Your heart is the vital organ of the body that works around the clock for you. A healthy heart beats about 115,000 times and pumps about 2,000 gallons of blood each day. It provides blood and oxygen to all other parts of the body. Therefore, the health of your heart has the utmost importance. Our Heart Care Mediclaim has been designed specifically for covering heart ailments without financial worries.
It is a holistic heart care plan or cardiac insurance covering hospitalisation expenses due to heart ailments so that you can come out well. Our mediclaim policy covers 16 major heart ailments and comes with an option to pay a premium in easy EMIs.
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The sedentary lifestyle, bad eating habits, work stress, and lack of physical activities make Indians more vulnerable to heart diseases. Due to cardiac conditions, the death rate has risen in India. Moreover, health care costs have also increased drastically in the past few years. Hospitalisation due to heart ailment can make a dent in your savings. To save your finances, Care’s medical insurance for heart patients comes to your rescue. Our cardiac care plan saves you from unnecessary hassle of arranging money while you are experiencing a heart condition.
Therefore, Heart Mediclaim is necessary. The primary purpose of Health Insurance for Heart Patients is to cover your hospitalisation and treatment expenses related to heart illness so that your heartbeat does not create a burden on your pocket. With comprehensive coverage for heart-related treatments and other benefits, heart insurance policy gives the best care for your heart. Thus, heart care health insurance becomes a necessary investment that can save you during health conditions related to heart.
We at Care offer Heart Mediclaim that reduces your financial stress during a medical crisis. Below are the unique features of health insurance for heart patients:
Heart Care Mediclaim-a comprehensive Heart Insurance that helps your heart beating healthily. Read below what all we cover under the mediclaim for heart patients:
In-Patient Care
We know heart care cost is skyrocketing. But do not worry! We cover in-patient care expenses if hospitalisation is for at least 24 consecutive hours or more under our best care health insurance for heart plan
Day Care Treatment
Why admit to the hospital when you can avail day-care treatment for your heart's health. Yes! We cover several day-care treatments related to the heart under heart mediclaim.
Pre and Post-Hospitalisation Coverage
Our best insurance for heart patients vide coverage for pre and post-hospitalisation expenses for 30 days preceding the hospitalisation and 60 days after discharge from the hospital.
Alternative Treatments
Conventional and alternative treatments like AYUSH (Ayurveda, Unani, Sidha, and Homeopathy) help in speedy recovery. We cover them too under our mediclaim policy for a heart patients.
Ambulance Cover
You will also get the ambulance cover under this mediclaim for heart patients if you used it during a medical emergency up to a specified amount per hospitalisation.
No Claims Bonus
We raise cheers to your good health and reward you for keeping your heart healthy. You will get no claim bonus for every claim-free year under cardiac care health insurance policy.
OPD Expenses
Heart ailments are not easy to deal with. It requires regular doctor visits, medication, and diagnosis. Our best mediclaim for heart patients plan covers diagnostic+ consultations+ pharmacy all in one.
Annual Cardiac Health Check-Up
We Finbank India for your heart that is why we offer annual health check-ups under heart Mediclaim. You can avail of an annual health check from the 2nd policy year.
Heart mediclaim has some exclusion. These are the diseases/ medical procedures/treatments/ excluded from the policy coverage. Read what is not covered under this cardiac care health insurance:
Cardiovascular diseases have high rates of morbidity, mortality, and disability rate. One out of four deaths in India is because of cardiovascular diseases. Medical inflation is rising day after day. One-time hospitalisation can cost you lakhs of rupees, so it is necessary to secure yourself financially with heart mediclaim insurance as early as possible. It will protect you in the hour of need when a minor health condition turns into a bigger problem in the future that requires hospitalisation. Following are the reasons that help you to understand its necessity:
| Entry Age-Minimum | Child: 91 days to 4 years with at least 1 member of age 18 years or above is covered or 5 years on an individual basis Adult: 18 years and above |
| Entry Age-Maximum | 50 Years |
| Exit Age | No Exit Age |
| Age of Proposer(Adult) | 18 years or above |
| How can You Cover Yourself | Individual basis (maximum up to 6 Persons having same/different sum Insured) |
Note: All the age calculations are as per "Age Last Birthday" as on the date of the first issue policy and/or at Renewal's time.
Care heart insurance claim settlement process is quick and easy. In the case of an emergency, you need to intimate our customer support team within 24 hours of hospitalisation and before 48 hours in case of planned admission. Below are the simple steps to file the claim if you have the best mediclaim policy for heart patient:
| Cashless Claim Process | Reimbursement Claim Process |
|---|---|
| Step 1: Go to a listed in-network hospital. | Step 1: Submit your claim form along with other required documents. |
| Step 2: Fill out the proper forms at the insurance desk. | Step 2: You'll get an approval letter when your claim is verified. |
| Step 3: Send the completed form to our claim management team. | Step 3: Respond to queries raised by the claim management team. |
| Step 4: You'll get an approval letter when your claim is verified. | Step 4: Get approval from the claim management team. |
| Step 5: Respond to queries from the claim management team. You will receive communication about whether your cashless claim is approved or rejected within the standard TAT. | Step 5: Our claims team will contact you if there are specific reasons for rejecting your claim. |
Getting your heart health insurance plan is the safest way to protect your heart and finances as it provides coverage against any possible certain or uncertain risks related to heart. Here is a quick guide to buying online insurance for yourself:
Step 1
Visit our website and select a suitable health policy.
Step 2
Click on ‘Get Quote’ and provide relevant details.
Step 3
Enter the required information and customise your policy.
Step 4
Make payment through any secure digital payment mode.
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