Care Heart Health Insurance
Care
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.
Modern Treatments
Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
Brochure
Policy Wording
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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
Up to ₹3 L sum insured – 1% of Sum Insured per day
Above ₹3 L sum insured – Single Private Room
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
Co-Payment
In-built co-payment: 20% if entry age ≤ 70 years, 30% if entry age > 70 years.
Restoration Benefit
Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only
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
Consumable Cover
No. However, available as an add-on
Initial Waiting Period
30 days
Specific Waiting Period
2 years
PED Waiting Period
2 years
Modern Treatments
Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
Annual Health Checkup
Health check-up is available from the first policy year
Daycare Treatment
Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured
AYUSH Treatment
Covers AYUSH treatment expenses up to your annual sum insured during the policy period
Pre-Hospitalisation
You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved
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
Deductible Option
Not available
Cashless Healthcare Providers
21700+ Healthcare Providers
Coverage Options
Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L
Claim Settlement Ratio
87.10%
Maternity Cover
Not available
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 consultations, tests, and pharmacy expenses
Home Care - Provides reimbursement of cost for hiring a qualified nurse if prescribed by doctor as per specificed terms in the policy wordings
Care Shield - Covers consumable costs like gloves, syringes, and medical supplies, etc. which are usually not included in base coverage
Add-ons
Related Variants
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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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