrome, Kidney Failure, Polycystic kidney, Pancreatitis, Disorders of Immunity or Autoimmune Disorders: Systemic Lupus Erythematous, Rheumatoid Arthritis, Ankylosing Spondylitis, Inflammatory Bowel Disease, Disorders of the Pituitary, Adrenal and Parathyroid glands or any disorder causing growth and mental retardation, Disorders of Blood: Haemolytic disorders - Example-Sickle cell disease, Thalassemia major, Spherocytosis / Disorders of coagulation/clotting - Example-Haemophilia / Disorders of bone marrow, AIDS/HIV positive or any sexually transmitted diseases

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.

Why do I need Care Heart health insurance policy?

Alarmingly, cardiovascular diseases are increasing in our country, affecting the young and elderly alike. An unforeseen event like emergency hospitalization can severely impact a family’s finances. Thus, Care Health Insurance offers Care Heart, a specific heart care insurance policy designed to cover prolonged medical treatment expenses, thus helping you lead a healthy life.

Is there any eligibility criteria for purchasing this policy?

Any individual above 18 years of age can opt for the Care Heart policy without any restriction on maximum entry age. The policy offers lifelong coverage.

Heart Insurance: Buy Best Health Insurance Plan for Heart Patients @₹21/Day*

Key Features of Care Heart Insurance Policy

Affordable health insurance for heart patients provides comprehensive coverage to support your medical needs. These plans often include features such as:

Features	Coverage Details
SI Options	Rs 3,5,7&10L
In-Patient Hospitalisation	Up to SI
Daycare Treatments	Up to SI
ICU Charges	Up to SI
Pre-Hospitalisation Cover	30 days; Maximum up to 5% of SI
Post-Hospitalisation Cover	60 days; Maximum up to 5% of SI
Alternative Treatments	Up to SI
Domiciliary Hospitalisation	Up to SI
Ambulance Cover	Up to Rs 2000 in SI Rs 3&5L Up to Rs 3000 in SI Rs 7&10L
Cardiac Health Check-up	Annually
Automatic Recharge	Up to SI
No Claim Bonus	Up to 50%

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 with pre-existing heart illness. Below are the coverage benefits of our heart insurance for heart patients:

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 costs related to:

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

Add-on Benefits in Medical Insurance for Heart Patients

Add-ons are the extended coverage that you can purchase for your existing heart insurance policy by paying an extra premium. Here is the list of various add-ons that you can buy with heart health insurance:

Care OPD - With the add-on of Care OPD under the mediclaim policy for a heart patient, each insured member can avail of up to 8 OPD consultations (4 with General Physicians, 4 with Specialised doctors) as per policy terms.

Care Shield - This benefit can be divided into three features:

Claim Shield: Covers expenses for specific non-payable items.
No Claim Bonus Shield: The no-claim bonus remains unaffected even with small claims.
Inflation Shield: Your sum insured increases annually based on inflation.

Home Care - This add-on covers expenses for hiring a qualified nurse as recommended by a medical practitioner. The home care benefit provides care and convenience for necessary daily activities. No payment is made for the first 24 hours of each hospitalisation.

Heart Diseases Generally Covered Under Health Insurance for Heart Patients

Some of the heart conditions typically covered by health insurance policies for heart patients include:

Coronary Artery Disease (CAD)	Percutaneous Coronary Intervention (PCI)
Myocardial Infarction (Heart Attack)	Heart Valve Replacement
Congestive Heart Failure	Heart Transplantation
Arrhythmias	Acute Coronary Syndrome
Valvular Heart Diseases	Heart Failure with Preserved Ejection Fraction
Congenital Heart Diseases	Heart Murmurs
Hypertensive Heart Disease	Hypertrophic Cardiomyopathy
Rheumatic Heart Disease	Wolff-Parkinson-White Syndrome
Atrial Fibrillation	Pericardial Diseases
Peripheral Artery Disease	Heart Aneurysm
Cardiomyopathy	Heart Tumours
Angina	-

*Coverage of these heart diseases depends on the approval of the underwriting team. Read the terms and conditions before buying.

Other Treatments & Surgeries Covered Under Health Insurance for Heart Patients

Surgery for the treatment of all types of Hernia
Hysterectomy
Surgeries for Benign Prostate Hypertrophy (BPH)
Surgical treatment of stones of the renal system
Treatment of Cerebrovascular Disorders
Treatments/Surgeries for Cancer
Treatment of other renal complications and Disorders
Therapy for the breakage of bones
Treatment of Cataract
Treatment of Total Knee Replacement

Modern Treatments Covered Under the Cardiac Care Insurance Policy

If treatment involving advanced technologies is administered during hospital admission, whether as inpatient or day care treatment, such treatments are covered.

Uterine Artery Embolisation and HIFU
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy- Monoclonal Antibody to be given as an injection
Intra-vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchial Thermoplasty
Vaporisation of the prostate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

Key Features of Care Heart Insurance Policy

Affordable health insurance for heart patients provides comprehensive coverage to support your medical needs. These plans often include features such as:

Features	Coverage Details
SI Options	Rs 3,5,7&10L
In-Patient Hospitalisation	Up to SI
Daycare Treatments	Up to SI
ICU Charges	Up to SI
Pre-Hospitalisation Cover	30 days; Maximum up to 5% of SI
Post-Hospitalisation Cover	60 days; Maximum up to 5% of SI
Alternative Treatments	Up to SI
Domiciliary Hospitalisation	Up to SI
Ambulance Cover	Up to Rs 2000 in SI Rs 3&5L Up to Rs 3000 in SI Rs 7&10L
Cardiac Health Check-up	Annually
Automatic Recharge	Up to SI
No Claim Bonus	Up to 50%

What is Covered under Care Heart Health Insurance?

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 costs related to:

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

Add-on Benefits in Medical Insurance for Heart Patients

Care Shield - This benefit can be divided into three features:

Claim Shield: Covers expenses for specific non-payable items.
No Claim Bonus Shield: The no-claim bonus remains unaffected even with small claims.
Inflation Shield: Your sum insured increases annually based on inflation.

Heart Diseases Generally Covered Under Health Insurance for Heart Patients

Some of the heart conditions typically covered by health insurance policies for heart patients include:

Coronary Artery Disease (CAD)	Percutaneous Coronary Intervention (PCI)
Myocardial Infarction (Heart Attack)	Heart Valve Replacement
Congestive Heart Failure	Heart Transplantation
Arrhythmias	Acute Coronary Syndrome
Valvular Heart Diseases	Heart Failure with Preserved Ejection Fraction
Congenital Heart Diseases	Heart Murmurs
Hypertensive Heart Disease	Hypertrophic Cardiomyopathy
Rheumatic Heart Disease	Wolff-Parkinson-White Syndrome
Atrial Fibrillation	Pericardial Diseases
Peripheral Artery Disease	Heart Aneurysm
Cardiomyopathy	Heart Tumours
Angina	-

*Coverage of these heart diseases depends on the approval of the underwriting team. Read the terms and conditions before buying.

Other Treatments & Surgeries Covered Under Health Insurance for Heart Patients

Surgery for the treatment of all types of Hernia
Hysterectomy
Surgeries for Benign Prostate Hypertrophy (BPH)
Surgical treatment of stones of the renal system
Treatment of Cerebrovascular Disorders
Treatments/Surgeries for Cancer
Treatment of other renal complications and Disorders
Therapy for the breakage of bones
Treatment of Cataract
Treatment of Total Knee Replacement

Modern Treatments Covered Under the Cardiac Care Insurance Policy

If treatment involving advanced technologies is administered during hospital admission, whether as inpatient or day care treatment, such treatments are covered.

Uterine Artery Embolisation and HIFU
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy- Monoclonal Antibody to be given as an injection
Intra-vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchial Thermoplasty
Vaporisation of the prostate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

Taking a Holistic Approach to Health Insurance

Heart-related conditions require specialized care, but managing them effectively starts with a strong foundation in overall health insurance. A comprehensive health insurance plan ensures you're protected not only against cardiac emergencies but also other medical expenses like hospital stays, diagnostics, and post-treatment care. By combining focused cardiac coverage with broad health protection, you can better manage both expected and unexpected healthcare needs, today and in the future.

How Does Heart Health Insurance Work?

Heart health insurance provides coverage for heart conditions, covering treatments, surgeries, hospitalisation expenses, medications, and consultations. Know how heart health insurance works:

Buy the policy: Research and purchase a plan that covers heart health needs, including treatments and preventive care.
Pay premiums: Make regular payments to keep your coverage active and accessible.
Preventive care: Take advantage of heart health screenings and consultations to identify risk factors.
Diagnosis and treatment: Covers diagnostic tests, medications, and surgeries related to heart conditions.
Hospitalisation and surgery: Insurance covers treatment costs, hospital stays, and surgeries.
Rehabilitation and Follow-up: Utilise this policy for cardiac rehabilitation and ongoing care after treatment.
File claims: Submit required documents and medical bills to the insurance provider to claim benefits.
Reimbursement: Once approved, receive reimbursement for covered medical expenses.
Cashless: Fill out a pre-authorisation form in the network hospital to get cashless benefits.
Renew your policy: Renew your insurance annually and adjust coverage as needed.

Things to Keep in Mind Before Purchasing Heart Health Patient Insurance

Selecting the appropriate health insurance for heart patients is crucial, given that cardiac treatments can be costly and require lifelong management. An effective plan should cover major surgeries and provide continuous care, offering financial security and peace of mind. Consider these key factors when choosing the best health insurance for a heart patient in India:

Coverage for Pre-existing Heart Conditions: Check if the plan covers pre-existing heart disease and identify the waiting period for such coverage.
Hospital Network: Ensure the insurer has an extensive network of cashless hospitals, including specialised cardiac care facilities.
Comprehensive Benefits: Check for coverage that extends beyond pre- and post-hospitalisation, such as OPD, ICU charges, ambulance services, and other alternative treatments.
Opt for a High Sum Insured: The best insurance for heart patients can be costly because of advanced care. Ensure the plan covers future medical inflation. A high-sum insured with health and heart coverage lets you access medical care without financial worries.
Consider the Exclusions: Exclusions are part of any medical plan and cover illnesses, disorders, procedures, or costs not covered by the policy, which can prevent claims. Reviewing heart treatment insurance exclusions helps avoid delays and uncertainty, ensuring a smooth claims process.
Use a Health Insurance Premium Calculator: You don't need high premiums for heart health insurance; an affordable policy can protect you. Our premium calculator estimates costs tailored to your needs.
Claim Settlement Ratio: Choose an insurer known for quick and hassle-free claim settlements, giving you peace of mind and confidence.

How to Buy Heart Health Insurance Online?

After selecting the appropriate medical insurance for heart patients for yourself or a family member, you can buy the policy online by following these steps:

Step 1: Generate the quote for Heart Insurance on Care Health Insurance’s website.
Step 2: Provide details of insured members, including their age, health status, and gender.
Step 3: Customise your policy by choosing an appropriate sum insured, policy duration, and premium payment method.
Step 4: Use a secure digital payment method, like net banking, debit, or credit cards, to pay the premium.

Once approved, you'll receive the health insurance documents for heart patients via your registered email, including the e-health card.

Who is Eligible to buy Health Insurance for Heart Treatment?

Care Heart health insurance for heart patients is tailored to meet the needs of individuals of different ages. Below are the eligibility details:

The minimum age for entry is 18 years, with no upper age limit.
Candidates must have undergone their first PTCA or CABG within the last 7 years.
Corrected Artrial Septal Defect (ASD) or Ventricular Septal Defect.
Corrected Patent Ductus Arteriosus (PDA).
Cardiac conditions treated with RF Ablation.
The patient has undergone an Angiogram, but no further medical intervention is needed.

Documents Required to Buy a Heart Insurance Plan with Care Health Insurance

To make the process of purchasing a Care Heart insurance policy smooth and hassle-free, you need to provide the following documents:

A valid proof of age, like a birth certificate, Aadhaar card, or passport.
Any government-issued ID, such as a PAN card, Aadhaar card, or voter ID, can be used to verify your identity.
Documents like a utility bill, Aadhaar card, or rental agreement that verify your address.
Salary slips, bank statements, or income tax returns to verify your financial stability.
Passport-sized photographs for official documentation.
Any existing medical records or diagnostic reports related to your health conditions.

*Other necessary documents for health insurance for heart patients, as requested by the insurer.

How to File a Claim Under Health Insurance for Pre-existing Heart Disease?

Filing a medical insurance claim for heart patients is similar to submitting a claim for a regular health plan. At Care Health Insurance, you can effortlessly start a cashless or reimbursement claim by following these easy steps.

Please notify our claims team within 24 hours if there is an emergency hospitalisation, and at least 48 hours before any planned hospitalisation.

Cashless Claim Process	Reimbursement Claim Process
Step 1: Please notify our team about your claim, or download the Care Health Insurance App. Step 2: Go to any network hospital and complete the pre-authorisation process. Step 3: Once approved, proceed to complete the necessary medical treatment. Step 4: Our claims team will examine your records and bills and will process the payments to the hospital.	Step 1: Submit your claim form and other required documents. Step 2: The policyholder gets approval after receiving a verification letter. Step 3: Respond to the questions raised by the claim management team. Step 4: Once approved, the insurance company will process the payments. If the claim is rejected, the claims team will explain the reasons to you.

Cashless Claim Process

Reimbursement Claim Process

Step 1: Please notify our team about your claim, or download the Care Health Insurance App.

Step 2: Go to any network hospital and complete the pre-authorisation process.

Step 3: Once approved, proceed to complete the necessary medical treatment.

Step 4: Our claims team will examine your records and bills and will process the payments to the hospital.

Step 1: Submit your claim form and other required documents.

Step 2: The policyholder gets approval after receiving a verification letter.

Step 3: Respond to the questions raised by the claim management team.

Step 4: Once approved, the insurance company will process the payments. If the claim is rejected, the claims team will explain the reasons to you.

Why Choose Heart Health Insurance Plans from Care Health Insurance?

Choosing the right health insurance is crucial, especially for individuals with heart conditions. Here’s why opting for Care Health Insurance is a wise and dependable choice for you and your family:

Get comprehensive health coverage at lower premiums.
Choose from Care Heart and Heart Mediclaim plans, customised with the best pricing to manage healthcare costs.
Vast cashless network with over 21,700 hospitals across PAN India.
Easily compare, customise, and buy the best health insurance for heart patients online at www.careinsurance.com.
A quick, fast, and simple claim process (cashless or reimbursement) with 24/7 support.