Care Heart health insurance

Care health insurance online - Quotes

Plan Type
   
Coverage Type
Coverage Amount
Age of senior member:
  years OR age
Insurance Start Date
Insurance End Date

Sailent featuresCare Heart insurance policy

  • Offers coverage for pre-existing heart illnesses, it serves as an ideal health insurance for cardiac patients i.e. those with pre-existing heart ailments.
  • Comprehensive coverage for hospitalization expenses
  • No medical check up and only 2 years waiting period.
  • Life-long Renewability
  • Cardiac Health check-up
  • No Claim Bonus
  • Only 2 years wait period for pre-existing ailments

Care Health Insurance Review

Care travel insurance
Call: 080-4110 1026
Sum Insured
4 lacs – 600 lacs options available
Tenure Options
1, 2, 3 years options available
Claims Incurred Ratio *
55.00%
Claims Settlement Ratio **
93.44%
List of Network Hospitals
7,400+ hospitals
Number of Policies issued *
6,91,739
Number of Lives Covered *
1,07,13,000
Maximum Family Floater Coverage
Self, Spouse + dependent (children + parents)
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

Care Heart insurance plan highlights

  • Key features
  • Eligibility
  • Coverages
  • Benefit description

Key features of Care Heart insurance plan

Some of the key features of this plan include:
  • Room Rent :Upto 1% of Sum Insured for a Private Single A/c Room
  • Co-pay :Co-pay upto 20% co-pay for claims
  • Restoration Benefit: NIL Restoration Benefit
  • No upper limit on entry age
  • Enrols for who have undergone heart surgery in last 7 years
  • Only 2 years wait period for pre-existing ailments
  • No pre-policy medical check-up
  • 540+ Day Care Treatments
  • Covers Alternative Treatments

Eligibility to buy Care (Formerly Religare) Care Heart insurance plan

Entry Age – Minimum 18 Years
Entry Age – Maximum No Maximum Age
Renewable Life long
Cover Type Individual : Maximum 6 persons in a Policy
Floater :2 Adults (self and spouse)
Tenure 1/2/3 Years
Eligibility Criteria Person/either one Person in case of a Floater Policy with 2 Adults, who have been diagnosed with a cardiac ailment/disorder in the past and undergone a Cardiac surgical intervention or procedure for the same
Who are Covered (Relationship with Respect to the Proposer) Individual: Self, legally married Spouse, Son, Daughter, Father, Mother, Brother, Sister, Mother-in-Law, Father-in-Law, Grandmother, Grandfather, Grandson, Granddaughter, Uncle, Aunt, Nephew, Niece, Employee or any other relationship having an insurable interest.
Notes - All the Age calculations are as per “Age Last Birthday” as on the date of first issue of Policy and / or at the time of Renewal.
Option of Mid-term inclusion of a Person in the Policy will be only upon marriage or childbirth; Additional differential premium will be calculated on a pro rata basis
- If Insured persons belonging to the same family are covered on an Individual basis, then every Insured person can opt for different Sum Insured and different Optional Benefits
- Your Eligibility Criteria is Subject to Underwriting Criteria of the Company.

Coverages under Care (Formerly Religare) Care Heart insurance plan

Sum Insured (all figs in ₹ INR) 3,00,000 5,00,000 7,00,000 10,00,000
In-Patient Hospitalization Up to Sum Insured
Room Rent / Room Category Up to 1% of SI per day Single Private Room
ICU Charges Up to 2% of SI per day No Limit
Day Care Treatment Up to Sum Insured
Pre Hospitalization Medical Expenses and Post Hospitalization Medical Expenses Pre-Hospitalization for 30 days & Post-Hospitalization for 60 days; Maximum up to 5% of SI
Alternative Treatments Up to 25% of Sum Insured
Ambulance Cover Up to Rs 2,000 per Hospitalization Up to Rs 3,000 per Hospitalization
Domiciliary Hospitalization Up to 100% of Sum Insured covered after 3 days
Automatic Recharge 100% of original Sum Insured upon exhaustion of SI
No Claims Bonus 10% increase in SI per Policy Year in case of claim-free year; Max up to 50% of SI (10% decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCB)
Cardiac Health Check-up Annually
Wait Periods
Initial Waiting Period 30 Days
Specific Waiting Period 24 Months
Pre-existing Diseases 24 Months
Co-payment 20% Co-payment if the entry age<=70 years
30% Co-payment if the entry age>70 years
Pre-policy Issuance Medical Check up None
Home Care(Optional Cover) Up to Rs.1,000 per day; Max.7 days per occurrence & Max.45 days per policy year per Insured Person; Covered after a deductible of 1 day Up to Rs.2,000 per day; Max.7 days per occurrence & Max.45 days per policy year per Insured Person; Covered after a deductible of 1 day

Benefit Description of Care Heart insurance policy

Comprehensive coverage for hospitalization expenses The main feature of Care Heart is to cover expenses that will be incurred during hospitalization. One can use the cashless facility or get the costs reimbursed. It is always good to have a breakdown on what is covered for e.g. expenses include room charges and nursing expenses, amongst others apart from main treatment charges. One also gets adequate coverage for day care treatment.

Pre - hospitalization and post - hospitalization benefits Medical expenses are not just restricted to the hospitalization costs, so with Care Heart the insured is covered for pre-hospitalization and post-hospitalization expenses as well. All one needs to do is just focus on your treatment and recovery – the insured are covered for 30 days preceding the hospitalization and 60 days after discharge.

Coverage for alternate treatments Our health insurance for cardiac patients accommodates alternative medicine so the insured can get coverage for supplementary Ayurveda or Unani treatments.

Ambulance expenses Coverage for Ambulance expenses is a built-in feature of the plan.

Domiciliary hospitalization coverage Illness does not necessarily mean hospitalization – in some cases, the insured will be recommended domiciliary care. This usually happens when the patient is too sick to be transferred, so to avoid the additional stress of transference, home based care is recommended. Care Heart covers domiciliary treatment expenses as well.

Automatic recharge facility Our cardiac health insurance has an automatic re-charge feature so the sum insured once exhausted is automatically topped-up on the policy.

Get no claims bonus If one has not made a claim for an entire policy year, your Sum Insured is increased by 10% over the previous year Sum.

Cardiac health check-up Care Heart includes an annual check-up for insured members, at no extra cost, which assesses comprehensive cardiac and other related parameters. Staying informed is the best way to stay healthy.

Optional cover for OPD expenses This covers OPD expenses which include pharmacy, diagnostics, and consultation costs. The diagnostics cover will be 50% of the total coverage for OPD care.

International Second Opinion Care Heart gives the insured the freedom to go ahead and take an International Second Opinion at no extra cost specially arranged by us.

Home Care Option Health treatment doesn’t end at discharge and the insured may need a detailed home care routine that involves registered professionals and specific treatments. Care Heart gets the insured ahead on the road to recovery with its Home Care option. This benefit needs to be utilized within 30 days of discharge and this form of treatment should be recommended by a medical practitioner.

Active health check-up Active health check-ups are also integral to maintaining health of the insured patient. There certain tests that are indispensable and Care Heart has that covered. This includes coverage for tests like lipid profile, fasting and PP blood sugar test, and blood pressure test up to three times a policy year

Care health insurance useful links

buy Care health insurance How to buy Care health insurance?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.

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Insurance FAQ Insurance FAQ

Get all the answers to the most frequently asked questions (FAQs) regarding best health insurance plans in India.

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Care Claims Procedure Claims Procedure

Care health Insurance Claims Procedure

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Portability Portability

Steps to port your existing health insurance to a new health insurance policy by a different company.

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Care Network of hospitals Care Network of hospitals

Care insurance plan network hospital list.

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Tax benefits Tax benefits

Tax deduction on health insurance premium paid for you, your family and your parents.

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