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Last updated on: September 19, 2025
The “Care Heart Plan” and “Digit Option 3 Super Care Plan” are health insurance policies tailored for individuals with cardiac concerns, but they differ notably in features and benefits. Care Heart Plan, from Care Health Insurance, is specifically designed for people with pre-existing heart conditions, offering coverage for cardiac-related hospitalizations, pre- and post-hospitalization expenses, annual health check-ups, and optional add-ons. Digit Option 3 Super Care Plan, from Digit Insurance, is a comprehensive health plan with a high sum insured, no room rent capping, wide network hospitals, and covers both cardiac and non-cardiac conditions. While Care Heart is ideal for heart patients seeking targeted coverage, Digit’s plan is suitable for families or individuals seeking a broader health cover, including but not limited to cardiac illnesses. Choosing between them depends on your health profile and insurance needs.
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As the population of India becomes more aware of heart diseases, they are opting to have special health insurance plans that present them with maximum protection and tranquility. Care Heart Plan and the Digit Option 3 Super Care Plan are also the most prominent cards in terms of cardiac-specific coverage in the year 2025. When deciding on the most suitable health cover in case of cardiac cases, it may be difficult to make the right choice because the two schemes are of equal benefits although they vary significantly.
This descriptive comparison will make you realize how these two health insurance products compare on essential elements, coverage, exclusions, premiums, and claim procedures etc. We also discuss the practicality, trends in 2025 and professional opinion to enable you to make an informed decision.
Care Heart Plan Care Health Insurance (previously Religare Health Insurance) offers a specialty health insurance plan known as Care Heart Plan targeting individuals with pre-existing cardiac issues or cardiac risk conditions. Since the beginning of 2020s, it has been trendy in India to cover surgeries such as angioplasty, bypass, and various heart-related procedures.
Digit Option 3 Super Care Plan is a developed comprehensive health insurance plan of Go Digit General Insurance aimed as one of their super top-up plans. Introduced in reaction to the rising medical expenses, it provides high sum insured, increased sub-limits, and more illness covers as well as broad scope in regard to heart diseases.
The two plans are keen on dealing with the increasing cases of heart related diseases in India especially among the middle aged and the elderly in India. As the demand for specific heart protection in 2025, lifestyle changes, sedentary jobs, and growing pollution are all-time high.
Care Heart Plan directly accepts individuals with prior heart complications even including claims after a short waiting period. Digit Option 3 Super Care is the plan that is suited to those who would like to augment their already existing health insurance and gain supplementary coverage on vital and costly services.
Did you know?
Further to the 2025 update of the Indian Heart Study, 19 percent of adults over the age of 35 in urban areas are at risk of heart problems to some extent, and over 30 percent report having a diagnosed disease requiring treatment.
The side-by-side comparison of the choices needs to be seen to make the right choice:
| Option 3 Super Care Plan Feature | Care Heart Plan | Digit Option 3 Super Care Plan. |
|---|---|---|
| Sum Insured (2025) | 5 lakh to 50 lakh | 5 lakh to 1 crore |
| Eligibility | Adults with/without heart condition | Individuals, families of all ages. |
| Pre-existing Heart Cover | Yes (cut short waiting time) | Yes, post-base waiting; top-up focus. |
| OPD Benefits | Basic | Comprehensive, and telemedicine. |
| Global/International Cover | Limited | Yes, emergency only. |
| Premium (age 45-55, Rs 10 lakh SI) | Rs 14500-21000 | Rs 13500-19200 |
| Sum Insured Restoration | No | Yes, one time per year. |
| Chronic/Other Illnesses | Heart only-focused only | -Multi-disease, critical cover. |
| Home Healthcare | No | Yes |
| Cashless Hospitals (2025) | 21,000+ | 11,000+ |
| Waiting Period (PED) | 24 -30 months heart; 48 months others | 24-36 months critical, 36 months others |
| Other Assist services | Second opinion, free check-up, diet, Ambulance, cashless at home, tele OPD. | |
| Claim Process | Online, helpline, physical documents | WhatsApp/app, video KYC, digital documents. |
The premiums are indicative and can be changed according to the city, age, or family.
What is more appropriate to insure heart surgery claims in 2025?
Both are thorough heart surgery but Care Heart will permit earlier claims of known conditions, whereas Digit Option 3 will cover many or complicated diseases.
Pros
Cons
Did you know?
In the Tier 2 and Tier 3 Indian cities, more than 60 percent of the patients with heart are willing to have shorter waiting times in plans because of late diagnosis in the year 2025.
Pros
Cons
The two insurers have also automated their claims handling processes and they use mobile applications, WhatsApp, and web portals. The customer support of Care Health is provided by call and web, whereas Digit deals with the instant uploading and video KYC and settlement monitoring.
Care Heart Plan also needs intimation, hospital approval, paper work, yet has huge network of TPA cashless approval. Option 3 involves uploading on WhatsApp, instant list of empanelled hospitals and settling most of the cashless cases within 9 days.
Does it have more discounts in 2025 on claim-free years?
Yes, both also provide No Claim Bonus or recharge benefits of a specified sum insured, on top of current cover.
Both the plans do not include non-medical and cosmetic procedures, experimental medications, and injuries that are self-inflicted. Normal waiting times are used.
Did you know?
In 2025, in India, non-disclosure of any past heart conditions or without including the proposal form in the proposal form were responsible of 18 percent claim rejections.
Care Heart Plan is a specialty, low-cost, post-waiting period initiative that is designed to serve individuals with pre-existing cardiac risks, payout quickly, and in cardiac-related emergencies.
Digit Option 3 Super Care Plan is more appropriate as a top-up to a base policy since it is a super top-up. It is useful in the case of those families that have many health risks, or those seeking an increase in their cover to Rs 50 lakh and above.
Age (years) Care Heart (RS 10 lakh SI) Digit Super Care (RS 10 lakh SI, Rs 3 lakh deductible)
| Age (years) | Care Heart (RS 10 lakh SI) | Digit Super Care (RS 10 lakh SI, Rs 3 lakh deductible) |
|---|---|---|
| 40 | Rs 12,900 | Rs 10,800 |
| 50 | Rs 18,200 | Rs 15,700 |
| 60 | Rs 25,500 | Rs 22,800 |
Can I buy both plans together?
Yes it may, but it is hardly necessary. Bigger Care Heart with simple health with a basic plan, or Digit Super Care with basic plans not both cardiac-specific plans.
Did you know?
In India, more than 45 percent of insurance policy renewals are achieved through WhatsApp, application or direct integration with healthcare facilities in 2025.
In case you are more concerned with heart disease, you have a past or already have one, then the Care Heart Plan will be a wise choice, due to its quick waiting time, claims, and cardiac specialization.
However, when you would wish to have a super top-up which will add to the hospitalisation cover to all key ailments, including heart, and you already have a base health insurance plan, then Digit Option 3 Super Care Plan can be a better value to larger families or higher-risks groups.
Q: What is the more suitable plan of those that are over 60?
Heart Care is superior in case the underlying condition is heart-related. Digit Option 3 is more appropriate to provide all-round cover and increased rents in the room.
Q: What is the speed at which claims are done in 2025?
Both have their most basic claims of cashless claims being done within 9 business days provided all the documents are in order.
Q: Does it include home health care in these plans?
Digit Option 3 covers home healthcare, Care Heart provides a greater number of diagnostic and post-hospitalization benefits.
Q: Do I receive any tax advantages on such plans?
Yes, the premiums received are subject to the income tax benefits in Section 80D of Indian tax laws.
Q: Which documents will be needed to purchase either of the policies?
Identity evidence, address, age certificate and current policy documents (in case of Care Heart) and of a basic health statement or ECG.
Q: Is it possible to purchase such plans by parents who are living in India?
Yes, they both enable NRIs to cover their parents based in India so long the premiums are paid in India.
Q: Does OPD and dental have riders in 2025?
Occasionally, Digit Option 3 covers OPD riders, but both dental covers both accident cases.
Q: What to do to renew these policies in 2025?
Both can be renewed either through an app or by a site, WhatsApp or through an authorized agent all are paperless and smooth.
Q: What in case my heart condition alters in the course of policy period?
The two policies provide continued coverage over the preexisting situations reported at the time of proposal provided the policy remains in effect and is renewed.
How could we improve this article?
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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