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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.
View MoreReasons to Choose Care Health Insurance?
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
Cardiac health
check-up
No claim bonus
Domiciliary
Hospitalization
Coverage
AMBULANCE
COVER
Treatment of Total
knee replacement
Automatic
recharge
ICU Charges
| 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
|
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| 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.
|
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| Cardiac Health Check-up
info
We give a Cardiac Health Check-up for all insured member covered in the policy.
|
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| 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
|
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
|
Up to ₹200,000 | Up to ₹250,000 | Up to ₹300,000 | Up to ₹300,000 |
Home Care
Care Shield
Care OPD
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
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 letter sent by the claim management team
Query
Hospital/Insured to response to the query raised by the claim management team
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 letter sent by the claim management team
Query
Insured to response to the query raised by the claim management team
Rejected
We will communicate the reason in case of rejection
Look for hospitals around you
My appreciation for your prompt service
Rahul Sangwan
Health Insurance
We will continue to avail of your scheme
Samanway Barik
Health Insurance
Everything went very smooth
Soubhagya K Kulkarni
Health Insurance
Really helpful explaining the process in advance
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.
Best Health Insurance
Company of the Year*
38 Lakh + Claims Settled**
22900+
CASHLESS HEALTHCARE PROVIDERS^^
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.
^^Number of Cashless Healthcare Providers as of 30th June 2023
**Number of Claims Settled as of 31st May 2023
##10% discount is applicable for a 3-year policy
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