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Care Heart

What is Care Heart?

Care Heart is a heart insurance plan that offers coverage for pre-existing heart illnesses. A specific heart insurance product, it serves as an ideal health insurance for cardiac patients i.e. those with pre-existing heart ailments.

Why do you need a heart insurance plan?

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?

Comprehensive coverage for hospitalization expenses

The main feature of Care Heart is to cover expenses that will be incurred during hospitalization. You can use the cashless facility or get the costs reimbursed. It is always good to have a breakdown on what is covered for e.g. expenses include room charges and nursing expenses, amongst others apart from main treatment charges. You also get adequate coverage for day care treatment.

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

Our health insurance for cardiac patients accommodates alternative medicine so you can get coverage for your supplementary Ayurveda or Unani treatments.

Ambulance expenses

Coverage for Ambulance expenses is a built-in feature of the plan.

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 as well.

Automatic recharge facility

Our cardiac health insurance has an automatic re-charge feature so the sum insured once exhausted is automatically topped-up on the policy.

Get no claims bonus

If you have not made a claim for an entire policy year, your Sum Insured is increased by 10% over the previous year Sum.

Cardiac health check-up

Care Heart includes an annual check-up for insured members, at no extra cost, which assesses comprehensive cardiac and other related parameters. Staying informed is the best way to stay healthy.

Additional benefits under Care Heart?

Optional cover for OPD expenses

This covers OPD expenses which include pharmacy, diagnostics, and consultation costs. The diagnostics cover will be 50% of the total coverage for OPD care.

International Second Opinion

Care Heart gives you the freedom to go ahead and take an International Second Opinion at no extra cost specially arranged by us.

Home Care Option

Health treatment doesn’t end at discharge and the insured may need a detailed home care routine that involves registered professionals and specific treatments. Care Heart gets you ahead on the road to recovery with its Home Care option. This benefit needs to be utilized within 30 days of discharge and this form of treatment should be recommended by a medical practitioner.

Active health check-up

Active health check-ups are also integral to maintaining health of the insured patient. There certain tests that are indispensable and Care Heart has that covered. This includes coverage for tests like lipid profile, fasting and PP blood sugar test, and blood pressure test up to three times a policy year.

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|1860-500-4488

Disclaimer: 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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