Care Health Plan: One Plan To Cover Your Family

Care Health Plan

In addition to providing health insurance services to corporate employees and individual clients, Care Health Insurance (CHI) also provides financial inclusion services. Since CHI's operating philosophy is founded on the principle of "consumer-centricity", the company has consistently invested in the effective application of technology to achieve excellence in customer service, product innovation, and value for money. With Care Health Insurance, consumers can purchase Health Insurance, Critical Illness, Personal Accident, Top-up Coverage, Travel Insurance, Maternity Insurance, International Travel Insurance, and Group Health Insurance for their businesses.

Benefits & Coverage of The Plan

Treatments Without Cash - Don't worry about arranging funds; focus only on your recovery. With cashless hospitalization, you do not have to worry about bill payments.
Claim Settled Through Direct Conversation- A network of leading healthcare providers across India enables us to back our promise with an enduringly simple claim process.
a. During a medical emergency or planned procedure Cashless services are available across India.
If you need reimbursement for expenses incurred at a non-network hospital, just notify us as soon as possible. b. Company will process your claim after you call us directly and send us the specified documents.
Benefit From Taxes-There are two advantages to opting for health insurance: first, it offers you peace of mind, and second, it can reduce your health care costs. The income tax act of 1961, section 80D, allows you to avail of a tax benefit on the premiums you pay for health insurance, which ensures that you and your family can access good medical care at all times.
There may be changes to tax benefits under the policy from time to time, depending on prevailing income tax laws.
Treatment Choices - Your treatment will always be covered, no matter what type you need. Ayurvedic, Unani, Sidha, and Homeopathic treatments are now covered for in-patient hospitalization, plus a specific limit that varies from plan to plan.
Sum Insured Recharge - It's always nice to have a refill! So, just when you need it most, your sum insured is reinstated. The sum insured of your policy will be reinstated once if you ever run out of/exhaust your health cover due to claims made. This can be used for any future claims unrelated to the claims made during the same year. Optional Cover - Unlimited Automatic Recharge allows you to take advantage of the benefit unlimited times.
24 Hours Hospitalization -A minimum of 24 consecutive hours is required to qualify for inpatient care, and we pay for everything from room charges, nursing expenses, intensive care unit charges, anesthesia, blood, oxygen, and operation theater charges.
Less Than 24 Hours Hospitalization - You will also be covered for medical expenses if you undergo a specified day care treatment in a hospital that does not require more than 24 hours of hospitalization.
Domiciliary Hospitalization- In case your treatment involves medical treatment for more than three consecutive days and merited hospitalization, we will reimburse your medical expenses incurred at home within India.
Pre Hospitalization For 30 Days - A hospital stay can sometimes be quite expensive due to procedures such as investigations and medication. You can claim coverage for medical expenses incurred up to 30 days before you are hospitalized.
Post Hospitalization For 60 Days- After you're discharged, your expenses won't end. Often, it covers your medical expenses for up to 60 days after being hospitalized, including follow-up visits to your doctor and medications.
Coverage For Ambulance Expenses - If you require an ambulance in an emergency, we offer coverage for it as well.
Daily Allowance -In addition to using the hospital's facilities and doctor's services, a trip to the hospital involves more than just visiting the hospital. For each day a patient is hospitalized for a maximum of 5 days, we reimburse out-of-pocket expenses as a 'Daily Allowance'.

Exclusions of The Plan

In the 48 months before the first policy is issued, any pre-existing condition or injury must have been diagnosed or acquired
If you contract a disease during the first 30 days following the start of the policy, except if it is caused by an accident
As a result of suicide or attempted suicide, self-inflicted injury expenses may be incurred.
Drinking, misusing, or abusing alcohol or drugs is an expense that can be incurred
Contact lenses/sight glasses cost
Congenital diseases external to the body
You need to complete two consecutive policy years to be covered for non-infectious arthritis, joint replacement, etc.

FAQ

What is the process of buying health insurance?

Health Insurance Policies can be purchased online easily. Here are the steps to follow:

Care Health Insurance offers a form to enter your details.
Request a quote
Depending on your needs, you can choose from several options.
Complete the required fields
Documents must be submitted
Payments can be made online

How does Care Health's co-payment plan work?

After an insured member reaches a certain age, health insurance companies use Co-Payment. Your co-pay is the amount you have to pay out of your claim. There are two types of co-pays: percentages and absolute amounts. The co-pay would be 20% and the claim Rs. 10,000, in which case you would be paid Rs. 8,000 (80% of 10K) and you would be responsible for 20% (Rs. 2,000). When you insure with CHI before age 61, there is no co-payment.

How does early Care Health Insurance benefit you?

Early Care Health Insurance purchase offers the following benefits:

A person's health insurance premium tends to rise as they get older - the older you are, the higher your premium.
The policy can cover medical conditions that may develop over time as long as there is no break in coverage.
Moreover, each 'no claim' year would result in a discount on your premium or an increase in your sum insured at no additional cost. Depending on the company, no-claim bonuses are treated differently.
The income tax benefits provided under Section 80 D of the Income Tax Act.

No Claim Bonuses: What are they?

No-claim bonuses on car insurance work similarly to this concept. Policyholders who have not made any claims in a year can use their bonus the following year. With no change in premiums, CARE gives a 10% boost to the insured sum for every year a claim is free. The following year, a policy with a sum insured of Rs 5 lakh will get an extended coverage of Rs 50,000 at the same premium. Upon achieving a third year of claim-free service, he will earn an additional ten percent on his base sum insured, bringing his total coverage to Rs 6 lakh. Bonuses may not exceed 50 percent. 10% of the accumulated bonus is deducted in the event of a claim.

What is the procedure for renewing a health insurance policy online?

To initiate the online renewal process, visit the official website of the company and click on 'Renew'
To renew your existing health insurance policy, simply fill out all the required details and click the 'Let's Renew' button.
After the online renewal of Care Health Insurance has been completed, the payment mode will be selected.
Your Care Health renewal will be completed once the payment has been made successfully. Renewal documents will be sent to your registered email address.

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