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Care Heart Health Insurance

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Care Health Insurance
Care Heart
Cashless Approval TAT2 hr Cashless Claim Processing
Claim Settlement Ratio95.22%
Network Hospitals21,100+
Pre-existing Disease Coverage FromDay 1
Special BenefitsNo Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs coverageRs. 546/month

About Care Heart Health Insurance

Care Health Insurance Company offers Care Heart, a health insurance policy designed for those with pre-existing cardiac conditions. The plan ensures financial support for hospitalisation expenses related to cardiac surgeries and procedures. It serves as a protective shield for your savings, promoting a happy and fulfilling life for you and your family. Unlike other indemnity health plans, Care Heart by Care Health Insurance provides an additional perk – free annual heart-related health check-ups. This unique feature empowers policyholders to proactively manage their heart health, fostering a preventive approach.

The Care Heart Plan offers both built-in and optional coverage benefits. The built-in benefits are comprehensive, providing all-encompassing coverage, while the optional benefits can be tailored to suit individual coverage needs. The Care Health Insurance plan offers flexibility with multiple sum insured options that involve Rs. 3 Lakh, Rs. 5 Lakh, Rs. 7 Lakh, and Rs. 10 Lakh.

Care Heart Health Insurance At a Glance

Highlights of Care Heart Health Insurance Plan are mentioned in the below table:


Both Individual and Floater


Care Shield, Home Care, etc.


Differentiated Based on the Sum Insured

Key features

Lifelong Renewability, Automatic Restoration of Sum Insured, etc.

Policy Tenure

1, 2 and 3 Years


In Patient Care, Daycare Treatment, and more


AIDs, Injury due to War, Self-inflicted Injuries, etc.

Riders Available With Care Heart Health Insurance

Rides available with Care Heart Health Insurance Plan include the following:

  • Care OPD: This add-on extends coverage to 4 general physician consultations, 4 specialist consultations, and unlimited e-consultation from general physicians. It ensures that expenses related to necessary consultations are included as part of the benefits.
  • Home Care: The Home Care add-on reimburses expenses incurred in hiring a qualified nurse as recommended by a medical practitioner. This service is designed to provide care to the insured person within the comfort of their home, offering personalised and attentive healthcare.
  • Care Shield: This rider cover is a pack of three benefits that involve an inflation shield, claim shield, and no claim bonus shield.

Variants of Care Heart Health Insurance Plan

Here are the different variants of Health Insurance Plans:

Sum Insured

Rs. 3 Lakhs

Rs. 5 Lakhs

Rs.7 Lakhs

Rs. 10 Lakhs

In-patient Hospitalisation

Depending on Your Sum Insured

Day Care Treatment

Up to Sum Insured

Pre-Hospitalisation Medical Expenses and Post Hospitalisation Medical Expenses

Pre-Hospitalisation for 30 days &

Post-Hospitalisation for 60 days;

Maximum up to 5% of SI

Alternative Treatments

Up to 25% of the Sum Insured

Cardiac Health Check-up


Initial Waiting Period

30 Days


20% Co-payment if the entry age is <=70 years

30% Co-payment if the entry age is>70 years

Pre-existing Diseases

24 Months

Pre-policy Issuance Medical Checkup


Home Care (Optional Cover)

Up to Rs.1,000 per day; Max.

7 days per occurrence & Max.

45 days per policy year per

Insured Person; Covered

after a deductible of 1 day

Up to Rs.2,000 per day; Max.

7 days per occurrence & Max.

45 days per policy year per

Insured Person; Covered

after a deductible of 1 day

Key Features of Care Heart Health Insurance Plan

The following are the key features of the Care Heart Health Insurance Plan:

  • Ideal Plan for Heart Patients: The Care Heart Policy is crafted as the perfect solution for individuals with heart conditions, offering specialised coverage and tailored benefits to address the unique needs of heart patients.
  • Available on Individual and Floater Basis: Whether seeking personal coverage or looking to secure the well-being of the entire family, Care Heart Policy provides flexible options, available both on an individual basis and as a comprehensive floater plan.
  • Lifelong Renewability Option: With a commitment to long-term well-being, this policy ensures peace of mind by offering lifelong renewability, allowing policyholders to continue receiving crucial heart-related coverage throughout their lives.
  • Automatic Recharge of Sum Insured Every Policy Year: Care Heart Policy takes the worry out of coverage limits by automatically recharging the sum insured every policy year, ensuring that individuals can face any unexpected health challenges with the confidence of sustained financial support.
  • Helps Track Heart Health on Cashless Basis: Going beyond mere coverage, this health insurance policy actively promotes proactive health management by facilitating regular cardiac health checkups on a cashless basis, empowering policyholders to monitor and maintain their heart health without financial barriers.
  • Waiting Period for Pre-existing Ailments: For any health issues you had before getting the Care Heart Policy, there's a 2-year waiting period before full coverage kicks in. After this time, you're fully covered for those pre-existing conditions.

Eligibility Criteria of Care Heart Health Insurance Plan

The eligibility criteria for the Care Heart insurance plan are as follows:


Eligibility Criteria

Minimum entry age

18 Years

Maximum entry age

No Maximum Age

Number of people covered

Individual: Maximum 6 persons in a policy

Floater: 2 Adults (Self and Spouse)

Sum insured

Rs. 3, 5, 7 and 10 Lakhs

Benefits of Care Heart Health Insurance Plan

This health insurance plan offers the following benefits:

  • Financial Protection: The plan acts as a financial safeguard by covering hospitalisation expenses related to cardiac surgeries and procedures, helping alleviate the financial burden during critical medical situations.
  • Preventive Care: A unique feature of the plan is the provision for free annual heart-related health check-ups. This allows policyholders to proactively monitor their heart health, enabling early detection and preventive care.
  • Flexible Coverage: The plan provides both built-in and optional benefits, allowing customisation based on individual coverage needs. This flexibility ensures that policyholders can choose the level of coverage that best suits their health requirements.
  • Sum Insured Options: With four different sum insured options ranging from Rs. 3 Lakh to Rs. 10 Lakh, policyholders can select the coverage amount that aligns with their healthcare needs.
  • Comprehensive Inclusions: The built-in benefits cover a wide range of medical expenses, ensuring all-round coverage for hospitalisation and related treatments.
  • Home Care Support: In case of a need for home care, the plan provides reimbursement for expenses incurred in hiring a qualified nurse, recommended by a medical practitioner.

Inclusions of Care Heart Health Insurance Plan

Inclusions of the Care Heart plan by Care Health Insurance are mentioned below:

  • In-Patient Care: The Care Heart Plan covers the costs when you need to stay overnight in the hospital for your heart-related treatment like room charge, oxygen, etc up to the sum insured.
  • Day Care Treatment: It also includes 540+ day care treatment expenses for treatments that don't require an overnight stay, like neurology, oncology, etc.
  • Pre and Post Hospitalisation: The plan takes care of 30 days of pre-hospitalisation and 60 days of post-hospitalisation expenses, ensuring comprehensive coverage for your heart health journey.
  • Coverage for AYUSH Treatments: This health insurance policy by Care Health Insurance extends coverage to alternative treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy for a holistic approach to your heart's well-being.
  • Ambulance Expense: The plan includes coverage for ambulance expenses up to a specified amount, making sure you have financial support for emergency transportation related to your heart condition.
  • No Claim Bonus: With the Care Heart Plan, you earn a bonus of up to 50% of the sum insured for staying healthy. It is a reward for not making any claims, which can lower your future premium costs.
  • Domiciliary Hospitalisation: If circumstances prevent you from being in a hospital, the plan covers necessary treatments at home expenses up to 100% of the sum insured after 3 days, ensuring continuous care for your heart condition.
  • Annual Cardiac Health Checkup: The plan promotes proactive health management by offering an annual cardiac health checkup, helping you monitor and maintain your heart health regularly.

Exclusions of Care Heart Health Insurance Plan

The exclusions in the Care Heart insurance plan are as follows:

  • Self-inflicted Injuries: Expenses from self-injury, suicide, or attempted suicide are not covered.
  • Pregnancy and Related Events: Treatment related to pregnancy, childbirth, abortion, miscarriage, and related events is excluded.
  • Fertility Tests and Treatments: Costs for fertility tests, including in vitro fertilization (IVF), are not covered.
  • War and Nuclear Events: Hospitalisation due to war, strikes, civil unrest, or nuclear weapons assaults is excluded.
  • Internal Congenital Disease: Expenses for internal congenital diseases are not part of the coverage.
  • Alcohol or Drug Use: Conditions resulting from alcohol or drug use are not covered by the Care Heart Plan.
  • Disorders of Brain and Spinal Cord: Expenses related to disorders of the brain and spinal cord are excluded from coverage.
  • Chronic Lung, Kidney, and Liver Diseases: Conditions categorized as chronic lung, kidney, and liver diseases are not covered under the plan.
  • AIDS: Treatment and expenses associated with AIDS are not included in the Care Heart Plan coverage.

Documents Required to Buy Care Heart Plan

You will need the following documents:

  • Fill out the application form.
  • Show proof of identity using Aadhar card, Passport, Voter ID, or Driver's license.
  • Confirm your age with documents like a Birth Certificate, School Leaving Certificate, or Passport.
  • Prove your address with Utility Bills, Rental Agreement, or Aadhar Card.
  • Provide passport-sized photos.
  • Sometimes, health check-up reports might be required.
  • Any other documents the insurance company asks for.

How to Buy Care Heart Health Insurance?

To buy the Care Heart Insurance Plan, you need to follow the steps below:

Step 1: Go to the InsuranceDekho website.

Step 2: Click on the "Health Insurance" button.

Step 3: Choose "Care Health Insurance" from the list of health insurance companies.

Step 4: Select the "Care Heart" plan.

Step 5: Read the policy document carefully.

Step 6: Upload the required documents for verification.

Step 7: Pay the medical insurance premium online.

Step 8: You'll receive the policy document via email.

Claim Process for Care Heart Insurance

Below are the ways to claim your Care Heart Health Insurance policy:

Cashless Claim

  • Visit a hospital partnered with Care Health.
  • Provide Care Heart plan details and other information.
  • Submit necessary documents for claim settlement.
  • The insurance company will pay the hospital directly.

Reimbursement Claim

  • Choose a Care network hospital.
  • Pay medical bills at the hospital.
  • Request a reimbursement claim on the insurance company's website.
  • Submit the Care Heart claim form and related information.
  • The insurance company will review and reimburse your medical expenses.

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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

6003 Care Cashless Network Hospitals in India

Choose Care Health Insurance Critical Illness Plan

Care Heart User Reviews

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What users are saying
  • All
  • Superb claim assistance

    I hold Care Health Insurance’s Care Heart Plan for my father. Recently he had to get a minor surgery from a network hospital. He has a cashless mediclaim, so I made the claim on InsuranceDekho. I uploaded the required documents and the claim got settled easily.

    By Pratiksha Bobde
    On: Jan 28, 2021
  • Assistance during claim settle...

    I own Care Health Insurance’s Care Heart plan. Besides free annual health check-ups, this plan covers the cost incurred in case of medical emergencies. I made a claim under my policy on InsuranceDekho by reading the instructions given on the website and it got settled on time.

    By Janki Bhutia
    On: Jan 18, 2021
  • Get all information you need!

    InsuranceDekho is such an informative website. I used it to buy the Care Heart policy of Care Health Insurance for my mother. Starting from its benefits to its estimated premium, the site provided me with every aspect of the policy. This was so helpful.

    By Adrija Chakrabarty
    On: Nov 10, 2020
  • A great plan for me!

    This is a unique plan for patients suffering from heart related diseases. I have used this plan for more than one year. This is an exclusive scheme which is not readily available with any other insurer. This plan offered me with distinct features where free heart related health check is also there. In short, I find this plan great for me.   

    By Shiv Raman Prasad
    On: Mar 02, 2020
  • It deserves applause

    The care heart plan has the biggest heart. It gave me every possible help from benefits to claim settlement process. The customer team is brilliant and experienced. They hardly failed to give me any answer. I love as well as respect this plan due to its services, benefits and affordability.   

    By Mayank Chandra
    On: Mar 02, 2020

Add-ons to Enhance Benefits

  • OPD Care

    The amount pertaining to outpatient consultations, diagnostic examinations and medicines are covered as an add-on benefit. 

  • International Second Opinion

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

  • 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.

  • 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

  • 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
  • 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
  • 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.

Care Care Heart Brochure

  • 433.96 KB
  • PDF Document
  • Jun 06, 2019

Claim Process at Care Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Care Heart Health Insurance Plan

  • 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.

  • 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.

  • What is the available term of the plan?

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

  • 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.

  • 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.

  • What is automatic recharge of sum insured?

    Under automatic recharge of sum insured, 100% of the sum insured is restored if it is exhausted in any policy year on earlier claims.

  • Does the plan allow no claim bonus?

    Yes, the plan allows no claim bonus if no claim is made in a policy year. As a bonus, 10% of the sum insured is increased for every claim-free policy year subject to a maximum increment of 50% in aggregate.

  • What optional benefits are available under the plan?

    The optional coverage benefits available under the plan include OPD care, international second opinion, home care and active health check-up.

  • What is home care?

    Under the coverage benefit of home care, expenses incurred in hiring a nurse for the care of the patient would be covered. The allowable limit under this coverage is Rs. 1000 per day for sum insured levels of Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh and Rs. 5 Lakh and Rs. 2000 per day for sum insured levels of Rs. 7 Lakh and Rs.10 Lakh. The benefit is paid for a maximum of 7 days per occurrence and a maximum of 45 days over the aggregate policy period.

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