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Last updated on: May 20, 2025
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The selection of the appropriate health insurance to provide to patients with a heart problem is not a simple task, especially when there is a high number of health insurance options in 2025. The Galaxy Promise Elite Plan is one of the most popular types of heart insurance and the Care Heart Plan is another. The two policies are appealing in their features, advantages, and can be used by people with cardiac ailments.
Health insurance today is of paramount importance in India, and cardiovascular plans have gained more topicality with an increased number of heart cases in the country. As the cost of hospitalisation is growing, a good heart policy should address not only the treatment but also the care, operations and other complications. This paper presents a detailed human analysis of the Care Heart Plan vs Galaxy Promise Elite Plan relying on existing products, customer needs, professional opinions, and review of policy document regarding 2025.
Both the plans are aimed at the customers who already have heart disease or have a family history of heart complications.
Did you know? In India, the insurance claims of people above 40 years were mostly associated with cardiac problems according to the IRDAI data of 2024; the percent of such claims was almost equal to 30.
The two plans are very popular and differ in coverage styles to some degree. Care Heart Plan is specifically designed as a plan that is meant to be used by individuals who already have a heart problem that has been diagnosed. It is supposed to treat and manage cheaply.
The Galaxy Promise Elite Plan is an advanced health plan that is used to cover both heart and non-heart related medical bills.
| Benefit | Care Heart Plan | Galaxy Promise Elite Plan |
|---|---|---|
| Sum insured | Up to Rs 10 lakh | Up to Rs 25 lakh |
| Entry Age | 18 to 70 years | 18 to 65 years |
| Waiting Period | 6 months (PEDs) | 2 Years (PEDs) |
| Heart device coverage | Yes (limited) | Yes (advanced, full) |
| Cashless Hospital | 8000+ | 10500+ |
| Critical Illness Rider | Optional | Included in base |
| Yearly Health Exam | Yes | Yes |
| Restoration Benefit | No | Yes (up to 100 percent) |
| Domiciliary Treatment | No | Yes |
| Premium (40yr, 5L, 2025) | Rs 8500 app. | Rs 16200 app. |
Professional Opinion: Cardiology consultant Dr. Sonali Nair adds that with a patient who had a heart surgery previously, a specific heart plan as is offered by Care Heart is the one that would be more appropriate when hospitalisation is required every day, whereas the Promise Elite offers greater peace of mind but at a relatively higher price in 2025.
Every buyer of an insurance is concerned with the claim process. Both plans will offer quick settlements via the use of modern applications and telephone assistance.
Q: Would it be possible to transfer my heart plan to a standard health plan in the future?
A: Yes, with a specified number of years, underwriting is only partially portable by insurers.
They both offer direct cashless treatment.
Galaxy Promise Elite can be more conveniently accessed in India in the case of travelling.
Did you know? A survey of insurance buyers in 2025 gave network hospital access the first rank, ranking above brand reputation.
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Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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