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Care Heart Health Insurance Plan

Your heart is an important organ in your body that produces blood and oxygen to keep you survive. But what if your organ starts facing difficulty in pumping blood to your body. Since the surgical and medical treatment costs are on the higher side, you cannot overlook heart insurance policy that acts as a safety cover for your savings against the rising healthcare costs.

That’s the reason, you must choose a Care Heart plan that offers insurance for heart diseases. if you are diagnosed with cardiac disease in the past or has already undergone cardiac surgery or related procedure, the plan offers maximum coverage and protection.

It is no denying the fact that pre-existing heart diseases are more vulnerable to emergencies. When you choose the Care Heart plan, you are likely to safeguard yourself in times of crises and get covered from uncertainty.

Eligibility Criteria

Entry Age (Minimum)18 years
Entry Age (Maximum)No Maximum Age
RenewabilityLife-Long
Type of Cover

Individual: Maximum 6 persons in a Policy

Floater:2 Adults (self and spouse)

Period1/2/3
Day Care TreatmentAvailable
SuitabilityPerson/either one Person in the case of a Floater Policy with two Adults who have previously been diagnosed with a cardiac ailment/disorder and have had a cardiac surgical intervention or procedure for the same.

Features & Benefits of Care Heart Plan

Listed below are the potential features and benefits of the Care Heart Plan:

  1. Pre-Hospitalization & Post-Hospitalization Medical Expenses: Medical costs are not limited to hospitalisation fees; with Care Heart, you are also covered for pre-hospitalization and post-hospitalization costs. All you have to do now is concentrate on your treatment and recovery – the insured are protected for 30 days before admission and 60 days following discharge (maximum up to 5 percent of the Sum Insured).
  1. Cardiac Health Check-up: Care health shall organize a Cardiac Health Check-up on a cashless basis at its network provider or any other empanelled providers in India upon request for the set of medical tests specified in the policy as per the Sum Insured. For each insured covered by the Policy, this benefit will be accessible only once throughout the policy year.
  1. No Claims Bonus: In any instance, the No Claims Bonus will not exceed 50% of the Sum Insured under the policy, and if a claim is made during the policy year, the No Claims Bonus will be reduced by 10% of the sum insured, but the Total Sum Insured will never be less than the Sum Insured.
  1. Automatic Recharge: It’s never too late for a refill! As a result, your sum covered is reinstated precisely when you require it. If you ever use the full limit of Sum Insured due to claims and thereby run out of/exhaust your health coverage, we will promptly reinstate the entire sum insured once during the policy year. This amount can be used for future claims that are not related to any illness or injury for which a claim has previously been accepted for You during that Policy Year.
  1. Domiciliary Hospitalization: You may not be in a condition to be transferred to a hospital, or a hospital room may not be available at the moment you require medical treatment. We will pay you up to the Sum Insured for Medical Expenses incurred during your treatment at home, as long as it entails medical care for more than three days in a row. In the case of a claim made under this benefit, ‘Pre-Hospitalization Medical Expenses and Post-Hospitalization Medical Expenses’ will be paid.

Care Heart Plan Details

Sum InsuredRs. 3 LakhsRs. 5 LakhsRs.7 LakhsRs. 10 Lakhs
In-patient HospitalizationDepending on Your Sum Insured
Day Care TreatmentUp 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 TreatmentsUp to 25% of the Sum Insured
Cardiac Health Check-upAnnually
Initial Waiting Period30 Days
Co-payment

20% Co-payment if the entry age<=70 years

30% Co-payment if the entry age>70 years

Pre-existing Diseases24 Months
Pre-policy Issuance Medical CheckupNone
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

Things You Won’t Find in Care Heart Plan

Here’s the list of the things that are excluded under the Care Health Plan:

  1. Expenses incurred as a result of self-injury as a result of suicide or attempted suicide.
  2. Treatment-related to or resulting from pregnancy, childbirth, abortion, miscarriage, and other related events.
  3. Fertility tests and arrangements, including in vitro fertilisation.
  4. Hospitalization due to war, strike, turmoil, and nuclear weapons assaults.
  5. Internal Congenital Disease.

Premium Calculation of the Care Heart Plan

Listed below are the steps that you need to follow to calculate the premium for your Care heart Plan.

  1. Go to the official website of Care Insurance.
  1. After that, hover over the health insurance tab on the status bar and find “Care Heart”. Click on it.
  1. You will then be directed to the Care Heart Plan wherein you will find a small box on the right “Get Quote in 1 min”.
  1. After that, you will need to enter your mobile number and Pincode. Then, click on “Get Quote”.
  1. Then, you will need to enter your name and email id in the box. Then, click on “Next”.
  1. After that, simply choose the no. of children, no. of adults, and the age of the eldest member that you want to insure.
NameNo. of persons to insure

No. of children

To insure

Age of eldest memberCoverage (in lakhs)Policy Term

Premium

Amount

Rahul1025-35 years3 Lakhs1 YearRS. 9100
Tina2036-40 Years5 Lakhs2 YearsRs. 37827
Priyanka2046-50 years7 lakhs3 yearsRs. 114235

Frequently Asked Questions

Here is the list of the frequently asked questions related to the Care Heart Plan.

Yes, the policy can be purchased as a floater. Floater plans, on the other hand, would only cover two adults under one insurance. The policy would have to be taken on an individual sum insured basis for dependent children.

Care Health offers a 30-day free trial period to study the terms and conditions of its policies. If one is dissatisfied with the results, they can request cancellation of their coverage during this time.

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.

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