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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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Reasons to Choose Care Health Insurance?

  • Healthcare Networks
  • Claim settled ratio
  • Claim settled

A Customised Heart Mediclaim for 16 Heart Conditions

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Save Upto 10% on Health Insurance Premium~~

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    Who is not eligible for Global Coverage add-on?
    NRI/NRO/OCI/PIO/Individuals with dual citizenship/Foreign Nationals/People employed or planning overseas employment/Students enrolled or planning to register with foreign universities will not be offered Global coverage as per current Underwriting rules of the company.

    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.

    Plan Highlights of Care Heart Mediclaim

    • Provides full coverage against the costs associated with hospitalisation for the treatment of 16 specific heart diseases.
    • Pre-existing conditions are covered  subject to the terms and conditions of the insurance.
    • Adaptable EMI with a policy duration of two and a half years, options for monthly or quarterly premium payments are available.
    • The policy's coverage is enhanced with additional benefits.

    Cover Highlights

    Covering 16 Major Heart Ailments

    Covering 16 Major Heart Ailments

    Doctor on Call

    Doctor on Call

    No Claim Bonus

    No Claim Bonus

    Quick recovery counselling

    Quick recovery counselling

    Lifelong renewability

    Lifelong renewability

    Benefits of Heart Patients Health

    See all Sum Insured Options east

    Sum Insured Options 10 Lakh | 25 Lakh | 50 Lakh | 1 Crore | 2 Crore
    Covered Conditions 16 Specified Heart Related Ailments
    In-Patient Hospitalization
    info 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
    info 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
    info 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
    info 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
    info 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
    info 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
    info Covers Ayurveda, Unani, Sidha and Homeopathy treatment
    Up to 25% Sum Insured
    Second Opinion
    info 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
    info 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
    info Psychologist Counseling Expenses Covered
    Up to Rs. 1000/- Per Session; Maximum 8 Per Policy Year (Twice a Month)
    Doctor on Call
    info Consult doctors on a call
    Available (Telephonic/Online Mode)
    Global Coverage
    info 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

    Download the Brochure for Care Heart Mediclaim Complete Plan Details

    Download Care 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

    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

    24800+Health Care Providers Serving Cashless Medical Services Across The Globe

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    24800+ Health Care Providers Across The Globe
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    Voice of Our Customer

    Amy February 23, 2024
    Heart Mediclaim

    Awesome Service

    Care Staff is very good to support.
    Kumar Bijoy December 01, 2023
    Heart Mediclaim

    Dependable Heart Insurance

    Excellent claim processI am very impressed with the way their team has handled my cases in the past 4 years. I had to admit my father 4 years back for angioplasty, and then again last year for second stent placement.
    Bansi Lal Yadav December 01, 2023
    Heart Mediclaim

    Nice claim team

    I bought this insurance 4 years back, and I had put my claim for my mothers surgery cost. Plan document ke hisab se there was option of reimbursement which I had taken. I got my claim money in 15 working days. Cant be thankful enough
    Damini Kashyap December 01, 2023
    Heart Mediclaim

    Care saved my fathers life

    I was worried when my father had to be urgently hospitalised due to coronary artery disease. Care Heart mediclaim helped me to get cashless hospitalisation. Thank you team.
    Aniket Shakya December 01, 2023
    Heart Mediclaim

    Got covered in emergency

    My agent, Mr. Sanjeev himself assisted me by informing me about the benefits of the the heart mediclaim insurance. Absolutely thankful that i bought the plan.
    Sarfuddin Ansari December 01, 2023
    Heart Mediclaim

    Thank You

    Heart mediclaim helped me with quick recovery counselling of my father cant be thankful enough
    Rahul Sangwan

    My appreciation for your prompt service

    Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

    Rahul Sangwan

    Health Insurance

    Samanway Barik

    We will continue to avail of your scheme

    I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

    Samanway Barik

    Health Insurance

    Soubhagya K Kulkarni

    Everything went very smooth

    Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

    Soubhagya K Kulkarni

    Health Insurance

    Vaibhav Rai

    Really helpful explaining the process in advance

    Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

    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.

    Awarded As Claims

    Best Health Insurance
    Company of the Year*

    Total Claims Paid

    48 Lakh + Claims Settled**

    Cashless Claim


    **Number of claims settled as of 30th March 2024     *India Insurance Summit & Awards 2023

    FAQs About Care Heart Mediclaim

    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.

    ~Tax benefit is subject to changes in tax laws. Standard T&C Apply

    ^^Number of Cashless Healthcare Providers as of 31st March 2024
    **Number of Claims Settled as of 31st March 2024

    ~~10% discount is applicable for a 3-year policy


    Download the Brochure for Care Heart Mediclaim Complete Plan Details

    Download Care Heart Mediclaim complete plan details

    Read Through it!
    Get Complete Policy Details in the Brochure With Our Expert Assistance!

    Secure Your Finances Now!

    Get the best financial security with Care Health Insurance!


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