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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
Covering
16 Major
Heart Ailments
Doctor on Call
No Claims Bonus
Quick Recovery
Counseling
Lifelong
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
22900+ Health Care Providers Serving Cashless Medical Services Across The Globe
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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
Rahul Sangwan
Health Insurance
We will continue to avail of your scheme
Samanway Barik
Health Insurance
Everything went very smooth
Soubhagya K Kulkarni
Health Insurance
Really helpful explaining the process in advance
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 Best Health Insurance Company of the year^
38 Lakh+ Claims Settled*
22900+ CASHLESS HEALTHCARE PROVIDERS^^
^India Insurance Summit & Awards 2023
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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!
GET FREE QUOTE
Your health is topmost priority. Check health insurance premium now!
Your health is topmost priority. Check health insurance premium now!
22900+
Cashless Healthcare Providers^^
38 Lakh+
Insurance Claims Settled**
24*7
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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!
