Overview

What is the Cardiomyopathy Indemnity Cover?

Cardiomyopathy is a heart ailment that affects at least 2.5 million people worldwide. With sedentary lifestyles and poor diets, its prevalence is increasing. Like most forms of heart disease, treatment for cardiomyopathy can be expensive. This is why Bajaj MARKETS presents the Cardiomyopathy Indemnity plan by Care Health Insurance Ltd. that is tailored to cover expenses incurred during and post hospitalisation for cardiomyopathy treatment including ambulance expenses.

Policy Plan and Details

Let’s take a look at the key details of the Cardiomyopathy Indemnity plan.

Sum Insured

Premium (incl. taxes)

Policy Duration

Up to ₹1 Lakh

₹271

1 Year

Up to ₹2 Lakhs

₹531

Up to ₹3 Lakhs

₹684

Key Features and Benefits of Cardiomyopathy Indemnity Plan

  • Covers Hospitalisation Expenses

    Hospitalisation expenses up to ₹3 Lakhs and pre and post-hospitalisation expenses up to 30 and 60 days respectively are covered under the Cardiomyopathy Indemnity Plan.

  • Covers Medication and Ambulance Expenses

    This health insurance for heart patients covers expenses incurred for the medicines during hospitalisation along with ambulance expenses of up to ₹2,000.

What is Covered?

  • Hospitalisation Expenses

    Expenses incurred on cardiomyopathy treatment up to ₹3 Lakhs are covered under the Cardiomyopathy cover. This includes pre-hospitalisation expenses up to 30 days before admission and post-hospitalisation expenses for up to 60 days after discharge.

  • Treatment Charges

    This health insurance for heart patients also takes care of the treatment charges such as ICU fees, transfusion, etc.

  • Diagnostic Tests

    The cost of diagnostic tests required to confirm cardiomyopathy is covered within the pre-hospitalisation and hospitalisation period.

  • Doctor’s Fees

    The doctor's consultation charges are also covered under the Cardiomyopathy cover.

  • Medication

    Expenses incurred on medication are covered under the Cardiomyopathy Indemnity plan up to the maximum sum insured.

  • Ambulance Expenses

    The cost of an ambulance to and from the hospital is covered under the Cardiomyopathy Indemnity cover.

What is Not Covered?

  • Hospitalisation Within the First 90 Days

    Hospitalisation within the first 90 days of the Cardiomyopathy Indemnity plan’s start date, even on a confirmed cardiomyopathy diagnosis, will not be covered.

  • Hospitalisation on Any Other Account

    Hospitalisation due to any other condition apart from cardiomyopathy is not covered.

  • Cardiomyopathy Due to Alcohol or Drugs

    Cardiomyopathy arising due to sustained alcohol or drug abuse is also not covered.

  • Pre-existing Condition

    Any pre-existing diseases are not covered under this plan.

How to Apply for Cardiomyopathy Indemnity Plan?

The application process for the Cardiomyopathy cover is quite simple. Here is all you need to do:

  • Click on Buy Now

    Head to the Cardiomyopathy Indemnity product page on the Bajaj MARKETS website and click on ‘Buy Now’.

  • Enter Your Details

    Fill out the online application form with the required details.

  • Pay the Premium

    Once you submit the form, you need to pay the Cardiomyopathy Indemnity policy premium using any preferred online mode of payment.

How to File a Claim? 

Claims related to the Cardiomyopathy Indemnity plan can be made through any of the following two modes:

In each case, kindly provide the relevant documents including your policy number to claim this health insurance for heart patients.

Customer Care Details 

To connect with Bajaj MARKETS for any queries related to the Cardiomyopathy Indemnity plan, you can send an e-mail to insuranceconnect@bajajfinservmarkets.in

Manage all your queries here

  • ✔️What documents are required for making a claim?


    The duly signed claim form, doctor's diagnosis confirming cardiomyopathy, and copies of receipts are required for making a claim under this health insurance for heart patients.

     

  • ✔️How will the claim be settled?


    Payment for the cardiomyopathy insurance claim may be settled by transferring the amount to your bank account.

     

  • ✔️What is the duration of the policy?


    The duration of the Cardiomyopathy Indemnity plan is 1 year.    

     

  • ✔️What is the amount of cover provided under the plan?


    The amount of cover under the Cardiomyopathy Indemnity plan varies with the premium as mentioned in the table below:

    Sum Insured

    Premium (inclusive of taxes)

    Up to ₹1 Lakh

    ₹271

    Up to ₹2 Lakhs

    ₹531

    Up to ₹3 Lakhs

    ₹684

     

  • ✔️Does this plan cover any pre-existing illnesses?


    No, the Cardiomyopathy insurance plan does not cover any pre-existing illnesses.