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Care Insurance Care Heart

Introduction to Care Insurance Care Heart

Care Insurance Care Heart is a health insurance policy offered by Care Health Insurance Company. A health insurance plan promises to pay for hospitalization-related expenses. It acts as a protective shield for savings and healthcare, so you and your family can live a happy, fulfilling life. Care Insurance’s Care Heart Plan is exclusively designed to cover people with pre-existing cardiac conditions. Its main aim is to alleviate the financial strain of costly cardiac and other surgeries/procedures by providing extensive coverage.

Verdict: Care Insurance Care Heart

This plan is quite easy on the pocket. This plan is designed to cater specifically to individuals with pre-existing cardiac conditions. It aims to reduce the financial burden of expensive heart-related and other treatments. However, the plan does not offer comprehensive coverage and there are sub-limits on common treatments such as cataract and joint replacement. It also doesn't provide the monthly premium payment option, and every time you make a claim, you will be responsible for bearing a certain percentage of the approved claim amount. Additionally, our research suggests that the insurer has received a higher number of claim settlement complaints as well as policy purchase complaints. Meaning, the insurer has a poor track record in terms of both purchase and claims service experience. 

Pros & Cons: Care Insurance Care Heart

  • arrow Cheaper than other products in the market
  • arrow Tailored coverage for cardiac-related conditions
  • arrow Annual cardiac health check-up available on cashless basis
  • arrow Covers outpatient department costs, such as medications, tests, consultations, etc.
  • arrow Covers non-medical expenses or the cost of consumables such as gloves, oxygen masks, nebulization kits, etc.
  • arrow Limitations on the type of hospital room you choose
  • arrow Monthly premium payment mode not available
  • arrow Sub-limits on common treatments like cataract, etc.
  • arrow Mandatory co-pay applicable - you'll have to bear a % of approved claim amount each time you make a claim
  • arrow Received higher number of complaints during policy purchase compared to other insurers
  • arrow Received higher number of complaints on claim settlement compared to other insurers
  • arrow Our study observed their responses on Twitter to be relatively slower than other insurers

Specific Exclusions: Care Insurance Care Heart

01 Venereal and sexually transmitted diseases, other than HIV
02 Treatment for sleep apnea and endocrine disorders
03 Expenses related to screening, counseling or treatment of external birth defects
04 Circumcision unless necessary for treating a disease or injury
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About Care Health Insurance Company Limited

Care Health Insurance Company Limited logo

Care Health Insurance (formerly known as Religare Health Insurance Company Limited) is a specialized health insurance company in India. The company provides Health Insurance, Top-up Coverage, Personal Accident, Maternity, International Travel Insurance, and Critical Illness products in the retail segment, as well as Group Health Insurance and Group Personal Accident Insurance for Corporates, etc. It was founded in 2012 and is headquartered in Gurugram, Haryana. Mr. Anuj Gulati is the company's CEO and MD.

Founded in
JV Partners
Turnover (GWP)
1404.65 Crores
Number of Policies
Number of Claims

Detailed Product Specs: Care Insurance Care Heart

Claims Experience advisor
Customer Service advisor
Product Benefits (10L Sum Insured) advisor
Limits and Exclusions advisor
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
% of Complaints received on overall claims
% customers unhappy with claims experience
Claims Incurred Ratio
Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?
No. of Cashless Hospitals

  1. The health insurance data was last updated in June 2023. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (Q1, FY 2023-2024), IRDAI annual report (2021-22), insurer websites, and the IRDAI website. 
  2. For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the product pages with new plans in the coming days.
  3. We have rated only those plans that can be serviced by individual advisors. This is because of our strong belief that health insurance customers need professional assistance from individual advisors before and after purchase. We do not recommend and hence do not rate direct-to-customer health insurance plans or plans where there aren't enough advisors available to service. 
  4. Affordability assessment of plans: 
    • The affordability of comprehensive plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1 opting for a cover of ₹10 Lakhs. And, the premiums are as of 31st June 2023.
    • The affordability of Care Freedom Plan is assessed using premiums for a 30-year-old male residing in Zone 1 opting for a cover of ₹5 Lakhs. And, the premiums are as of 31st June 2023.
  5. The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of health insurance plans. 
  6. Only those hidden and special conditions that apply to the benefits and features we have considered are included in the product pages. 
  7. The product pages only include the most significant specific exclusions under each plan.
  8. The product pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).
  9. If the policy wording, brochure, or prospectus state that a benefit/feature is available with a specific plan but it is not available online when generating the premium quote, we have not considered that benefit/feature to be available with the plan.
  10. The response time on Twitter (Beta) was calculated using a sample set of tweets from April, May, and June 2022 (analyzed in August, September, and October 2022). 
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