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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.
View MoreReasons to Choose Care Health Insurance?
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 Claim Bonus
Quick recovery counselling
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
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 | ||
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)
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
Look for hospitals around you
My appreciation for your prompt service
Rahul Sangwan
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We will continue to avail of your scheme
Samanway Barik
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Everything went very smooth
Soubhagya K Kulkarni
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Really helpful explaining the process in advance
Vaibhav Rai
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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.
Best Health Insurance
Company of the Year*
38 Lakh + Claims Settled**
22900+
CASHLESS HEALTHCARE PROVIDERS^^
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
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