Care Heart Plan
Care Health Insurance
8.4/10
OneAssure Rating
8.4/10
OneAssure Rating
Highlighted Features
Unlimited ICU Coverage
For 5L, 7L, and 10L plans, ICU room rent has no limit, ensuring unrestricted access to critical care services.
Co-Payment
Pay an extra premium to maintain a 20% co-payment even after 71, avoiding the increase to 30%.
Brochure
Policy Wording
Explore more features
Our Verdict
Care Heart provides coverage for individuals with pre-existing heart conditions, offering benefits like pre- and post-hospitalization expenses, annual health check-ups, and AYUSH treatments. However, it imposes disease-specific sub-limits and requires a co-payment of 20% for those under 70 and 30% for those above 70. Ideal for heart patients seeking coverage despite these limitations
About the Plan
Care Heart by Care Health Insurance is a specialized plan for individuals with pre-existing heart conditions, including those who had cardiac surgery in the past seven years. It offers sum insured options from ₹3 lakh to ₹10 lakh, with lifelong renewability and no upper age limit. Key benefits include pre and post-hospitalization coverage, annual cardiac check-ups, alternative treatments, and domiciliary hospitalization. Features like automatic sum recharge, a no-claim bonus (up to 50%), and ambulance cover are included, with a 20% co-payment per claim. Optional benefits include outpatient care, international second opinions, and tax savings under Section 80D.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal:
For 3L coverage
-Up to 1% of SI per day
For 5L,7L & 10L coverage
- Single Private Room
ICU:
For 3L coverage
-Up to 2% of SI per day
For 5L,7L&10L coverage
-No Limit
Co-payment
>20% Co-payment applicable till age 70 years.
> 30% Co-payment after age 71 years
> Policy wherein the eldest’s age is less than 71 years at entry can pay an extra premium and reduce co-payment to 20% after attaining 71 years and above age.
Waiting Periods
Initial Waiting Period
-30 days from any illness
Named Ailment Waiting Period
- 24 months of continued coverage
Pre-existing Disease wait period
-24 months of continued coverage
Cashless Healthcare Providers
24800+ HealthCare Providers across India,
Day Care Treatments
Provides for cashless reimbursement of expenses for treatment and listed procedures if the hospital stay is less than 24 hours.
AYUSH Treatment
Care Heart covers AYUSH treatments, including Ayurveda,Unani, Siddha, and Homeopathy, up to the sum insured.
Exclusions
Expenses for hospital admission primarily for diagnostics are excluded.
Expenses for bed rest, custodial or palliative care excluded.
Surgery covered only under strict medical criteria and guidelines.
Expenses for any procedure to alter gender characteristics excluded.
Covered only for accident, burns, cancer, or medical necessity.
Injuries from professional participation in extreme sports are not covered.
No coverage for treatments related to criminal acts or violations.
Treatment from blacklisted hospitals or practitioners not reimbursed.
Treatment for drug addiction or alcohol-related conditions not covered.
Expenses for treatment in wellness centers or nature cure clinics excluded.
Non-prescribed vitamins, minerals, or organic supplements not reimbursed.
Expenses for vision correction below 7.5 diopters not covered.
Experimental or alternative treatments lacking medical validation not covered.
Expenses for contraception, IVF, surrogacy, or sterilization reversal excluded.
Normal childbirth, miscarriage (unless accidental), and termination not covered.
Injuries or illnesses due to war, terrorism, or nuclear exposure excluded.
Suicide attempts, self-harm, or intentional injury not covered.
Costs for TV, telephone, cosmetics, toiletries, or special diets excluded.
Only specific approved advanced treatments are covered under defined criteria.
Exclusions
OPD Care - Covers outpatient medical expenses for essential healthcare visits.
Home Care - Provides medical support services at your doorstep for convenience.
Active Health Check Up - Regular health check-ups to monitor overall wellness and prevent illness.
Care Shield - Offers additional protection with extra coverage for unforeseen events.
Add-ons
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
Care Health Insurance, previously known as Religare Health Insurance Company Limited, is a trusted health insurance provider offering plans to protect you and your family during medical emergencies. Founded in 2012, it has settled 48 lakh claims and covered over 7 crore lives since inception. Care ensures seamless access to advanced treatments, AYUSH therapies, and more.
Care Health Insurance delivers comprehensive health coverage tailored to diverse needs. Plans like Care Supreme provide high cumulative bonuses, no sub-limits on room or treatment types, and early coverage for conditions such as diabetes with an additional premium. Care Health Insurance prioritizes health and financial security, offering reliable support for every stage of life.
About the Company
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Frequently Asked Questions
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