Care Super Mediclaim Heart health insurance

Care Super Mediclaim Heart insurance plan - review

• 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.