What is Care Heart Health Insurance Plan?
The Care Heart Plan is a unique health insurance package to individuals with already existing heart conditions or those who have had heart operations. It is meant to cater to the medical requirements of people who are recovering due to heart issues or having a prolonged heart disease.
At Care Heart, one can receive heart-related treatments; however, unlike normal health insurance plan, the center is specialized. It provides cover on in-patient treatment, frequent visits to the doctor, and recovery costs after an operation. In case you have undergone a heart surgery within the past 7 years or you are facing heart diseases, this plan has been specifically designed in your favour.
It provides you with a network of cashless hospitals, an annual heart health check-up and value added benefits that cater to you during and after treatment.
What is a Heart-Focused Plan?
Cases of heart related diseases have become one of the leading causes of hospitalisation in India. Heart operations and the after-care procedures may amount in lakhs of rupees. The regular health insurance plans either exclude or introduce long waits when it comes to pre-existing conditions in the heart.
That is why such a heart-related program as Care Heart matters a lot.
Six Major Reasons to Select:
- Makes coverage for treatment despite heart surgery in the past
- Short waiting time on pre-existing heart diseases
- Benefits created specifically to suit heart patients
- Assists in lowering the medical costs of surgery and recuperation of the heart
- Periodic cardiac check-ups to check the health of the heart annually
What does Care Heart Plan include in 2025?
The Care Heart plan has a number of benefits inbuilt. It provides extensive varieties of hospital services and physician assistance that is customized to heart care.
Main Inclusions:
- Hospitalisation Cover: Cost incurred in the hospital of treatment of heart sickness.
- Pre and Post -Hospitalisation: This covers medical tests and consultation before and after hospitalisation 30 days and 60 days respectively.
- Daycare Treatments: Payments of highly advanced procedures which need no overnight stay.
- Cardiac Health Check-Up: Gratis cardiac related check-ups every year.
- Ambulance Charges: Coverage of transportation in medical emergency.
- AYUSH Treatment: This covers Ayurveda, Yoga, Unani, Siddha and Homeopathy treatments.
- Domiciliary Treatment: A treatment at home in case the hospitalisation is not an option.
- No Claim Bonus: The sum insured goes up with each year that claims are not raised.
- Automatic Recharge: Pays back sum insured in case it is fully depleted in a year.
Key Features of Care Heart Plan (2025)
| Feature | Description |
|---|---|
| Sum Insured Options | ₹3 Lakh to ₹10 Lakh |
| Eligibility | People who had heart surgery within last 7 years |
| Pre and Post Hospitalisation | 30 days before and 60 days after |
| Annual Check-Up | Free yearly heart health check-up |
| No Claim Bonus | 10% increase in sum insured each year (up to 50%) |
| Cashless Treatment | Available in 11,000+ hospitals across India |
| Daycare & OPD | Covered for listed procedures |
| AYUSH Cover | Full sum insured for approved alternative treatments |
| Recharge Benefit | Automatic refill of sum insured once per policy year |
| Entry Age | 18 to 65 years |
| Policy Tenure | 1, 2, or 3 years |
How Does It Work? Step-by-Step Process
Step 1. Select Your Sum Insured
You can choose between 3L, 5L, 7L or 10L depending on the state of your health and your budget.
Step 2. Fill Proposal Form
Inform whether or not you had undergone heart surgery in the past 7 years. Disclose the history of any previous heart problems.
Step 3: Medical screening
The medical reports can be necessary in terms of age or type of surgery.
Step 4: Premium
Choose single, or instalment payments. There is a discount on 2 or 3 years policy.
Step 5: Approval of policy
Obtain confirmation in 2 to 5 days after underwriting.
Step 6: Put Your Plan to Use
Make a cashless treatment appointment with the Care app or helpline. Apply to get reimbursed in case of emergency after treatment.
Types of Cardiac Conditions Covered
The plan is specially designed to people recovering of:
- Surgery skipping
- Angioplasty
- Heart valve repairing or replacement
- Insertion of pacemakers
- Recovery of cardiac arrest
- Problems with arrhythmia and rhythms
- Birth defects in the heart
- Cardiomyopathy
- Rehabilitation of heart failure
What is Not Covered ( Exclusions and Waiting Period )
Such conditions are also excluded in the Care Heart Plan or have waiting periods just like in any insurance.
Waiting Periods:
- Initial Waiting: 30 days of the policy commencement (not in the case of accidents)
- Pre-existing Condition/ Illness: Heart conditions treated within the past 7 years are acceptable, with underwriting approval
- Other Conditions: 24 to 48 months waiting time on other diseases besides heart related illnesses
Exclusions:
- Cosmetic/ aesthetic procedures
- Dental, vision or hearing aids not forming part of hospitalisation
- Conditions that are alcohol or drugs related
- Non-prescriptive treatment
- Unproven or experimental treatment
- Injury inflicted by the victim him/ herself
- Pregnancy and child birth ( not in this plan)
- War or nuclear threat or crime
Who Can Buy Care Heart Plan?
The plan is tailored towards patients with heart complications or individuals who have undergone heart surgery.
Eligible Groups:
- Adult ages 18 to 65 years
- Those patients who underwent cardiac surgery within a period of the last 7 years
- Individuals who have cardiac problems
- Family members or spouses of heart patients
- Individuals with inherited heart illnesses
- The policy is issued in case of individual or floater (2 adults only)
Premium Chart (Indicative 2025 Rates)
Below is an approximate yearly premium (without GST) for different age groups and sum insured values.
| Age Group | ₹3 Lakh | ₹5 Lakh | ₹7 Lakh | ₹10 Lakh |
|---|---|---|---|---|
| 25–35 | ₹4,200 | ₹6,200 | ₹7,800 | ₹9,500 |
| 36–45 | ₹5,100 | ₹7,400 | ₹9,100 | ₹11,200 |
| 46–55 | ₹6,800 | ₹9,500 | ₹11,800 | ₹14,200 |
| 56–65 | ₹8,700 | ₹12,300 | ₹15,000 | ₹18,500 |
Note: Actual premium may vary based on medical history and city of residence.
How is it Different from Regular Health Insurance?
| Feature | Care Heart Plan | Regular Health Insurance |
|---|---|---|
| Heart Surgery History | Accepted (up to 7 years old) | Usually excluded |
| Pre-existing Cardiac Cover | Yes | Limited or after 2–4 years |
| Recharge Benefit | Yes (Automatic) | May not be included |
| Cardiac Check-Up | Free annual check-up | Not offered |
| Specialised Cardiac Claims Team | Yes | No |
| No Claim Bonus | Up to 50% | Up to 20–25% |
| Entry Age | 18–65 | 18–70 |
Real Case Example
Name: Mr. Rajan Kapoor, 58, Pune
Type of Policy: Care Heart Individual - 5 Lakh
History: 4 years ago he underwent a bypass surgery
Complication: Chest pain and needed stenting
Claim: Hospitalisation without cash of 3.8 lakh
Benefits Used:
- Insurances up to 5 lakh
- Automatic recharge put into effect to be used in the future
- Post-treatment annual check-up of the heart done
Renewal: Selected 2-year plan at reduced premium
Tax Benefits
Through Care Heart policy, tax savings can be availed under Section 80D:
- Deduction of up to 25000 to policyholders of 25,000 on policyholder and spouse (below age 60)
- ₹50,000 exemption to the elderly
- Additional deduction in case you are also paying premium to dependent parents
How to Apply for the Plan?
- Visit fincover.com.
- Type in the search area Care Heart Health Insurance Plan.
- Choose sum assured and duration of policy.
- Enter the personal and health history.
- Post KYC and medical records.
- Make payment via UPI, debit card or bank transfer.
- 24-72 hours policy.
Frequently Asked Questions - About Care Heart Plan
1. Is it possible to purchase it in case I had heart surgery 6 years ago?
Yes, these are the plans of the people who had surgery within last 7 years.
2. Does this plan have a cashless facility?
Yes, Care Health Insurance is accepted in more than 11000 hospitals in India.
3. Is it OPD and daycare?
It includes daycare. The basic plan does not include OPD.
4. What happens when my sum insured gets exhausted?
The automatic recharge is the one which replenishes your sum insured at the end of each year.
5. Is it possible to renew the plan on a lifetime basis?
Yes, the policy can be renewed on life basis.
Summary
In 2025, the Care Heart Plan is an essential item that people with a past of cardiac disease will need. It provides a sense of tranquility to you and your family because of its special care towards heart, low waiting period and regular check-ups.
The plan will prevent financial jolt in case of emergency caused by heart problems and will aid a quicker recovery. This policy suits you, whether you have a particular job or are retired, or a care-giver to a person with heart problems.