Care Formerly Religare Care Heart insurance

Care Formerly Religare health insurance quotes

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

Care Formerly Religare Care 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.

Care(Formerly Religare) Health Insurance Review

Sum Insured
4 lacs – 600 lacs options available
Tenure Options
1, 2, 3 years options available
Claims Incurred Ratio *
Claims Settlement Ratio **
List of Network Hospitals
7,400+ hospitals
Number of Policies issued *
Number of Lives Covered *
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

Request a Call Back

Name is required
Email is required
Contact is required
Thank you for contacting us

Care (Formerly Religare) 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 Lifelong
Exit age No Exit age
Policy Term 1/2/3 Years
How can You cover Yourself Individual basis (maximum up to 6 Persons having same/different Sum Insured) or Floater basis
Cover Type Individual: Maximum up to 6 Persons.
Floater : 2A (Self and Spouse)
Who are covered (Relationship with 1. 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.

Family Floater: Self, Legally married spouse, son, daughter, father, mother, employee and his/her dependents (Legally married Spouse, Children & Parents) or any other relationship having an insurable interest
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

Coverages under Care (Formerly Religare) Care Heart insurance plan

Sum Insured (all figs in ₹ INR) 2,00,000 3,00,000 4,00,000 5,00,000 7,00,000 10,00,000
Deductible No deductible/10K/25K/50K/1L/2L/3L
Pre Policy Issuance Health Check-up None
Inpatient Treatment Upto Sum Insured
Day Care Treatment Upto Sum Insured
Pre / Post Hospitalisation Coverage Pre-Hospitalization for 30 days & Post-Hospitalization for 60 days; Maximum upto 5% of SI
Alternate Treatment Upto 25% of Sum Insured
Ambulance Cover Upto 2,000 Upto 3,000
Domiciliary Hospitalisation up to 100% of Sum Insured covered after 3 days
Automatic Recharge 100% of original SI upon exhaustion of SI
No Claim Bonus (NCB) 10% increase in SI per Policy Year in case of claim-free year; Max upto 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)
Waiting Periods
Initial Waiting Period 30 days
Specific Waiting Period 24 month
Pre Existing Diseases 24 months
Co Pay 20% / 30% per claim
Room Rent / Category Upto 1% SI per day Single Private Room
ICU Charges Upto 2% SI per day No Limit
Cataract Treatment Expenses Upto 20,000 per Eye Upto 30,000 per Eye
Knee Replacement Treatment Upto 70,000 per knee Upto 80,000 per knee Upto 1,00,000 per knee Upto 1,20,000 per knee
Treatment for each and every Ailment / Procedure mentioned below:- i. Surgery for treatment of all types of Hernia ii. Hysterectomyiii. Surgeries for Benign Prostate Hypertrophy (BPH) iv. Surgical treatment of stones of renal system. Upto 35,000 Upto 50,000 Upto 55,000 Upto 65,000 Upto 80,000
Treatment for each and every Ailment / Procedure mentioned below:- i. Treatment Cerebrovascular disorders ii. Treatments/Surgeries for Cancer, iii. Treatment of other renal complications and Disorders iv. Treatment for breakage of bones Upto 1,50,000 Upto 2,00,000 Upto 2,25,000 Upto 2,50,000 Upto 3,00,000
Optional Covers
OPD Care Up to 2k/3k/5k/7k/10k/15k/20k/25k for consultations/diagnostics/pharmacy; Max. up to 50% of covered amount for diagnostics.
International Second Opinion Once per Major Illness / Injury per policy year
Home Care 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
Active Health Check Up 3 times a year
Heart Health Check Up Annually

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(Formerly Religare) health insurance
Compare health insurance quotes - Find the best Care(Formerly Religare) health insurance
Call Agent: 080-4110 1026

Search Care(Formerly Religare) health insurance

Welcome to NRIOL Indian Insurance  - Online Chat
Name is required
Email is required Email is invalid
Contact is required

NRIOL.COM, the premier online community since 1997 for the Non Resident Indians. NRIOL provides a range of resourceful services for immigrants and visitors in the US, the UK, UAE, Australia and other nations with large NRI communities.


NRI Online Pvt. Ltd.

Phone: +91-80-41101026


Estd. 1997 © Copyright NRI Online Pvt. Ltd. All rights reserved worldwide.