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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.
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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
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
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
Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!
Home Care
Covers expenses incurred towards hiring a qualified nurse for providing care to insured person on recommendation of your doctor.
Care Shield
An add-on cover that offers 3 benefits claim shield, no claim bonus shield and inflation shield.
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
21100+HEALTH CARE PROVIDERS SERVE CASHLESS MEDICAL SERVICES ACROSS THE GLOBE
Look for hospitals around you
21100+ Cashless Providers
Vikas Pandey
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
Thanks to the commitment shown by the team in processing the claim and resolving my concerns. Great experience!
Puneet Arora
The best financial support for cardiac patients! Unique benefits and instant support from customer support team!
Sunita Tripathi
A perfect policy with all the required features! Got timely attention from the customer care team, thank you very much!
Ashok Bansal
Good service and a valuable insurance policy! Network hospitals are easily accessible too. Thanks from the bottom of my heart!
My appreciation for your prompt service
Ankita Sharma
Health Insurance
We will continue to avail of your scheme
Indubala Nambiar
Health Insurance
Everything went very smooth
Vikas Singh
Health Insurance
Really helpful explaining the process in advance
Sahil Khattar
Health Insurance
Finalising my claim in a short period
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.
Awarded as Claims Leader of the year
30 Lakh + Claims Settled^^
Cashless claim processing in approx. 2 hours
^^number of claims settled as on February, 2022
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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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Get your instant quote and avail 5% Discount.
21100+
Cashless Healthcare Providers^
95.2%
Claim Settlement Ratio*
30 LAKH+
Claim Settled*
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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!
