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Care Heart-Health Insurance for Heart Patients

Care Heart Health Insurance is a health plan exclusively designed to offer financial coverage to individuals with existing heart conditions. The plan's comprehensive coverage alleviates the burden of expensive heart treatments.

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Reasons to Choose Care Health Insurance?

  • Healthcare Networks
    24800+ CASHLESS HEALTHCARE PROVIDERS^^
  • Claim settled ratio
    48 Lakh+INSURANCE CLAIMS SETTLED**
  • Claim settled
    24*7CLAIM AND CUSTOMER SUPPORT

Get Dedicated Heart Insurance to Cover Your Cardiac Ailments

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Save Upto 10% on Health Insurance Premium~~

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What is Care Heart?

Your heart health is as much our priority as it is yours! Thus, Care Health Insurance introduces ‘Care Heart' to offer comprehensive coverage for your heart health.

Aiming to offer coverage of up to 10 lakhs, Care Heart is most suitable for individuals with a heart ailment who have undergone heart surgery within the past seven years. The plan offers several unique benefits such as automatic recharge of the sum insured, no claims bonus, cardiac health check-ups, and other benefits.

People are prone to heart illnesses due to rising lifestyle illnesses and a sedentary way of life. Established cardiologists warn 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. People from all walks of life need protective coverage against 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 unique features and highlights:

  • An ideal plan for heart patients who have undergone cardiac surgery.
  • 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 if your sum insured is exhausted.
  • Helps you keep track of your heart’s health with Cashless Cardiac Health Check-ups on our network labs.

Cover Highlights

ICU Charges

ICU Charges

No Claim Bonus

No claim bonus

Cardiac Health Check-up

Annual Cardiac health
check-up

Ambulance Cover

Ambulance
Cover

Automatic Recharge

Automatic
recharge

Domiciliary Hospitalization Coverage

Domiciliary
Hospitalization
Coverage

AYUSH Treatment

AYUSH
Treatment

Coverage Under Care Heart Health Insurance

See all Sum Insured Options east

KEY FEATURES 3L 5L 7L 10L
Pre/Post-hospitalization
info 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
info 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
info 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
info 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
info 100% of original SI upon exhaustion of SI
check check check check
No Claims Bonus
info 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.
check check check check
Cardiac Health Check-up
info We give a Cardiac Health Check-up for all insured member covered in the policy.
check check check check
Sub-limits
Room Rent
info 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
info 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
info
  • 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
info
  • 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
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 to provide care to an insured person on your doctor's recommendation.
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
Care OPD

Care OPD

Get covered for 4 general physician consultations, 4 specialists from the list of 14 specified specialists (maximum reimbursement of ₹500 for each consultation), and unlimited e-consultations from general physicians through our mobile application.
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.

  • External congenital diseases

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

24800+ Healthcare providers offering cashless treatment across the country

Look for hospitals around you

Detailed Hospital List
24800+ Healthcare providers offering cashless treatment across the country
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Voice of our Customers

RK
Rohan Kumar December 01, 2023
Care Heart
5

Thank you

Miss. Priyanka attended my call at 1am. Got cashless hospitalisation, and also recharge got easy during my patients bypass surgery.
Rahul Sangwan

My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

Rahul Sangwan

Health Insurance

Samanway Barik

We will continue to avail of your scheme

I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

Samanway Barik

Health Insurance

Soubhagya K Kulkarni

Everything went very smooth

Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

Soubhagya K Kulkarni

Health Insurance

Vaibhav Rai

Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

Vaibhav Rai

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) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.

Awarded As Claims

Best Health Insurance
Company of the Year*

Total Claims Paid

48 Lakh + Claims Settled**

Cashless Claim

24800+
CASHLESS HEALTHCARE PROVIDERS^^

**Number of claims settled as of 30th March 2024     *India Insurance Summit & Awards 2023

FAQS on Heart Health Insurance

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.

~Tax benefit is subject to changes in tax laws. Standard T&C Apply

^^Number of Cashless Healthcare Providers as of 31st March 2024
**Number of Claims Settled as of 31st March 2024
~~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!

Secure Your Finances Now!

Get the best financial security with Care Health Insurance!

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