Care Super Mediclaim Heart health insurance

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

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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 Super Mediclaim Heart insurance plan highlights

  • Key features
  • Eligibility
  • Coverages

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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