Care Heart Health Insurance Plan

Care Heart Health Insurance Plan - BimaBandhu

In a world where cardiac ailments are on the rise, a robust health insurance plan tailored to address these needs is paramount. 

Care Health Insurance has crafted this plan to serve as a financial safety net during medical emergencies arising from cardiac issues. With access to over 11,000 cashless hospitals, policyholders have the freedom to avail themselves of quality healthcare without the burden of immediate out-of-pocket expenses.

What sets Care Heart Health Insurance apart is its proactive approach to health management. The policy includes an annual health check-up, allowing individuals to monitor their medical condition regularly. This preventive measure can potentially detect issues at an early stage, facilitating timely intervention and treatment.

This guide aims to provide a detailed understanding of the Care Heart Health Insurance Plan, ensuring you make an informed decision about your health coverage.

Care Heart Health Insurance Policy: Key Benefits

  • Policy Type: Cardiac Policy for Heart Patients
  • Cashless Benefits: Access to 1100+ Network Hospitals
  • Claim Settlement Ratio: 92.3%
  • Annual Check-up for regular Health Monitoring
  • Sum Insured (SI) Options: Varied coverage ranging from 3 lakh, 5 lakh, 7 lakh, to 10 lakh
  • Lifelong Renewability: Available

Recommended Read: What Does Care Critical Illness Insurance Plan Offer?

Coverage Offered by Care Heart Health Insurance Policy

  • Extended coverage tenure

While recognizing the significance of long-term healthcare and monitoring for heart ailments, the Care Heart Health Insurance policy offers coverage for tenures of 1, 2, or 3 years. This extended coverage period aligns with the nature of heart-related conditions, ensuring comprehensive and sustained support for policyholders.

  • In-patient Care

The policy ensures cashless reimbursement for all incurred expenses related to hospital treatment lasting more than 24 hours. This includes a wide array of medical services crucial for managing heart-related issues.

  • Day Care Treatment

The policy provides cashless reimbursement for treatments and procedures requiring a hospital stay of less than 24 hours. This feature acknowledges the advancements in medical technology that allow for efficient and swift treatments without prolonged hospital stays.

  • Pre and Post Hospitalization

Care Health Insurance goes beyond in-patient care by covering Pre and Post hospitalization medical expenses. Policyholders receive reimbursement for medical costs incurred 30 days before and 60 days after hospitalization.

  • Domiciliary Treatment

Recognizing that certain medical conditions can be managed at home, the policy covers domiciliary treatment expenses. This provision caters to situations where medical treatment at home, which would typically require hospitalization, becomes necessary under normal circumstances.

With all these coverage benefits, you can enjoy peace of mind, knowing that the policy caters to the evolving landscape of medical treatments.

Optional Benefits Care Heart Health Insurance Plan – Overview

  • Access to complimentary active health check-ups three times a year, empowering you to stay proactive about your well-being
  • Convenience of OPD care coverage, ensuring you receive necessary medical attention without the need for hospitalization
  • Convenience of home care services, allowing you to receive medical treatment in the comfort of your own home when deemed appropriate
  • International coverage option, ensuring you receive medical assistance and coverage even when traveling abroad
  • Tax deduction under Section 80D of the Income Tax Act, 1961, for the premium paid towards your health insurance policy, in accordance with prevailing laws

Care Health Insurance is dedicated to delivering a customized and thorough approach to cardiac health coverage, guaranteeing that individuals receive the essential support and benefits needed to manage their health effectively. 

Care Heart Health Insurance Policy: Inclusions

  • Alternative treatment (AYUSH), including Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH), up to 25% of the Sum Insured
  • Ambulance expense cover, with an individual limit per hospitalization
  • Co-payment based on the insured’s entry age (For individuals with an entry age equal to or less than 70 years, the co-payment is set at 20% of the total incurred expenses. If the entry age exceeds 70 years, the co-payment increases to 30%)

These additional inclusions further enhance the Care Heart Health Insurance Policy, reflecting a commitment to meeting the evolving healthcare needs of policyholders. 

Care Heart Health Insurance Policy: Exclusions

  • A 30-day waiting period applies from the policy’s commencement before the insured can claim benefits. This initial waiting period ensures the policy is not utilized for immediate health concerns upon purchase.
  • For listed specific ailments, there is a waiting period of 24 months before the insured can claim the policy’s benefits. 
  • A waiting period of 24 months is applicable for all Pre-Existing diseases.
  • Injuries or diseases originating from perils of war, terrorism, nuclear contamination, and other external factors are excluded from the coverage of the Care Heart Health Insurance Plan.
  • The policy expressly excludes coverage for any form of cosmetic treatment or surgery.
  • Diseases resulting from substance abuse or intoxicants are excluded from the cover.

Understanding these inclusions and exclusions is crucial for a transparent comprehension of the Care Heart Health Insurance policy. 

Eligibility Criteria for Care Heart Health Insurance Policy

  • Type of Policy: Both individual and family floater options available
  • Minimum Entry Age: 18 years and above
  • Maximum Entry Age: No upper age limit for entry
  • Lifelong Policy Renewability: Available
  • Number of People Covered: Maximum six persons
  • Residential Status: Indian residents

Whether you are an individual seeking personal coverage or a family looking for a comprehensive plan, these criteria provide a clear framework for determining your eligibility and securing the benefits of this policy.

Understanding the Free Look Clause for Care Health Insurance

The free look clause offers a defined process for policyholders and grants the insured the freedom to cancel the policy and seek a refund within a specified period. The typical free look period is 15 days from the commencement of the policy. During this time, the insured can carefully review the terms and conditions of the policy and decide if it aligns with their expectations and requirements.

For those who purchase the Care Heart Health Insurance online, an extended Free Look period of 30 days is applicable. 


For which ailments or procedures does the Care Heart Health Insurance Policy have sub-limits?

The Care Heart Health Insurance policy applies sub-limits to various medical conditions and procedures, including but not limited to Cataract, Total Knee Replacement, Hernia surgery, Hysterectomy, Renal Stones, and treatment/surgery for Cancer. These sub-limits ensure clear guidelines on the maximum coverage for specific treatments, contributing to a transparent and well-defined insurance experience.

What is the limit for Pre and Post Hospitalization expenses covered in the Care Heart Health Insurance Policy?

The Care Heart Health Insurance policy imposes a cap on Pre and Post Hospitalization expenses, restricting it to a maximum of 5% of the Sum Insured. This limit ensures clarity and sets parameters for the coverage of medical expenses incurred before and after hospitalization, contributing to a well-defined and transparent insurance framework.

What are the limits for Room Rent and ICU Charges in the Care Heart Health Insurance Policy?

The Care Heart Health Insurance policy outlines specific limits for Room Rent and ICU Charges based on the Sum Insured (SI). For a Sum Insured of Rs 3 lakh, the Room Rent is capped at 1% of the SI per day, while the ICU charges are limited to 2% of the SI per day. Notably, for higher Sum Insured amounts, no specific limits for Room Rent and ICU Charges have been specified, providing flexibility in coverage for policyholders with increased insurance amounts. 

Is undergoing a pre-policy medical check-up mandatory for the Care Heart Health Insurance Policy?

No, there is no compulsion for policyholders to undergo any pre-policy medical check-up when opting for the Care Heart Health Insurance Policy. This policy feature simplifies the application process, making it more accessible and convenient for individuals seeking comprehensive cardiac health coverage.

What are the limits for the optional Home Care Cover in the Care Heart Health Insurance Policy?

The limits for the optional Home Care Cover in the Care Heart Health Insurance Policy are either Rs 1,000 or Rs 2,000 per day, applicable for seven days per occurrence, and up to a maximum of 45 days in a policy year per insured person. The specific limit depends on the chosen plan. Read more about the related terms and conditions before opting for this benefit.

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