Care Health Insurance - Heart Valve Replacement/Repair Cover starting at Rs. 271
Product highlights
Note: This policy is available only for existing Bajaj Finance Limited customers. By proceeding, you agree to the terms and conditions
Key features and benefits
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Coverage up to Rs. 3 lakh, premium Rs. 271
Get coverage up to the sum insured for the hospitalisation and medical expenses arising from the heart valve replacement or repair treatment.
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Hospitalisation cover
Covers expenses incurred due to hospitalisation provided the diagnosis is issued by an appropriate specialist consultant.
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Diagnostic, treatment, and medication cover
Covers expenses incurred from the cost of diagnostic tests, doctor’s fees, medication costs, and treatment charges, such as ICU, transfusion, and room rent.
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Ambulance cover
Covers expenses for the use of an ambulance up to Rs. 2000
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Room rent charges
Sub-limits on room rent of up to 1% of the sum insured. Get coverage for ICU charges up to 2% of the sum insured.
Eligibility criteria and documents required
You need to fulfil the following criteria to buy this Heart Valve Replacement/Repair cover. If you meet all the eligibility criteria, we will need a few details to complete your application process.
Eligibility criteria
- Exclusively for Bajaj Finance customers
- Nationality: Indian
- Age: 18 - 60 years
Documents required
No documents are required to buy the policy.
You only need to provide the following details at the time of buying the policy:
- Name
- Address
- Email address
- Mobile number
Step-by-step guide to buy this policy
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Step 1
Click on the ‘Buy Now’ button on this page.
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Step 2
Enter your full name as on your PAN card and mobile number and press the ‘Proceed’ button.
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Step 3
Enter the One Time Password (OTP) received on your registered mobile number for verification.
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Step 4
If your mobile number is present in our records, your details on the form will be pre-filled. All you need to do is to check if the details are correct.
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Step 5
At this point, the payment page will open. Complete the online payment via one of the following options: UPI, net banking, credit/debit cards, and wallet.
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Step 6
After the payment is successful, you can download the policy receipt instantly.
Download the plan document from ‘My Account’ after 5 to 7 working days from the purchase date.
Policy details
Here’s a quick look at the policy details for Heart Valve Replacement/Repair Cover:
- Premium of Rs. 271
- Premium of Rs. 531
- Premium of Rs. 684
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 1 lakh |
| Premium including GST (in Rs.) | 271 |
| Policy tenure | 1 year |
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 2 lakh |
| Premium including GST (in Rs.) | 531 |
| Policy tenure | 1 year |
| Policy details | Description |
|---|---|
| Sum insured (in Rs.) | 3 lakh |
| Premium including GST (in Rs.) | 684 |
| Policy tenure | 1 year |
Key inclusions and exclusions
Here’s a quick look at the inclusions and exclusions under the Heart Valve Replacement/Repair Cover:
- Key inclusions
- Key exclusions
| Key inclusions | Description |
|---|---|
| Pre-hospitalisation expenses | Up to 30 days |
| Hospitalisation | Expenses during hospital treatment |
| Room rent charges | Sub-limits on room rent of up to 1% of the sum insured. Get coverage for ICU charges up to 2% of the sum insured |
| Post-hospitalisation | Up to 60 days |
| Medications | During hospitalisation |
| Doctor’s fees | During hospitalisation |
| Ambulance cost | Up to Rs. 2000 |
| Key exclusions | Description |
|---|---|
| Illness other than specified under policy | Any illness other than those specified under this policy |
| Any pre-existing disease | No coverage for pre-existing medical illness |
| Ailments during waiting period | Illnesses detected before 90 days from the purchase of policy |
Product information
For complete details on product benefits, features, terms and exclusions, please read product sales brochure and policy wordings carefully before concluding a sale.
How to claim
You can contact the insurer (Care Health Insurance) to claim the benefits of the Heart Valve Replacement/repair Cover by email or phone:
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Insurer’s email address
Write to the insurer at claims@careinsurance.com and share your policy document
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Insurer’s toll-free number
You can also call on the toll-free helpline number - 1800-102-4488 and claim the benefits
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Documents required to claim
To claim the benefits of Heart Valve Replacement Repair Cover, you need to present the following documents:
1. The policy document received at the time of purchase
2. Medical certificates and reports received from the doctor
3. Invoice/bills -
Contact Bajaj Finance Ltd.
In case you have any queries related to coverage, exclusions, or product policy, please write to us at wecare@bajajfinserv.in
Frequently asked questions
This is a policy by Care Insurance offered by Bajaj Finance. It provides the necessary financial support for all medical expenses associated with a heart valve replacement and repair treatment.
Suffering any cardiac (heart) disease can be an extremely stressful and money-draining experience. In the case of a heart value replacement, the patients need to undergo a critical surgical procedure to ensure they achieve health blood flow. However, this surgery can be very expensive while also being essential for survival. The Heart Valve Replacement/Repair Cover provides the financial support necessary for patients to seek essential medical treatment for their heart value replacement surgery without compromising their financial interests.
You can contact the insurer by writing to them at claims@careinsurance.com or calling on the toll-free number 1800-102-4488.
The plan provides coverage for all medical expenses incurred for heart value replacement and repair procedure. This includes ambulance charges, hospitalisation, medication, and doctor’s fees. Also, get treatment charges along with various pre- and post-hospitalisation expenses.
The Heart Valve Replacement/repair Cover does not include coverage for any pre-existing conditions. Also, hospitalisation due to reasons other than heart value-related issues, is also an exclusion. Also, there is a 90-day waiting period from the start of the policy. Other potential exclusions are detailed in the policy document.