Care Heart Health Insurance

Care Health Insurance Company offers Care Heart, a health insurance policy designed for those with pre-existing cardiac conditions. The plan ensures financial support for hospitalisation expenses related to cardiac surgeries and procedures. It serves as a protective shield for your savings, promoting a happy and fulfilling life for you and your family. Unlike other indemnity health plans, Care Heart by Care Health Insurance provides an additional perk – free annual heart-related health check-ups. This unique feature empowers policyholders to proactively manage their heart health, fostering a preventive approach.

The Care Heart Plan offers both built-in and optional coverage benefits. The built-in benefits are comprehensive, providing all-encompassing coverage, while the optional benefits can be tailored to suit individual coverage needs. The Care Health Insurance plan offers flexibility with multiple sum insured options that involve Rs. 3 Lakh, Rs. 5 Lakh, Rs. 7 Lakh, and Rs. 10 Lakh.

Care Heart Health Insurance At a Glance

Highlights of Care Heart Health Insurance Plan are mentioned in the below table:

Coverage	Both Individual and Floater
Riders	Care Shield, Home Care, etc.
Variants	Differentiated Based on the Sum Insured
Key features	Lifelong Renewability, Automatic Restoration of Sum Insured, etc.
Policy Tenure	1, 2 and 3 Years
Inclusion	In Patient Care, Daycare Treatment, and more
Exclusion	AIDs, Injury due to War, Self-inflicted Injuries, etc.

Riders Available With Care Heart Health Insurance

Rides available with Care Heart Health Insurance Plan include the following:

• Care OPD: This add-on extends coverage to 4 general physician consultations, 4 specialist consultations, and unlimited e-consultation from general physicians. It ensures that expenses related to necessary consultations are included as part of the benefits.
• Home Care: The Home Care add-on reimburses expenses incurred in hiring a qualified nurse as recommended by a medical practitioner. This service is designed to provide care to the insured person within the comfort of their home, offering personalised and attentive healthcare.
• Care Shield: This rider cover is a pack of three benefits that involve an inflation shield, claim shield, and no claim bonus shield.

Variants of Care Heart Health Insurance Plan

Here are the different variants of Health Insurance Plans:

Sum Insured	Rs. 3 Lakhs	Rs. 5 Lakhs	Rs.7 Lakhs	Rs. 10 Lakhs
In-patient Hospitalisation	Depending on Your Sum Insured
Day Care Treatment	Up to Sum Insured
Pre-Hospitalisation Medical Expenses and Post Hospitalisation Medical Expenses	Pre-Hospitalisation for 30 days & Post-Hospitalisation for 60 days; Maximum up to 5% of SI
Alternative Treatments	Up to 25% of the Sum Insured
Cardiac Health Check-up	Annually
Initial Waiting Period	30 Days
Co-payment	20% Co-payment if the entry age is <=70 years 30% Co-payment if the entry age is>70 years
Pre-existing Diseases	24 Months
Pre-policy Issuance Medical Checkup	None
Home Care (Optional Cover)	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

Key Features of Care Heart Health Insurance Plan

The following are the key features of the Care Heart Health Insurance Plan:

• Ideal Plan for Heart Patients: The Care Heart Policy is crafted as the perfect solution for individuals with heart conditions, offering specialised coverage and tailored benefits to address the unique needs of heart patients.
• Available on Individual and Floater Basis: Whether seeking personal coverage or looking to secure the well-being of the entire family, Care Heart Policy provides flexible options, available both on an individual basis and as a comprehensive floater plan.
• Lifelong Renewability Option: With a commitment to long-term well-being, this policy ensures peace of mind by offering lifelong renewability, allowing policyholders to continue receiving crucial heart-related coverage throughout their lives.
• Automatic Recharge of Sum Insured Every Policy Year: Care Heart Policy takes the worry out of coverage limits by automatically recharging the sum insured every policy year, ensuring that individuals can face any unexpected health challenges with the confidence of sustained financial support.
• Helps Track Heart Health on Cashless Basis: Going beyond mere coverage, this health insurance policy actively promotes proactive health management by facilitating regular cardiac health checkups on a cashless basis, empowering policyholders to monitor and maintain their heart health without financial barriers.
• Waiting Period for Pre-existing Ailments: For any health issues you had before getting the Care Heart Policy, there's a 2-year waiting period before full coverage kicks in. After this time, you're fully covered for those pre-existing conditions.

Eligibility Criteria of Care Heart Health Insurance Plan

The eligibility criteria for the Care Heart insurance plan are as follows:

Parameters	Eligibility Criteria
Minimum entry age	18 Years
Maximum entry age	No Maximum Age
Number of people covered	Individual: Maximum 6 persons in a policy Floater: 2 Adults (Self and Spouse)
Sum insured	Rs. 3, 5, 7 and 10 Lakhs

Benefits of Care Heart Health Insurance Plan

This health insurance plan offers the following benefits:

• Financial Protection: The plan acts as a financial safeguard by covering hospitalisation expenses related to cardiac surgeries and procedures, helping alleviate the financial burden during critical medical situations.
• Preventive Care: A unique feature of the plan is the provision for free annual heart-related health check-ups. This allows policyholders to proactively monitor their heart health, enabling early detection and preventive care.
• Flexible Coverage: The plan provides both built-in and optional benefits, allowing customisation based on individual coverage needs. This flexibility ensures that policyholders can choose the level of coverage that best suits their health requirements.
• Sum Insured Options: With four different sum insured options ranging from Rs. 3 Lakh to Rs. 10 Lakh, policyholders can select the coverage amount that aligns with their healthcare needs.
• Comprehensive Inclusions: The built-in benefits cover a wide range of medical expenses, ensuring all-round coverage for hospitalisation and related treatments.
• Home Care Support: In case of a need for home care, the plan provides reimbursement for expenses incurred in hiring a qualified nurse, recommended by a medical practitioner.

Inclusions of Care Heart Health Insurance Plan

Inclusions of the Care Heart plan by Care Health Insurance are mentioned below:

• In-Patient Care: The Care Heart Plan covers the costs when you need to stay overnight in the hospital for your heart-related treatment like room charge, oxygen, etc up to the sum insured.
• Day Care Treatment: It also includes 540+ day care treatment expenses for treatments that don't require an overnight stay, like neurology, oncology, etc.
• Pre and Post Hospitalisation: The plan takes care of 30 days of pre-hospitalisation and 60 days of post-hospitalisation expenses, ensuring comprehensive coverage for your heart health journey.
• Coverage for AYUSH Treatments: This health insurance policy by Care Health Insurance extends coverage to alternative treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy for a holistic approach to your heart's well-being.
• Ambulance Expense: The plan includes coverage for ambulance expenses up to a specified amount, making sure you have financial support for emergency transportation related to your heart condition.
• No Claim Bonus: With the Care Heart Plan, you earn a bonus of up to 50% of the sum insured for staying healthy. It is a reward for not making any claims, which can lower your future premium costs.
• Domiciliary Hospitalisation: If circumstances prevent you from being in a hospital, the plan covers necessary treatments at home expenses up to 100% of the sum insured after 3 days, ensuring continuous care for your heart condition.
• Annual Cardiac Health Checkup: The plan promotes proactive health management by offering an annual cardiac health checkup, helping you monitor and maintain your heart health regularly.

Exclusions of Care Heart Health Insurance Plan

The exclusions in the Care Heart insurance plan are as follows:

• Self-inflicted Injuries: Expenses from self-injury, suicide, or attempted suicide are not covered.
• Pregnancy and Related Events: Treatment related to pregnancy, childbirth, abortion, miscarriage, and related events is excluded.
• Fertility Tests and Treatments: Costs for fertility tests, including in vitro fertilization (IVF), are not covered.
• War and Nuclear Events: Hospitalisation due to war, strikes, civil unrest, or nuclear weapons assaults is excluded.
• Internal Congenital Disease: Expenses for internal congenital diseases are not part of the coverage.
• Alcohol or Drug Use: Conditions resulting from alcohol or drug use are not covered by the Care Heart Plan.
• Disorders of Brain and Spinal Cord: Expenses related to disorders of the brain and spinal cord are excluded from coverage.
• Chronic Lung, Kidney, and Liver Diseases: Conditions categorized as chronic lung, kidney, and liver diseases are not covered under the plan.
• AIDS: Treatment and expenses associated with AIDS are not included in the Care Heart Plan coverage.

Documents Required to Buy Care Heart Plan

You will need the following documents:

• Fill out the application form.
• Show proof of identity using Aadhar card, Passport, Voter ID, or Driver's license.
• Confirm your age with documents like a Birth Certificate, School Leaving Certificate, or Passport.
• Prove your address with Utility Bills, Rental Agreement, or Aadhar Card.
• Provide passport-sized photos.
• Sometimes, health check-up reports might be required.
• Any other documents the insurance company asks for.

How to Buy Care Heart Health Insurance?

To buy the Care Heart Insurance Plan, you need to follow the steps below:

Step 1: Go to the InsuranceDekho website.

Step 2: Click on the "Health Insurance" button.

Step 3: Choose "Care Health Insurance" from the list of health insurance companies.

Step 4: Select the "Care Heart" plan.

Step 5: Read the policy document carefully.

Step 6: Upload the required documents for verification.

Step 7: Pay the medical insurance premium online.

Step 8: You'll receive the policy document via email.

Claim Process for Care Heart Insurance

Below are the ways to claim your Care Heart Health Insurance policy:

Cashless Claim

• Visit a hospital partnered with Care Health.
• Provide Care Heart plan details and other information.
• Submit necessary documents for claim settlement.
• The insurance company will pay the hospital directly.

Reimbursement Claim

• Choose a Care network hospital.
• Pay medical bills at the hospital.
• Request a reimbursement claim on the insurance company's website.
• Submit the Care Heart claim form and related information.
• The insurance company will review and reimburse your medical expenses.