Care Heart Health Insurance:
Care Health Insurance is one of India’s most popular Health and Life Insurance companies, providing various health insurance services for individual and corporate customers.
This company was previously known as Religare Health Insurance, and in 2020 it was renamed Care Health Insurance. The company offers a range of plans and benefits tailored to customer needs, helping reduce medical expenses.
Among these, one of the recently popular health insurance policies under Care Health Insurance is the Care Heart Health Insurance. In today’s article, we will learn more about this policy.
Overview of Care Heart Health Insurance Policy
| Coverage Type | Description |
|---|---|
| Pre-hospitalization | Covers medical expenses up to 30 days before hospitalization. |
| Post-hospitalization | Covers medical expenses up to 60 days after discharge. |
| ICU Charges | Full coverage of ICU stay charges. |
| Room Rent | Covers the cost of a single personal cabin. |
| Ambulance Charges | ₹2,000 to ₹3,000 per hospitalization. |
| Domiciliary Treatment | 100% coverage for home treatment if it continues for more than 3 days. |
| AYUSH Treatment | Covers alternative treatment expenses up to the sum insured. |
| No-Claim Bonus | 10% increase in sum insured each year, up to a maximum of 50%. |
| Annual Heart Check-up | One free cardiac health check-up per year. |
| Automatic Recharge | If the sum insured is exhausted, it is automatically recharged once a year. |
What is Care Heart Health Insurance?
Care Heart Health Insurance is a special health insurance policy designed for individuals with heart disease or those at risk of developing heart conditions.
It provides financial protection for heart-related surgeries, medicines, hospitalization, ambulance charges, and other treatment needs. Individuals with previous heart treatments or surgeries can also avail of this policy. It offers reliable protection at an affordable premium.
Key Features of Care Heart Health Insurance
- Ideal for heart patients: Suitable for individuals who have undergone heart surgery in the past 7 years.
- Sum Insured Options: ₹3 lakh, ₹5 lakh, ₹7 lakh, and ₹10 lakh.
- Lifetime Renewal: Ensures long-term protection with lifelong renewal.
- Automatic Recharge: Sum insured is automatically restored once a year if exhausted.
- No-Claim Bonus: 10% increase in sum insured yearly, up to 50%.
- Annual Cardiac Check-up: One free cardiac check-up every year.
- Ambulance Cover: ₹2,000 to ₹3,000 per hospitalization.
- Domiciliary Hospitalization: Covers home treatment for a minimum of 3 days.
- AYUSH Coverage: Covers Ayurveda, Unani, Siddha, and Homeopathy treatments.
- Daycare Treatments: Covers more than 540 daycare procedures.
Heart Diseases Covered Under Care Heart Health Insurance
This policy covers the following 16 heart-related medical conditions:
- Pulmonary thromboembolism
- Primary (Idiopathic) Pulmonary Hypertension
- Infective Endocarditis
- Heart Valve Replacement/Repair
- Aorta Surgery
- Cardiomyopathy
- Cardiac Arrhythmia Surgery
- Angioplasty
- Balloon Valvotomy/Valvuloplasty
- Carotid Artery Surgery
- Coronary Artery Bypass Graft (CABG)
- Pericardiectomy
- Ventricular Assist Device or Total Artificial Heart Implant
- Myocardial Infarction
- Heart Pacemaker Implantation
- Implantable Cardioverter Defibrillator (ICD) Implantation
Additional Benefits of Care Heart Health Insurance
- Premium Payment Options: Monthly, quarterly, or yearly premium payment.
- Tax Benefits: Premium payments are eligible for tax deductions under Section 80D of the Income Tax Act, 1961.
- Network Hospitals: Over 20,800+ cashless hospitals across India.
- Pre-existing Disease Coverage: Available after 2 years of policy issuance.
How to Apply for Care Heart Health Insurance
Online Application
- Visit the official Care Health Insurance website: https://www.careinsurance.com/
- Enter your pincode and mobile number to proceed.
- Select the desired sum insured (₹3L / ₹5L / ₹7L / ₹10L).
- Calculate the premium using the premium calculator.
- Fill out the application form with required personal details and documents.
- Pay the premium through the online payment gateway.
- After successful payment, the policy document will be emailed to you and can be downloaded from the website.
Offline Application
- Visit the nearest Care Health Insurance branch or contact an authorized agent.
- Collect the application form and fill it with correct information.
- Submit the required documents along with the premium payment (cash/cheque/DD).
- After verification, the policy document will be issued to you.
Required Documents
- ID Proof: Aadhaar / Voter ID / Passport
- Age Proof: Birth Certificate
- Address Proof: Electricity Bill / Ration Card
- Medical Reports: Any previous heart treatment or surgery reports (if applicable)
- Passport-size photograph
Important Information at a Glance
- Minimum Entry Age: 18 years
- Maximum Entry Age: No limit
- Initial Waiting Period: 30 days (not applicable for accidents)
- Waiting Period for Pre-existing Diseases: 24 months
- Policy Term Options: 1, 2, or 3 years
- Renewal: Lifetime
Care Heart Health Insurance Contact Details
- Website: www.careinsurance.com
- Sales Helpline: 1800-102-4499
- Service Helpline: 8860402452
- Email: customerfirst@careinsurance.com
Conclusion
Heart disease treatment can be expensive and long-term. The Care Heart Health Insurance policy provides reliable financial protection for heart patients, helping reduce their treatment expenses. It is like a blessing for those suffering from heart problems — offering peace of mind along with strong coverage, easy premiums, fast claim service, and lifelong renewal benefits.
