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Health Insurance for Heart Patients

What is Care Heart?

Care Heart is a heart insurance plan which offers insurance cover for an individual (or either one person in a Floater Policy with two adults) who has been diagnosed with a cardiac ailment in the past or has undergone a Cardiac surgery or related procedure for treatment of the disease. It is a specific health insurance for cardiac patients and beneficial for persons who have pre-existing heart ailments.

Why do you need a Health Insurance for Heart Patients?

Fast changing lifestyles and food habits have contributed to an increase in heart-related ailments by 50% in the period between 1990 and 2016. Heart disease has a lot of attention now but you still need to be alert and make the right choices so that expenses and costs don’t cripple your family’s financial security in the long run. If you are thinking of getting health insurance or upgrading your existing one, coverage for heart-related treatments is an important consideration factor.

What is covered under Care Heart?

In-patient Care

Care Heart offers comprehensive coverage up to the Sum Insured for a person who has been hospitalised for a minimum period of 24 hours. All the expenses incurred by the person will be covered either through the cashless or reimbursement facility. The expenses that will be covered include room charges, nursing expenses, ICU charges, surgeon’s fee/ doctor’s fee, etc.

Day Care Treatment

With advancements in medical procedures, a patient may require hospitalization stay which is lesser than 24 hours. For all such day care treatments, Care Heart offers coverage maximum up to the sum insured through cashless or reimbursement facility.

Pre-Hospitalization and Post-Hospitalization Benefits

Medical expenses are not just restricted to the hospitalization costs, so with Care Heart you are covered for pre-hospitalization and post-hospitalization expenses as well. All you need to do is just focus on your treatment and recovery – the insured are covered for 30 days preceding the hospitalization and 60 days after discharge.

Coverage for Alternate Treatments

The health insurance for cardiac patients offers cover for those who undertake a combination conventional medical treatment and alternative medicines for their speedy recovery. We pay up to a specified amount towards AYUSH for your speedy recovery.

Ambulance Expenses

A patient may require immediate medical attention through ambulance services in emergency situations. The ambulance charges incurred by the patient are covered by the Care Heart policy up to a specified amount per hospitalization.

Domiciliary Hospitalization Coverage

Illness does not necessarily mean hospitalization – in some cases, the insured will be recommended domiciliary care. This usually happens when the patient is too sick to be transferred, so to avoid the additional stress of transference, home based care is recommended. Care Heart covers domiciliary treatment expenses up to 100% of Sum Insured covered after 3 days

Automatic Recharge Facility

The cardiac health insurance policy offers the benefit of automatic re-charge. Under this feature, the entire sum insured will be reinstated if the policyholder utilises the coverage amount up to the maximum limit. The reinstated amount can be utilised for future claims except for injury/ illness for which claim has already been raised during the policy year.

No Claims Bonus

If a policyholder does not make a claim for an entire policy year, he/she receives an increase of 10% in the sum insured for the next policy year; but in any case the ‘no claim bonus’ will not exceed 50% of the Sum Insured under the policy. *

Annual Cardiac Health Check-Up

Care Heart includes an annual check-up for insured members which assess comprehensive cardiac and other heart related parameters. Staying informed is the best way to stay healthy.

Features of Care Heart - Health Insurance for Heart Patients

With the increasing rise in incidents of cardiac ailments in India, as well as rising medical costs it is necessary to have financially secured heart insurance. We at RHI offer Care Heart, which aims to provide financial potential to your loved ones having pre-existing heart illness during stressful times.

  • Cover pre and post hospitalization expenses
  • No pre-policy medical check-up
  • Cashless & Reimbursement
  • Annual Cardiac health check-up
  • Lifelong renewability
  • Tax Benefits Under section 80 D of the Income Tax Act 1961

Sum Insured – on annual basis (in Rs.)

3Lacs

5Lacs

7Lacs

10Lacs

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

Pre-Hospitalization for 30 days &

Post-Hospitalization for 60 days; Maximum up to 5% of SI

Pre-Hospitalization for 30 days &

Post-Hospitalization for 60 days; Maximum up to 5% of SI

Pre-Hospitalization for 30 days &

Post-Hospitalization for 60 days; Maximum up to 5% of SI

Alternative   Treatments

Up to 25% of Sum Insured

Up to 25% of Sum Insured

Up to 25% of Sum Insured

Up to 25% of Sum Insured

Ambulance Cover

Up to Rs 2,000 per hospitalization

Up to Rs 2,000 per hospitalization

Up to Rs 3,000 per hospitalization

Up to Rs 3,000 per hospitalization

Domiciliary Hospitalization

up to 100% of Sum Insured covered after 3 days

up to 100% of Sum Insured covered after 3 days

up to 100% of Sum Insured covered after 3 days

up to 100% of Sum Insured covered after 3 days

Automatic Recharge

100% of original SI upon exhaustion of SI

100% of original SI upon exhaustion of SI

100% of original SI upon exhaustion of SI

100% of original SI upon exhaustion of SI

No Claims Bonus

10% increase in SI per Policy Year in case of claim-free year; Max up to 50% of SI

(10% decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCB)

10% increase in SI per Policy Year in case of claim-free year; Max up to 50% of SI

(10% decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCB)

10% increase in SI per Policy Year in case of claim-free year; Max up to 50% of SI

(10% decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCB)

10% increase in SI per Policy Year in case of claim-free year; Max up to 50% of SI

(10% decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCB)

Cardiac Health Check-up

Annually(Please refer Appendix 1 For details)

Annually(Please refer Appendix 1 For details)

Annually(Please refer Appendix 1 For details)

Annually(Please refer Appendix 1 For details)

Sub Limits

 

 

 

 

Room Rent / Room Category

Up to 1% of SI per day

Single Private Room

Single Private Room

Single Private Room

ICU Charges

Up to 2% of SI per day

No Limit

No Limit

No Limit

Treatment of Cataract

Up to Rs. 20,000 per eye

Up to Rs. 30,000 per eye

Up to Rs. 30,000 per eye

Up to Rs. 30,000 per eye

Treatment of Total Knee Replacement

Up to Rs. 80,000 per knee

Up to Rs. 1,00,000 per knee

Up to Rs. 1,20,000 per knee

Up to Rs. 1,20,000 per knee

Treatment for each and every Ailment / Procedure mentioned below:-

i.  Surgery for treatment of all types of Hernia

ii.  Hysterectomy

iii.  Surgeries for Benign Prostate Hypertrophy (BPH)

iv.  Surgical treatment of stones of renal system

 

Up to RS 50,000

Up to Rs 65,000

Up to Rs 80,000

Up to Rs 80,000

Treatment for each and every Ailment / Procedure mentioned below:-

i.  Treatment of Cerebrovascular disorders

ii.  Treatments/Surgeries for Cancer

iii.  Treatment of other renal complications and Disorders

iv.  Treatment for breakage of bones

Up to Rs 200,000

Up to 250,000

Up to Rs 300,000

Up to Rs 300,000

Home Care

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.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

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

Appendix

Appendix 1 (Cardiac Health Check-up set)

Cardiac Health Check-up(For SI 2Lacs/3Lacs/4Lacs/5Lacs)

Cardiac Health Check-up (For SI 7Lacs/10Lacs)

Complete Blood Count with ESR

Complete Blood Count with ESR

Urine RE

Urine RE

Blood Group

Blood Group

HbA1C

HbA1C

TMT

TMT

Lipid Profile

Lipid Profile

Kidney Function test

Kidney Function test

Liver Function test

Liver Function test

TSH

TSH

Medical Examination Report

Medical Examination Report

Hbs Ag

Hbs Ag

Chest X Ray

Chest X Ray

 

2D Echo

 

APTT

Call:1800-102-4488|1800-102-6655

Disclaimer: Information above is just for reference. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.

UIN: IRDAI/HLT/RHI/P-H/V.II/253/16-17. UAN2: 18032484.

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