Care Health Care Heart Plan
  • Coverage for OPD
  • Home care available
  • International second opinion
premium

Network hospitals

20800+

premium

Claim settlement ratio

100%

premium

Sum insured

1 CR

premium

No. of Plans

13

premium

Solvency Ratio

1.81

premium

Pan India Presence

-

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

20800+

premium

Claim settlement ratio

100%

premium

Sum insured

1 CR

premium

No. of Plans

13

premium

Solvency Ratio

1.81

premium

Pan India Presence

-

Care Health Care Heart Plan

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 2nd opinion and more according to the plan suitable for your needs. Care Health Insurance is designed to serve the insurer 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 of quality healthcare in more than 20800+ network hospitals. The Care Heart Health Insurance offers the facility of annual health check-ups for monitoring the medical condition.

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

Care Heart Plan Specifications

Care Enhance is a super top-up plan based on the principle of policy deductible. To get a better idea about the Care health insurance super top up plan, look below at its specifications and the eligibility criteria.

Child Entry Age

Minimum: Children- 18 years

Adult Entry Age

Adult: 18 Years
Maximum: Lifelong

Sum Insured

3 L | 5 L | 7 L | 10 L

Plan Type

Individual/ Family Floater

Policy Term

1/2/3 Years

Initial Waiting Period

30 Days*

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

Choose your Care Heart Plan

With wide coverage options, Care Heart Insurance plan lets you customize your health insurance plan as per your requirements:

In-patient & Out-patient coverage

Room Rent

Up to 1% of SI per day

ICU Charges

Up to 2% of SI per day

Pre-Hospitalization

Covered up to 30 days

Post-Hospitalization

Covered up to 60 days

Domiciliary Hospitalization

Covered Up to 100% of Sum Insured

Daycare Treatment

Covered Up to Sum Insured

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Covered Up to INR 20k

No Claim Bonus

Available up to 50% of SI

Automatic Restoration

Applicable up to 100% of SI

Daily Hospital Cash

Not Covered

Organ Donor

Not Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Covered up to 25% of SI

IVF Treatment

Not Covered

Modern Treatment

Not Covered

Emergency Coverage

Ambulance

Covered up to INR 2K

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Covered Annually

Second Medical Opinion

Available

Vaccination

Not Available

Limitations

Co-payment

Applicable, 30% co-pay on all claims

Sub-limits

Available

What is Room Rent?

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Care Heart Plan?

Under Care Heart Plan, the room rent is covered up to 1% of SI per day.

Under Care Heart Plan, the room rent is covered for a Single private room for SI> INR 3 Lakh.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Care Heart Plan Plan?

Under Care Heart Plan, ICU charges are covered up to 2% of SI per day.

Under Care Heart Plan, ICU charges have no limit for SI> INR 3 Lakh

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Care Heart Plan?

This plan covers medical expenses incurred during pre-hospitalization for up to 30 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Care Heart Plan?

This plan covers medical expenses incurred during post-hospitalization for up to 60 days.

What is Domiciliary Hospitalization?

Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under Care Heart Plan?

Under Care Heart Plan, domiciliary hospitalization is covered Up to 100% of SI covered after 3 days.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Care Heart Plan?

This plan covers the expenses of daycare treatment up to Sum Insured.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.

Coverage status under Care Heart Plan?

This plan covers OPD charges.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved Centre.

Coverage status under Care Heart Plan?

COVID-19 treatment coverage is not available under this plan.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Care Heart Plan?

The plan covers cataract treatment expenses

  • Up to INR 20K for SI 3 Lakh INR
  • Up to INR 30K for SI> 3 Lakh INR
What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Care Heart Plan?

The cumulative bonus will be increased by 10% in respect of each claim-free policy year to a maximum of 50% of the sum insured.

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Care Heart Plan?

Automatic restoration is available, 100% of the original Sum Insured upon exhaustion of SI.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under Care Heart Plan?

The daily hospital cash is not available

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Care Heart Plan?

Under the plan, Organ Donor expenses are not covered.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedure deliveries.

Coverage status under Care Heart Plan?

Maternity expense is not covered under the care heart plan.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Care Heart Plan?

New Born Baby Cover is not available under the care heart plan.

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Care Heart Plan?

Covered under Care Heart Plan up to 25% of Sum Insured.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Care Heart Plan?

Not available.

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Care Heart Plan?

Under Care Heart Policy modern treatments are not covered.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.

Coverage status under Care Heart Plan?

Covered Up to SI under Care Heart Plan

  • Up to Rs 2,000 per Hospitalization for SI< 5 Lakh INR
  • Up to Rs 3,000 per Hospitalization for SI> 7 Lakh INR
What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Care Heart Plan?

Not Covered.

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholder get admitted to a hospital outside his/her residential city.

Coverage status under Care Heart Plan?

Not available

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Care Heart Plan?

Not available

What is E-Consultation?

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Care Heart Plan?

The plan does not cover e-consultations.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.

Coverage status under Care Heart Plan?

Under the Care Heart plan, an annual heart health checkup is available.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under Care Heart Plan?

Not Available

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Care Heart Plan?

The plan does not cover vaccination expenses.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under Care Heart Plan?

Applicable

  • 20% Co-payment if the entry age <= 70 years
  • 30% Co-payment if the entry age > 70 years
What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Status under Care Heart Plan?

Applicable

  • Cataract
  • Up to INR 20K for SI 3 Lakh INR
  • Up to INR 30K for SI> 3 Lakh INR

Other Health Insurance Companies

Care Heart Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under Care Heart Plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Congenital disease

Infertility and in vitro fertilization

Miscarriage, and abortion

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Listed ailments after 24 Months

Pre-existing diseases 24 Months

Care Heart Plan Benefits

Tax Benefits

Get tax relief under section 80D

Knee Replacement

Avail total knee replacement

Cardiac health check-up

Health check-up

Add on-covers

Avail additional benefits

Tax Benefits

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Knee Replacement

Care Heart offers the insured individual a total knee replacement surgery coverage Up to Rs. 1,20,000 per knee.

Cardiac health check-up

Care Health Care Heart Plan offers annual heart health check-ups.

Add on-covers

Care Heart offers additional coverage options such as home care and care shield under this plan. Home care provides coverage for expenses incurred toward hiring a qualified nurse for providing medical care to the insured person.

Explore Care Health Insurance

Care health insurance has an easy and hassle-free buying and claim process. Know more about Care Health Insurance plans, claim process, buying process, and contact details of the company by clicking on the sections below:

Claim Process

Click to know Care Health Insurance Claim Process.

Buying Process

Click to know Care Health Insurance Buying Process.

Contact Us

Feel free to contact Care Health Insurance for more details.

Renewal Process

Click here to Renew Care Health Insurance Online

Premium Calculator

Click here to Care Health Insurance Premium Calculator

%

Claim Settlement Ratio

Click to know Care Health Insurance Claim Settlement Ratio

Explore Other Care Health Insurance Plan

You can find other popular mediclaim policies offered by the Care Health Insurance company in the section below:

A comprehensive health plan for individual and family with SI of 3 lacs to 6 Cr. with global coverage.

Unique Benefits

  • In-built maternity cover
  • No upper age limit for enrollment
  • Coverage for modern treatments

Comprehensive health plan for people above 60 to make their second inning stress-free from health-related financial worries.

Unique Benefits

  • No pre-policy Medical Checkup
  • Lifelong Renewability
  • Automatic SI Recharge

Get medical coverage for pre-existing diseases like BP, diabetes without any waiting period by bearing a co-pay of 20-30%.

Unique Benefits

  • No pre-policy checkup needed
  • Dialysis cover available
  • Annual Health Checkup

A maternity health insurance plan with child cover. This plan protects individuals and families during medical emergencies.

Unique Benefits

  • 100% increase in SI as NCB
  • Newborn Cover
  • 541 day care treatments covered

A comprehensive family floater plan that decides your policy premium based on the living cost of the city you reside in.

Unique Benefits

  • Covers IVF treatment
  • Compassionate travel coverage
  • Unlimited e-consultation

Enjoy the advantage of 1 crore cover and multiple benefits at lower monthly premiums with this affordable individual & family floater plan.

Unique Benefits

  • No bonus claim up to 50%
  • Automatic SI recharge
  • Organ donor cover

Care Arogya Sanjeevani

A standard comprehensive plan mandated by IRDAI that offers coverage for both Ayurvedic or Allopathic treatments.

Unique Benefits

  • AYUSH Treatment
  • Pre and Post hospitalization
  • 5% cumulative bonus

Care Cancer Mediclaim

Offers lifelong coverage against cancer and the cost of its treatment with several other benefits.

Unique Benefits

  • Annual Health Checkup
  • Chemo and radiotherapy cover
  • Air Ambulance Cover

Care Critical illness

Offers coverage against 32 critical illnesses that are pre-defined under the policy such as catastrophic burns, coma, etc.

Unique Benefits

  • Psychiatric Counselling
  • Dialysis Cover
  • Organ Donor Cover

Care for 45+

A comprehensive plan that takes care of your medical needs in your late 40s.

Unique Features

  • Organ Donor
  • Emergency Ambulance
  • Annual Health Checkup

Individuals with pre-existing cardiac diseases can get coverage against medical treatments by paying 20-30% of co-payment for every claim.

Unique Benefits

  • Cardiac Health Checkup
  • Second medical Opinion
  • Automatic SI Restoration

Extremely flexible family health plan, allowing you to increase SI amount based on inflation rates.

Unique Benefits

  • 200% increase in cumulative bonus
  • Earn rewards for being fit
  • Unlimited SI recharge

Care Health Insurance Network Hospital List

Care Health Insurance promises a wide Network of cashless Hospitals across India. A well connected network of over 20800+ cashless hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in

Health Insurance Articles

What is OPD Cover?

What is OPD Cover?March, 2022

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Mahesh Malvesh

Delhi

September 14, 2022

Thanks Manoj for suggesting Best plan and even for your patience level with good knowledge and exp l..really happy to see policy x help and Good exp in industry.. Keep going Good always in fut...

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Delhi

May 25, 2022

I am in love with the facilities Religare Health Insurance offers. It is one of the best health insurance companies available in the market at the moment. I would definitely recommend this to e...

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Niyati

Rajkot

February 17, 2022

I am using their health insurance and used it for COVID19 treatment. I am so happy that covid treatment was handled by them. due to lockdown, i was facing money-related problems but their cashl...

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Dehradun

August 16, 2021

Very nice company. I am very happy and fully satisfied with its services. God bless us all. 5 star to the whole team... WELL-DONE

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Nayan

Guwahati

August 16, 2021

Religare Health Insurance is a nice company. and the way PolicyX.com helps its customers in understanding the process is commendable. I am very much impressed.

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Manish Singhal

Ahmedabad

August 6, 2021

PolicyX helps me to find the best suitable plan for me and my family. They have a very professional salesperson and also I am very much happy with the service of Religare Health.

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Sapna Khurana

Pune

August 6, 2021

One of the best health insurance company I have ever come across. Thank you PolicyX.com for assisting me at every step. I must say the team of PolicyX is very patient and hard-working. Thanks o...

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Raj Kumar

Chandigarh

August 6, 2021

Received my reimbursement claim amount within a span of 8 days. Thank you POlicyX.com for helping me out in choosing such a great company. Keep up the good work Religare

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