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Care Heart Mediclaim

Care Heart Mediclaim - medical insurance that offers protection against 16 common heart conditions and procedures. This plan offers individual coverage and a lifelong renewability option.

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A Customised Heart Mediclaim for 16 Heart Conditions

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    Reasons to Choose Care Health Insurance?

    • Healthcare Networks
    • Claim settled ratio
    • Claim settled

    What is Care Heart Mediclaim?

    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

    Health Check-Up

    Cardiac Health

    Robotic surgery

    Robotic/Radio Surgeries


    Automatic Recharge


    2 Years
    Waiting Period
    for PEDs


    Life-long Renewability

    Benefits of Heart Patients Health

    See all Sum Insured Options arrow close

    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.

    Plan Highlights of Care Heart Mediclaim


    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!

    Care Heart Mediclaim Plan Details

    • Minimum Entry Age :

      • Child: 91 days to 5 years with at least 1 member of age 18 years or above is covered or 5 years on an individual basis.

      • Adult: 18 years and above

    • Maximum Entry Age: 50 Years

    • Exit Age: No Exit Age

    • Age of Proposer(Adult): 18 years or above

    • Coverage: Individual basis (maximum up to 6 persons having same/different sum insured)

    Download Terms & Conditions
    • Act of self-infliction, including suicide attempts or actual suicide
    • Any illness directly linked to the use of tobacco, alcohol, or cigarettes, etc. any other sexually transmitted illness, such as HIV/AIDS
    • Cosmetic or plastic procedures, or similar therapies
    • Abortion, motherhood, childbirth, miscarriage, or complications of any of these, including C-section delivery
    • All the medical interventions necessary as a result of engaging in risky activities
    • Injuries causing  by nuclear, chemical, or biological weapons or attacks
    • Illness or injuries brought on by the insured's violation of any law

    To file claims for Care Heart Mediclaim Plan, follow the steps below:

    STEP 1


    Intimate within 24 hours of your hospitalization

    Planned Hospitalization

    Intimate us 48 hours prior to your hospitalization

    STEP 2


    Request for pre-authorization


    Claim from submission

    Complete the pre-authorization form available
    at the hospitals insurance/TPA Desk and send us through fax.



    Approval letter sent by the claim management team



    Hospital/Insured to response to the query raised by the claim management team



    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 letter sent by the claim management team



    Insured to response to the query raised by the claim management team



    We will communicate the reason in case of rejection

    21,100+ Health Care Providers Serving Cashless Medical Services Across The Globe

    Look for hospitals around you

    Detailed Hospital List
    20800+ Health Care Providers Across The Globe

    20800+ Cashless Providers

    20800+ Health Care Providers Across The Globe

    Voice of Our Customer

    Soni Singh

    review Cancer insurance plan from Care health insurance worked wonders for us. I bought it for myself because of my family history with this disease. Glad that I could afford the best treatment under this plan!

    Smita Reddy

    review Care health insurance has been my go-to insurance partner. Its cancer insurance policy is like made for us. Got help with its pre- and post-hospitalization expense cover when my wife was diagnosed with cancer.

    Ronak Ahuja

    review I bought a Care health insurance cancer insurance plan for my father. When he was diagnosed with cancer at the initial stage, we could get the best treatment without worrying about the cost. Highly recommend it to others.

    Anubhav Das

    review Getting diagnosed with cancer was a shock for me. It is where the Care health insurance Cancer insurance plan acted as a life saviour, with its chemotherapy cover. All thanks to their team for helping me live again!

    Madhav Singh

    review Care health insurance Cancer Insurance plan is a must-have in these times when cancer risk is high. I am glad I bought it timely at a reasonable premium. Impressed by their quick claim settlement process!
    Ankita Sharma

    My appreciation for your prompt service

    At the outset, I would like to express my appreciation for your prompt service in taking up the case regarding my claim. I have received timely intimation regarding the acceptance of my claim amount settled by you.

    Ankita Sharma

    Health Insurance

    Indubala Nambiar

    We will continue to avail of your scheme

    Thank you for settling the claim amount. It helped me a lot during my tough time. The process is smooth and hassle-free. I will continue with Care Health Insurance and recommend it to my friends as well.

    Indubala Nambiar

    Health Insurance

    Vikas Singh

    Everything went very smooth

    I would like to pass on my appreciation for Virender, who guided me during the difficult time. He helped me at every stage and didn't keep me waiting. Due to his efforts, I was relaxed and everything went very smooth.

    Vikas Singh

    Health Insurance

    Sahil Khattar

    Really helpful explaining the process in advance

    I just wanted to thank you for the exceptional response from you on the recent cashless hospitalization request related to my mother's operation. You were really helpful throughout.

    Sahil Khattar

    Health Insurance

    Aditya Sharma

    Finalising my claim in a short period

    I must express my profound appreciation for finalising my claim in a short period. I have heard of insurance companies holding payment or rejecting it outright on very flimsy grounds was not the case with Care health insurance, May your tribe grow more

    Aditya Sharma

    Health Insurance

    Selecting a family health insurance plan might be difficult considering the variety of insurers on the market that provide similar coverage. Simply selecting the coverage with the lowest premium is not a prudent move. You must evaluate the advantages and disadvantages of various insurance products. One of the well-known health insurers that have been supporting this sector for a long time is Care Health Insurance. The insurers health insurance plans are created with the needs of its clients in mind. With CHI, you have a clear choice between a variety of benefits that will give you the most comprehensive coverage possible. 20800+ cashless healthcare providers, a 95.2% CSR ratio, and more than 30 lakh claims paid to date make up a sizable portion of the healthcare system.

    Care Health Insurance

    Awarded as Claims
    Leader of the year

    Care Health Insurance

    30 Lakh + Claims Settled^^

    Care Health Insurance

    Cashless claim processing
    in approx. 2 hours

    ^^number of claims settled as on February, 2022

    FAQs About Care Heart Mediclaim


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    Most Frequently Asked Questions

    Q.How is Heart Mediclaim different from Health Insurance?

    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.

    Q.Will I have to undergo pre-policy medical Check-up to buy Critical Mediclaim?

    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.

    Q.Can I buy Heart Mediclaim if I am diagnosed with a health condition related to heart?

    Yes, you can buy Heart Mediclaim if you are diagnosed with a heart condition as per underwriter’s descretion.

    Q.Will I be able to file cashless claim under Care Health Insurance’s Heart Mediclaim?

    Yes, you will be able to file cashless claim only if you take treatment from one of our 20800+ cashless healthcare providers.

    Q.Who should buy a Heart Mediclaim?

    • People over 40 years of age
    • Individuals with family history of heart ailments
    • Sole breadwinners in the family

    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 till 31st Dec 2022

    ##IBAI Claims Handbook for FY 19-20

    **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!

    Reach out to us
    Whatsapp 8860402452



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