How does the waiting period affect my coverage?

The Care Heart policy has a waiting period of up to 24 months, covering treatments up to ₹35,000 after the waiting period ends

What happens if I don’t use my health insurance benefits for the entire year?

If no claims are made, the policy may offer cumulative bonuses or enhanced coverage benefits upon renewal. Check with the insurer for specific details

Will my health insurance cover treatment abroad?

The Policy primarily covers treatment within India at 24,800+ cashless healthcare providers. It’s best to confirm with the insurer for any international coverage options.

Can the Care Heart policy be renewed online?

Yes – the Care Heart policy supports lifelong renewability, and you can renew it online directly via the Care Health Insurance website by entering your policy number, DOB, contact details, and paying the premium

What distinct high-value sum insured configurations can applicants select under this Care Heart architecture layout?

The policy incorporates a specialized cardiac financial protection architecture designed specifically for profiles with pre-existing heart conditions, allowing applicants to establish a baseline protection pool configured layout across explicit options of ₹3L, ₹5L, ₹7L, or ₹10L

OneAssure

Health Insurance

Care

Heart

Care Heart Health Insurance

Experience India's most trusted health insurance with Care Health Insurance. Get instant cashless treatment at 22000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

22000

Network Hospitals

8.4

Customer Rating

Policy Brochure

Policy Policy Wording

Get a Quote

96

Claim Settlement Ratio

22000

Network Hospitals

8.4

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: Care Health Insurance

Final 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

About Care Health Insurance

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.

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...

Heart Ratings

Heart

Insurer Rating

5.69

out of 10

Insurance Rating

5.75

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

No

Loyalty Bonus >= 500%

Add on

No Disease Sublimits

Yes

Unlimited Restoration

Add on

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

Yes

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Care Insurance Company Limited

Maternity Cover

Not available

Cashless Healthcare Providers

21700+ Healthcare Providers

Daycare Treatment

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Claim Settlement Ratio

96%

Modern Treatment

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

AYUSH Treatment

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

ICU Charges

Up to ₹3 L sum insured – 2% of Sum Insured per day
Above ₹3 L sum insured – No Limit

Disease-wise sublimits

Yes

Restoration Benefit

Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only

Consumable Cover

No. However, available as an add-on

Initial Waiting Period

30 days

Co-payment

In-built co-payment: 20% if entry age ≤ 70 years, 30% if entry age > 70 years.

Room Rent

Up to ₹3 L sum insured – 1% of Sum Insured per day
Above ₹3 L sum insured – Single Private Room

Specific Waiting Period

2 years

PED Waiting Period

2 years

Annual Health Checkup

Health check-up is available from the first policy year

Pre-Hospitalisation

You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved

Deductible Option

Not available

Coverage Options

Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L

Cumulative Bonus

Your sum insured increases by 10% each policy year as a No-Claim Bonus, up to 50% of the sum insured. The bonus reduces by 10% for every claim paid

Post-Hospitalisation

You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

OPD expense is not included

Maternity Cover

Not available

Cashless Healthcare Providers

21700+ Healthcare Providers

Daycare Treatment

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual 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.

Add ons

Add-Ons

Care OPD

Shield

Home Care

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About the company

Carе Hеalth Insurancе (formеrly known as Rеligarе Hеalth Insurancе) is onе of India’s most trustеd and customеr-cеntric hеalth insurancе companiеs. It is dеdicatеd to providing comprеhеnsivе and affordablе hеalth covеragе that hеlps individuals and familiеs stay financially sеcurе during mеdical еmеrgеnciеs.
Carе Hеalth offеrs a widе rangе of plans tailorеd for individuals, familiеs, sеnior citizеns, and corporatе groups. Each policy is thoughtfully dеsignеd to covеr hospitalization еxpеnsеs, surgеriеs, daycarе procеdurеs, and both prе- and post-hospitalization costs. Thе insurеr also providеs global covеragе options, wеllnеss-basеd bеnеfits, and top-up plans to еnhancе protеction basеd on spеcific hеalthcarе nееds.

Carе Hеalth Insurancе (formеrly known as Rеligarе Hеalth Insurancе) is onе of India’s most trustеd and customеr-cеntric hеalth insurancе companiеs. It is dеdicatеd to providing comprеhеnsivе and affordablе hеalth covеragе that hеlps individuals and familiеs stay financially sеcurе during mеdical еmеrgеnciеs. Carе Hеalth offеrs a widе rangе of plans tailorеd for individuals, familiеs, sеnior citizеns, and corporatе groups. Each policy is thoughtfully dеsignеd to covеr hospitalization еxpеnsеs, surgеriеs, daycarе procеdurеs, and both prе- and post-hospitalization...