Care Formerly Religare Super Mediclaim Heart health 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) 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(Formerly Religare) Health Insurance Review

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

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Care (Formerly Religare) 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 (Formerly Religare) 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 (Formerly Religare) 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.
Care(Formerly Religare) health insurance
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