Care Super Mediclaim Heart Insurance Plan, Care heart critical illness insurance

Care Super Mediclaim Heart insurance plan - review

Key features
Eligibility
Coverages

Key features of Super Mediclaim Heart insurance plan

Some of the key features of this plan include:

Five Sum insured options from ₹10 lacs to ₹2 crores
Covers the following defined Heart Related Critical Illnesses
- Pulmonary Thromboembolism, Primary(Idiopathic) Pulmonary, Infective Endocarditis, Heart Valve Replacement/repair, Surgery of Aorta, Cardiomyopathy, Surgery for cardiac arrhythmia, Angioplasty, Balloon Valvotomy/Valvuloplasty, Carotid Artery Surgery, Coronary Artery Bypass Graft, Pericardectomy, Surgery to Place Ventricular Assist Devices or Total Artificial Hearts, Myocardial Infarction, Implantation of Pacemaker of Heart, Implantable Cardioverter Defibrillator
30/60 Pre and post hospitalization medical expenses covered
No Claims Bonus (NCB) offered for claim free renewals
Lifelong Renewability – no exist age for renewing the policy even if claims have been filed
Option of Equated Monthly/Quarterly Instalments
Room Rent Modification option available to the insured
International Second Opinion available while availing treatment for cancer
Outpatient Treatment Expenses covered under this plan for Diagnostics, Pharmacy & Consultations
Air Ambulance Cover during medical emergencies
Quick Recovery Counselling
Health Portal *** – insured members have access to an informative health portal providing relevant information at all times.

*** Salient Features of the Health Portal

Search the best deal in location of the insured
Discount on all Healthcare and wellness services like Doctor Consultations, Diagnostics, Pharmacy, Dental Consultation and treatment
Comprehensive details on Doctors like qualification & appointment details.
Access to Right Healthcare Service, at right time and place.
Symptom tracker
Ailment to specialty tracker
Automated discount coupon download
24x7 on call support

Care Super Mediclaim Heart insurance plan – eligibility

Sum Insured	10 Lakh \| 25 Lakh \| 50 Lakh \| 1 Crore \| 2 Crore
Covered Conditions (Illnesses/Diseases/Surgeries)	Heart related Critical illnesses
Entry Age	5 years to 50 Years on Individual Basis
Pre - policy Issuance Medical Check up	No Medicals##
Tenure	1/2/3 Years
Premium Payment Mode ***	Single/Monthly
Sub Limits:
Room Rent Eligibility	Single Private Room / No limit ^
ICU Charges	No limit
Wait Period:
Initial Waiting Period	90 Days
Pre - existing Disease	48 months
*** Terms and Conditions Applicable ##at the discretion of the Underwriter. ^with optional benefit Room Rent Modification. Note: Other SI / Age band options also available.

Coverages under Super Mediclaim Heart insurance plan

Sum Insured (all figs in ₹ INR)	10 Lakh \| 25 Lakh \| 50 Lakh \| 1 Crore \| 2 Crore
Plan Name	Heart Mediclaim
Sum Insured (all figs in ₹ INR)	10 Lakh \| 25 Lakh \| 50 Lakh \| 1 Crore \| 2 Crore
Benefits
In-Patient Care	Up to SI
Day Care Treatment	Listed as per the Plan, Up to Sum Insured
Pre-Hospitalization and Post-Hospitalization	Pre-Hospitalization for 30 days & Post-Hospitalization for 60 days; Maximum up to SI
Ambulance Cover	Up to ₹3000 per hospitalization
Organ Donor Cover	Up to SI or 15 L whichever is lower
Second Opinion	Once per Covered Condition per policy year
No Claim Bonus*	50% / 25% / 25% - Corresponding increase in SI for 1st, 2nd and 3rd continuous claim-free Policy Years respectively, Max up to 100% of SI(50%/25/25%-Corresponding decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCB)
International Second Opinion#	Once per Covered Condition per policy year
Room Rent Eligibility	Single Private Room / No limit^
Air Ambulance#	Up to Rs. 5 Lakhs
Health Services
Quick Recovery Counselling	Up to Rs 1000 Per Session, Maximum 8 Sessions Post Hospitalization in a Policy year( can be availed twice in a month)
Doctor on Call	Yes(Telephonic/Online Mode)
Health Portal	Value added services through Company’s Website
Global Coverage: Coverage outside India - 45 continuous days in a single trip; Max. 90 days on a cumulative basis, in a Policy Year.	Up to SI; only for SI >=1Cr (Limited to In-Patient Care and Day-Care treatment with a Co-payment of 10% per Claim)
OPD Expenses (Diagnostics + Consultations + Pharmacy )	Up to 1% of SI ,Max up to Rs 25,000
Benefits
Hospitalization Expenses
In-Patient Care	Up to SI
Day Care Treatment	Up to SI
Pre-Hospitalization and Post-Hospitalization	30 days/60 days
Chemotherapy and Radiotherapy Cover	Up to SI
Ambulance Cover	Up to Rs 3000 per hospitalization
Organ Donor Cover	Up to SI or 15 L whichever is lower
Second Opinion	Once per Covered Condition per policy year
No Claim Bonus*	50% / 25% / 25% - Corresponding increase in SI for 1st, 2nd and 3rd continuous claim-free Policy Years respectively,Max up to 100% of SI(50%/25/25%-Corresponding decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCB)
International Second Opinion#	Once per Covered Condition per policy year
Room Rent Eligibility	Single Private Room / No limit^
Air Ambulance#	Up to Rs. 5 Lakhs
Annual Health Check-up	Annual from 2nd Policy Year on Continuous Coverage
Health Services
Quick Recovery Counselling	Up to Rs 1000 Per Session, Maximum 8 Sessions Post Hospitalization in a Policy year( can be availed twice in a month)
Doctor on Call	Yes(Telephonic/Online Mode)
Health Portal	Value added services through Company’s Website
Global Coverage: Coverage outside India - 45 continuous days in a single trip; Max. 90 days on a cumulative basis, in a Policy Year.	Up to SI; only for SI >=1Cr (Limited to In-Patient Care and Day-Care treatment with a Co-payment of 10% per Claim)
OPD Expenses (Diagnostics + Consultations + Pharmacy )	Up to 1% of SI ,Max up to Rs 25,000
#Optional Benefit. ^with optional benefit Room Rent Modification.