Heart Care Mediclaim

Heart Care Mediclaim

Indemnity based plan with Flexible Tenure Options
Covers defined Heart related Critical Illnesses
Preventive Annual Health Check-up
Life Long Coverage with reward of No Claim Bonus

Heart Mediclaim- Time for a Healthy Heart

Your heart is the vital organ of the body that works around the clock for you. A healthy heart beats about 115,000 times and pumps about 2,000 gallons of blood each day. It provides blood and oxygen to all other parts of the body. Therefore, the health of your heart has the utmost importance. Our Heart Care Mediclaim has been designed specifically for covering heart ailments without financial worries.

It is a holistic heart care plan covering hospitalization expenses due to heart ailments so that you can come out well. Our mediclaim policy covers 16 major heart ailments and comes with an option to pay a premium in easy EMIs.

Why is Heart Mediclaim Necessary?

The sedentary lifestyle, bad eating habits, work stress, and lack of physical activities make Indians more vulnerable to heart diseases. Due to cardiac conditions, the death rate has risen in India. Moreover, health care costs have also increased drastically in the past few years. Hospitalization due to heart ailment can make a dent in your savings.

Therefore, Heart Mediclaim is necessary. The primary purpose of heart-specific mediclaim is to cover your hospitalization and treatment expenses related to heart illness so that your heartbeat does not create a burden on your pocket. With comprehensive coverage for heart-related treatments and other benefits, it gives the best care for your heart.

Features of Heart Mediclaim

We at CHI offer Heart Mediclaim that reduces your financial stress during a medical crisis. Below are its unique features:

Cashless & Reimbursement Facility
Annual Cardiac health check-up
Lifelong renewability
Global coverage (for 1 & 2 Cr SI)
OPD expenses
Alternative Treatments
International second opinion
Room rent modification
Organ donor cover
Air ambulance
Doctor-on call
Tax Benefits Under section 80 D

What is Covered Under Cardiac Insurance Plan?

Heart Care Mediclaim-a comprehensive Heart Insurance that helps your heart beating healthily. Read below what all we cover under the mediclaim for heart patients:

In-Patient Care

We know heart care cost is skyrocketing. But do not worry! We cover in-patient care expenses if hospitalization is for at least 24 consecutive hours or more.

Day Care Treatment

Why admit to the hospital when you can avail day-care treatment for your heart's health. Yes! We cover several day-care treatments related to the heart under heart mediclaim.

Pre and Post-Hospitalization Coverage

We provide coverage for pre and post-hospitalization expenses for 30 days preceding the hospitalization and 60 days after discharge from the hospital.

Alternative Treatments

Conventional and alternative treatments like AYUSH (Ayurveda, Unani, Sidha, and Homeopathy) help in speedy recovery. We cover them too!

Ambulance Cover

You will also get the ambulance cover under this mediclaim for heart patients if you used it during a medical emergency up to a specified amount per hospitalization.

Second Opinion

Not satisfied with your current treatment plan or diagnosis. We help you to get a second opinion about your illness.

No Claims Bonus

We raise cheers to your good health and reward you for keeping your heart healthy. You will get no claim bonus for every claim-free year.

OPD Expenses

Heart ailments are not easy to deal with. It requires regular doctor visits, medication, and diagnosis. We cover diagnostic+ consultations+ pharmacy all in one.

Doctor on Call

At times it happens heart patients need immediate consultation. We offer coverage for telephonic or online consultation with the doctor

Annual Cardiac Health Check-Up

We care for your heart; that is why we offer annual health check-ups under heart Mediclaim. You can avail of an annual health check from the 2nd policy year.

Why Do You Need Mediclaim Policy For Heart Patients?

Cardiovascular diseases have high rates of morbidity, mortality, and disability rate. One out of four deaths in India is because of cardiovascular diseases. Medical inflation is rising day after day. One-time hospitalization can cost you lakhs of rupees, so it is necessary to secure yourself financially with heart mediclaim insurance as early as possible. It will protect you in the hour of need when a minor health condition turns into a bigger problem in the future that requires hospitalization. Following are the reasons that help you to understand its necessity:

Offer complete protection against the hospitalization expenses incurred for the treatment of 16 specified heart diseases.
Heart care cost is increasing and become out of pocket expenses for many
Pre-existing diseases are also covered subject to policy terms and conditions
Flexible EMI Options are available for monthly or quarterly premium payout with policy tenure for 2/3 yrs.
Additional benefits enhance the policy coverage
Reduce your financial stress at the time of emergency hospitalization

Eligibility Criteria to Buy HEART Mediclaim

Entry Age-Minimum- Child: 91 days to 4 years with at least 1 member of age 18 years or above is covered or 5 years on an individual basis, Adult: 18 years and above

Entry Age-Maximum- 50 Years

Exit Age- No Exit Age

Age of Proposer(Adult)- 18 years or above

How can You Cover Yourself- Individual basis (maximum up to 6 Persons having same/different sum Insured)

Note: All the age calculations are as per "Age Last Birthday" as on the date of the first issue policy and/or at Renewal's time.

What is Not Covered Under Mediclaim Policy for heart Patient

Heart mediclaim has some exclusion. These are the diseases/ medical procedures/treatments/ excluded from the policy coverage. Read what is not covered under this policy:

Act of self-inflicted injury attempted suicide or suicide
Any illness related directly to the consumption of Alcohol/Tobacco/Cigarettes etc. HIV/AIDS or any other sexually transmitted disease
Cosmetic or plastic surgeries or related treatment
Pregnancy, miscarriage, childbirth, maternity including C- section, abortion, or complications of any of these
All the treatments required due to participation in hazardous activities
Damage caused by a nuclear, chemical, or biological attack or weapons
Illness or injuries caused due to any breach of law by the insured