Care Health insuranceCare Super Mediclaim Heart health insurance

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Care Heart insurance policy

Super Mediclaim is an Indemnity based Health Insurance Product that offers comprehensive coverage against critical illnesses such as cancer, major heart ailments, organ transplants & even critical surgeries.

Care Health Insurance Review

Description
Sum insured

USD 4lacs/600Lac options available

List
Tenure options

1, 2, 3 years options available

Local_Hospital
Claims incurred ratio *

59.00%

Medication
Claims settlement ratio **

86.63%

Ambulance
List of network hospitals

19,000+ hospitals

Table
Number of Policies issued *

1,178,380

Group
Number of lives covered *

7,342,207

Diversity_3
Maximum family floater coverage

Self, Spouse + dependent (children + parents)

* As per IRDAI report   |   ** As per NL25 data published on the Insurance Company website

Care Super Mediclaim Heart insurance plan highlights

  • Key features of Super Mediclaim Heart insurance plan

    Some of the key features of this plan include:
    • Five Sum insured options from ₹10 lacs to ₹2 crores
    • Covers the following defined Heart Related Critical Illnesses
      • 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
    • 30/60 Pre and post hospitalization medical expenses covered
    • No Claims Bonus (NCB) offered for claim free renewals
    • Lifelong Renewability – no exist age for renewing the policy even if claims have been filed
    • Option of Equated Monthly/Quarterly Instalments
    • Room Rent Modification option available to the insured
    • International Second Opinion available while availing treatment for cancer
    • Outpatient Treatment Expenses covered under this plan for Diagnostics, Pharmacy & Consultations
    • Air Ambulance Cover during medical emergencies
    • Quick Recovery Counselling
    • Health Portal *** – insured members have access to an informative health portal providing relevant information at all times.
    *** Salient Features of the Health Portal
    • Search the best deal in location of the insured
    • Discount on all Healthcare and wellness services like Doctor Consultations, Diagnostics, Pharmacy, Dental Consultation and treatment
    • Comprehensive details on Doctors like qualification & appointment details.
    • Access to Right Healthcare Service, at right time and place.
    • Symptom tracker
    • Ailment to specialty tracker
    • Automated discount coupon download
    • 24x7 on call support
  • Eligibility to buy Care Super Mediclaim Heart insurance plan

    Sum Insured 10 Lakh | 25 Lakh | 50 Lakh | 1 Crore | 2 Crore
    Covered Conditions (Illnesses/Diseases/Surgeries) Heart related Critical illnesses
    Entry Age 5 years to 50 Years on Individual Basis
    Pre - policy Issuance Medical Check up No Medicals##
    Tenure 1/2/3 Years
    Premium Payment Mode *** Single/Monthly
    Sub Limits:
    Room Rent Eligibility Single Private Room / No limit ^
    ICU Charges No limit
    Wait Period:
    Initial Waiting Period 90 Days
    Pre - existing Disease 48 months
    *** Terms and Conditions Applicable
    ##at the discretion of the Underwriter.
    ^with optional benefit Room Rent Modification. Note: Other SI / Age band options also available.
  • Coverages under Care Super Mediclaim Heart insurance plan

    Sum Insured (all figs in ₹ INR) 10 Lakh | 25 Lakh | 50 Lakh | 1 Crore | 2 Crore
    Plan Name Heart Mediclaim
    Sum Insured (all figs in ₹ INR) 10 Lakh | 25 Lakh | 50 Lakh | 1 Crore | 2 Crore
    Benefits
    In-Patient Care Up to SI
    Day Care Treatment Listed as per the Plan, Up to Sum Insured
    Pre-Hospitalization and Post-Hospitalization Pre-Hospitalization for 30 days & Post-Hospitalization for 60 days; Maximum up to SI
    Ambulance Cover Up to ₹3000 per hospitalization
    Organ Donor Cover Up to SI or 15 L whichever is lower
    Second Opinion Once per Covered Condition per policy year
    No Claim Bonus* 50% / 25% / 25% - Corresponding increase in SI for 1st, 2nd and 3rd continuous claim-free Policy Years respectively, Max up to 100% of SI(50%/25/25%-Corresponding decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCB)
    International Second Opinion# Once per Covered Condition per policy year
    Room Rent Eligibility Single Private Room / No limit^
    Air Ambulance# Up to Rs. 5 Lakhs
    Health Services
    Quick Recovery Counselling Up to Rs 1000 Per Session, Maximum 8 Sessions Post Hospitalization in a Policy year( can be availed twice in a month)
    Doctor on Call Yes(Telephonic/Online Mode)
    Health Portal Value added services through Company’s Website
    Global Coverage: Coverage outside India - 45 continuous days in a single trip; Max. 90 days on a cumulative basis, in a Policy Year. 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 (Diagnostics + Consultations + Pharmacy ) Up to 1% of SI ,Max up to Rs 25,000
    Benefits
    Hospitalization Expenses  
    In-Patient Care Up to SI
    Day Care Treatment Up to SI
    Pre-Hospitalization and Post-Hospitalization 30 days/60 days
    Chemotherapy and Radiotherapy Cover Up to SI
    Ambulance Cover Up to Rs 3000 per hospitalization
    Organ Donor Cover Up to SI or 15 L whichever is lower
    Second Opinion Once per Covered Condition per policy year
    No Claim Bonus* 50% / 25% / 25% - Corresponding increase in SI for 1st, 2nd and 3rd continuous claim-free Policy Years respectively,Max up to 100% of SI(50%/25/25%-Corresponding decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCB)
    International Second Opinion# Once per Covered Condition per policy year
    Room Rent Eligibility Single Private Room / No limit^
    Air Ambulance# Up to Rs. 5 Lakhs
    Annual Health Check-up Annual from 2nd Policy Year on Continuous Coverage
    Health Services
    Quick Recovery Counselling Up to Rs 1000 Per Session, Maximum 8 Sessions Post Hospitalization in a Policy year( can be availed twice in a month)
    Doctor on Call Yes(Telephonic/Online Mode)
    Health Portal Value added services through Company’s Website
    Global Coverage: Coverage outside India - 45 continuous days in a single trip; Max. 90 days on a cumulative basis, in a Policy Year. 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 (Diagnostics + Consultations + Pharmacy ) Up to 1% of SI ,Max up to Rs 25,000
    #Optional Benefit.
    ^with optional benefit Room Rent Modification.

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