Care Health Care Heart Plan

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

• Private Single AC Room
• Twin Sharing
• General Ward

Coverage status under Care Heart Plan?

Under Care Heart Plan, the room rent is covered up to 1% of SI per day.

Under Care Heart Plan, the room rent is covered for a Single private room for SI> INR 3 Lakh.

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Care Heart Plan Plan?

Under Care Heart Plan, ICU charges are covered up to 2% of SI per day.

Under Care Heart Plan, ICU charges have no limit for SI> INR 3 Lakh

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Care Heart Plan?

This plan covers medical expenses incurred during pre-hospitalization for up to 30 days.

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Care Heart Plan?

This plan covers medical expenses incurred during post-hospitalization for up to 60 days.

Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under Care Heart Plan?

Under Care Heart Plan, domiciliary hospitalization is covered Up to 100% of SI covered after 3 days.

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Care Heart Plan?

This plan covers the expenses of daycare treatment up to Sum Insured.

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.

Coverage status under Care Heart Plan?

This plan covers OPD charges.

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved Centre.

Coverage status under Care Heart Plan?

Covid-19 Covered.

A common eye condition in which your vision gets blurred.

Coverage status under Care Heart Plan?

The plan covers cataract treatment expenses

• Up to INR 20K for SI 3 Lakh INR
• Up to INR 30K for SI> 3 Lakh INR

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Care Heart Plan?

The cumulative bonus will be increased by 10% in respect of each claim-free policy year to a maximum of 50% of the sum insured.

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Care Heart Plan?

Automatic restoration is available, 100% of the original Sum Insured upon exhaustion of SI.

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under Care Heart Plan?

The daily hospital cash is not available

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Care Heart Plan?

Under the plan, Organ Donor expenses are not covered.

It refers to the cover that includes expenses for normal and c-section procedure deliveries.

Coverage status under Care Heart Plan?

Maternity expense is not covered under the care heart plan.

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

• Congenital anomaly (conditions since birth)
• Acute condition
• Chronic condition
• Premature delivery
• Birth asphyxia
• Day care treatment

Coverage status under Care Heart Plan?

New Born Baby Cover is not available under the care heart plan.

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Care Heart Plan?

Covered under Care Heart Plan up to 25% of Sum Insured.

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

• Full infertility
• No fertility
• Infertility diagnosis
• Infertility diagnosis and limited fertility treatment
• Medication (which may or may not include fertility drug prescriptions)

Coverage status under Care Heart Plan?

Not available.

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Care Heart Plan?

Under Care Heart Policy modern treatments are not covered.

An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.

Coverage status under Care Heart Plan?

Covered Up to SI under Care Heart Plan

• Up to Rs 2,000 per Hospitalization for SI< 5 Lakh INR
• Up to Rs 3,000 per Hospitalization for SI> 7 Lakh INR

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Care Heart Plan?

Not Covered.

Refers to the traveling expenses of a family member of the insured person in case the policyholder get admitted to a hospital outside his/her residential city.

Coverage status under Care Heart Plan?

Not available

Any kind of medical/health emergency when you are outside of India.

Coverage status under Care Heart Plan?

Not available

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Care Heart Plan?

The plan does not cover e-consultations.

A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.

Coverage status under Care Heart Plan?

Under the Care Heart plan, an annual heart health checkup is available.

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under Care Heart Plan?

Not Available

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Care Heart Plan?

The plan does not cover vaccination expenses.

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under Care Heart Plan?

Applicable

• 20% Co-payment if the entry age <=70 years
• 30% Co-payment if the entry age > 70 years

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Status under Care Heart Plan?

Applicable

• Cataract
• Up to INR 20K for SI 3 Lakh INR
• Up to INR 30K for SI> 3 Lakh INR

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Care Heart offers the insured individual a total knee replacement surgery coverage Up to Rs. 1,20,000 per knee.

Care Health Care Heart Plan offers annual heart health check-ups.

Care Heart offers additional coverage options such as home care and care shield under this plan. Home care provides coverage for expenses incurred toward hiring a qualified nurse for providing medical care to the insured person.