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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.
The heart health insurance is packed with the following unique features and highlights:
Cover Highlights
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
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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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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
|
Up to ₹50,000 | Up to ₹65,000 | Up to ₹80,000 | Up to ₹80,000 |
Treatment for each and every Ailment / Procedure mentioned
|
Up to ₹200,000 | Up to ₹250,000 | Up to ₹300,000 | Up to ₹300,000 |
Download the Brochure for Care Heart Complete Plan Details
Download Care Heart complete plan details
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Most Frequently Asked Questions
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.
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.
Care Heart has a 30-day initial waiting period and 24 months for pre-existing diseases and specified ailments.
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 31st Dec 2022
**10% discount is applicable for a 3-year policy
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!
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