Care Heart: what the policy wording covers
Care Heart (UIN CHIHLIP26053V032526) has a co-payment on every claim, set in your schedule, which goes up by 10% after the eldest insured turns 71. Pre-existing diseases and listed illnesses both wait 24 months. Your room is a single private room or 1% of the sum insured a day, and named illnesses have their own caps. It pays 30 days before and 60 days after a hospital stay.
Key limits
| Item | What the wording says |
|---|
| Co-payment | As in your schedule, on hospital, pre and post, AYUSH and ambulance claims. Plus 10% after the eldest insured turns 71, unless you joined at 70 or below and paid to waive it. |
|---|
| Hospital room | Single private room, or up to 1% of the sum insured a day, as your schedule says. |
|---|
| ICU | Up to 2% of the sum insured a day, or no limit, as your schedule says. |
|---|
| Named illnesses | Cataract, knee replacement, hernia, hysterectomy, prostate, kidney stones, stroke, cancer, kidney complications and fractures have caps in the schedule. |
|---|
| Before and after a hospital stay | 30 days and 60 days. |
|---|
Bonus, recharge and check-ups
- No claims bonus: 10% of the sum insured for each claim-free year, up to 50%. It drops by 10% after a year with a claim, but never below your base cover.
- Automatic Recharge: refills the sum insured once a year after it runs out, but only for a different illness from the one that used it up.
- A cardiac health check-up is part of the plan.
- Treatment at home is covered if it runs more than 3 days, except for 12 listed conditions like diabetes and high blood pressure.
Waiting periods
| Waiting period | What the wording says |
|---|
| Any illness after you first buy | 30 days. Accidents are covered from day 1. |
|---|
| Pre-existing diseases | 24 months. |
|---|
| Listed illnesses and surgeries | 24 months. If a condition is also pre-existing, the longer wait applies. |
|---|
Not covered
- Maternity, with no add-on.
- Your organ donor's costs.
- Advanced treatments other than the 12 listed methods.
- Treatment outside India.
Frequently asked questions
Does Care Heart have a co-payment?
Yes. Every claim has the co-payment in your schedule, and it rises by 10% after the eldest insured turns 71.
What is the waiting period for pre-existing diseases in Care Heart?
24 months of continuous cover.
Does Care Heart cover organ transplant donors?
No. The wording excludes the donor's treatment and surgery costs.
How does the recharge work in Care Heart?
Once a year, after your sum insured and bonus are used up, it refills up to the base sum insured, but only for an illness different from the one that used it up.
Compare these plans clause by clause
Where this comes from
- Care Heart policy terms and conditions (effective 3 September 2025), UIN CHIHLIP26053V032526. Clauses 3.1.1 to 3.1.8, Excl01, Excl02, Excl18, 4.2(a)(12).
Checked against the wording on 2026-10-09.
Terms on this page, explained
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