Care Plus Health Insurance

A leading name in the healthcare industry, Care Health Insurance offers different types of health insurance plans. One of the most popular health insurance plans that the company offers is the Care Plus Health insurance plan. This is a complete health insurance plan that acts as a bulletproof against health emergencies. Want to know more about the Care Plus health insurance plan, scroll through the section below.

Care Plus Health Insurance Plan At a Glance

Key Features of Care Plus Health Insurance Plan

Some of the key features of the Care Plus health insurance plan are as follows:

• Plan Options: This plan is available on a family and individual floater basis. So, whatever your health insurance requirements are, you can accordingly choose the right plan for yourself. You can also get coverage for maternity expenses under Care Plus health insurance plans.
• Sum Insured: When you buy this plan, you have the option to choose a sum insured between Rs. 2 lakhs - Rs. 25 lakhs
• Cashless Hospitalisation: Care Health Insurance has tie-ups with over 22,900 network hospitals. The extensive number of network hospitals lets policyholders choose a nearby network hospital and get quality treatment.
• Discounts: It offers different types of discounts so that policyholders can save on health insurance premiums such as wellness discounts, renewal discounts, and more.

Eligibility Criteria of Care Plus Health Insurance Plan

The eligibility criteria for the Care Plus health insurance plan are listed below:

Benefits of Care Plus Health Insurance Plan

Some of the benefits of buying the Care Plus health insurance plan are as follows:

• Restoration Benefits: The Care Plus Health insurance plan offers unlimited restoration benefits. This means that if the sum insured gets exhausted due to medical treatment, then the sum insured gets automatically restored.
• Reward Points: With the Care Plus Health Insurance Plan, you will also be entitled to reward points. If you are fit and have accumulated certain steps, then you will earn reward points and get discounts and health insurance premiums.
• Varied Options: The Care Plus Health Insurance plan is available as both a family floater and an individual plan. So, if you buy the plan just for yourself, you can choose the individual variant or family variant based on your needs.
• Medical Coverage: The Care Health Insurance plan offers coverage for pre and post medical expenses, along with organ donor expenses, AYUSH treatment, no claim bonus, annual health check-ups, modern treatment, room rent coverage, and a lot more.
• Flexible Policy Tenure: To buy the Care Plus Health Insurance Plan, you can choose flexible policy tenure of 1,2, or 3 years.
• Personal Accident Cover: The Care Plus health insurance plan also provides personal accident cover up to a specified limit.

Inclusions and Exclusions of Care Plus Health Insurance Plan

Inclusions

• Day care treatment - All the medical expenses for hospitalisation of less than 24 hours are covered up to the sum insured
• In-patient hospitalisation - If the policyholder is hospitalized, then the medical expenses up to the sum insured is covered
• Advance technology methods: Treatment that involved advance technology is covered up to the SI
• Annual health check-up: To monitor the well-being of the policyholder, annual health check-up benefit is also offered under the Care Plus insurance plan
• No claim bonus protect: This includes 50% increase in SI for every claim-free year, maximum up to 200% of SI
• Out-patient dental and ophthalmic treatment: This is up to Rs. 2,500
• Personal accident cover: In case of accidental death or permanent disability, 100% of SI financial coverage is offered
• Unlimited e-consultation: Policyholders can directly consult medical practitioners through advanced technology for unlimited times.

Exclusions

• Any injury due to involvement in adventure or sports activities
• Any injury due to consumption of alcohol or drugs
• Injury due to breach of law
• Cosmetic surgery
• Weight-related treatment
• Self-inflicted injury
• Gender change treatment

Riders Available with Care Plus Health Insurance Plan

The different rider options available with the Care Plus Health Insurance Plan are as follows:

• Co-payment waiver: If the policyholder becomes physically disabled or critically ill, then with this rider, the health insurance co-payment clause gets waived off.
• No claim bonus super: This is an add-on cover that increases the sum assured to a specific limit for a claim-free year. With this, the sum insured increases by 50% for every claim-free year.
• Reduction in the PED waiting period: With this rider, you can reduce the waiting period for pre-existing medical conditions from 3 years to 1 year.
• Co-payment waiver for senior citizens: It waives the co-payment premium if it is mandatory due to any reason

Variants Available with Care Plus Health Insurance Plan

There is no specific variant available with the Care Plus Health Insurance Plan. However, you can choose a variable sum insured as well as opt between a family or individual plan. The sum insured option includes Rs. 3 lakhs, Rs. 5 lakhs/ Rs. 7 lakhs or Rs. 10 lakhs/Rs. 25 lakhs. Depending on the plan option you choose, the features and benefits offered will vary.

Documents Required to Buy Care Plus Health Insurance Plan

In order to buy the Care Plus health insurance plan, you need certain documents such as those listed below:

• A duly-filled proposal form
• Aadhaar card
• PAN card
• Income proof
• Bank passbook
• Pre-existing medical disease certificate
• Medical reports
• Previous health insurance copy, if any

How to Buy the Care Plus Health Insurance Plan?

Here are the steps required to buy the Care Plus Health Insurance plan:

• Visit the “Health Insurance” section on the official InsuranceDekho website.
• Choose "Care Health Insurance" from the list of health insurance companies.
• Then, select "Plus" from the available health insurance plans.
• Read the policy documents carefully
• Upload all the necessary documents to complete the KYC process
• After finishing the KYC process, pay the premium online
• Finally, you will receive the policy document in your registered email

Claim Process of Care Plus Health Insurance Plan

There are two types of claims you can raise along with your Care Plus health insurance plan: cashless claim and reimbursement claim. Under a cashless claim, you don’t need to spend anything from your pocket and all the medical expenses incurred will be directly settled by the insurance company. On the other hand, in a reimbursement claim, you will have to spend from your pocket to settle the medical expenses, which will later be reimbursed by the insurance company.

Cashless Claim

• Care Health Insurance has tie-ups with over 22,900 network hospitals, so locate a nearby cashless hospital
• Fill out the pre-proposal form at the network hospital
• Submit the claim request at the Care Plus health insurance form
• Then, all the documents will be sent to the insurance company for verification
• Once, everything is verified, the insurance company will directly settle your claim request

Reimbursement Claim

• Get admitted to a nearby hospital
• Next, raise a claim request and submit all the documents to the insurance company
• Then, the insurance company will verify all the documents
• Finally, when the insurance company gives an approval, the claim request will be reimbursed