| Key Features & Benefits of Cardiac Care Policy |
| About the policy |
Persons who have been diagnosed with a Cardiac ailment/ disorder in the past and undergone a Cardiac Surgical intervention or procedure for the same.
Note - Person with pacemaker can also apply for this policy. |
| Type of Cover |
Individual Sum Insured |
| Entry Age |
7 Years To 70 Years |
| Co-payment |
Not Applicable |
| Renewal |
Life Long |
| Policy Term |
1 Year/2 Years/3 Years |
| Premium Payment |
Monthly / Quarterly / Half-Yearly / Yearly / Biennial (once in 2 yrs) / Triennial (once in 3 yrs) |
| Pre Policy Medical Checkup |
Not Required |
| Medical Records for U/W |
ECHO, ECG (taken within 6 months), Consultation and all medical records related to the intervention/ surgery/ medical management should be submitted at the time of proposal |
| Sum Insured Options (Rs. in Lac) |
5 / 7.5 / 10 / 15 |
| Hospitalization - Room Rent |
Single Private AC Room (Actuals) |
| ICU, Dr Fees, Tests, Medicines |
Covered (Actuals) |
| Road Ambulance Charges |
Covered (Actuals) |
| Pre & Post Hospitalization |
30 days & 60 days (Actuals) |
| Day Care Procedures |
All day care procedures are covered (Actuals) (Note: Sub-limits applicable only for Cataract treatment) |
| Heart Transplantation expenses |
Covered up to 200% of the Sum Insured(Expenses including harvesting and transportation of Heart by Air and/or Road are covered) |
| Psychiatric & Psychosomatic |
Covered (Actuals) |
| Cardiac Devices (like Pacemaker) |
Covered up to 50% of the Sum Insured |
| Modern Treatments |
Covered up to the Sub-limits mentioned in the policy clause |
| Rehabilitation & Pain Management |
Covered up to the Sub-limits (or) up to 10% of the Sum Insured whichever is less |
| E-Medical Opinion |
Available |
| Wellness Rewards Program |
Insured can avail renewal discount, if submitted the following reports.
- ECHO (Echocardiogram) (ii) Lipid Profile (iii) HbA1c (Hemoglobin A1c) and, (i) if all the 3 tests results are normal 10% discount will be available on renewal premium
(ii) if any 2 tests results are normal 5% discount will be available on renewal premium |
| Wellness Services |
Diet consultation, Counselling (for stress management), Unlimited-Tele Consultation, E-pharmacy |
| No Claim Bonus |
10% of the sum insured for each claim free year and maximum up to 100% of the sum insured |
| Automatic Restoration (Up to 100%) |
Available once in a policy year (does not cover same illness/cardiac ailments/ modern treatments) |
