Care Heart Plan vs Criticare Plus Health Insurance Plan 2026 | PolicyX

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Care Heart is a unique plan launched by Care Health Insurance that provides the flexibility to choose from benefits like active heart health check-ups, OPD care, home care, international second opinion, and more, according to the plan suitable for your needs. Care Health Insurance is designed to serve policyholders in terms of cardiac ailments.

Care Heart Health Insurance is a plan providing a financial safety net for medical emergencies and the freedom to avail quality healthcare in more than 20800+ network hospitals. The Care Heart Health Insurance offers annual health check-ups to monitor medical conditions.

Care Heart Plan offers two optional add-on covers: Home Care and Care Shield.

PLAN DETAILS

Care Heart Plan

Criticare Plus

Product Type Critical Illness Health Insurance Critical Illness Health Insurance
Key Features
(Key features of the plan)
  • Coverage for OPD
  • Home care available
  • International 2nd opinion
  • Cover 1 family member
  • 30% Co-payment
  • Non-allopathic treatments
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Covered Not Covered
Room Rent
(A limit of room rent cover during hospitalization if any)
Covered Covered
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Covered Not Covered
Pre-hospitalization
(Expenses before the insured is hospitalized)
Covered Covered
Post-hospitalization
(Expenses after discharge from the hospital)
Covered Covered
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Covered Not Covered
Hospital_network
(Number of Hospital Network in city)
11400+ 14000
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
Covered Covered
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
Not Covered Not Covered
Ambulance Charges
(Expenses incurred on ambulance charges)
Covered Covered
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
Not Covered Not Covered
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
Not Covered Not Covered
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Covered Not covered
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Covered Applicable
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
Covered Applicable
Plan Entry Age Min-18 Years, Max-Lifelong 18 to 65 years
Plan Premium Entry Age and S/A 13,233 8400
Plan Waiting Period 30 90
Plan Coverage In-patient hospitalization, pre (30 days) & post (60 days) hospitalization, daycare procedures, domiciliary hospitalization, AYUSH treatment, ambulance cover, cardiac check-ups, global cover (higher SI), air ambulance, OPD (add-on) -
Plan Sample Premium 13,233 -
Plan Brochure Brochure URL Brochure URL
Policy Term 1, 2, 3 Years 1 Year
ICU Charges Covered Covered
Covid-19 Treatment Covered Not Covered
Cataract Covered Covered
Automatic Restoration Covered Not Covered
Ayush Treatment Covered Covered
Modern Treatment Not Covered Covered
E Consultation Not Covered Not covered
Air Ambulance Not Covered Not covered
Global Coverage Not Covered Not covered
Claim Ratio 97 99.06
Solvency Ratio 1.74 2.21
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