Care Plan
Care Plan from Care Health Insurance is a comprehensive health insurance plan designed to provide financial protection to individuals and their family members in case of medical emergencies. It is an ideal health insurance plan for those who want a health plan with a high-sum insured option to tackle present and future medical emergencies. With Care Health Policy, the insured can be sure of getting the best healthcare treatment in India and abroad and can focus on recovery without any worries.
Highlights of Care Health Insurance Plan
Below-mentioned are the highlights of Care Plan from Care Health Insurance:
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Entry Age
Individual: 5 Years to Lifelong Family Floater: 91 Days to Lifelong
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Renewability
Lifelong
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Policy Type
Individual and Family Floater
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Sum Insured
3L to 6Cr
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Policy Term
1, 2, 3 Years
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Waiting Period for PED
2 Years
Network Hospitals
Eligibility Criteria Criteria to buy Care Plan from Care Health Insurance
Below mentioned is the eligibility criteria of Care Health Care Plan:
- Individual
- Family Floater
Entry Age: 5 Years to Lifelong
Entry Age: 91 Days to Lifelong
Coverage Benefits Offered Under Care Health Plan
The care plan offers the option of a higher sum insured which varies on different care plan variants. Listed below are the coverage options available to you and your family under the care plan:
- 3L and 4L
- 5L, 7L, 10L
- 15L to 40L
- 50L, 60L, 75L
- 1Cr to 6Cr
Room Rent
Up to 1% of Sum Insured
Single Private Room
Single Private Room (Upgradable)
Single Private Room (Upgradable)
Any Room
ICU Charges
Up to 2% of Sum Insured per Day
Up to Sum Insured
Up to Sum Insured
Up to Sum Insured
Covered
Pre-Hospitalization
Covered up to 30 Days
Post-Hospitalization
Covered up to 60 Days
Domiciliary Hospitalization
Covered up to 10% of Sum Insured
Covered up to 10% of Sum Insured
Covered up to 10% of Sum Insured
Covered up to 10% of Sum Insured
Covered if hospitalization exceeds 3 days
Daycare Treatments
540+ Daycare Treatments Covered
COVID-19 Treatments
Covered
No Claim Bonus
Available up to 150% of SI
Automatic Restoration
Unlimited
Unlimited
Unlimited
Unlimited
100% of SI once a year
Hospital Daily Cash
INR 500 Up to 5 days
Not Covered
Not Covered
Not Covered
Not Covered
Organ Donor
INR 1L
INR 2L
INR 3L
INR 5L
Covered
Maternity Cover
Not Covered
Not Covered
Not Covered
Covered up to INR 1L
Covered up to INR 2L
AYUSH Treatment
Covered
Modern Treatment
Covered
Ambulance Cover
Covered
Air Ambulance Cover
Covered up to INR 1.5K
Covered up to INR 2K
Covered up to INR 2.5K
Covered up to INR 3K
Covered up to INR 1.5K
Co-Payment
20% for every claim
Vaccination Cover
Not Covered
Not Covered
Not Covered
Covered
Not Covered
Coverage Outside India
Not Covered
Not Covered
Not Covered
Covered
Covered
Coverage after Waiting Period
Given below are the coverage benefits offered under the Care health Care Plan after certain waiting period:
| Coverage Benefits | Waiting Period |
|---|---|
| Assisted Reproduction Treatment | 36 months |
| Initial Waiting Period | 30 Days |
| Covid Treatment | 15 Days |
Care Health Care Insurance Plan Exclusions
Below mentioned is the list of diseases and conditions that are not covered under Care Plan:
- Injuries resulting from adventurous sports
- Hospitalization due to alcohol, and drug abuse
- Injuries resulting from a suicide attempt
- Cosmetic or Plastic Surgery
- War-related injuries
- Tests and treatments due to infertility and in vitro fertilization
Care Health Care Plan Additional Benefits
Care Health Care Plan offers various types of additional benefits to its customers. Below are some additional benefits offered by the Care Health Policy:
- No Claim Bonus Super: This additional rider provides a 50% increase in the sum insured amount for every claim-free year. This increase can go up to a maximum of 100% of the Sum insured per policy. In addition, it offers combined benefits of No-Claim Bonus and No-Claim Bonus Super, i.e. 60% increase in the Sum Insured for every claim-free year. If a claim is made in any year, the No-Claim Bonus and No-Claim Bonus Super will be reduced at the same rate at which it arises.
- Reduction in Waiting Period of Pre-Existing Disease: You can reduce the waiting period for pre-existing disease from 48 months to 24 months.
- Everyday Care: You can get coverage for doctor’s consultations and diagnostics tests up to 2% of the sum insured amount.
- Global Coverage: You can get cashless medical treatment worldwide through this add-on rider.
- International Second Opinion: You can consult doctors outside India as a second opinion by adding this rider to your care plan.
- Care Shield: It is a combination of three additional riders, i.e. claim shield, no claim bonus shield, and inflation shield.
1. Claim Shield: It covers non-payable expenses such as gloves, masks etc.
2. No Claim Bonus Shield: You can take benefit of no claim bonus shield if the claim amount is less than 25% of the sum insured.
3. Inflation Shield: Your sum insured amount will increase after every renewal of care plan.
Explore More About Care Health Insurance Policy
Check the below section to learn more about the Care Health Insurance buying process, care health insurance claim settlement process, care health insurance renewal process.
