Care Heart Health Insurance Plan: Benefits, Premium, Renewal Online
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Care Heart Plan

Care Heart provides the flexibility to choose from benefits like activ ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
158+
Pan India presence
97%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,714 reviews
🏥 11,400+ hospitals
📊 1.74 solvency ratio
✅ 97% claim settlement

About Care Heart Plan

A quick read on what this Care Health Insurance plan covers and why it might be a fit for you.

Care Heart is a unique plan launched by Care Health Insurance that provides the flexibility to choose from benefits like active heart health check-ups, OPD care, home care, international second opinion, and more according to the plan suitable for your needs. Care Health Insurance is designed to serve the insurer in terms of cardiac ailments.

Care Heart Health Insurance is a plan providing a financial safety net for medical emergencies and the freedom to avail of quality healthcare in more than 20,800 network hospitals. The Care Heart Health Insurance offers annual health check-ups to monitor medical conditions.

Care Heart Plan offers two optional add-on covers: Home Care and Care Shield.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Min-18 Years, Max-Lifelong
Plan type
Critical Illness Health Insurance
Sum insured options
₹3 L, ₹5 L, ₹7 L, ₹10 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2, 3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Cardiac health check-up
  • second medical opinion
  • automatic SI restoration
  • lifelong cover

Cons

  • Change of gender treatment
  • obesity treatment unavailable
  • hazardous activity not covered
  • HIV/AIDS not covered

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Care Heart Plan by Care Health Insurance | For Heart Patients

Care Heart Plan by Care Health Insurance | For Heart Patients

Care Health Insurance for Heart Patients

Care Health Insurance for Heart Patients

Care Health Insurance Plan Detailed Review

Care Health Insurance Plan Detailed Review

Care Heart Plan Benefits

  • Tax benefits

    Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

  • Knee replacement

    Care Heart offers the insured individual a total knee replacement surgery coverage up to Rs. 1,20,000 per knee.

  • Cardiac health check-up

    Care Heart Plan offers annual heart health check-ups.

  • Add-on covers

    Care Heart offers additional coverage options such as home care and care shield under this plan. Home care provides coverage for expenses incurred toward hiring a qualified nurse for providing medical care to the insured person.

Care Health Insurance Network Hospital List

Care Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions that are not included under Care Heart Plan are:
  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Congenital disease
  • Infertility and in vitro fertilization
  • Miscarriage and abortion
  • Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
  • Listed ailments after 24 months
  • Pre-existing diseases 24 months

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry age: 18 years
  • Max entry age: No age limit
  • SI: 3 to 10 L
  • Waiting period: 30 days

Other features & benefits

  • OPD care
  • home care
  • international second opinion
  • automatic recharge
  • high SI

Care Heart Plan: FAQs

The 6 most-asked questions about Care Heart Plan, answered.

Yes, critical illness plans cover heart-related ailments such as first heart attack, heart valve surgery, coronary artery by-pass surgery. etc.
Care health insurance limited is a subsidiary company of Religare Enterprise Limited.
Usually, ritical illness plans or specialised plans cover heart problems.
Yes, you can find a sub-limit which is applicable on room rent, ICU charges, cataract treatment, and much more.
Yes, there is a co-payment clause in the policy.
There is an initial waiting period of 30 days and 24 months for pre-existing diseases and specified ailments.

Conclusion

A specialized health plan for heart patients offering comprehensive cardiac-focused coverage.

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 7 Aug 2023 · Originally published: 19 Nov 2024

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