What is the waiting period for pre-existing cardiac diseases?

Pre-existing health conditions can reduce the 24-month (2-year) waiting period.

Does care heart cover non-cardiac hospitalisations?

Eligible non-cardiac hospitalisations, daycare procedures, and accidents are fully covered up to sum insured.

How does automatic recharge function under Care heart?

It restores 100% of the base sum insured once per policy year for subsequent unrelated illnesses or injuries.

what pre- and post-hospitalisation coverage is offered?

Pre-hospitalisation is covered for 30 days and post-hospitalisation for 60 days, up to 5% of the sum insured.

Is cardiac ICU covered without anomalies?

Yes, cardiac ICU admission is covered up to some insured, subject to policy schedule terms.

What network coverage is available?

Access is provided across 19,000+ network hospitals, including specialised cardiac care centres.

OneAssure

Health Insurance

Care

Heart

Care Heart Health Insurance

Specialised Cardiac Health Insurance with 2-Year Cardiac PED Waiting Period

96%

Claim Settlement Ratio

22,000+

Network Hospitals

5.75/10

Plan Rating

Policy Brochure

Policy Policy Wording

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Our Verdict

Expert Review: Care Heart

Final Verdict

Care Heart is a specialised health insurance plan designed specifically for individuals with existing cardiac conditions or a history of heart procedures, featuring an unusually short 2-year waiting period for pre-existing heart diseases and annual cardiac health check-ups. It provides essential coverage for heart surgeries, emergency hospitalizations, and general treatments, supported by automatic coverage recharge benefits.However, the plan imposes a 20% mandatory co-payment on claims, enforces cappings on daily room rent and ICU charges, and does not cover maternity expenses. It is an ideal option for heart patients who struggle to get standard health coverage elsewhere, provided they are comfortable bearing out-of-pocket costs on claims.

About

What Is Heart?

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.

Heart Ratings

Heart

Insurer Rating

7.51

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

Care Heart Inclusions and Exclusions

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

Modern Treatment

Hospital expenses for listed advanced treatments are covered up to your full 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

Co-payment

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

Specific Waiting Period

2 years

Claim Settlement Ratio

96%

AYUSH Treatment

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

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

Room Rent

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

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

Outpatient Department Cover (OPD Expense)

OPD expense is not included

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.

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

Heart Add-Ons and Riders

Care Opd

Shield

Home Care

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About the company

About Care

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.

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.