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Care Heart Mediclaim

Starting at ₹3/day^

No Claim Bonus up to 50% of SI
No Pre-Medical Check-up
Automatic Recharge
Life-long Renewability

Insured 15,00,00,000+ lives

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Cover Highlights

redeem

No Claim Bonus up to 50% of SI

medical_information

No Pre-Medical Check-up

charger

Automatic Recharge

recycling

Life-long Renewability

ventilator

ICU Coverage

blood_pressure

Annual Cardiac health check-up

ambulance

Ambulance Cover

home_health

Domiciliary Hospitalisation

medication_liquid

AYUSH Treatment

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Product Benefits

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Customer Information Sheet

Prospectus

Product Benefits

Key Features	₹ 7 L, 10 L, 15 L, 25 L, 50 L & 1 C
In-Patient Care Coverage of treatment expenses that required you to stay in the hospital for more than 24 Hours . Expenses covered include Room Rent Charges, ICU Charges, Diagnostics etc.while you are admitted in a hospital.	Up to SI
Day Care Treatment Coverage of treatment expenses that required you to stay in a hospital for less than 24 Hours. We cover all Day Care Procedures like Cataract, Chemotherapy, Dialysis, removal of Stone etc.	All Day Care Procedures
Advance Technology Methods Coverage of Expenses incurred on treatment using specified Advanced Technology methods during hospital stay.	Up to SI
Pre-Hospitalisation Medical Expenses Coverage of expenses incurred on Doctor Fees, prescribed diagnostics and prescribed pharmacy 60 days prior to hospitalization.	60 days prior to hospitalisation
Post-Hospitalisation Medical Expenses Coverage of expenses incurred on Doctor Fees, prescribed diagnostics and prescribed pharmacy 180 days post discharge from hospital	180 days post hospitalisation
AYUSH Treatment Coverage of treatment expenses that required you to stay in the hospital for more than 24 Hours . Expenses covered include Room Rent Charges, ICU Charges, Diagnostics etc.while you are admitted in a hospital.	Up to SI, if hospitalisation takes place in an AYUSH-certified clinic
Domiciliary Hospitalisation Coverage of treatment expenses that required you to start treatment at home under specified circumstances. The Treatment at home should continue for atleast 3 Days.	Up to SI
Organ Donor Cover Coverage of expenses incurred on an operation performed on donor to remove the organ.Removed Organ should be used for insured member. Pre and Post Hospitalization expenses incurred on donor not payable. The Donor should meet all the requirement as speciefied by GOI.	Up to SI
Ambulance Cover Coverage of expenses for hiring a road ambulance for transporting insured to hospital for admission or for shifting insured from one hospital to another for better treatment or for moving insured from hospital to home.	Upto Rs.10,000 per Year for SI < 15 Lacs & Upto SI for SI >= 15 Lacs
Cumulative Bonus we will reward you with upto 100% increase in SI. There will be no reduction in accrued bonus on renewal due to claim.	50% of SI per year, max up to 100% of SI
Unlimited Automatic Recharge You will never run out of coverage due to multiple hospitalization in a policy year. We will recharge policy with an amount equal to SI opted unlimited times in a policy year. This additional amount can be used for multiple hospitalization for related or unrelated illness	Available
Unlimited E-Consultations Avail Unlimited e-consultation from a general Physician by booking appointmemnt through mobile application.	Available
Health Services Discount Connect - Discounts on services such as consultations, diagnostics, maternity etc at our network.	Available

Plan Highlights

An ideal plan for patients with cardiac conditions who have undergone cardiac surgery.
Provides a lifelong renewability option for ongoing coverage.
The automatic recharge feature refills your sum insured once per policy year when it is exhausted.
Assists in monitoring your heart health through Cashless Cardiac Health Check-ups available at our network labs.
There are no sub-limits or caps on expenses for Day Care treatment, AYUSH treatment, domiciliary hospitalisation, or in-patient care.

Plan Details

Policy Terms
Exclusions

Age Eligibility
Entry Age	18 years
Maximum Entry Age	No maximum age
Renewable	Lifelong
Cover Type
Individual Plan	Maximum 6 persons in a Policy
Floater	2 Adults (self and spouse)
Eligibility Criteria	Person/either one Person in case of a Floater Policy with 2 Adults, who has been diagnosed with a cardiac ailment/disorder in the past and has undergone a Cardiac surgical intervention or procedure for the same.
Waiting Period
Initial Wait Period	30 days
Pre-Existing Disease Wait Period	24 months
Specific Waiting Period	24 months
Co-payment	20% Co-payment if the entry age<=70 years, 30% Co-payment if the entry age>70 years

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Claim Process

Cashless
Reimbursement

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Popular Cities

Mumbai
Chennai
Kolkata
Bengaluru
Pune
Hyderabad
New Delhi
Ahmedabad

Our Extensive Network

22100+
Cashless Healthcare Providers^^

1400+
Cities Across India

Voice of Customer

Reviews
Testimonials

Overall Rating 4.7/5.0 Write a Review

KB

Kumar Bijoy Heart Mediclaim
5

Dependable Heart Insurance

December 01, 2023

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.

BL

Bansi Lal Yadav Heart Mediclaim
5

Nice claim team

December 01, 2023

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

DK

Damini Kashyap Heart Mediclaim
5

Care saved my fathers life

December 01, 2023

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.

Samanway Barik Health Insurance

We will continue to avail of your scheme

September 2, 2026

I ported my healthcare plan last year and 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.

Soubhagya K Kulkarni Health Insurance

Everything went very smooth

September 2, 2026

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.

Vaibhav Rai Health Insurance

Really helpful explaining the process in advance

September 2, 2026

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.

FAQs About Care Heart Mediclaim

Q.Are there any sub-limits in the Care Heart coverage?

Yes, there are sub-limits applicable to room rent, ICU charges, cataract treatment, and Total Knee Replacement treatment. Do refer to the policy T&C.

Q.Is there a co-payment clause in the Care Heart Plan?

Yes, our policy includes a co-payment clause. Policyholders are required to pay a certain percentage of each claim out of pocket. Please review the policy terms and conditions for details.

Q.What are the conditions for opting for Care Heart?

Some conditions may include having undergone first-time PTCA or CABG within 7 years prior to starting. Corrected Arterial Septal Defect (ASD) or Ventricular Septal Defect, corrected Patent Ductus Arteriosus (PDA), or cardiac conditions treated via RF Ablation are also considered. Additionally, having an angiogram without any subsequent medical intervention is included.

Q.What is the waiting period for Care Heart Insurance?

Care Heart requires a 30-day initial waiting period and a 24-month period for pre-existing conditions and specified ailments.

Q.Is there any minimum and maximum age for purchasing this policy?

Individuals over 18 can choose the Care Heart policy without age restrictions. It provides lifelong coverage.

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Services: 8860402452

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Super Mediclaim: UIN - RHIHLIP21374V022021

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 Dec 2025

**Number of Claims Settled as of Dec 2025

~~Claim Settlement Ratio for the period April 2025 to Dec 2025

^The premium is calculated for an individual (age 18) with a minimum sum insured of 10 lakh in a Zone 3 city for a 1 year policy tenure.

Care Heart Mediclaim

Get Assistance with Personalized Plans

Terms & Conditions of Premium Quote Generation

Cover Highlights

More About Product

Product Benefits

Plan Highlights

Plan Details

Claim Process

Locate Your Healthcare Providers

22100+Cashless Healthcare Providers^^

1400+Cities Across India

Voice of Customer

FAQs About Care Heart Mediclaim

Q.Are there any sub-limits in the Care Heart coverage?

Q.Is there a co-payment clause in the Care Heart Plan?

Q.What are the conditions for opting for Care Heart?

Q.What is the waiting period for Care Heart Insurance?

Q.Is there any minimum and maximum age for purchasing this policy?

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22100+
Cashless Healthcare Providers^^

1400+
Cities Across India