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Health Insurance 2945 views December 18, 2019
With a rise in a sedentary lifestyle, unhealthy food habits and lack of exercise have contributed to the rise in heart disease in India. Heart-related illness or any kind of pre-existing heart condition have increased by 50% in the last decade. Pre-existing heart conditions and illness require constant medical supervision thereby resulting in erosion of your savings. Buying a good health insurance plan offering coverage of heart diseases is the best solution to protect your savings and avoid stressful situations for your family.
Care Health Insurance Company is one of the leading health insurance providers in India, dedicated to offering unique health insurance plans with amazing benefits. Care Heart is one such health Mediclaim plan provided by Care Health Insurance Company that offers coverage for pre-existing heart conditions. If you are having a pre-existing heart condition then buying a specific health insurance product will serve the purpose of safeguarding your savings in the event of medical emergencies like heart attack, angioplasty, etc.
Table of Contents
The Care Heart Plan of the Care Health Insurance Company is a holistic heart care plan that covers all the expenses related to the treatment. The Care Health Insurance company has created this plan with a lot of attention so that the medical treatment doesn’t cripple your financial condition and help you remain stress-free in times of emergency. The following are the details of coverage offered under the plan:
The main motive of the Care Heart Plan is to offer comprehensive coverage of hospitalization. You can avail of either cashless facility or get the hospitalization expenses reimbursed.
Heart ailments need close attention so frequent visit to doctors before and after the treatment is very important. The Care Heart Policy covers for the expenses of pre-hospitalization (30 days preceding the date of hospitalization) and post-hospitalization expenses (60 days from the date of discharge from the hospital).
Many patients are in favour of alternative treatments like Ayurvedic or Unani. The Care Heart Policy offers coverage for such supplementary or alternate treatments.
The transportation of the patient is to and from the hospital requires an ambulance. The Care Heart Policy offers in-built coverage of Ambulance Expenses.
The Care Heart Mediclaim policy covers for domiciliary expenses incurred for home-based treatments.
The Care Heart health Insurance Plan offers a unique feature of automatic recharge of the sum insured. In the event of exhaustion of sum insured an automatic top-up of the health insurance plan is offered under the Care Heart Policy.
Care Health Insurance company offers No Claims Bonus of 10% for every claim-free year. So, if no claim is registered in a particular year then the no claim bonus is offered by way increase in Sum Insured by 10%.
Care Health Insurance Company offers free cardiac health annual check-ups for insured members.
Apart from the above-stated features the Care Heart Health Insurance policy also offers the following additional benefits:
Minimum Age at Entry | For Adults: 18 Years |
Maximum Age at Entry | Life-Long |
Type of Cover | Individual or Family Floater (for 2 adults) |
Renewal | Lifelong renewal of policy is allowed |
Renewal Premium | As per the norms and prior approval from IRDA |
Co-Payment | 20 per cent per claim |
Waiting Period | 30 days of the initial waiting period |
Specific Waiting Period | 2 years (24 months) |
The waiting period in case of a pre-existing condition | 2 years (24 months) |
The standard exclusions under the policy are:
Conclusion
Care Health Insurance Company’s – heart Mediclaim policy is a must buy health insurance plans for patients having a heart condition. The plan offers holistic coverage and covers most of the healthcare expenses. Apart from the amazing health insurance plan the company is also well-known for the best customer service.