Care Health Care Insurance Plan

Care health insurance is a type of family health insurance plan that Care Health Insurance offers. This is a comprehensive health plan that meets the health insurance needs of all your family members. If covered under the policy, you can avail of several coverage benefits some of which include in-patient hospitalisation expenses, pre-hospitalisation expenses, post-hospitalisation expenses, and a lot more. So, scroll through the section to learn all about the Care Health Insurance Plan.

Care Health Insurance Plan Details at a Glance

Highlights of the Care Health Insurance Policy are listed in the table below:

Coverage	Family
Riders	Care Shiled, NCB Protect, Reduction in PED Waiting Period, etc
Variants	N/A
Key features	Family plan, no upper age limit, wide range of sum insured
Inclusion	In-built maternity cover, restoration benefits, Organ donor expenses, etc
Exclusion	Self-inflicted injuries, expenses of spectacles, injuries due to consumption of alcohol, etc

Key Features of Care Health Insurance

Listed below are some of the key features of Care Health Insurance:

• Wide Range of Sum Insured: This plan comes with a wide range of sum insured. The sum insured goes up to Rs. 75 lakhs.

• Cashless Hospitalisation: With the Care Health Insurance plan, policyholders can also enjoy the benefit of cashless hospitalisation. It has tie-ups with over 22,900 network hospitals.

• No-upper Limit: The Care Health Insurance plan comes with no upper limit on the maximum entry age.

• In-built Maternity Cover: The Care Health Insurance plan is available with an in-built maternity plan. There is maternity coverage of up to Rs. 1 lakhs available when you choose a sum insured of Rs. 50, 60, or 75 lakhs.

• Personal Accident Cover: With the Care Health insurance plan, you can also opt for Personal Accident Cover and get coverage for any injuries due to an accident.

Eligibility Criteria for Buying Care Health Insurance

Listed below are the eligibility criteria for the Care Health Insurance plan:

Parameters	Eligibility Criteria
Minimum entry age	91 days
Maximum entry age	No limit
Maximum entry age for a child	25 years
Renewability	Lifelong
Waiting period	30 days
Grace period	30 days

Benefits of Buying Care Health Insurance Plan

Some of the benefits of buying the Care Health Insurance plan are as follows:

• Restoration Benefits: With the Care Health Insurance plan, you will also be entitled to restoration benefits. This means that if your sum insured gets exhausted, it will automatically get restored after you have raised a claim. This benefit can further be used for unlimited times with the ‘Unlimited Automatic Recharge’ cover.

• Day Care Treatment: The Care Health Insurance plan provides coverage for over 540 daycare procedures as listed on the policy document.

• No Claim Bonus: This is a type of bonus given on your Care Health Insurance plan if you do not raise any claim in a given year. With this, you can get up to a 150% increase in the sum insured. Moreover, with NCB Protect cover, you will receive a 50% increase in your sum insured for every claim-free year which goes up to 100%.

• Ambulance Cover: The ambulance cover provides coverage for expenses incurred towards taking an ambulance for hospitalisation.

• Additional Cover: Additionally, the plan also provides coverage for alternative treatment, second opinion, annual health check-ups, organ donor cover, etc.

• Freedom of Choice of Treatment: No matter what type of treatment you are seeking, you will get coverage for all under the Care Health Insurance plan. Be it alternative treatment, modern treatment, or AYUSH treatment, you will get coverage for all under the Care Health Insurance Plan.

Riders Available with Care Health Insurance Plan

There are a few riders that you can include in your Care Health Insurance Plan to further enhance its benefits. Scroll through the section to learn more about them:

• Care Shield: This add-on provides coverage for 68 non-payable items, protection of NCB, and an increase in the sum insured every year as per the CPI index.

• NCB Super: This provides an increase in the sum insured by up to 100% for every claim-free year.

• Reduction in PED Waiting Period: With this, you can get the waiting period for pre-existing conditions reduced from 4 years to 2 years.

• OPD Care: This provides coverage from Rs. 5,000 to Rs. 50,000. It includes coverage for doctor consultations, dental treatment, prescribed diagnostics, pharmacy, etc.

• Co-payment: With this, you get the option to avail discount on health insurance premiums by opting 20% co-payment. However, this applies to policyholders above the age of 61 years.

• Unlimited Automatic Recharge: With this option, your sum insured will get recharged for unlimited times in case it has been exhausted.

Variants Available with Care Health Insurance Plan

There are no such variants available with Care Health Insurance. However, based on the sum insured the coverage varies. The available sum insured options are Rs. 5-10 lakhs, Rs.15-40 lakhs, and Rs.50-75 lakhs. Listed below is the coverage offered under these:

Coverage	Rs. 5-10 lakhs	Rs.15-40 lakhs	Rs.50-75 lakhs
Room rent	Single room	Single room, room upgrade to next level	Single room, room upgrade to next level
Organ donor cover	Up to Rs. 1 lakhs	Up to Rs. 2 lakhs	Up to Rs. 3 lakhs
Day care treatment	Yes	Yes	Yes
Pre-hospitalisation	30 days	30 days	30 days
Post-hospitalisation	60 days	60 days	60 days
AYUSH treatment	Up to SI	Up to SI	Up to SI
Annual health check-up	Yes	Yes	Yes
Second opinion	Yes	Yes	Yes

Inclusions and Exclusions of Care Health Insurance Plan

Care Health Insurance Plan inclusions and exclusions are mentioned below in the list:

Inclusions:

• Pre and post hospitalisation Expenses: For all kinds of expenses incurred before hospitalisation, coverage is offered before 30 days of hospitalisation. For post-hospitalisation, it is offered for 60 days.
• Daycare treatment: Coverage is offered for over 540 daycare procedures based on sum insured.
• Ambulance cover: Up to the sum insured
• ICU charges: No limit
• Doctor’s fee: No limit
• AYUSH treatment: Up to the sum insured
• Recharge of sum insured: Up to the sum insured

Exclusions:

• Any pre-existing condition is not covered within 48 months of the policy term
• Any expenses due to self-inflicted injury are not covered
• Expenses due to misuse of alcohol or drugs
• Costs related to lenses and spectacles
• External congenital disease

Documents Required to Buy Care Health Insurance Plan

Listed below are the documents required to buy Care Health Insurance plan:

• A duly-filled proposal form
• Aadhaar card
• PAN card
• Driving license
• Birth certificate
• Bank passbook
• Previous medical report
• Passport

How to Buy the Care Health Insurance Plan?

Here are some easy steps in which you can buy Care 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 "Care plan" 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 Health Insurance

You can raise two types of claims when you buy the Care Health Insurance plan. These are cashless claims settlements and reimbursement claims. In a cashless claim, you need not spend anything from your pocket as all the expenses will be directly settled by the insurance company. On the other hand, in a reimbursement claim, you first need to spend money from your pocket which will be later reimbursed by the insurance company.

Cashless Claim

• Visit a nearby cashless hospital that has tie-ups with Care
• Fill out the proposal form and submit all the required details such as policy details, claim form, and more
• Then, the TPA will verify all the documents and it will then be verified
• Once everything has been verified, your claim request will be settled by Care Health Insurance

Reimbursement Claim

• For reimbursement claims, you can seek treatment at any hospital which is convenient for you
• Next, raise a claim request on the official website of Care Health
• Submit all the required documents such as medical reports, hospital expenses, and more
• Later, when all the documents are verified, you will receive reimbursement for all the medical expenses

FAQs

1. What is the maximum entry age for buying the Care Health Insurance Plan?

A. There is no maximum entry age for buying the Care Health Insurance plan.

2. Does the Care Health Insurance plan offer lifetime renewability?

A. Yes, the Care health insurance plan offers lifetime renewability.

3. What is the maximum limit of the sum insured when buying the Care Health plan?

A. When buying the Care health plan, the maximum limit on the sum insured is Rs. 75 lakhs.

4. Will I get unlimited restoration benefits with the Care Health Insurance plan?

A. Yes, the Care Health Insurance plan offers unlimited restoration benefits.

5. Which riders can I include in the Care Health Insurance plan?

A. The different riders you can include in the Care Health plan are NCB Protect Cover, Reduction in PED waiting period, Personal Accident Cover, Care Shield, etc.