Religare Care Heart is a heart insurance plan that offers coverage for pre-existing heart illnesses. A specific heart insurance product serves as ideal health insurance for cardiac patients i.e. those with pre-existing heart ailments.
Why do you need a heart insurance plan?
Fast-changing lifestyles and food habits have contributed to an increase in heart-related ailments by 50% in the period between 1990 and 2016. Heart disease has a lot of attention now but you still need to be alert and make the right choices so that expenses and costs don’t cripple your family’s financial security in the long run. If you are thinking of getting health insurance or upgrading your existing one, coverage for heart-related treatments is an important consideration factor.
What is covered under Care Heart?
Comprehensive coverage for hospitalization expenses
The main feature of Care Heart is to cover expenses that will be incurred during hospitalization. You can use the cashless facility or get the costs reimbursed. It is always good to have a breakdown of what is covered for e.g. expenses include room charges and nursing expenses, amongst others apart from main treatment charges. You also get adequate coverage for daycare treatment.
Pre-hospitalization and post-hospitalization benefits
Medical expenses are not just restricted to the hospitalization costs, so with Care Heart, you are covered for pre-hospitalization and post-hospitalization expenses as well. All you need to do is just focus on your treatment and recovery – the insured is 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 you can get coverage for your supplementary Ayurveda or Unani treatments.
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 you have 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.
Additional benefits under Care Heart?
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 you 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 you 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 the 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.
The standard policy exclusions are -
Any diagnosis of diseases / undergoing of surgery/occurrence of an event, whose signs or symptoms first occur within 30 days of Policy Period Start date.
Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
Medical expenses incurred for treatment of AIDS
Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion, and its consequences
Tests and treatment relating to infertility and in vitro fertilization.
War, riot, strike, nuclear weapons induced hospitalization.