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Care Heart-Health Insurance for Heart Patients

Heart Health Insurance is an exclusive health cover for people dealing with certain heart conditions. It lowers the burden of expensive heart surgeries and procedures with comprehensive coverage.

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Get Dedicated Heart Insurance to Cover Your Cardiac Ailments

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    Reasons to Choose Care Health Insurance?

    • Healthcare Networks
      20,800+ CASHLESS HEALTHCAREPROVIDERS^^
    • Claim settled ratio
      95.2% INSURANCE CLAIMSETTLEMENT RATIO*
    • Claim settled
      30 LACS+ CLAIMS SETTLEDSUCCESSFULLY*

    What is Care Heart?

    When it comes to your heart, there are no shortcuts. At Care Health Insurance, we ensure that you always stay young at heart with our exclusive health insurance for cardiac patients– ‘Care Heart’. It is best suited for people who have a family history of heart ailments or patients with medical records of heart conditions. With up to 10 lakhs coverage, the Care Heart health plan comes with several unique benefits like automatic recharge of sum insured, no claims bonus, cardiac health check-ups, and other beneficial features.

    In the wake of rising lifestyle illnesses and a sedentary way of life, people at stages are prone to heart illnesses. Established cardiologists warn us that India could record the highest number of cardiac deaths worldwide by 2030. Added to this is the rising medical inflation and shooting cost of heart-related medications that continue for a lifetime. That’s why people from all walks of life need a protective cover for chronic heart diseases. Read on to learn more about the policy coverage and eligibility details of the Care Heart policy.

    Plan Highlights of Care Heart Insurance

    The heart health insurance is packed with the following unique features and highlights:

    • An ideal plan for heart patients who have undergone cardiac surgery in the past.
    • Available on an Individual and Floater basis for up to 2 adults.
    • Offers lifelong renewability option for continued coverage.
    • Promises automatic recharge of sum insured once every policy year.
    • Helps you keep a track of your heart’s health with Cardiac Health Check-ups on a cashless basis.

    Cover Highlights

    Cardiac Health Check-up

    Cardiac health
    check-up

    No Claim Bonus

    No claim bonus

    Domiciliary Hospitalization Coverage

    Domiciliary
    Hospitalization
    Coverage

    Ambulance Cover

    AMBULANCE
    COVER

    Treatment-of-Total-Knee-Replacement

    Treatment of Total
    knee replacement

    Automatic Recharge

    Automatic
    recharge

    ICU Charges

    ICU Charges

    Coverage Under Care Heart Health Insurance

    See all Sum Insured Options arrow close

    KEY FEATURES 3L 5L 7L 10L
    Pre/Post-hospitalization
    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 Treatment
    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
    tick-mark tick-mark tick-mark tick-mark
    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.
    tick-mark tick-mark tick-mark tick-mark
    Cardiac Health Check-up
    We give a Cardiac Health Check-up for all insured member covered in the policy.
    tick-mark tick-mark tick-mark tick-mark
    Sub-limits
    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
    SHOW MORE BACK TO PAGE
    Brochure

    Download the Brochure for Care Heart Complete Plan Details

    Download Care Heart complete plan details

    Read Through it!
    Get Complete Policy Details in the Brochure With Our Expert Assistance!

    Add-ons To Cover Your Specific Needs

    Home Care

    Home Care

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

    See Details
    Care Shield

    Care Shield

    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% Co-payment applicable till age 70 years.

      • 30% Co-payment applicable after age 71 years.

      • Policy wherein the eldest member's age is less than 71 years at entry can pay an extra premium and reduce co-payment to 20% after attaining 71 years and above age.

    • 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

    STEP 1

    Emergency

    Intimate within 24 hours of your hospitalization

    Planned Hospitalization

    Intimate us 48 hours prior to your hospitalization

    STEP 2

    Cashless

    Request for pre-authorization

    Reimbursement

    Claim from submission

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

    Approval

    Approval

    Approval letter sent by the claim management team

    Query

    Query

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

    Rejected

    Rejected

    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

    Approval

    Approval letter sent by the claim management team

    Query

    Query

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

    Rejected

    Rejected

    We will communicate the reason in case of rejection

    20800+HEALTH CARE PROVIDERS SERVE CASHLESS MEDICAL SERVICES ACROSS THE GLOBE

    Look for hospitals around you

    Detailed Hospital List
     19000+ Health Care Providers Across The Globe

    20800+ Cashless Providers

    19000+ Health Care Providers Across The Globe

    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 timely intimation regarding the acceptance of my claim amount settled by you.

    Ankita Sharma

    Health Insurance

    Indubala Nambiar

    We will continue to avail of your scheme

    Thank you for settling the claim amount. It helped me a lot during my tough time. The process is smooth and hassle-free. I will continue with Care Health Insurance and recommend it to my friends as well.

    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.

    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 hospitalization request related to my mother's operation. You were really helpful throughout.

    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 holding payment or rejecting it outright on very flimsy grounds was not the case with Care health insurance, May your tribe grow 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 is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. Care offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.

    Care Health Insurance

    Awarded as Claims
    Leader of the year

    Care Health Insurance

    30 Lakh + Claims Settled^^

    Care Health Insurance

    Cashless claim processing
    in approx. 2 hours

    ^^number of claims settled as on February, 2022

    FAQS on Heart Health Insurance

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    Oops! No results found for your keyword search

    Most Frequently Asked Questions

    Q. Is there any sub-limits in the Care Heart 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.

    Q. Is there a co-payment clause in the Care Heart Plan?

    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.

    Q. What are the conditions for opting for Care Heart?

    • Undergone first-time PTCA/CABG within 7 years period before commencement
    • Corrected Arterial Septal Defect(ASD) or Ventricular Septal Defect
    • Corrected Patent Ductus Arteriosous(PDA)
    • Cardiac conditions cured through RF Ablation
    • Angiogram but no medical intervention after the test

    Q. What is the waiting period for Care Heart Insurance?

    Care Heart has a 30-day initial waiting period and 24 months for pre-existing diseases and specified ailments.

    Q. Is there any minimum and maximum age for purchasing this policy?

    People above 18 years of age can opt for the Care Heart policy without restricting the maximum entry age. The policy offers lifelong coverage.

    Disclaimer: The information above is just for reference. Kindly read the T & C of the policy thoroughly. Do refer to IRDAI guidelines for tax exemption conditions.

    *Claim Settlement Ratio is for FY 19-20 and number of claims settled till February 2022.
    ^^Number of Cashless Healthcare Providers till 25th March 2022
    **10% discount is applicable for a 3-year policy

    Brochure

    Download the Brochure for Care Heart Complete Plan Details

    Download Care Heart complete plan details

    Read Through it!
    Get Complete Policy Details in the Brochure With Our Expert Assistance!

    Reach out to us
    Whatsapp 8860402452

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