Heart valve replacement or repair cover allows for heart valves to be repaired or replaced and is ordinarily made possible with open-heart surgery. This surgery, however, can be extremely expensive. In order to protect yourself against expenses arising from the same, consider availing of the Group Care 360 - Heart Valve Replacement / Repair Cover plan provided by Care Health Insurance Ltd., which is now available for you, onBajaj Markets. With this plan, insured individuals are entitled to coverage amounting to up to INR 3 Lakhs.
Coverage |
Premium (including GST)
|
Up to Rs. 1 lakh |
Rs. 271 |
Up to Rs. 2 Lakhs |
Rs. 531 |
Up to Rs. 3 Lakhs |
Rs. 684 |
Features and Benefits
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Premium Charged
Policyholders may avail of this plan in one of three formats based on the premium chosen to be paid which is INR 271, INR 531, or INR 684, and which provides policyholders with a sum assured of INR 1Lakh, INR 2 Lakhs, and INR 3 Lakhs respectively.
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Hospitalization Cover
In-patient hospitalization costs along with those arising prior to (30 days) and post-hospitalization (60 days) pertaining to heart valve replacement or repair are provided with coverage. This coverage is available so long as the insured individual provides a clinical confirmation indicating the requirement of this procedure and which has been signed by an appropriate specialized doctor.
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Treatment Cover
This policy provides insured individuals with coverage for the treatment. This includes hospital room rent, medicines, and tests in addition to ICU, transfusion, and doctors’ fees.
In order to have an understanding of all exclusions, please peruse the policy wordings.
How To Apply?
Those interested in the Group Care 360 - Heart Valve Replacement / Repair Cover can simply apply for this plan by following the steps mentioned below:
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Visit Bajaj Markets
Visit our website and go to the Pocket Insurance and VAS page
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Select Product
Choose Heart Valve Replacement / Repair Cover from the wide array of products
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Fill Details
Fill in your details in the online form
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Make your payment
Make an instant payment and get your plan.
Claim Process
In order to apply for a claim, you are encouraged to connect with the team put together to help serve you best. They are available via the following methods.
Email – claims@careinsurance.com
Insurer’s Toll-free number provides insured individuals with immediate action - 1800-102-4488.
Documents Required for a Claim
In order to file a claim, policyholders are requested to provide the following details such that it can be processed with ease and efficiency.
Duly completed and signed Claim form, in original
Identity proof with photo, proof of age, and address
Medical Practitioner’s referral letter advising Hospitalization
Medical Practitioner’s prescription advising drugs / diagnostic tests / consultation
Original bills, receipts, and discharge card from the Hospital / Medical Practitioner
Original bills from pharmacy/chemists
Original pathological/diagnostic test reports and payment receipts
Indoor case papers (if applicable)
Accident proof - First Information Report/ final police report, if applicable
Disability Certificate from Government Medical Board, Fitness Certificate, Medical Prescription
Postmortem report, if conducted
Any other information /document as required by the Company or Assistance Service Provider to assess the Claim, in case fraud is suspected
FAQs
Are expenses pertaining to medication covered?
Yes, this plan provides insured individuals with coverage aimed at providing funds for medications linked to hospitalization.
Are diagnostic tests covered under this plan?
Yes, diagnostic tests conducted prior to or during the period of being hospitalized are covered under this plan. This is conditional on the fact that the same be conducted within the specified pre-hospitalization time frame.
How long is this policy valid for?
The time frame this policy is valid for is a single year.
Is there a waiting period in place should I choose to avail of this plan?
Yes, there is a 90-day initial waiting period in place under this plan.
Are treatment expenses arising from heart valve replacement or repair covered?
Yes, this policy provides insured individuals with coverage for the treatment of heart valve replacement or repair. This includes hospital room rent, medicines, and tests in addition to ICU, transfusion, and doctors’ fees.
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