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Last updated on: September 19, 2025
The Care Heart Plan and Digit Infinity Wallet Plan are both popular health insurance options in India, but they cater to different needs. The Care Heart Plan is specifically designed for individuals with pre-existing heart conditions, offering coverage for cardiac treatments, hospitalization, and related medical expenses, often with tailored waiting periods and disease management benefits. In contrast, the Digit Infinity Wallet Plan is a comprehensive health insurance policy that stands out for its ‘Infinity Wallet’ feature, which provides unlimited restoration of the sum insured for unrelated and related illnesses within the policy year, ensuring extended coverage. While Care Heart is ideal for those seeking focused cardiac care with specialized benefits, Digit Infinity Wallet is better suited for individuals or families looking for broader, limitless coverage across various medical conditions. Choosing between them depends on personal health priorities and the desired breadth of coverage.
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The presence of the appropriate health insurance has never been more important in India. As medical expenses grow and lifestyles evolve, comparison of such leading policies as Care Heart Plan and Digit Infinity Wallet Plan according to their personal needs is being done in 2025. The two plans are common in the sense that they provide decent benefits yet their target and target customers are slightly different.
This paper describes their new features, reporting, strengths, weaknesses and distinctions so that you can make a wise decision. We also dwell on useful issues which are of most interest to Indian policy purchasers of this year.
Care Heart Plan is a targeted form of health insurance coverage, whose main target is people with prevailing heart issues, or those who are highly at cardiac risk. This plan, which is designed by Care Health Insurance, fills what is left by the normal health insurance policies in case of cardiac related cases.
People who have gone through a heart operation, including angioplasty or bypass surgery or those worried about their family heart health would favor the plan. The Care Heart Plan will cover more than 180 day care procedures, payment of all hospitalisation costs in regard to particular heart ailments leaving it as a preferred plan in India in managing the cardiovascular disease burdens.
Digit Infinity Wallet Plan is a complete health insurance cover that is aimed at covering all types of medical procedures. It is not disease specific and it encompasses a large spectrum of treatment procedures, including ordinary hospitalisation to the complex. The feature to be highlighted in 2025 is that it offers the unique Infinity Wallet feature which guarantees to replenish the amount insured on claims even after the limit has been reached giving it a truly unlimited cover.
Targeting customers of all ages and family structure, Digit Infinity Wallet Plan also provides accidental, lifestyle and critical illnesses, which is why young people and families that want to have a lifelong security should probably find it advantageous.
Did you know? The benefit of infinity wallet is not common in India as of 2025 and therefore, Digit Infinity Wallet Plan is one of the few plans that assure unlimited restoration of the sum of a certain amount of money that one insured in the given policy.
Pros
Cons
People also ask:
Does Care Heart Plan accept individuals of any age?
Yes, it is provided by most insurers between 18 years to 65 years, however, always find out cut-off age and eligibility before making application.
Pros
Cons
Did you know? Most health policies have a limit on infinity restoration once several claims have been made, although Digit has reload without any limitations throughout the policy year.
| Characteristic | Care Heart Plan | Digit Infinity Wallet Plan |
|---|---|---|
| Primary Use | Heart-specific insurance coverage | All ailments and procedures. |
| Sum Insured Options (2025) | 3 lakh-10 lakh | 5 lakh- unlimited. |
| Restoration Benefit | Yes (capped) only to heart claims | Yes, unlimited, due to any disease. |
| Pre Hospitalisation | 30 days | 60 days |
| Post Hospitalisation | 60 days | 180 days |
| Family Floater Option | Yes | Yes. |
| Daycare Procedures | All types | Only heart-related. |
| Ambulance Cover | Up to 2,000 per hospitalisation | Up to some variants actuals. |
| Critical Illness Addon | No | Can be added as an addition. |
| Maternity Cover | No | Addon available. |
| 35 years age premium (Family floater, 5 lakh SI, 2025 avg.) | 11,000 INR approx. | 15,500 INR approx. |
People also ask:
Is it possible to have both plans in place?
It is true that customers who have heart risks tend to use Care Heart Plan to supplement a general plan such as Digit Infinity to get full coverage.
To the people who have already been diagnosed with heart related illnesses, Care Heart Plan provides straightforward focused coverage without excessive premiums and sophisticated exclusion coverage. It takes the accepted cardiac risk as the benchmark and generally handles claims that are faster in matters touching on the heart.
Although it covers all diseases, Digit Infinity Wallet Plan might impose the usual exclusions or waiting periods of pre-existing heart diseases which are not always as flexible. Nevertheless, its limitless recuperation is useful in case the policy holder requires a variety of treatments during the same year, such as cardiac.
According to expert insight Insurance advisors, in case of the individual who has a history of cardiac and requires a comprehensive health cover, the best thing that can be done is to take a general health policy with a separate cardiac plan to have the best coverage.
Digit Infinity Wallet Plan is suitable to families that desire all-round health security without the focus on diseases. The benefits that it has such as unlimited coverage of all the family members, extensive network of hospitals and flexibility in renting rooms give it stress free access to care amid both frequent and rare medical events.
Care Heart Plan is inappropriate in case of healthy families since it is only intended to cover heart related problems and does not provide significant benefits in maternity and child health and accidental cases.
Questions to ask before making a decision in 2025 are:
Care Heart Plan can suit you in case you have very specific needs or premium is a factor as it might be due to heart related history. Digit Infinity Wallet Plan is much more liberal and worthwhile to bigger all-round health requirements and extended planning.
Example 1:
A 48-year-old male who had undergone an angioplasty paid more premiums in the usual plans because he had a new operation. He has chosen Care Heart Plan because the premium was approximately 25 less and the process of claims was easier when he underwent regular cardiac examinations.
Example 2:
One such family is a young family of four in Bengaluru who opted to take the Digit Infinity Wallet Plan in 2025 because their main concern was the unlimited hospitalisation coverage (which has no boundaries) of modern surgeries. This assisted them in preventing the claim depletion of separate accidents and a sudden appendix operation during the same year.
Did you know? The IRDAI 2025 report indicates that the policies that have increased their sum insured refill became more popular by 48 percent among metro customers as there are high rates of lifestyle-related claims.
Care Heart Plan is the most suitable option to people who have a clear history of the heart as it provides affordable and specialized services related to cardiac illnesses. Digit Infinity Wallet Plan is also appropriate to all individuals who desire complete health insurance with unlimited coverage and restoration of any illness. The plan such as the Digit Infinity Wallet is beneficial to families or individuals who do not have any heart-related problems, whereas Care Heart Plan serves as an aid to those who fear that similar problems may occur once again.
Q. The peculiarity of infinity wallet health plans in India?
Infinity wallet Infinity wallet is a health policy feature in which the sum insured is replenished several times a policy year following every claim and hence provide customers with financial security even after recurring illness.
Q. Are the patients of heart disease able to purchase ordinary health plans?
Yes, but they can be expensive in terms of their premiums and even take longer to wait. They can now access specialized cardiac plans such as Care Heart Plan and access them in a more affordable manner.
Q. Are these health insurance policies subject to any tax benefit?
Yes, policyholders will be entitled to tax deduction provided in Section 80D of the Income Tax Act of premiums paid on both plans.
Q. Questions on how to make a claim in these policies?
The two insurers have cashless and reimbursement types of claims with expansive hospital networks. Digit and Care Health have been committed to providing mobile applications and customer support phone lines in the year 2025 to facilitate easy claims.
Q. What plan is used to cover OPD expenses?
Both base plans are not default covers of OPD. Digit Infinity Wallet Plan enables you to purchase OPD cover as an extension. ODP is normally not covered by Care Heart Plan.
Q. Is it possible to renew these health policies permanently?
Yes, the two plans now allow a lifetime renewal upon the continuous payment of premium after 2025 IRDAI regulation.
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Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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