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Health insurance can help you save tax under section 80D

Heart Care Mediclaim

Affordable heart insurance for heart related illnesses

Plan start at 141/Month*
CALCULATE PREMIUM
Get coverage of 25 LAKH
@ just 141/Month*
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CASHLESS TREATMENT ACROSS 8350+ HOSPITALS
EASY INSTALLMENT OPTIONS AVAILABLE
COVERAGE FOR 16 MAJOR HEART AILMENTS
COVERAGE EVEN IN CASE OF RELAPSE
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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
  • In-Patient Hospitalization - Heart Mediclaim Benefits

    In-Patient Hospitalization: Upto SI for at least 24 Hours of hospitalization.

    Upto SI for at least 24 Hours of hospitalization.

  • Day Care Treatment - Heart Mediclaim Benefits

    Day Care Treatment: Hospitalization required for less than 24 hours for listed treatments

    Hospitalization required for less than 24 hours for listed treatments

  • OPD Expenses - Heart Mediclaim Benefits

    OPD Expenses: Doctor consultation, Pharmacy & Diagnostic examination expenses covered

    Doctor consultation, Pharmacy & Diagnostic examination expenses covered

  • Organ Donor Cover - Heart Mediclaim Benefits

    Organ Donor Cover: Covers medical expenses incurred towards your organ donor.

    Covers medical expenses incurred towards your organ donor.

  • Alternative Treatments - Heart Mediclaim Benefits

    Alternative Treatments: Covers Ayurveda, Unani, Sidha and Homeopathy treatment

    Covers Ayurveda, Unani, Sidha and Homeopathy treatment

  • Pre Hospitalization & Post Hospitalization - Heart Mediclaim Benefits

    Pre Hospitalization & Post-Hospitalization: Covers medical expenses 30 days before hospitalization and 60 days after discharge.

    Covers medical expenses 30 days before hospitalization and 60 days after discharge.

  • No Claim Bonus - Heart Mediclaim Benefits

    No Claim Bonus: 50%/25%/25% corresponding increase in SI for 1st ,2nd , 3rd claim free policy years

    50%/25%/25% corresponding increase in SI for 1st ,2nd , 3rd claim free policy years

  • Annual Health Checkup - Heart Mediclaim Benefits

    Annual Health Check-up: Annual health check-up for insured member

    Annual health check-up for insured member

  • Quick Recovery Counselling - Heart Mediclaim Benefits

    Quick Recovery Counselling: Upto SI for at least 24 Hours of hospitalization.

    Psychologist Counseling expenses covered

  • Doctor On Call - Heart Mediclaim Benefits

    Doctor On Call: Consult doctors on a call

    Consult doctors on a call

  • Global Coverage - Heart Mediclaim Benefits

    Global Coverage: Avail Hospitalization expenses outside India with a mandatory co-payment of 10 % per claim.

    Avail Hospitalization expenses outside India with a mandatory co-payment of 10 % per claim.

  • International Second Opinion - Heart Mediclaim Benefits

    International Second Opinion: Covers expenses for consultation from international medical experts excluding India

    Covers expenses for consultation from international medical experts excluding India

  • Room Rent Modification - Heart Mediclaim Benefits

    Room Rent Modification: Room rent modification as per specified sum insured

    Room rent modification as per specified sum insured

  • Air Ambulance - Heart Mediclaim Benefits

    Air Ambulance: Avail air ambulance service up to specified amount and severity of illness

    Avail air ambulance service up to specified amount and severity of illness

  • Ambulance Cover - Heart Mediclaim Benefits

    Ambulance Cover : Covers charges for availing ambulance service in India

    Covers charges for availing ambulance service in India

  • No Limit On ICU Charges - Heart Mediclaim Benefits

    ICU Charges: No Limit on ICU Charges

    No Limit on ICU Charges

More Features
Plan Name HEART MEDICLAIM
Sum Insured 10 Lakh | 25 Lakh | 50 Lakh | 1 Crore | 2 Crore
Benefits
In-Patient Care Up to SI
Day Care Treatment Listed as per the Plan, Up to Sum Insured
Pre-Hospitalization and Post-Hospitalization Pre-Hospitalization for 30 days & Post-Hospitalization for 60 days; Maximum up to SI
Ambulance Cover Up to Rs 3000 per hospitalization
Organ Donor Cover Up to SI or 15 L whichever is lower
Alternative Treatments Up to 25% of SI
Second Opinion Once per Covered Condition per policy year
Annual Health Check-up Annual from 2nd Policy Year on Continuous Coverage
No Claims Bonus(NCB)* 50%/25%/25%-Corresponding increase in SI for 1st, 2nd and 3rd continuous claim-free Policy Years respectively, Max up to 100% of SI(50%/25/25%-Corresponding decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCB)
International Second Opinion# Once per Covered Condition per policy year
Room Rent Eligibility Single Private Room / No limit^
Air Ambulance Cover# Up to Rs 5 Lakhs
Health Services
Quick Recovery Counseling Up to Rs 1000 Per Session, Maximum 8 Sessions Post Hospitalization in a Policy year( can be availed twice in a month)
Doctor on Call Yes(Telephonic/Online Mode)
Health Portal Value added services through Company’s Website
Global Coverage: Coverage outside India - 45 continuous days in a single trip; Max. 90 days on a cumulative basis, in a Policy Year. Up to SI; only for SI >=1Cr (Limited to In-Patient Care and Day-Care treatment with a Co-payment of 10% per Claim
OPD Expenses (Diagnostics + Consultations + Pharmacy ) Up to 1% of SI ,Max up to Rs 25,000

*** Terms and Conditions Applicable #Optional Benefit. ^with optional benefit Room Rent Modification. ##at the discretion of the Underwriter. Note: Other SI / Age band options also available.

More Benefits
Plan Name HEART MEDICLAIM
Sum Insured 10 Lakh | 25 Lakh | 50 Lakh | 1 Crore | 2 Crore
Covered Conditions(Illnesses/Diseases/Surgeries) Heart related Critical illnesses (view list of covered illness)
Entry Age 5 years to 50 years on Individual basis
Pre-policy Issuance Medical Check up No Medicals required##
Tenure 1/2/3 Years
Premium Payment Mode*** Single/Monthly
Room Rent Eligibility Single Private Room / No limit^
ICU Charges No limit
Wait Period:
Initial Waiting Period 90 Days
Pre-existing Disease 48 months

*** Terms and Conditions Applicable. ^with optional benefit Room Rent Modification. ##at the discretion of the Underwriter. Note: Other SI / Age band options also available.

The Insured Person may access health related information and services such as health risk assessment, Doctor on chat, Special rates for OPD, Diagnostics and Pharmacy through Network Providers , etc as available on the Company's website.

Salient Features

  • Search the best deal in your location
  • Discount on all Healthcare and wellness services like Doctor Consultations, Diagnostics, Pharmacy, Dental Consultation and treatment
  • Comprehensive details on Doctors like qualification & appointment details.
  • Access to Right Healthcare Service, at right time and place.
  • Symptom tracker
  • Ailment to specialty tracker
  • Automated discount coupon download
  • 24x7 on call support

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

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:

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-Hospitalization Coverage

We provide coverage for pre and post-hospitalization expenses for 30 days preceding the hospitalization 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 hospitalization.

Second Opinion

Not satisfied with your current treatment plan or diagnosis. We help you to get a second opinion about your illness.

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.

Doctor on Call

At times it happens heart patients need immediate consultation. We offer coverage for telephonic or online consultation with the doctor

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.

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)

Notes:

  • 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 Hospitalization Claim Process :

  • Submit the pre-authorization form and submit it to the hospital insurance desk.
  • An approval letter will send from the side of our claim management team
  • If required, a query may arise from our claim management team.
  • After the approval, we pay your bills directly to the hospital.

Reimbursement Claim Process:

  • Submit the Health Insurance claim reimbursement form and with all the required documents
  • Our claim management team may raise a query if required
  • Submit a medical certificate issued by the hospital/doctor
  • Duly submit the claim form to us
  • Our claim management team will send you an approval letter
  • We will communicate in case of any rejection.

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

Why Choose CARE
HEALTH INSURANCE?(formerly known as Religare Health Insurance Company Limited)

One serious illness in the family and your financial planning goes for a complete toss. We do understand this and therefore promise stability and lifelong commitment to your well-being. Care Health Insurance(formerly known as Religare Health Insurance Company Limited) offers a comprehensive medical solution for you and your loved ones. Health is wealth, and it’s time you knew!

Let’s promise to keep the HEART BEATING

Customer
Testimonials

FAQs Related to Heart Mediclaim

The entry age for Heart Mediclaim:

Minimum Entry Age- 18 years

Maximum Entry Age- 50 Years

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

The waiting period for pre-existing diseases is 48 months.

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).

*Sum Insured – Rs. 25 Lakhs, Age – 18 to 25 years, Monthly Premium Payment Mode, Policy Period – 2 years. Exl GST.

Award at the Insurance India Summit & Award 2018

^Claim settlement ratio is for FY 19-20 and ^number of claims settled as on June 30, 2020

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