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Care Heart Mediclaim is a comprehensive heart care plan programme that pays for inpatient costs related to heart conditions so that you recover quickly.
The essential body part that continuously operates for you is your heart. A healthy heart beats approximately 115,000 times each day and pumps approximately 2,000 litres of blood. It supplies all other body parts with blood and oxygen. Your heart's health is, therefore, of the highest importance. Our Care Heart Mediclaim was created exclusively to cover heart conditions. The policy exclusively covers 16 common cardiac conditions. It is easily available with an EMI option as well.
Cover Highlights
KEY FEATURES | BENEFITS | ||
---|---|---|---|
Sum Insured Options | 10 Lakh | 25 Lakh | 50 Lakh | 1 Crore | 2 Crore. | ||
Covered Conditions | 16 Specified Heart Related Ailments. | ||
In-Patient Hospitalization
If you are admitted to a hospital for in-patient care, for a minimum period
of 24 consecutive hours, we cover for your treatment expenses - right from
room charges, nursing expenses and intensive care unit charges to surgeon's
fee, doctor's fee, anaesthesia, blood, oxygen, operation theatre charges,
etc.
|
Up to Sum Insured | ||
Day Care Treatment
We cover medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for 24 hours or more.
|
Plan specific, Up to Sum Insured | ||
Pre Hospitalisation
We cover the relevant medical expenses such as doctor consultation, Diagnostic tests, medications incurred up to 30 days before your hospitalization.
|
30 Days | ||
Post Hospitalisation
We cover the relevant medical expenses such as doctor consultation, Diagnostic tests, medications incurred up to 60 days post your hospitalization.
|
60 Days. | ||
Ambulance Cover
In an emergency, we reimburse expenses incurred by you for availing a domestic road ambulance during your
hospitalization.
|
Up to Rs. 3000 per Hospitalisation | ||
Organ Donor Cover
We reimburse you the medical expenses that are incurred by an organ donor while undergoing the organ transplant surgery.
|
Up to SI or 15 Lakh, Whichever is Lower. | ||
Alternative Treatments
Covers Ayurveda, Unani, Sidha and Homeopathy treatment
|
Up to 25% Sum Insured. | ||
Second Opinion
If you feel uncertain about your diagnosis, you can opt for a second opinion, arranged by us.
|
Once Per Covered Condition Per Policy Year | ||
Annual Health Check-up
Annual health check-up for insured member.
|
Annual from 2nd Policy Year on Continuous Coverage. | ||
No Claims Bonus(NCB)* | 50% / 25% / 25%-Corresponding Increase in SI for 1st, 2nd and 3rd Continuous Claim-Free Policy Years Respectively, Max up to 100% of SI. | ||
Health Services | |||
Quick Recovery Counseling
Psychologist Counseling Expenses Covered
|
Up to Rs. 1000/- Per Session; Maximum 8 Per Policy Year (Twice a Month). | ||
Doctor on Call
Consult doctors on a call
|
Available (Telephonic/Online Mode). | ||
Global Coverage
Avail Hospitalization expenses outside India with a mandatory co-payment of 10 % per claim.
|
Up to SI; only for SI >=1Cr (Limited to In-Patient Care and Day-Care treatment) with a Co-payment of 10% per Claim | ||
OPD Expenses | 1% of Sum Insured; Max. up to Rs. 25000/- | ||
International Second Opinion# | Once Per Covered Condition Per Policy Year. | ||
Air Ambulance# | Up to Rs. 5 Lakhs. | ||
Room Rent Eligibility | Single Pvt. Room / No Limit^. | ||
ICU Charges | No Limit. | ||
Initial Waiting Period | 90 days. | ||
Specific Ailment Waiting Period | Not Applicable. | ||
PED Waiting Period | 4 Years. |
*50%/25%-Corresponding decrease in SI per policy year in case a claim has been paid; Such decrease is only in SI accrued as NCB.
*Optional Benefit
*with optional benefit Room Rent Modification.
Note: Other SI / Age band options are also available.
Download the Brochure for Heart Mediclaim Complete Plan Details
Download Heart Mediclaim complete plan details
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Get Complete Policy Details in the Brochure With Our Expert Assistance!
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Most Frequently Asked Questions
Health insurance helps you cover medical and OPD expenses during hospitalisation, and it may not cover all critical diseases. Whereas Heart Mediclaim protects you against 16 common heart conditions and procedures.
Yes, you will have to undergo pre-policy medical check-up based on the Underwriting policy. The cost of the medical tests will be covered by us if your proposal is accepted by our underwriter team.
Yes, you can buy Heart Mediclaim if you are diagnosed with a heart condition as per underwriter’s descretion.
Yes, you will be able to file cashless claim only if you take treatment from one of our 20800+ cashless healthcare providers.
Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer 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
Download the Brochure for Heart Mediclaim Complete Plan Details
Download Heart Mediclaim complete plan details
Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!
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