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Care Heart Mediclaim

Starting at ₹3/day^

No Claim Bonus up to 100% of SI
Global Coverage*
In-Patient and Day Care Hospitalisation
Lifelong Renewability

Insured 15,00,00,000+ lives

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Heart Mediclaim Plan Details

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No Claim Bonus up to 100% of SI

full_coverage

Global Coverage*

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In-Patient and Day Care Hospitalisation

recycling

Lifelong Renewability

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Covering 16 Major Heart Ailments

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Doctor on Call

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No Claim Bonus

neurology

Organ Donor Cover

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Annual Health Check-Up

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Quick recovery counselling

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Lifelong renewability

More About Product

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

Coverage for hospitalisation expenses across 16 specified heart conditions which includes Pulmonary Thromboembolism, Primary(Idiopathic) Pulmonary, Infective Endocarditis, Heart Valve Replacement/repair, Surgery of Aorta, Cardiomyopathy, Surgery for cardiac arrhythmia, Angioplasty, Balloon Valvotomy/Valvuloplasty, Carotid Artery Surgery, Coronary Artery Bypass Graft, Pericardectomy, Surgery to Place Ventricular Assist Devices or Total Artificial Hearts, Myocardial Infarction, Implantation of Pacemaker of Heart, Implantable Cardioverter Defibrillator.
Coverage for pre-existing heart conditions as per policy terms.
Coverage for doctor-on-call, recovery support, and digital health services.
Coverage for various daycare procedures that require hospital stays of less than 24 hours.
The global coverage add-on provides international treatment and expert opinions based on SI and geography.
Lifelong protection with affordable and flexible premium payment options.

Plan Details

Policy Terms
Exclusions

Age Eligibility
Entry Age	Individual: 5 years
Maximum Entry Age	50 years
Exit Age	No Exit Age
Cover Type & Tenure
Cover Type	Individual Plan (Max up to 6 members)
Tenure	1/2/3 Years
Premium Payment Mode	Single/Monthly/Quarterly
Waiting Period
Initial Wait Period	90 days
Pre-Existing Disease Wait Period	3 Years

Download Terms and Conditions

Self-inflicted injuries, attempted suicide, or suicide.
Medical conditions arising from or attributable to the consumption or abuse of tobacco, alcohol, nicotine, or other intoxicating substances, including HIV/AIDS and other sexually transmitted diseases.
Cosmetic, aesthetic, plastic, or reconstructive treatments unless medically necessary.
Expenses related to pregnancy, maternity, childbirth, miscarriage, abortion, infertility treatment, and associated complications, including Caesarean delivery.
Injuries or medical conditions resulting from participation in hazardous, adventurous, or high-risk activities.
Injuries or illnesses caused by nuclear, chemical, biological contamination, warfare, or related events.
Any illness, injury, or medical condition arising from the insured person's involvement in unlawful or criminal activities.

Claim Process

Cashless
Reimbursement

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Mumbai
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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. How is Heart Mediclaim different from Health Insurance?

Health insurance helps cover medical and OPD expenses during hospital stays, but it may not cover all critical diseases. In contrast, Heart Mediclaim specifically protects you against 16 common heart conditions and procedures.

Q. Will I have to undergo a pre-policy medical Check-up to buy Critical Mediclaim?

Yes, a pre-policy medical check-up is required as per the Underwriting policy.

Q. Can I buy Heart Mediclaim if I am diagnosed with a heart-related health condition?

Yes, you can purchase Heart Mediclaim if you are diagnosed with a heart condition, subject to the underwriter's discretion.

Q. Will I be able to file a cashless claim under Care Health Insurance's Heart Mediclaim?

Yes, you can file a cashless claim only if you seek treatment from one of our authorised cashless healthcare providers.

Q. Who should buy a Heart Mediclaim?

Care Heart Mediclaim is ideal for individuals above 40, those with a family history of heart ailments, and sole breadwinners seeking financial protection against cardiac emergencies.

Q. Does Care Heart Mediclaim cover pre-existing heart conditions?

Yes, coverage for pre-existing heart conditions is available, subject to policy terms, conditions, and waiting periods.

Q. Are cardiac health check-ups covered under the policy?

Yes, the policy covers annual cardiac health check-ups, as detailed in the policy terms.

Q. Can senior citizens buy Care Heart Mediclaim?

Eligibility is determined by the age and underwriting rules in effect at the time of policy purchase.

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Super Mediclaim: UIN - RHIHLIP21374V022021

Disclaimer: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

Heart Mediclaim Plan Details

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. How is Heart Mediclaim different from Health Insurance?

Q. Will I have to undergo a pre-policy medical Check-up to buy Critical Mediclaim?

Q. Can I buy Heart Mediclaim if I am diagnosed with a heart-related health condition?

Q. Will I be able to file a cashless claim under Care Health Insurance's Heart Mediclaim?

Q. Who should buy a Heart Mediclaim?

Q. Does Care Heart Mediclaim cover pre-existing heart conditions?

Q. Are cardiac health check-ups covered under the policy?

Q. Can senior citizens buy Care Heart Mediclaim?

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22100+
Cashless Healthcare Providers^^

1400+
Cities Across India