Care (Formerly known as Religare) Health Insurance is designed to the cater to the insurance needs of the individuals in terms of cardiac ailments. The policy offers a financial safety net for medical emergencies and the freedom to avail of quality healthcare in more than 11000 cashless hospitals. The Care Heart Health Insurance offers the facility of annual health check-up for monitoring the medical condition. One of the alluring benefits of the policy is there is no entry age restriction to avail the policy.
Policy Type |
Cardiac Policy for heart patients |
Cashless benefits |
1100+ network hospitals |
Claim Settlement Ratio |
92.3% |
Annual Check-up |
Available |
SI options |
3 lakh, 5 lakh, 7 lakh, 10 lakh |
Lifelong Renewability |
Yes |
The policy provides coverage for a 1/2/ 3 years tenure. Heart ailments require long term healthcare and monitoring. The Care (Formerly known as Religare) Heart Health Insurance provides a wide range of benefits to the insured.
In addition to the primary coverage described above, the Care (Formerly known as Religare) Heart Health Insurance Policy provides the following benefits:
The insured should be aware of the applicable exclusion once the decision to buy Care (Formerly known as Religare) Heart Health Insurance is made:
The Care (Formerly known as Religare) Heart Health Insurance is specifically designed for the insured who has been diagnosed with a cardiac disorder and undergone a Cardiac Procedure in the past. Anyone who intends to buy Care (Formerly known as Religare) Health Insurance can find these features and benefits available with the policy.
The minimum eligibility condition to buy this policy are:
Type |
Individual and Family Floater
|
Minimum Entry Age |
18 years |
Maximum Entry Age |
No limit Lifelong policy renewability |
Number of people covered |
· Individual Basis for a maximum of 6 persons · Floater with two adults comprising Self and Spouse |
Residential Status |
Residents of India, including citizens, & Permanent Residents |
The rule for cancelling the Care (Formerly known as Religare) Health Insurance policy is defined in the Free Look clause, where the insured is free to cancel the policy and seek a refund within the specified period. The usual period is 15 days, while for the online Care (Formerly known as Religare) Heart Health Insurance purchase, it is 30 days.
Ans: Varying sub-limit amounts apply to Cataract, Total Knee Replacement, Hernia surgery, Hysterectomy, Renal Stones, treatment and surgery of Cancer, among others, to name a few.
Ans: The amount is limited to a maximum of 5% of the Sum Insured.\
Ans: For Sum Insured of Rs 3 lakh, the Room Rest is 1% of the Sum Insured (SI)and ICU 2% SI per day. For higher Sum Insured, no limit has been specified.
Ans: No, it is not necessary to undergo any medical check-up.
Ans: It is either Rs 1,000 or Rs 2,000 per day, for seven days per occurrence and a maximum of 45 days in a policy year per insured person, depending on the plan. (Covered after 1-day deductible in each hospitalization)
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