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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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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
Cardiac Health
Check-up
Robotic/Radio Surgeries
Automatic Recharge
2 Years
Waiting Period
for PEDs
Life-long Renewability
| 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
Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!
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)
To file claims for Care Heart Mediclaim Plan, follow the steps below:
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
21,100+ Health Care Providers Serving Cashless Medical Services Across The Globe
Look for hospitals around you
20800+ Cashless Providers
Soni Singh
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
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
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
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
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!
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
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.
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
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 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!
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Pay premium @ Axis Bank
Walk-in to the nearest Axis Bank branch to pay your Renewal Premium conveniently via Cheque/Demand Draft. Please ensure to keep the following in mind while opting for the same:
Please visit during banking hours and ask for ‘Easy Pay’ service counters at Axis Bank branch to deposit your premium.
Please mention your Policy(s)number and Contact number on the reverse of cheque. Instrument should be in favour of "Care Health Insurance Limited"
Make sure to collect the acknowledgement slip before leaving bank’s service counter for any future correspondence.
Postdated/ Outstation/ Third Party cheques are not allowed.
Please ensure the cheque amount is equal to the amount mentioned in renewal invite.
It is advisable to carry a copy of Renewal invite while visiting to Axis Bank branch.
Please ensure to deposit the cheque at least 7 Days prior to the due date. Instrument deposition is not allowed after the policy expiry date.
In case of any modifications in the policy details at the time of renewal, please contact our
branch and do not deposit the cheque in Axis Bank Branch.
Contact respective ‘Axis Bank branch manager’ in case of any difficulty/issue/clarification related to deposition of renewal premium. You may further contact our Customer Service team at 1800-102-4499
Get Care Heart Mediclaim to keep your heart pumping against 16 heart ailments.
Get Care Heart Mediclaim to keep your heart pumping against 16 heart ailments.
For showing interest in Care Health Insurance. Our advisor will contact you shortly.
Get a comprehensive health insurance today and obtain coverage for unforeseen medical emergencies.
Get a comprehensive health insurance today and obtain coverage for unforeseen medical emergencies.
For showing interest in Care Health Insurance. Our advisor will contact you shortly.
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!
