Care Health Insurance Plans

Care Health has a few prominent features, which are listed below, just like any other health insurance company in India:[1]

Care Health provides a variety of health insurance plans, including the following, to accommodate various people's needs and requirements:[1]

• Family Health Insurance Plans: Care Health offers family health insurance plans that combine your family's medical costs into a single policy. This covers you, your partner, your kids, and occasionally your dependent parents as well. Care Health offers family health plans that cover the medical needs of your whole family without requiring you to purchase numerous policies.
• Individual Health Insurance: Care Health offers individual health insurance policies that are tailored to each person's unique medical needs. Medical costs resulting from sickness, accidents, hospital stays, and other health-related problems are covered by these plans. Additionally, the individual plans provide tailored coverage according to the policyholder's age, health history, and other needs.
• Senior Citizens Health Insurance: Plans for individuals over a specified age, usually 60 years or above, are specifically created for seniors, as the name implies. These senior citizens' health insurance plans cover pre-existing medical issues, chronic illnesses, and age-related disorders, among other healthcare, needs tailored to the specific needs of seniors.
• Group Health insurance: The Care Health corporation offers group health insurance to a variety of people, including workers at a company, community members, and members of organizations. When compared to individual plan premiums, these policies offer all group members comprehensive coverage at a comparatively reduced cost. In addition, workplace health plans frequently offer discounts and extra perks.
• Maternity Health Insurance: Plans for maternity health insurance cover costs associated with pregnancy, such as prenatal care, delivery, postpartum care, and caring for a newborn. These plans may also provide coverage for hospital stays, physician visits, diagnostic testing, and birth control pill costs.
• Critical Illness Health Insurance: Plans for critical illness health insurance provide monetary security against serious medical disorders including cancer, heart attacks, and other life-threatening illnesses. Should the policyholder be diagnosed with a covered critical illness, the policy will pay a lump payment to cover treatment-related medical costs.
• Out-Patient Department (OPD) Coverage: OPD coverage is a different kind of Care Health health insurance plan. Payment for outpatient medical treatments, consultations, diagnostic tests, prescription drugs, and procedures that don't need to be hospitalized is covered under the Out-Patient Department coverage. With both in-patient and out-patient treatments, it provides complete healthcare coverage.
• Top-Ups Plans: Plans for Top-Up health insurance provide extra coverage above and beyond your current policy. When medical costs deplete the base amount insured under your primary medical coverage, Care Health's top-up plans kick in. With these plans, you may improve your health insurance coverage affordably and without having to pay a large price increase.
• Women's Health Insurance: Last but not least, Care Health offers women-specific health insurance plans that cater to the particular healthcare requirements of women. These women's health insurance plans cover gynecological procedures, pregnancy, and other health conditions that are exclusive to women. Preventive screenings, wellness initiatives, and other benefits may be included with these plans.

A summary of each Care Health Insurance plan is provided in the table below:

The following are the specifics of each of the plans listed above

1. Care Supreme Health Insurance

For healthcare needs at every stage of life, Care Health Insurance provides Care Supreme insurance. This policy's enormous advantages are what make it unique. A 600% increase in overall coverage, unlimited automatic recharge for connected and unconnected illnesses, a 30% renewal discount, 100% of the sum covered for ambulance coverage, and unlimited e-consultations with general practitioners are among the benefits.

Apart from monetary support, the Care Supreme policy offers entry to an array of healthcare amenities aimed at enhancing convenience in healthcare.[2]

2. Senior Citizens Advantage

Care Health provides Senior Citizen Advantage, a premium health insurance program exclusively for individuals 61 years of age and above. It operates similarly to a regular Mediclaim policy in that it pays for unexpected medical expenses related to hospital stays, lodging, and emergency services. At a reasonable cost, this senior health insurance coverage offers comprehensive protection.

A significant reduction in the PED wait period, No claim bonus super, OPD cover, Care shield, etc. are some of the important benefits of this medical insurance coverage.[3]

3. Care Joy Maternity Health Plan

The purpose of Care Joy Maternity Health Insurance is to pay for maternity and delivery-related costs. Costs for prenatal care, delivery, and postpartum care are usually included. This insurance helps to lessen the financial burden connected with pregnancy and childbirth by providing pregnant parents with financial security. It pays for prescription drugs, doctor visits, lab work, ultrasounds, and hospital stays. Obstetrical or delivery-related problems are also covered by certain plans.

Care Joy wants to provide families peace of mind by making sure they can get high-quality maternity care without having to worry about the hefty costs associated with it. It's like having a safety net in place that lets you enjoy the excitement of adding a new family member without worrying about the bills.[4]

4. Care Enhance Super Top-Up Plan

An Improved Care It's like boosting the protection of your current health insurance with the Super Top Up plan. Consider it a safety net in case unplanned medical costs arise. It functions as follows: In the event of a serious medical emergency, you may be concerned that your standard health insurance plan, which pays up to a specific amount, may not be sufficient. Care Enhance Super Top Up plan is what helps with that.

Up to a certain amount, the Super Top Up plan takes over to pay for additional medical expenses if they exceed the limits of your primary health insurance. It's similar to having a backup plan that lets you know you'll be taken care of completely in an emergency without worrying about depleting your resources or experiencing financial hardship. It provides extra financial security and peace of mind in the event of medical emergencies, acting as a safety net for your safety net.[5]

5. Care Heart Health Insurance

Having Care Heart Health Insurance is akin to having an angel watching over your well-being. This plan ensures that you receive the necessary treatment without having to worry about paying large bills by covering the costs of medical care linked to heart disease. Consider it a heart-related safety net that is there to catch you if problems occur. Care Heart is there for you when it comes to regular checkups, operations, and medication. It's similar to walking alongside you as a personal health companion, offering comfort and financial support. Knowing that your heart health is adequately taken care of with Care Heart allows you to concentrate on living life to the fullest. You may therefore relax knowing you're protected, regardless of the severity of the palpitations or the cardiac episode under Care Heart Health Insurance.[6]

6. Care Assure Critical Illness Health Insurance

The Care Assure Critical Illness Plan functions as a kind of health safety net. It's a kind of coverage that takes effect in the event of a major illness. This is how it operates: Suppose you receive a serious medical diagnosis, such as a heart attack or cancer. This plan takes the lead and provides you with a lump sum payment so you don't have to worry about medical expenses.

You can pay for therapies, cover expenses, or even take time off work to concentrate on your recovery with this money. It functions similarly to a financial safety net during times of need. Just keep in mind that for the plan to be effective, it must be in place before you become ill. It's similar to having a financial and health fallback plan.[7]

7. Care Classic Health insurance

For all of your medical needs, the Care Classic health insurance plan is like having a guardian angel. It's a kind of insurance that pays for a wide range of medical costs, including prescription drugs, hospital stays, and doctor visits. The arrangement is as follows: you pay a fixed monthly sum, which is akin to a subscription fee. In exchange, this plan kicks in and helps with the cost if you ever require medical attention.

That's not all, though. You also receive some awesome benefits with Care Classic. Preventive check-ups, for instance, may be covered so you may identify any health issues early on. Additionally, you can save money there as well because they frequently have a network of physicians and hospitals where you can receive discounted rates.

Consider it your health safety net. You have this plan in place in case you become ill or are hurt, and it will ensure that you receive the necessary medical attention without going over budget. All you need to do is continue making your monthly payment, and your guardian angel will continue to keep an eye on you.[8]

8. Care Advantage Health Insurance Plan

Having a superhero at your side when it comes to your health is what the Care Advantage health insurance plan is like. This insurance policy is excellent and goes above and beyond to pay for a wide range of medical costs. Imagine being able to pay a monthly payment, similar to a membership, and having this plan come through for you anytime you need medical attention.

But this is where it becomes better: Hospital stays and medical visits are not the only things that Care Advantage covers. Nope, it covers everything from eye tests to dental checkups to unconventional therapies like acupuncture. You can think of it as a one-stop shop for all your medical requirements.

Not to mention the benefits, of course. You can often get exclusive offers and savings with Care Advantage, allowing you to maintain your health and cut costs. Consider savings on healthful groceries, fitness courses, and gym memberships.[9]

A few requirements need to be fulfilled to be eligible to purchase a health insurance plan from Care Health:[10]

1. Age Requirements

• The proposer must be at least 18 years old
• To qualify for health care under a family floater policy, which covers many family members under a single plan, a child must be older than ninety-one days.

2. Waiting Period

• After acquiring the coverage, there is an initial 30-day waiting period. However, in the event of an unplanned emergency, this waiting period is not applicable.
• There is a 9-month to 24-month waiting time for maternity.
• Pre-existing illness patients must also wait 2-4 years.

3. Additional Conditions

• A diverse range of sums insured is offered from 3 lakh up to 6 crore.
• Benefits like OPD and COVID coverage are yet another added benefit under Care Health Insurance plans.
• Care Health has made sure that customers have a tailor-made plan meeting all their requirements in their health insurance plans.

Depending on what suits you most, you can buy the Care health insurance plan online or offline. These two methods' specifics are listed below:[11]

Online Process

You can purchase the Care health insurance plan online on the insurer's website or by going to the InsuranceDekho website:

Purchase Health Insurance With InsuranceDekho

To acquire your health insurance coverage from the official InsuranceDekho website, take the actions listed below:

Step 1: Fill Out the InsuranceDekho Website with Your Information

Firstly, visit InsuranceDekho's health insurance page and fill out the form here with your name and phone number.

Step 2: Select the Best Scheme

Next, pick from the available options the best Care health insurance plan. Make sure the items you select fit your needs and your budget.

Step 3: Coverage Payment

Next, provide your details on two forms and respond to a few health-related inquiries. In addition, you'll need to pay the price and provide a few documents.

Step 4: After Payment, Get Assistance

A manager from InsuranceDekho will get in touch with you to assist with resolving any issues with your policy after you've paid the premium for the Care health policy of your choice.

Purchase Health Insurance Policy via Insurer Website

The following are the quick and simple methods to buy Care health insurance straight from the insurer's website:[1]

Step 1: Go to the website of the insurer

Visit Care Health Insurance's official website to start the procedure and enter the necessary information.

Step 2: Take the Above Steps.

Proceed by simply following the instructions in the section "Purchase Health Insurance With InsuranceDekho" to complete the process of buying your coverage on the official Care Insurance website, starting with Step 2.

Offline Process

If you would like to get individualised help with your Care health insurance policy purchase from the InsuranceDekho relationship manager, follow these steps:[11]

Step 1: Add Content to the Website

Enter the necessary information, including your age, pin code, and cellphone number, at www.insurancedekho.com.

Step 2: Comparing the Available Plans

You will obtain a list of the best Care health insurance policies after entering your information.

Step 3: Request a Return Call

You can update your inquiry on the plan page and request a callback if you require any additional assistance. Additionally, if you need more help, a home visit from an InsuranceDekho relationship manager can be scheduled to offer tailored support.

The following paperwork is required to purchase Care Health Insurance:

• A filled-out and signed Proposal Form
• Proof of age, like 10th or 12th Mark Sheet, Voter Card, Passport, PAN Card, Driving Licence
• Proof of where you live, such as an Aadhaar card, Passport, Driving License, Electricity Bill or Voter Card
• Any medical reports the insurance company needs
• Passport-size photos

The table below highlights the differences between two different variants of the Care Supreme plan:

Note: The variants might differ from one Care health insurance plan to another. The table above is crafted by comparing the variants of the most popular Care plan i.e. Care Supreme.

Here's how to quickly upgrade your plan with InsuranceDekho if you want to improve your health insurance coverage with Care Health Insurance:

• At the Time of Renewal

There's a great chance to increase your coverage when your health insurance policy comes up for renewal. You may enhance your Care medical insurance coverage in several ways with InsuranceDekho, including by adding more riders or raising the maximum amount insured. You can check your current coverage throughout the renewal process and talk with us about any upgrades that would better meet your current healthcare needs.

• In Between

You can update your Care health insurance plan at any time; you are not required to wait until the time of policy renewal. Contact the InsuranceDekho customer service team to discuss upgrade possibilities if you discover that your current coverage is insufficient or if your healthcare needs change.

• Portability Benefits

You can improve your coverage by using InsuranceDekho's portability function if you're thinking about moving from another health insurance company to Care Health Insurance. With the help of this feature, policyholders can transfer their current health insurance policy to a new plan and keep certain benefits including coverage continuity and waiting period credit.

[1]https://www.careinsurance.com/health-insurance/

[2]https://cms.careinsurance.com/cms/public/uploads/download_center/care-supreme---brochure.pdf?rv=0.72085500%201715156825

[3]https://cms.careinsurance.com/cms/public/uploads/download_center/senior-health-advantage---brochure.pdf?rv=0.72098300%201715156825

[4]https://cms.careinsurance.com/cms/public/uploads/download_center/joy-(maternity-insurance-product)---brochure.pdf?rv=0.72112800%201715156825

[5]https://cms.careinsurance.com/cms/public/uploads/download_center/enhance-(top-up-insurance-product)---brochure.pdf?rv=0.72118700%201715156825

[6]https://cms.careinsurance.com/cms/public/uploads/download_center/care-heart-(health-insurance-product)---brochure.pdf?rv=0.72121700%201715156825

[7]https://cms.careinsurance.com/cms/public/uploads/download_center/assure-(critical-illness-product)---prospectus-cum-sales-literature.pdf?rv=0.72152600%201715156825

[8]https://cms.careinsurance.com/cms/public/uploads/download_center/care-classic---(health-insurance-product)-brochure.pdf?rv=0.72104900%201715156825

[9]https://cms.careinsurance.com/cms/public/uploads/download_center/care-advantage-(health-insurance-product)---brochure.pdf?rv=0.72062100%201715156825

[10]https://www.careinsurance.com/blog/health-insurance-articles/things-you-should-not-miss-about-waiting-period

[11]https://www.insurancedekho.com/health-insurance/care