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Health Insurance for Heart Patients

  • Pre & Post Hospitalization
  • Pre-existing Heart Illness Covered
  • Cardiac Annual Health Check-up
  • AYUSH Coverage







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Any past or ongoing medical conditions of any insured member
Any Condition, ailment or injury for which the insured person had signs or symptoms and/or were diagnosed, and/or received medical advice/treatment within 48 months prior to the first policy issued by the insurer.


7.5% OFF

10% OFF


All Members

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- +

Care Heart --- ( --- )

rupee ----

(Premium includes 18% GST)

Base Cover


Additional Covers




Policy Sum Insured increases by 10% for every claim free year. The maximum increase allowed is 50% of policy Sum Insured.


We provide a cardiac health check-up for all insured members are covered in the policy.


Certain amount per hospitalization is payable if advised by treating medical practitioner.


Sum insured is reinstated just when the customer need it the most.


Covers expenses incurred towards hiring a qualified nurse for providing care to insured person on recommendation of your doctor.


An add-on cover that offers 3 benefits claim shield, no claim bonus shield and inflation shield

Copyright. Care Health Insurance.

Policy Benefits of Care Heart

Cover Highlights

Cardiac Health Check-up

Cardiac health

No Claim Bonus

No claim bonus

Domiciliary Hospitalization Coverage


Ambulance Cover



Treatment of Total
knee replacement

Automatic Recharge


ICU Charges

ICU Charges

Benefits of Heart Patients Health Insurance arrow close
  3 Lacs 5 Lacs 7 Lacs 10 Lacs
We cover the relevant medical expenses such as doctor consultation, Diagnostic tests, medications incurred up to 30 days before your hospitalization/60 days post your hospitalization
30/60 days
(Maximum up to 5% of SI)
30/60 days
(Maximum up to 5% of SI)
30/60 days
(Maximum up to 5% of SI)
30/60 days
(Maximum up to 5% of SI)
Alternative Treatments
Combination of conventional medical and alternative treatment such as Ayurveda, Unani, Sidha and Homeopathy.
Up to 25% of Sum Insured Up to 25% of Sum Insured Up to 25% of Sum Insured Up to 25% of Sum Insured
Ambulance Cover
In an emergency, we reimburse expenses incurred by you for availing a domestic road ambulance during your hospitalization
Upto ₹2,000
per Hospitalization
Upto ₹2,000
per Hospitalization
Upto ₹3,000
per Hospitalization
Upto ₹3,000
per Hospitalization
Domiciliary Hospitalization
In case hospitalization is not possible , then we cover for medical expenses incurred during your treatment at home for a period exceeding 3 consecutive days.
Up to 100% of Sum Insured
covered after 3 days
Up to 100% of Sum Insured
covered after 3 days
Up to 100% of Sum Insured
covered after 3 days
Up to 100% of Sum Insured
covered after 3 days
Automatic Recharge
100% of original SI upon exhaustion of SI
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No Claims Bonus
We raise a cheer to good health for every year that you don't claim by increasing your Sum Insured by 10%, up to a maximum of 50% in 5 consecutive years.
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Cardiac Health Check-up
We give a Cardiac Health Check-up for all insured member covered in the policy.
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Room Rent
We reimburse expenses occurred while you're staying in a hospital
Up to 1% of SI per day Single Private Room Single Private Room Single Private Room
ICU Charges
We take care of ICU charges incurred during your hospitalization.
Up to 2% of SI per day No Limit No Limit No Limit
Treatment of Cataract Up to ₹20,000 per eye Up to ₹30,000 per eye Up to ₹30,000 per eye Up to ₹30,000 per eye
Treatment of Total Knee Replacement Up to ₹80,000 per knee Up to ₹1,00,000 per knee Up to ₹1,20,000 per knee Up to ₹1,20,000 per knee
Treatment for each and every
Ailment / Procedure mentioned
  • Surgery for treatment of all types of Hernia
  • Hysterectomy
  • Surgeries for Benign Prostate Hypertrophy (BPH)
  • Surgical treatment of stones of renal system
Up to ₹50,000 Up to ₹65,000 Up to ₹80,000 Up to ₹80,000
Treatment for each and every
Ailment / Procedure mentioned
  • Treatment of Cerebrovascular disorders
  • Treatments/Surgeries for Cancer
  • Treatment of other renal complications and Disorders
  • Treatment for breakage of bones
Up to ₹200,000 Up to ₹250,000 Up to ₹300,000 Up to ₹300,000

Care Heart complete plan details

Add-ons to cover your specific needs

Covers expenses incurred towards hiring a qualified nurse for providing care to insured person on recommendation of your doctor.

See Details

An add-on cover that offers 3 benefits claim shield, no claim bonus shield and inflation shield.

See Details

Heart Patients Health Insurance Plan Details

  • Entry Age - Minimum Adult : 18 years, Child less than 18 years not allowed

  • Entry Age - Maximum Life Long

  • Lifelong Renewability

  • Co-payment

    • 20% per claim if entry age<=70 years and 30% per claim if entry age >70 years

  • Waiting period name aliment

    • Initial Waiting Period - 30 days from any illness

    • Named Ailment Waiting Period - 24 months of continued coverage

    • Pre-existing Disease Wait Period - 24 months of continued coverage

Download Terms & Conditions
  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)

  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse

  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences

  • Tests and treatment relating to infertility and in vitro fertilization.

  • War, riot, strike, nuclear weapons induced hospitalization.

  • Internal congenital disease

For complete list please refer to policy TnC


Cashless Insurance


Intimate within 24 hours of your hospitalization

Planned Hospitalization

Intimate us 48 hours prior to your hospitalization


Reimbursement Insurance Claim Form Submission


Request for pre-authorization


Claim from submission

Complete the pre-authorization form available
at the hospitals insurance/TPA Desk and send us through fax.



Approval letter sent by the claim management team



Hospital/Insured to response to the query raised by the claim management team



You may initiate the treatment and file for reimbursement claim

Submission of claim form along with required
documents, as per the policy terms & conditions



Approval letter sent by the claim management team



Insured to response to the query raised by the claim management team



We will communicate the reason in case of rejection


Look for hospitals around you


Detailed Hospital List
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Voice of our Customers

Vikas Pandey

review Was worried for my dad after he had heart surgery last year. Good Decision to buy Care Heart for him. Speedy customer service and timely claim processing!

Priya Doshi

review Thanks to the commitment shown by the team in processing the claim and resolving my concerns. Great experience!

Puneet Arora

review The best financial support for cardiac patients! Unique benefits and instant support from customer support team!

Sunita Tripathi

review A perfect policy with all the required features! Got timely attention from the customer care team, thank you very much!

Ashok Bansal

review Good service and a valuable insurance policy! Network hospitals are easily accessible too. Thanks from the bottom of my heart!
Ankita Sharma

My appreciation for your prompt service

At the outset I would like to express my appreciation for your prompt service in taking up the case regarding my claim. I have received your intimation regarding the acceptance of my claim and had a minor query as to what is the claim amount settled by you. Thank you. View more

Ankita Sharma

Health Insurance

Indubala Nambiar

We will continue to avail of your scheme.

Thank you for settling the claim amount. Kindly inform me when the amount is remitted to the credit of my bank account with the Bank of Baroda. We will continue to avail of your scheme when we travel abroad. View more

Indubala Nambiar

Health Insurance

Vikas Singh

Everything went very smooth

I would like to pass on my appreciation for Virender who guided me during the difficult time. He helped me at every stage and didn’t keep me waiting. Due to his efforts, I was relaxed and everything went very smooth while my wife was recovering from typhoid. Thanks Virender you are a star! View more

Vikas Singh

Health Insurance

Sahil Khattar

Really helpful explaining the process in advance

I just wanted to thank you for the exceptional response from you on the recent cashless reimbursement request related to my mother’s operation. You were really helpful explaining the process in advance before the treatment and also during the final settlement. View more

Sahil Khattar

Health Insurance

Aditya Sharma

Finalising my claim in a short period

I must express my profound appreciation for finalising my claim in a short period. I have heard of insurance companies with holding payment or rejecting it outright on very flimsy grounds as they are averse to parting with their money. It was not the case with Care health insurance. Thank you, may your tribe grow. View more

Aditya Sharma

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) (formerly known as Religare Health Insurance Company Limited) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. RHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.

Awarded as Claims
Leader of the year

23 lakh + Claims settled*

Cashless claim processing
in approx. 2 hours

What is Care Heart?

Care Heart is a heart insurance plan that offers insurance cover for an individual (or either one person in a floater policy with two adults) who has been diagnosed with a cardiac ailment in the past or has undergone a Cardiac surgery or related procedure for the treatment of the disease. It is specific health insurance for cardiac patients and beneficial for persons who have pre-existing heart ailments.

How to Buy Health Insurance for Heart Patients?

Getting a heart care insurance policy is easy, and that’s possible by following this simple online procedure:

  • Visit Care Health Insurance official website and select the heart insurance policy.
  • Enter your mobile number and e-mail id, and click on ‘Get Quote’
  • Provide the proposer details, including contact details, name and Pin Code
  • Fill in details like number of insured persons, gender, & age. Confirm if there are pre-existing conditions
  • Customise your policy with a preferred sum insured, policy term & other details
  • Check the premium and click on ‘Buy Now’. Confirm proposer details in the 'quick pay' page
  • Pay the premium through any secure digital payment mode, such as net banking, debit or credit cards

You will get the health policy documents, including the e-health card on your registered email-id.

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How Important is Heart Health Insurance for Individual?

The increasingly fast-paced lifestyle & sedentary routine are contributing to serious ailments like cardiovascular diseases. Heart-related illnesses increased by over 50% between the period 1990 and 2016. It is a wakeup call! More importantly, when it is about heart care, getting specialised health insurance for heart patients becomes fundamental to one’s financial comfort.

It helps if you remain alert and make the right choices so that treatment costs do not damage your family’s financial security in the long run. While a regular health insurance plan helps you get coverage for several medical treatments, a cardiac health insurance plan is indispensable to get financial protection for the long-term treatments that add up to significant medical expenditures when dealing with heart ailments.

Illnesses may come unannounced. Yet, it is always possible to protect your health and avert serious any financial impact.

Benefits of Health Insurance Plans for Heart Patients

Heart diseases are serious health issues and may have various symptoms, & lead to complications. Health insurance is vitally important in this day and age, especially for those individuals who have dealt with a heart condition before.

  • Helps manage medical inflation: The surgical and medical treatment costs for cardiac diseases are enormously high. This policy works as a safety cover for your savings against the rising health care costs.
  • Affordable health plan: With the comprehensive coverage you get for various medical treatment expenses, the premium for this medical insurance for heart patients is quite affordable.
  • Cashless hospitalization: With this health insurance policy for heart patients, you can avail of cashless hospitalization at our network hospital. Focus on your health while we settle your medical bills directly with the hospital.
  • Cardiac health check-up: We help you keep track of your heart health by providing cardiac health check-up once in a policy year under the heart care insurance policy.
  • Lifelong coverage: You need not look for another policy in the future as the lifelong renewability feature allows you to continue the policy through regular policy renewals.
  • Discounts: You can also avail a 10% discount on the premium for a 3-year policy, thus ensuring your savings keep growing.
  • Tax savings: This health insurance policy for heart patients helps save a lot! You can get a tax deduction on the premium you pay annually, as per Section 80D of Income Tax Act, 1961.

What is Covered under Care Heart?

In-patient Care: Care Heart offers comprehensive coverage up to the sum insured for a person who has been hospitalized for a minimum period of 24 hours. The expenses incurred by the person will be covered either through the cashless or reimbursement facility. The expenses covered include room charges, nursing expenses, ICU charges, surgeon’s fee/ doctor’s fee, etc.

Day Care Treatment: With advancements in medical procedures, a patient may require hospitalization stay which is lesser than 24 hours. For such day care treatments, Care Heart offers coverage maximum up to the sum insured through cashless or reimbursement facility.

Pre-Hospitalization and Post-Hospitalization Benefits: Medical expenses are not just restricted to the hospitalization costs, so with Care Heart, you are covered for pre-hospitalization and post-hospitalization expenses as well. All you need to do is just focus on your treatment and recovery – the insured are covered for 30 days preceding the hospitalization and 60 days after discharge.

Coverage for Alternate Treatments: The health insurance for cardiac patients offers cover for those who undertake a combination of conventional medical treatment and alternative medicines for their speedy recovery. We pay up to a specified amount towards AYUSH for your speedy recovery.

Ambulance Expenses: A patient may require immediate medical attention through ambulance services in emergencies. The ambulance charges incurred by the patient are covered by the Care Heart policy up to a specified amount per hospitalization.

Domiciliary Hospitalization Coverage: Illness does not necessarily mean hospitalization – in some cases, the insured will be recommended domiciliary care. It usually happens when the patient is too sick to be transferred, so to avoid the additional stress of transference, home-based care is recommended. Care Heart covers domiciliary treatment expenses up to 100% of sum insured covered after 3 days.

Automatic Recharge Facility: The cardiac health insurance policy offers the benefit of automatic recharge. Under this feature, the entire sum insured will be reinstated if the policyholder utilises the coverage amount up to the maximum limit. The reinstated amount can be utilised for future claims except for injury/ illness for which claim has already been raised during the policy year.

No Claims Bonus: If a policyholder does not make a claim for an entire policy year, he/she receives an increase of 10% in the sum insured for the next policy year; but in any case, the ‘no claim bonus’ will not exceed 50% of the sum insured under the policy.

Annual Cardiac Health Check-Up: Care Heart includes an annual check-up for insured members which assess comprehensive cardiac and other heart-related parameters. Staying informed is the best way to stay healthy.

Features of Care Heart - Health Insurance for Heart Patients

With the increasing rise in incidents of cardiac ailments in India, as well as rising medical costs, it is necessary to have financially secured heart insurance. We at CHI offer Care Heart, which aims to provide financial protection to your loved ones having pre-existing heart illness during stressful times.

  • Hospitalization expenses cover
  • Cover pre and post hospitalization expenses
  • No pre-policy medical check-up
  • Cashless & Reimbursement
  • Annual Cardiac health check-up
  • No claim bonus
  • Automatic recharge of sum insured
  • Lifelong renewability
  • Tax Benefits under section 80D of the Income Tax Act 1961

FAQS of Care Heart


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Most Frequently Asked Questions

Popular Questions

Q. 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 policy T&C.

Q. 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 the policy T&C.

Q. 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

Q. If a person underwent both angioplasty and bypass surgery within 7 years, can he opt for care heart?


Q. Can a person be eligible to opt for Care heart if he is on insulin for diabetes, paralysis/stroke?


Q. What are our outright rejections?

  1. Cancers
  2. 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, Alzheimer's disease, Epilepsy or Seizure disorder, Brain tumours, any disorder causing spontaneous or continuous body movement or failure to maintain balance (ataxia/chorea)
  3. Neuromuscular Disorders - Any disorder causing muscle/nerve cell wasting / Loss of movement /Abnormal movement - Motor neurone diseases, Muscular dystrophies, Cerebral Palsy, Psychiatric Disorders
  4. Chronic Lung Diseases: COPD (chronic obstructive Pulmonary Disease), ILD (Interstitial Lung Disease)
  5. Chronic Liver Disease: Hepatitis B, C, Chronic Hepatitis, Cirrhosis, Liver failure
  6. Chronic Kidney Diseases: Diabetic and hypertensive Kidney disease, Nephrotic and Nephritic syndrome, Kidney Failure, Polycystic kidney, Pancreatitis
  7. Disorders of Immunity or Autoimmune Disorders: Systemic Lupus Erythematous, Rheumatoid Arthritis, Ankylosing Spondylitis, Inflammatory Bowel Disease
  8. isorders of the Pituitary, Adrenal and Parathyroid glands or any disorder causing growth and mental retardation
  9. isorders of Blood: Haemolytic disorders - Example; Sickle cell disease, Thalassemia major, Spherocytosis / Disorders of coagulation/clotting - Example; Haemophilia / Disorders of bone marrow
  10. AIDS/HIV positive or any sexually transmitted diseases

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

*IBAI Claims Handbook for FY 19-20

Care Heart complete plan details

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