Care Heart Health: A Comprehensive Policy for Heart-Related Diseases

• Written by Mudit Handa

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The heart is the major organ that controls all other functions. But when you indulge in smoking, drinking, digging in junk foods and refined sugars, you forget the pressures put on the heart to keep the body functional. As per the warning issued by established cardiologists, India could record the highest number of cardiac deaths globally by the year 2030. Thus, it is crucial to take care of your heart health. However, with increasing medical expenses, people tend to avoid regular checkups, tests, and doctor visits. All these factors, in due course, impact not only your health but also your peace of mind and your bank balance. Thus, Cardiac Health Insurance has become the need of the hour. We at Care Health Insurance offer Care Heart, which not only provides a safety net to your heart in emergencies but also a long-term investment plan that keeps you financially stress-free.

Care Heart Features

Here are the benefits of investing in our heart care insurance policy:

The policy provides quality and cost-effective heart care with lifelong renewability so that you do not need to look to augment your health care with your savings. Some of the important features of this policy are summarised below:

1. All-in-one Coverage

You can protect your family during a crisis with family floater plans which offer medical as well as non-medical coverage.

2. Tax Benefits

Tax deductions under 80D help you save on your year-end tax payments. The more members join under the floater plan, the more savings you can have on the entire family’s income. Hence, it also becomes an important investment tool in the long run.

3. Required Customisation

Adjust the policy coverage, tenure, and value-added benefits to suit your and your family’s needs. After all, you would want the best heart failure treatment for your family as well.

4. Cashless Facility

Heart failure care not only involves surgical expenditures but also includes critical and long-term post-operative care and medications. With Care Heart’s network of 22000 plus healthcare providers, you can focus on recovery rather than worrying about arranging funds during any crisis.

5. Recharge Sum Insured

Sometimes due to unprecedented incidents, the cost of pre and post-hospitalisation may exhaust your sum insured. Care Supreme family plan helps you to recharge your sum insured in an unlimited manner.

Care Heart Coverage Benefits

Congestive heart failure is a chronic, incurable condition where heart muscles are unable to contract or fill up the heart with blood. Hence, a long-term investment is required in heart care with coverage benefits that go beyond hospitalisation. Some important benefits that Care Heart offers are listed below:

1. In-patient Care Benefits

The policy will take care of all the requirements like room charges, doctor consultation, oxygen, tests, and medications as per your sum insured.

2. Daycare Coverages

This policy also covers almost 540 or more daycare procedures that involve less than 24-hour hospitalisation like pediatric surgery, neurology, oncology, etc.

3. Pre and Post-Hospitalisation

The best treatment for congestive heart failure can only be provided if your policy covers your expenses for both pre and post-hospitalisation for a considerable amount of time. Care health policy covers expenses for 30 days before and 60 days after hospitalisation.

4. AYUSH Treatments

A unique feature of this policy is that it will also support alternative medical treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy, up to a specified amount.

5. Ambulance Expense

You need not worry about reaching the hospital on time in emergencies. The policy even covers the ambulance costs per hospitalisation up to a specific amount.

6. Coverage for Domiciliary Treatment Cost

If you want your treatment to be done at home, the policy will cover up to 100% of the sum insured after 3 days.

7. Bonus for No Claim

You will also earn in this policy if you maintain your health and make no claim within the policy term. 50% of the sum insured is added as a cumulative bonus every year with nil claim.

8. Cardiac Health Check-up

As a part of a comprehensive package for heart care, preventive health checkups are also included in the policy once a year.

>> Also Read: 6 Habits that are Bad for your Heart

Types of Care Heart Policies

1. Heart Health Insurance

This is an exclusive heart care policy for you if you have already been through cardiac surgery. The add-ons are also very lucrative if you are suffering from heart ailments for a long time and require frequent treatments.

Home Care

If you are required to hire a qualified nurse as per your doctor's recommendation, the policy will cover all the expenses towards it.

Care Shield

Care Heart has 3 shields or benefits. Claim shields cover costs for masks, gloves, and attendant charges. In case the claim amount is less than 25% of the sum insured, No Claim Bonus is paid out for the year. An Inflation Shield protects you from the ever-growing inflation rate as the base policy sum insured is increased accordingly each year.

Care OPD

You will be covered for general physician consultation as well as specialist consultation with a maximum amount of 500 per consultation. The 14 specialist consultations include:

• Paediatrician
• Obstetrics and Gynecologist
• Homeopathic Physician
• Dietician
• Diabetologist
• Dermatologist
• Pulmonologist
• Psychiatrist
• Cardiologist
• Neurologist
• Orthopedic Surgeon
• Nephrologist
• Gastroenterologist
• Ear Nose Thorat specialist

You can also download the Care mobile app for unlimited online consultations with General Physicians.

2. Care Heart For Advanced Treatment

If you want something exclusive for your heart care, Care heart has got you covered. It covers advanced treatments like Robotic Surgeries Balloon Sinuplasty, Intra vitreal injections etc.It even covers pre-existing conditions subject to certain terms and conditions. The additional benefits of no claim bonus and lifelong renewability are also available.

So go ahead and choose the policy that best suits your needs and protects your family from future financial burdens.

To Wrap Up

It is not sufficient to just take care of your health through exercise and the right diet. Investment in the right health policy goes a long way, especially for your heart care. Hence, it is essential to know which policy to choose as you have too many options in the market. Care Heart’s health policies provide you with customised options that help you to make informed decisions during emergencies without worrying about burning a hole in your pocket. The earlier you start, the better it is for yourself and your loved ones. Check out further details on the Care Health website and invest now to be confident and healthy.

Disclaimers: All plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.