Does the plan have additional limits?

Check the policy wording for applicable room-rent limits, co-payment, sub-limits and exclusions.

Care Heart Mediclaim Review | Coverage, Eligibility & Benefits

Q: What is the waiting period?

The official Care Heart Mediclaim page lists a 90-day initial waiting period and a 3-year pre-existing disease waiting period.

Care Heart Mediclaim Review | Coverage, Eligibility & Benefits

Care Heart Mediclaim Overview

Care Heart Mediclaim is designed around specified heart-related conditions and procedures. The official product page lists hospitalisation and day-care benefits, pre- and post-hospitalisation expenses, organ-donor cover, annual health check-ups and no-claim bonus, subject to applicable limits. The product also advertises a global coverage option. Eligibility for particular cardiac conditions and the treatment of pre-existing conditions depend on underwriting and policy terms.

Cover for 16 specified heart conditions and procedures, subject to policy terms

Expert Review of Care Heart Mediclaim

The plan is focused on cardiac care, but it remains important to check room-rent limits, co-payment provisions, exclusions and the policy definition of each covered condition. The official product page lists a 90-day initial waiting period and a three-year pre-existing disease waiting period. Confirm these against the policy document issued for the selected variant.

Pros

Designed around specified heart-related conditions and procedures.
Includes advertised hospitalisation and day-care benefits.

Cons

Cardiac eligibility and pre-existing condition coverage depend on policy terms.

About Care Health (Insurer Profile)

Care Health

Key Insights

Founded

2012

Care Health was established 14 years ago and has built strong credibility over time, backed by its long-standing presence in the market.

Claims Experience

95.2% CSR, calculated as a 3-year average

Care Health settles 95.2% of all claims it receives, demonstrating strong credibility.

Contact Details

1800 102 6655

Headquarters: Tower C, 3rd Floor, Vipul Tech Square, Golf Course Road, Sector 43, Gurugram, Haryana – 122009, India

Care Heart Mediclaim Features and Benefits

Inpatient hospitalisation

Eligible hospital expenses for covered heart treatment, subject to policy limits.

Day-care treatment

Eligible day-care procedures under policy terms.

Pre-hospitalisation

Eligible medical expenses during the period specified in the policy.

Post-hospitalisation

Eligible follow-up expenses within policy limits.

Organ-donor cover

Eligible donor-related expenses subject to policy conditions.

No-claim bonus

Potential sum-insured increase subject to applicable terms.

Add-ons of Care Heart Mediclaim

Global Coverage

International treatment option advertised by Care, subject to sum insured, geography and policy conditions.

Confirm eligibility and any additional premium.

International Second Opinion

International medical second opinion where available under the selected policy option.

Confirm availability and any additional premium.

Waiting Periods in Care Heart Mediclaim

90 days initial waiting period; 3 years for pre-existing diseases, subject to current policy wording

90 days
Initial waiting period
The official product page lists 90 days. Confirm the issued policy wording and applicable exceptions.
3 years
Pre-existing disease waiting period
The official product page lists 3 years. Confirm the issued policy wording and applicable conditions.

What Care Heart Mediclaim Does Not Cover (Exclusions)

Conditions or treatments that the policy clearly says it will not cover.

Intentional self-inflicted injury, including suicide or attempted suicide.
Cosmetic, aesthetic or plastic procedures unless an applicable policy exception provides cover.
Pregnancy, maternity, childbirth and related expenses, subject to policy terms.

Disclaimer: For illustration purposes only - exact terms are in the policy wording.

Specific Illness Waiting Period in Care Heart Mediclaim

The official product page identifies 16 specified heart conditions and procedures. The list below is based on names published on that page; exact coverage remains subject to the policy definitions.

Pulmonary Thromboembolism
Primary (Idiopathic) Pulmonary Hypertension
Infective Endocarditis
Heart Valve Replacement or Repair
Surgery of Aorta
Cardiomyopathy
Surgery for Cardiac Arrhythmia
Angioplasty
Balloon Valvotomy or Valvuloplasty
Carotid Artery Surgery
Coronary Artery Bypass Graft
Pericardectomy
Surgery to Place Ventricular Assist Devices or Total Artificial Hearts
Myocardial Infarction
Implantation of Pacemaker of Heart
Implantable Cardioverter Defibrillator

What's missing in Care Heart Mediclaim

Eligibility for pre-existing cardiac conditions depends on underwriting and the terms of the issued policy.
The plan focuses on specified heart conditions, so buyers should check whether their wider hospitalisation needs are covered elsewhere.
Review applicable room-rent limits, co-payment and sub-limits before purchase.

Insurer

Care Health plans and claim process

Care Heart Mediclaim FAQs

Which conditions does Care Heart Mediclaim focus on?

The official product page lists 16 specified heart conditions and procedures; exact coverage depends on policy definitions.

What sum insured is available?

The official page lists options from ₹7 lakh to ₹1 crore. Confirm the available options when obtaining a quote.

Are pre-existing heart conditions covered?

Coverage is subject to underwriting, waiting periods and the policy wording.

What is the waiting period?

Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Care Health website before purchasing.