Care Heart Health Insurance

Claim Settlement Ratio | 95.22% |
COVID-19 Cover | Yes |
In-House Claim Settlement | 100% |
Incurred Claim Ratio | 55% |
Network Hospitals | 8,250+ |
Policies Sold | 6,91,739 |
Renewability | Lifelong |
About Care Heart Health Insurance
Care Heart Plan by Care Health Insurance (Religare) is an indemnity-oriented medical insurance plan which covers the actual costs incurred in a case of a medical emergency which requires hospitalisation and treatments. The plan differs from other indemnity health plans in the sense that it allows annual heart related health check-ups free of cost. By allowing such health check-ups the plan allows policyholders to take preventive care for any heart related ailments so that they can live a healthy life.
The plan has a range of coverage benefits which are both inbuilt as well as optional in nature. The inbuilt benefits are quite inclusive allowing an all-round coverage and the optional benefits can be chosen as per the coverage requirements of the policyholder. Thus, the plan provides customisable coverage options and also four different sum insured options to choose from. The sum insured options are Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 lakh, Rs. 7 lakh and Rs. 10 lakh.
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Key Inclusions and Exclusions of the Plan
What's Included
- Pre, post and inpatient hospitalisation expenses are covered up to specified limits
- Automatic recharge of sum insured is available
- AYUSH treatments are covered up to 25% of the sum insured
- Domiciliary treatments are also covered
- Free annual cardiac health check-up is provided under the plan
What's Not Included
- Pre-existing illnesses and specified treatments are covered after 24 months of buying the policy
- No illnesses would be covered within the first 30 days of buying the policy
- HIV/AIDS infection
- Pregnancy, child birth and other related expenses
- Illnesses or hospitalisation due to self-inflicted injuries
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Add-ons to Enhance Benefits
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OPD Care
The amount pertaining to outpatient consultations, diagnostic examinations and medicines are covered as an add-on benefit.
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International Second Opinion
Benefit of second opinion, once for each major illness/injury per policy year is available under the plan.
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Home Care
Reimbursement of expenses incurred towards hiring a qualified nurse with the purpose of providing care to the insured person as recommended by medical practitioner.
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Active Health Check-up
Benefit of health check-up for a set of tests specified, irrespective of sum insured. This benefit is available thrice one set at a time during a policy year for each insured person covered under the policy.
Care Heart Expert Review
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Expert Review
Religare Care Heart is a health insurance plan designed for individuals suffering from heart-related ailments. The policy covers heart-related surgeries and treatments and pays for the medical costs incurred. The policy is, therefore, a disease-specific policy which covers medical costs of heart-related ailments which is otherwise excluded from other normal health insurance plans.
The plan is available in four options and the sum insured varies with each option. The sum insured starts at Rs. 3 Lakh for plan option 1 and goes up to Rs. 10 Lakh for plan option 4. The policy is available only for adults aged 18 years and above. There is, however, no limit on the entry age and individuals of all ages can buy the plan. Coverage can be taken individually or on a floater basis where two individuals can be covered under the same plan. -
Major Attractions
The plan covers all the basic medical expenses which are incurred when the insured avail any heart-related treatments. Pre and post hospitalisation expenses are covered for 30 and 60 days respectively along with ambulance cover, inpatient hospitalisation expenses, domiciliary hospitalisation, etc. Other important coverage benefits include the following –
- Alternative non-allopathic treatments are also covered
- There is an automatic recharge of sum insured option available under the plan which restores the sum insured to its original level if it is exhausted in a policy year
- The sum insured is increased by 10%, free of cost, if no claim is made in a policy year. This increase is allowed on a cumulative basis for up to 50% of the original sum insured
- Cardiac health check-up is allowed every year free of cost
- Cataract, knee replacement surgeries, treatments of hernia, cerebrovascular disorders, etc. are also covered under the plan
- Home care benefit is available which allows a daily benefit for appointing a nurse to take care of the insured
- Coverage for OPD expenses can be availed on an optional basis
- International second opinion is also available free of cost in case of specified critical illnesses
- The insured can opt for a more comprehensive health check-up under the Active Health Check-up coverage benefit which is available as an add-on with the plan
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What’s More?
The plan also promises the following additional benefits to policyholders –
- Besides offering no limit on the entry age, the plan also does not restrict the cover ceasing age. The policy is, therefore, renewable lifelong
- The policy can be bought for a continuous period of 2 or 3 years. Moreover, by choosing longer coverage duration you can also avail a discount. A discount of 7.5% is allowed for a 2-year term and 10% for a 3-year term.
- The premium that you pay for the plan would be allowed as a tax-free deduction under Section 80D
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Conclusion
Religare’s Care Heart is the ideal plan for individuals suffering from any type of heart-related ailments who cannot find proper coverage under other normal health insurance plans. The plan offers a good scope of cover along with optional benefits which allow customisation.
Buying the plan has also become easy through InsuranceDekho website which is an online platform allowing you to buy the plan after finding out your coverage needs. You can, therefore, assess your needs and then choose the most suitable variant of the plan through InsuranceDekho’s website.

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FAQs on Care Heart Health Insurance Plan
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What is the eligibility for buying the plan?
The plan can be bought by anyone aged 18 years and above. There is no maximum entry age. Moreover, renewals are also allowed lifelong.
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Can the policy be taken on a floater basis?
Yes, the policy can be taken on a floater basis. However, floater plans would only cover two adults under one policy. For dependent children the policy would have to be taken on an individual sum insured basis.
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What is the available term of the plan?
The plan can be taken for 1, 2 or 3 policy years.
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Is there a limit on room rent under hospitalisation cover?
In case the policyholder opts for a sum insured of Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, the room rent limit would be 1% of the sum insured per day. For all other sum insured options there is no room rent limit. A single private room would be allowed.
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What is the coverage for ambulance costs?
Ambulance costs up to Rs. 2000 are covered for sum insured levels of Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh and Rs. 5 Lakh. For sum insured of Rs. 7 Lakh and Rs.10 Lakh, ambulance cost of up to Rs. 3000 is covered.