Ventricular Assist Devices Cover

A ventricular assist device (VAD) — also known as a mechanical circulatory support device, is a mechanical pump that's used to support heart function and blood flow in individuals with heart illnesses. With Group Care 360 –Ventricular Assist Devices (VAD) cover from Care Health Insurance Co. Ltd., one can avail coverage for surgical procedure to place VAD and pre/post-hospitalisation cost arising due to surgery.

Plan Details

Policy duration: 1 year

• What’s Covered?

• 

  Hospitalisation Expenses

  Alzheimer’s Disease Cover offers coverage up to Rs. 3 lakh for expenses on in-patient care, pre-hospitalisation expenses (up to 30 days), and post hospitalisation expenses (up to 60 days).

• 

  Diagnostics test

  The plan covers cost of conducting diagnostics test before (within the specified pre-hospitalization period) or during the hospitalization period.

• 

  Treatment Charges

  Treatment charges include hospital room rent, ICU, transfusion, doctor fees, medicines and tests.

• 

  Doctor’s Fees

  Doctor’s fees before, during and after hospitalization are covered under the plan.

• 

  Medication

  Expenses towards purchase of medicines related to hospitalization.

• 

  Ambulance expenses

  The plan covers ambulance expenses up to an amount of Rs. 2,000.

• Note: The diagnosis must be supported by the clinical confirmation of an appropriate consultant neurologist and supported by the Company’s appointed doctor. The initial waiting period for the plan to come into effect is 90 days.

• Hospitalization resulting other than Surgery to Place Ventricular Assist Devices or Total Artificial Hearts
• Hospitalization within first 90 days from policy start date, as the policy has a waiting period of 90 days.
• Any Pre-existing disease
• Ventricular dysfunction or Heart failure directly related to alcohol or drug abuse

For a full list of exclusions, please refer to the policy wordings.

To apply for Alzheimer’s Disease Cover, you are required to fill in the online application form and pay the premium using any pf the available modes of payment. Here is a step-by-step process to complete your purchase.

• Step 1: Click on ‘Apply Now’ button. Fill in your basic details in the online application form.
• Step 2: Authenticate by entering the OTP received on the mobile number entered by you.
• Step 3: Make the premium payment using credit/debit card, UPI, mobile wallet, or any other available payment mode..

To raise a claim request, you may reach out to the insurer via:

• E-mail –  claims@careinsurance.com
• Toll free number –  1800-102-4488