Save tax up to ₹75,000 ~ u/s 80D.
Save tax up to ₹75,000 ~ u/s 80D.
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.
The heart health insurance is packed with unique features and highlights:
Cover Highlights
KEY FEATURES | ₹3L | ₹5L | ₹ 7L | ₹ 10L |
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Pre/Post-hospitalization
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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
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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
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Combination of conventional medical and alternative treatment such as Ayurveda, Unani, Sidha and Homeopathy.
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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
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In an emergency, we reimburse expenses incurred by you for availing a domestic road ambulance during your hospitalization
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Upto ₹2,000 per Hospitalization |
Upto ₹2,000 per Hospitalization |
Upto ₹3,000 per Hospitalization |
Upto ₹3,000 per Hospitalization |
Domiciliary Hospitalization
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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.
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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
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100% of original SI upon exhaustion of SI
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No Claims Bonus
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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
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We give a Cardiac Health Check-up for all insured member covered in the policy.
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Sub-limits | ||||
Room Rent
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We reimburse expenses occurred while you're staying in a hospital
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Up to 1% of SI per day | Single Private Room | Single Private Room | Single Private Room |
ICU Charges
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We take care of ICU charges incurred during your hospitalization.
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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
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Up to ₹50,000 | Up to ₹65,000 | Up to ₹80,000 | Up to ₹80,000 |
Treatment for each and every Ailment / Procedure mentioned
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Up to ₹200,000 | Up to ₹250,000 | Up to ₹300,000 | Up to ₹300,000 |
Look for hospitals around you
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.
~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
Get the best financial security with Care Health Insurance!
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