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It is a specific health insurance plan that offers coverage for an individual diagnosed with a cardiac ailment in the past or has undergone a Cardiac surgery or related procedure for the treatment.
Health Insurance for Heart Patients
Pre & Post Hospitalization
Pre-existing Heart Illness Covered
Cardiac Annual Health Check-up
AYUSH Coverage
Policy terms
Entry Age - Minimum Adult : 18 years, Child less than 18 years not allowed
Entry Age - Maximum Life Long
Lifelong Renewability
Co-payment
20% per claim if entry age70 years
Waiting period name aliment
Initial Waiting Period - 30 days from any illness
Named Ailment Waiting Period - 24 months of continued coverage
Pre-existing Disease Wait Period - 24 months of continued coverage
Exclusion
Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
Tests and treatment relating to infertility and in vitro fertilization.
War, riot, strike, nuclear weapons induced hospitalization.
Internal congenital disease
What is Heart Insurance?
Care Heart is a heart insurance plan which offers insurance cover for an individual (or either one person in a Floater Policy with two adults) who has been diagnosed with a cardiac ailment in the past or has undergone a Cardiac surgery or related procedure for treatment of the disease. It is a specific health insurance for cardiac patients and beneficial for persons who have pre-existing heart ailments.
How Important is Heart Health Insurance for Individual?
The increasingly fast-paced lifestyle & sedentary routine are contributing to serious ailments like cardiovascular diseases. Heart-related illnesses increased by over 50% between the period 1990 and 2016. It is a wake-up call! More importantly, when it is about heart care, getting specialised health insurance for heart patients becomes fundamental to one's financial comfort.
It helps if you remain alert and make the right choices so that treatment costs do not damage your family's financial security in the long run. While a regular health insurance plan helps you get coverage for several medical treatments, a cardiac health insurance plan is indispensable to get financial protection for the long-term treatments that add up to significant medical expenditures when dealing with heart ailments.
Illnesses may come unannounced. Yet, it is always possible to protect your health and avert severe financial impact.
Benefits of Health Insurance Plans for Heart Patients
Heart diseases are serious health issues and may have various symptoms & lead to complications. Health insurance is vitally important in this day and age, especially for those individuals who have dealt with a heart condition before.
Helps manage Medical Inflation: The surgical and medical treatment costs for cardiac diseases are enormously high. This heart insurance policy works as a safety cover for your savings against the rising health care costs.
Affordable Health Plan: With the comprehensive coverage you get for various medical treatment expenses, the premium for this medical insurance for heart patients is quite affordable.
Cashless Hospitalization: With this health insurance policy for heart patients, you can avail of cashless hospitalization at our network hospital. Focus on your health while we settle your medical bills directly with the hospital.
Cardiac Health Check-up: We help you keep track of your heart health by providing cardiac health check-up once in a policy year under the heart care insurance policy.
Lifelong Coverage: You need not look for another policy in the future as the lifelong renewability feature allows you to continue the policy through regular policy renewals.
Discounts: You can avail long term policy discount on buying health insurance super top up plans for more than 1 year. Get premium discounts on a 2-year and 3-year policy.
Tax Savings: This health insurance policy for heart patients helps save a lot! You can get a tax deduction on the premium you pay annually, as per Section 80D of the Income Tax Act, 1961.
What are the Tax Benefits of Buying Heart Health Insurance Plans?
Like any health insurance policy, this cardiac health insurance policy enables the policyholder to save tax as per Section 80D of the Income Tax Act. That is, the premium one pays for self and family members, including spouse, parents, and children, is eligible for a tax deduction every year. The maximum deduction an individual can get is up to Rs 75,000, depending on the insured person's age.
What is Covered under Care Heart - Health Insurance for Heart Patients?
In-patient Care: Care Heart offers comprehensive coverage up to the sum insured for a person who has been hospitalized for a minimum period of 24 hours. The expenses incurred by the person will be covered either through the cashless or reimbursement facility. The expenses covered include room charges, nursing expenses, ICU charges, surgeon's fee/ doctor's fee, etc.
Day Care Treatment: With advancements in medical procedures, a patient may require hospitalization stay, which is less than 24 hours. For such day care treatments, the Care CHI Heart insurance plan offers coverage maximum up to the sum insured through a cashless or reimbursement facility.
Pre-Hospitalization and Post-Hospitalization Benefits: Medical expenses are not just restricted to the hospitalization costs, so with Care Heart, you are covered for pre-hospitalization and post-hospitalization expenses as well. All you need to do is just focus on your treatment and recovery - the insured are covered for 30 days preceding the hospitalization and 60 days after discharge.
Coverage for Alternate Treatments: The health insurance for cardiac patients offers cover for those who undertake a combination of conventional medical treatment and alternative medicines for their speedy recovery. We pay up to a specified amount towards AYUSH for your speedy recovery.
Ambulance Expenses: A patient may require immediate medical attention through ambulance services in emergencies. The ambulance charges incurred by the patient are covered by the Care Heart policy up to a specified amount per hospitalization.
Domiciliary Hospitalization Coverage: Illness does not necessarily mean hospitalization - in some cases, the insured will be recommended domiciliary care. It usually happens when the patient is too sick to be transferred, so to avoid the additional stress of transference, home-based care is recommended. Care Heart covers domiciliary treatment expenses up to 100% of the sum insured covered after 3 days.
Automatic Recharge Facility: The cardiac health insurance policy offers the benefit of automatic recharge. Under this feature, the entire sum insured will be reinstated if the policyholder utilises the coverage amount up to the maximum limit. The reinstated amount can be utilised for future claims except for injury/ illness, for which claim has already been raised during the policy year.
No Claims Bonus: If a policyholder does not make a claim for an entire policy year, he/she receives an increase of 10% in the sum insured for the next policy year; but in any case, the 'no claim bonus' will not exceed 50% of the sum insured under the policy.
Annual Cardiac Health Check-Up: Care Heart includes an annual check-up for insured members, which assess comprehensive cardiac and other heart-related parameters. Staying informed is the best way to stay healthy.
Features of Heart Health Insurance
With the increasing rise in incidents of cardiac ailments in India, as well as rising medical costs, it is necessary to have financially secured heart insurance. We at CHI offer Care Heart, which aims to provide financial protection to your loved ones having pre-existing heart illness during stressful times.
Hospitalization expenses cover
Cover pre and post hospitalization expenses
No pre-policy medical check-up
Cashless & Reimbursement
Annual Cardiac health check-up
No claim bonus
Automatic recharge of sum insured
Lifelong renewability
Tax Benefits under section 80D of the Income Tax Act 1961
What is Not Covered under Health Insurance
This mediclaim policy for a heart patient covers major medical treatment expenses. However, some expenses are not covered, as listed under exclusions. They include expenses related to:
Self-inflicted injury (resulting from suicide, attempted suicide)
Alcohol or drug use, misuse, or abuse
Pregnancy and childbirth, miscarriage, abortion, and its consequences
Infertility treatment and in vitro fertilization
Hospitalization due to war, riot, strike, nuclear weapons
Congenital disease
maximum up to the sum insured
With advancements in medical procedures, a patient may require hospitalization stay, which is less than 24 hours. For such day care treatments, the Care CHI Heart insurance plan offers coverage maximum up to the sum insured through a cashless or reimbursement facility.
covered for 60 days
Medical expenses are not just restricted to the hospitalization costs, so with Care Heart, you are covered for post-hospitalization expenses. All you need to do is just focus on your treatment and recovery - the insured are covered for 60 days after discharge.
covered for 30 days
Medical expenses are not just restricted to the hospitalization costs, so with Care Heart, you are covered for pre-hospitalization. All you need to do is just focus on your treatment and recovery - the insured are covered for 30 days preceding the hospitalization
up to a specified amount per hospitalization
A patient may require immediate medical attention through ambulance services in emergencies. The ambulance charges incurred by the patient are covered by the Care Heart policy up to a specified amount per hospitalization.
undertake a combination of conventional medical treatment and alternative medicines
The health insurance for cardiac patients offers cover for those who undertake a combination of conventional medical treatment and alternative medicines for their speedy recovery. We pay up to a specified amount towards AYUSH for your speedy recovery.
Annual Cardiac Health Check-Up
Care Heart includes an annual check-up for insured members, which assess comprehensive cardiac and other heart-related parameters. Staying informed is the best way to stay healthy.
not exceed 50% of the sum insured
If a policyholder does not make a claim for an entire policy year, he/she receives an increase of 10% in the sum insured for the next policy year; but in any case, the 'no claim bonus' will not exceed 50% of the sum insured under the policy.
up to 100% of the sum insured
Illness does not necessarily mean hospitalization - in some cases, the insured will be recommended domiciliary care. It usually happens when the patient is too sick to be transferred, so to avoid the additional stress of transference, home-based care is recommended. Care Heart covers domiciliary treatment expenses up to 100% of the sum insured covered after 3 days.
