Care Heart Health Insurance

Benefit of second opinion, once for each major illness/injury per policy year is available under the plan. 

Reimbursement of expenses incurred towards hiring a qualified nurse with the purpose of providing care to the insured person as recommended by medical practitioner.

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. 

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

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

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.

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.

The plan can be taken for 1, 2 or 3 policy years.

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.

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.