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Reviewed by Finzony Finance TeamLast updated:
Care Heart is a dedicated health insurance plan designed for individuals with pre-existing cardiac conditions or a history of cardiac surgery/procedures. It provides coverage for hospitalisation, day care treatment, cardiac health check-ups, ambulance, AYUSH treatment, domiciliary hospitalisation and automatic recharge, subject to the applicable policy terms and limits.
Heart-focused plan with a shorter 2-year wait for pre-existing conditions
Care Heart is designed for people who have already experienced a cardiac condition or undergone a cardiac procedure. Its major advantage is a 24-month waiting period for pre-existing diseases instead of the longer waiting period commonly found in standard health insurance products. However, the plan has co-payment and specific sub-limits, so these should be considered before purchase.
Care Health Insurance
Key Insights
Founded
2012
Care Health Insurance 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 Insurance settles 95.2% of all claims it receives, demonstrating strong credibility.
Network Hospitals
11,400+
Care Health Insurance has a network of 11,400+ hospitals, ensuring wide accessibility and convenience for policyholders.
Eligible hospitalisation expenses are covered up to the applicable sum insured, subject to policy terms and applicable sub-limits.
Care Heart is specifically designed for eligible cardiac patients requiring hospitalisation.
Eligible day care procedures are covered subject to applicable policy terms and limits.
The plan covers a wide range of eligible day care procedures.
Eligible medical expenses incurred before hospitalisation are covered within the applicable policy limit.
Current Care information specifies 30 days of pre-hospitalisation coverage up to the applicable limit.
Eligible medical expenses incurred after discharge are covered within the applicable policy limit.
Current Care information specifies 60 days of post-hospitalisation coverage up to the applicable limit.
Eligible ICU expenses are covered subject to the applicable room and ICU limits.
ICU limits vary according to the selected sum insured.
Optional OPD support can provide access to physical consultations and other eligible OPD services.
Available only when selected and paid for separately.
Optional home-care support may be available for eligible treatment requirements.
Additional premium and separate terms apply.
Initial waiting period: 30 days. Pre-existing disease waiting period: 24 months. Specific waiting period: 24 months.
Initial Waiting Period
A 30-day initial waiting period applies to illnesses, except accidental injuries.
Pre-existing Diseases
Pre-existing diseases are covered after 24 months of continuous coverage, subject to policy terms.
Specific Waiting Period
Specified ailments and treatments are subject to a 24-month waiting period.
Pre-existing Cardiac Conditions
Eligible pre-existing cardiac conditions are covered after the applicable 24-month waiting period.
Conditions or treatments that the policy clearly says it will not cover.
Care Heart is specifically designed for people with cardiac conditions or a history of cardiac surgery/procedures. Eligibility is subject to the applicable cardiac condition and treatment history criteria.
Insurer
Care Health Insurance plans and claim process
Care Heart is designed for individuals with eligible pre-existing cardiac conditions or a history of cardiac surgery or procedures.
Yes. Care Heart is specifically designed for eligible people with cardiac conditions or a past cardiac surgery/procedure, subject to the product eligibility criteria.
The pre-existing disease waiting period is 24 months.
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 Insurance website before purchasing.
Contact Details
1800 102 6655
Headquarters: Tower C, 3rd Floor, Vipul Tech Square, Golf Course Road, Sector 43, Gurugram, Haryana – 122009
The aforementioned ratios have been averaged over three years (FY24-FY26)
Optional access to an international second medical opinion may be available for eligible medical conditions.
Available as an optional benefit subject to applicable terms.
Additional healthcare support may be available through selected optional benefits.
Availability depends on the selected product configuration.
Specified Procedures
Specified procedures remain subject to applicable waiting periods, sub-limits and policy conditions.
Yes. A 30-day initial waiting period applies to illnesses, except accidental injuries.
No. The current Care Heart product information states that no pre-policy medical check-up is required.
The Care Heart plan offers sum insured options of ₹3 lakh, ₹5 lakh, ₹7 lakh and ₹10 lakh.
The minimum entry age is 18 years.
No. The current Care Heart product information does not specify a maximum entry age.
Yes. Care Heart provides lifelong renewability subject to the applicable policy terms.
Eligible treatment and hospitalisation related to covered cardiac conditions and procedures are covered subject to the policy terms, waiting periods and applicable limits.
Yes. An annual cardiac health check-up is available subject to the applicable policy terms.
Yes. The automatic recharge feature can restore the sum insured after exhaustion subject to the applicable policy conditions.
Yes. The current product information specifies 20% co-payment when entry age is 70 years or below and 30% co-payment when entry age is above 70 years.
Yes. Sub-limits apply to certain expenses including room rent, ICU charges, cataract and total knee replacement. Specific surgery limits may also apply according to the policy terms.
Yes. AYUSH treatment is covered subject to the applicable policy terms.
Yes. Eligible domiciliary hospitalisation is covered subject to the applicable policy conditions.
Yes. Eligible domestic road ambulance expenses are covered subject to the applicable limit.
The plan provides a No Claim Bonus of 10% of the sum insured for every claim-free year, up to a maximum of 50% of the sum insured.
Yes. The floater structure can cover 2 adults, while the individual structure can cover up to 6 persons, subject to the applicable policy terms.
The current Care information mentions conditions including first-time PTCA or CABG within the previous 7 years, corrected ASD/VSD/PDA, cardiac conditions treated through RF ablation, and an angiogram without subsequent medical intervention, subject to eligibility terms.