Care Heart health insurance

Care Heart insurance plan highlights

• Key features of Care Heart insurance plan

  Some of the key features of this plan include:
  

  • Room Rent :Upto 1% of Sum Insured for a Private Single A/c Room
  • Co-pay :Co-pay upto 20% co-pay for claims
  • Restoration Benefit: NIL Restoration Benefit
  • No upper limit on entry age
  • Enrols for who have undergone heart surgery in last 7 years
  • Only 2 years wait period for pre-existing ailments
  • No pre-policy medical check-up
  • 540+ Day Care Treatments
  • Covers Alternative Treatments

• Eligibility to buy Care (Formerly Religare) Care Heart insurance plan

  Entry Age – Minimum	18 Years
  Entry Age – Maximum	No Maximum Age
  Renewable	Life long
  Cover Type	Individual : Maximum 6 persons in a Policy Floater :2 Adults (self and spouse)
  Tenure	1/2/3 Years
  Eligibility Criteria	Person/either one Person in case of a Floater Policy with 2 Adults, who have been diagnosed with a cardiac ailment/disorder in the past and undergone a Cardiac surgical intervention or procedure for the same
  Who are Covered (Relationship with Respect to the Proposer)	Individual: Self, legally married Spouse, Son, Daughter, Father, Mother, Brother, Sister, Mother-in-Law, Father-in-Law, Grandmother, Grandfather, Grandson, Granddaughter, Uncle, Aunt, Nephew, Niece, Employee or any other relationship having an insurable interest.
  Notes	- All the Age calculations are as per “Age Last Birthday” as on the date of first issue of Policy and / or at the time of Renewal. Option of Mid-term inclusion of a Person in the Policy will be only upon marriage or childbirth; Additional differential premium will be calculated on a pro rata basis - If Insured persons belonging to the same family are covered on an Individual basis, then every Insured person can opt for different Sum Insured and different Optional Benefits - Your Eligibility Criteria is Subject to Underwriting Criteria of the Company.

• Coverages under Care (Formerly Religare) Care Heart insurance plan

  Sum Insured (all figs in ₹ INR)	3,00,000	5,00,000	7,00,000	10,00,000
  In-Patient Hospitalization	Up to Sum Insured
  Room Rent / Room Category	Up to 1% of SI per day	Single Private Room
  ICU Charges	Up to 2% of SI per day	No Limit
  Day Care Treatment	Up to Sum Insured
  Pre Hospitalization Medical Expenses and Post Hospitalization Medical Expenses	Pre-Hospitalization for 30 days & Post-Hospitalization for 60 days; Maximum up to 5% of SI
  Alternative Treatments	Up to 25% of Sum Insured
  Ambulance Cover	Up to Rs 2,000 per Hospitalization		Up to Rs 3,000 per Hospitalization
  Domiciliary Hospitalization	Up to 100% of Sum Insured covered after 3 days
  Automatic Recharge	100% of original Sum Insured upon exhaustion of SI
  No Claims Bonus	10% increase in SI per Policy Year in case of claim-free year; Max up to 50% of SI (10% decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCB)
  Cardiac Health Check-up	Annually
  Wait Periods
  Initial Waiting Period	30 Days
  Specific Waiting Period	24 Months
  Pre-existing Diseases	24 Months
  Co-payment	20% Co-payment if the entry age<=70 years 30% Co-payment if the entry age>70 years
  Pre-policy Issuance Medical Check up	None
  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

• Benefit Description of Care Heart insurance policy

  Comprehensive coverage for hospitalization expenses The main feature of Care Heart is to cover expenses that will be incurred during hospitalization. One can use the cashless facility or get the costs reimbursed. It is always good to have a breakdown on what is covered for e.g. expenses include room charges and nursing expenses, amongst others apart from main treatment charges. One also gets adequate coverage for day care treatment.
  
  Pre - hospitalization and post - hospitalization benefits Medical expenses are not just restricted to the hospitalization costs, so with Care Heart the insured is covered for pre-hospitalization and post-hospitalization expenses as well. All one needs to do is just focus on your treatment and recovery – the insured are covered for 30 days preceding the hospitalization and 60 days after discharge.
  
  Coverage for alternate treatments Our health insurance for cardiac patients accommodates alternative medicine so the insured can get coverage for supplementary Ayurveda or Unani treatments.
  
  Ambulance expenses Coverage for Ambulance expenses is a built-in feature of the plan.
  
  Domiciliary hospitalization coverage Illness does not necessarily mean hospitalization – in some cases, the insured will be recommended domiciliary care. This usually happens when the patient is too sick to be transferred, so to avoid the additional stress of transference, home based care is recommended. Care Heart covers domiciliary treatment expenses as well.
  
  Automatic recharge facility Our cardiac health insurance has an automatic re-charge feature so the sum insured once exhausted is automatically topped-up on the policy.
  
  Get no claims bonus If one has not made a claim for an entire policy year, your Sum Insured is increased by 10% over the previous year Sum.
  
  Cardiac health check-up Care Heart includes an annual check-up for insured members, at no extra cost, which assesses comprehensive cardiac and other related parameters. Staying informed is the best way to stay healthy.
  
  Optional cover for OPD expenses This covers OPD expenses which include pharmacy, diagnostics, and consultation costs. The diagnostics cover will be 50% of the total coverage for OPD care.
  
  International Second Opinion Care Heart gives the insured the freedom to go ahead and take an International Second Opinion at no extra cost specially arranged by us.
  
  Home Care Option Health treatment doesn’t end at discharge and the insured may need a detailed home care routine that involves registered professionals and specific treatments. Care Heart gets the insured ahead on the road to recovery with its Home Care option. This benefit needs to be utilized within 30 days of discharge and this form of treatment should be recommended by a medical practitioner.
  
  Active health check-up Active health check-ups are also integral to maintaining health of the insured patient. There certain tests that are indispensable and Care Heart has that covered. This includes coverage for tests like lipid profile, fasting and PP blood sugar test, and blood pressure test up to three times a policy year