Network hospitals
9747+
Incurred claim ratio
53.82%
Sum insured
Up to 6 CR
No. of Plans
14
Solvency Ratio
1.8
Pan India Presence
-
PolicyX.com is a Recognised Care Partner View Certificate
Network hospitals
9747+
Incurred claim ratio
53.82%
Sum insured
Up to 6 CR
No. of Plans
14
Solvency Ratio
1.8
Pan India Presence
-
PolicyX.com is a Recognised Care Partner View Certificate
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 Health Insurance Plan Detailed Review
Care Health Insurance for Heart Patients
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.
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
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
In-patient & Out-patient coverage
Room Rent
Single Private Room
ICU Charges
No limit
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
Covered
Cataract
Covered Up to INR 30k
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
In-patient & Out-patient coverage
Room Rent
Single Private Room
ICU Charges
No limit
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
Covered
Cataract
Covered Up to INR 30k
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 3K
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
In-patient & Out-patient coverage
Room Rent
Single Private Room
ICU Charges
No limit
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
Covered
Cataract
Covered Up to INR 30k
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 3K
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
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:
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.
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
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.
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.
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.
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.
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.
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 Covered.
A common eye condition in which your vision gets blurred.
Coverage status under Care Heart Plan?
The plan covers cataract treatment expenses
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.
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.
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
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.
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.
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:
Coverage status under Care Heart Plan?
New Born Baby Cover is not available under the care heart plan.
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.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Care Heart Plan?
Not available.
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.
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
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.
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
Any kind of medical/health emergency when you are outside of India.
Coverage status under Care Heart Plan?
Not available
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.
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.
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
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.
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
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
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
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
Get tax relief under section 80D
Avail total knee replacement
Health check-up
Avail additional benefits
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
Care Heart offers the insured individual a total knee replacement surgery coverage Up to Rs. 1,20,000 per knee.
Care Health Care Heart Plan offers annual heart health check-ups.
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.
Care Health Insurance offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.
Comprehensive
A comprehensive health plan for individual and family with SI of 3 lacs to 6 Cr. with global coverage.
Unique Benefits
Comprehensive
A plan designed to provide coverage for the high expenses occurred from major surgeries and procedures.
Unique Benefits
Flexible
A flexible health plan that covers advanced technology methods, unlimited e-consultations and personal accidents.
Unique Benefits
Comprehensive
A comprehensive family floater plan that decides your policy premium based on the living cost of the city you reside in.
Unique Benefits
Affordable
Enjoy the advantage of 1 crore cover and multiple benefits at lower monthly premiums with this affordable individual & family floater plan.
Unique Benefits
Maternity
A maternity health insurance plan with child cover. This plan protects individuals and families during medical emergencies.
Unique Benefits
Standard
A standard comprehensive plan mandated by IRDAI that offers coverage for both Ayurvedic or Allopathic treatments.
Unique Benefits
Diabetes & BP
Get medical coverage for pre-existing diseases like BP, diabetes without any waiting period by bearing a co-pay of 20-30%.
Unique Benefits
Cancer Care
Offers lifelong coverage against cancer and the cost of its treatment with several other benefits.
Unique Benefits
Top-Up Plan
A super top-up health insurance plan to provide extra medical cover on the basis of policy deductible principle.
Unique Benefits
Senior Citizen Plan
Comprehensive health plan for people above 60 to make their second inning stress-free from health-related financial worries.
Unique Benefits
Critical Illness Plan
Offers coverage against 32 critical illnesses that are pre-defined under the policy such as catastrophic burns, coma, etc.
Unique Benefits
Supreme Plan
A unique healthcare plan offering extensive coverage to individuals and families under a single plan with affordable premiums.
Unique Features
Supreme Plan
A unique personal accident plan covering serious ailments arising due to accidents and safeguarding your family
Unique Benefits
Supreme Plan
This plan is exclusively designed to provide 32 defined critical illness treatment cover to the policyholders and also offers psychiatric counselling.
Unique Benefits
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
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