Care Health Insurance Policy Details

Care Health Insurance Policy Details: An Overview

Care Health Insurance Company (formerly known as Religare Health Insurance) offers health insurance policies to financially assist the policyholder during medical emergencies. The health plans are available in different segments, such as individual, senior citizen, critical illness, maternity, personal accident, and group plans.

Before deciding to buy a Care Health Insurance plan, it is important to check every small coverage detail of the policy. The health insurance will be your and your family's financial shield during a medical emergency. Continue reading to learn about Care Health Insurance policy details, including all plan lists, coverage benefits, eligibility criteria, waiting periods, and more.

Why is it Important to Check Care Health Insurance Policy Details?

Staying well-informed and making a wise decision to buy a health policy provides peace of mind during medical unhappenings. To understand better, here are the reasons why it is important to check Care Health Insurance policy details:

Understanding Coverage

The purpose of buying health insurance can completely differ. You may want coverage for yourself, extended family, parents, critical illness, accidental coverage, maternity benefits, etc. Hence, checking Care Health insurance policy details is important to know all coverage per your needs.

Financial Protection

Health insurance selection can be critical in terms of coverage and expenses not covered. When you thoroughly check Care health policy details, you stay informed about what is not covered and what additional coverage you need to add. This ensures you won't face unexpected out-of-pocket expenses that could strain your finances.

Choosing the Right Plan

Checking Care Insurance policy details helps you compare different health insurance plans and select one that fits your and your family's health needs and budget, providing you peace of mind. Understanding the policy helps effectively utilise the benefits, like opting for a network hospitals for cashless treatment.

Efficient Claim Processing

Going through the Care Health policy details keeps you aware of the claim processes and prevents future disputes/denied claims. This ensures timely and hassle-free claim settlements.

Maximising the Benefits

Having a complete understanding and awareness of what you are buying is always beneficial. When it is about health and financial well-being, it becomes more critical and maximises benefits at the right time. Checking Care Health policy details regularly helps you decide when to add a member, take extra coverage, remove an add-on (if no more required), and more. This helps make the most out of the plan at the right cost.

Key Facts About Care Health Insurance:

48 Lakh+ insurance claims settled
Up to Rs. 75,000 of tax benefits under Section 80D
Get wide coverage ranging from Rs. 3 Lakhs to Rs. 6 Crores
Annual health check-ups with specific plans
Get a discount on a multi-year Care Health policy
Special plans to cover 32 critical illness
Modern treatments like Robotic Surgery covered
Specially designed plans for senior citizens
24X7 claim and customer support

Brief of Care Health Insurance Policies Details

We have prepared a list of all Care Health insurance plans to make it easy for you to compare different policies and their benefits in one place. Go through the table below:

Plan Name	Plan Type	Plan Highlights	Entry Age	Sum Assured	Waiting Period (from the date of inception of the policy)	Policy Term	Cumulative Bonus
Care Advantage Health Insurance	Individual or floater basis	Annual health checkup Daycare treatments Automatic recharge	Adults: 5 years- no bar Child: 91 days - 24 years	Rs. 25 Lakhs, Rs. 50 Lakhs, Rs. 1 Crore, Rs. 2 Crore, Rs. 3 Crore, Rs. 6 Crore	Initial: 30 days Named ailment: 24 months Pre-existing diseases: 48 months	1/ 2/ 3 years	Up to 50% of the sum insured
Care Advantage with Add-On Protect Plus & Care Shield	Individual or floater basis	Unlimited e-consultation with general physicians Organ donor cover Air ambulance cover	Adults: 5 years- no bar Child: 91 days - 24 years	Rs. 25 Lakhs, Rs. 50 Lakhs, Rs. 1 Crore, Rs. 2 Crore, Rs. 3 Crore, Rs. 6 Crore	Initial: 30 days Specific disease: 24 months Pre-existing diseases: 48 months	1/ 2/ 3 years	Up to 100% of the sum insured
Care Supreme Plan	Individual or floater basis	Unlimited automatic recharge Unlimited e-consultation with general physician Advanced technology treatment covered	Adults: 18 years to no bar Child: 90 days to 24 years	Rs. 5 Lakhs, Rs. 7 Lakhs, Rs. 10 Lakhs, Rs. 15 Lakhs, Rs. 25 Lakhs, Rs. 50 Lakhs, Rs. 1 Crore	Initial: 30 days Named ailment: 24 months Pre-existing diseases: 48 months	1/ 2/ 3 years	50% to 100% of the sum assured
Care Saksham	Individual basis	21 disease covered Modern treatment Cataract treatment	Adults: 18 years - 65 years Child: 90 days - 17 years	Rs. 4 Lakhs, Rs. 5 Lakhs	Initial: 30 days Pre-existing disease: 48 months	1 Year	NA
Care Senior Health Advantage	Individual or floater basis	All daycare procedures Organ donor cover Lifelong renewal	Senior Citizens: 60 years to no bar	Rs. 5 Lakhs, Rs. 10 Lakhs	Initial: 30 days Named ailments/ Pre-existing diseases: 24 months	1/ 2/ 3 years	10% to 50% of the sum insured
Care Classic Health Insurance	Floater basis	Unlimited automatic recharge of the sum insured All daycare treatment Advanced technology methods	Individuals: 18 years to 65 years Child: 91 days to 24 years	Rs. 5 Lakhs, Rs. 7 Lakhs, Rs. 10 Lakhs, Rs. 15 Lakhs	Initial: 30 days Named ailment: 24 months Pre-existing diseases: 49 months Assisted reproductive treatments: 36 months	1/ 2/ 3 years	25% to 125% of the sum insured
Care Super Mediclaim	Individual basis	32 critical illnesses covered Cancer mediclaim Heart-related critical illness	Individuals: 5 years to 50 years	Rs. 10 Lakhs, Rs. 25 Lakhs, Rs. 50 Lakhs, Rs. 1 Crore, Rs. 2 Crores	Initial: 90 days Pre-existing disease: 48 months	1/ 2/ 3 years	Up to 50% of the sum insured
Care Secure Comprehensive Personal Accident Insurance	Floater basis	Permanent total disablement Permanent partial disablement Accidental death	Adults: up to 70 years Child: 91 days to 24 years	Rs. 10 Lakhs, Rs. 15 Lakhs, Rs. 20 Lakhs, Rs. 25 Lakhs, Rs. 30 Lakhs, Rs. 50 Lakhs, Rs. 1 Crore, Rs. 2 Crores, Rs. 3 Crore, and up to Rs. 25 Crore	NA	1/ 2/ 3 Years	NA
Care Joy Health Insurance ( with Maternity & Newborn Cover)	Individual or floater basis	Avail of single private room with AC Lifelong renewability Daycare expenses	Adults: 18 years to 65 years Child: 1 day to 24 years	Rs. 3 Lakhs, Rs. 5 Lakhs	Illness except accident: 30 days Maternity: 9 months Pre-existing diseases: 48 months Specific treatments/ illness: 24 months	3 years	Up to 100% of the sum insured (optional cover)
Care Enhance (Top-Up Insurance)	Floater basis	Annual health check-ups for adults In-patient care Daycare treatment	Individuals: 18 years to no bar Child: 1 day to 24 years	Enhance 1: Rs 1 Lakh - Rs. 30 Lakhs Enhance 2: Rs. 30 Lakhs, Rs. 35 Lakhs, Rs. 40 Lakhs, Rs. 45 Lakhs, Rs. 50 Lakhs, Rs. 55 Lakhs	Illness except Injury: 30 days Named ailments: 24 months Pre-existing diseases: 48 months	1/ 2/ 3 years	NA
Care Plus Health Insurance	Individual or floater basis	Unlimited automatic recharge Unlimited e-consultation Optional maternity and newborn cover	Adults: 5 years to no bar Child: 91 days to 24 years	Rs. 3 Lakhs, Rs. 5 Lakhs, Rs. 7 Lakhs, Rs. 10 Lakhs, Rs. 25 Lakhs	Initial: 30 days Named ailments: 24 months Pre-existing diseases: 36 months Maternity cover & newborn cover: 24 months	1/ 2/ 3 years	50% to 200% of the sum insured
Care Heart Health Insurance	Individual or floater basis	3 health check-ups annually Home care benefit Cardiac health check-up	Adults: 18 years to no bar	Rs. 3 Lakhs, Rs. 5 Lakhs, Rs. 7 Lakhs, Rs. 10 Lakhs	Initial: 30 days Specific: 24 months Pre-existing diseases: 24 months	1/ 2/ 3 years	Up to 50 % of the sum insured
Care Freedom Health Insurance	Individual or floater basis	Annual health check-ups Automatic recharge of the sum insured Life-long renewability	Adults: 18 years to no bar Child: 90 days to 24 years	Rs. 3 Lakhs, Rs. 5 Lakhs, Rs. 7 Lakhs, Rs. 10 Lakhs	Any illness: 30 days Named ailments: 24 months Pre-existing diseases: 24 months	1/ 2/ 3 years	NA
Care Health Insurance	Individual or floater basis	In-built maternity cover with high sum insured Lifelong renewability Daily allowance	Individuals: 5 years to no bar Child: 91 days to 24 years	Rs. 5 Lakhs, Rs. 7 Lakhs, Rs. 10 Lakhs, Rs. 10 Lakhs, Rs. 15 Lakhs, Rs. 20 Lakhs, Rs. 25 Lakhs, Rs. 30 Lakhs, Rs. 40 Lakhs, Rs. 50 Lakhs, Rs. 60 Lakhs, Rs. 75 Lakhs	Initial: 30 days Pre-existing illness: 48 months	1/ 2/ 3 years	Up to 150% of the sum insured
Arogya Sanjeevani Policy	Individual or floater basis	Cataract treatment AYUSH treatment Daycare treatments	Individuals: 5 years to 65 years Child: 3 months to 25 years	Rs. 50K to Rs. 10 Lakhs	Initial: 30 days Specific surgeries/ treatments: 24/ 48 months Pre-existing diseases: 48 months	1 year	5% to 50% of the sum insured
Care Assure (Critical Illness Coverage Plan)	Individual basis	20 critical illnesses covered Personal accident cover Second opinion	Adults: 18 years to 65 years	Up to 25 Crores	Initial: 90 days	1/ 2/ 3 years	NA

* The plan details shown above are sourced from the official website of Care Health Insurance.

Things to Consider Before Buying a Care Health Insurance Plan

Before purchasing Care health insurance, take the time to review all policy details thoroughly to ensure you select the right plan tailored to your health needs and financial situation. Below are the important measures you need to check while going through the Care Insurance policy details:

Coverage Benefits

Check if your policy covers hospitalisation, surgeries, pre-existing conditions, daycare procedures, outpatient treatments, ambulance service and limit, maternity coverage, and newborn cover (if required). It totally depends on your individual preferences, so it's important to be clear about your requirements in advance.

Network Hospitals

Ensure reputed hospitals in your locality are part of the Care Health network for cashless treatments. Also, understand the process for availing of the cashless facility at the network hospital.

Policy Limits and Sub-Limits

Check if there is a cap on room rent and if it affects other hospital charges. While you review the Care Health insurance policy details, critically review whether there are specific limits on treatments like cataract surgery or chemotherapy.

Inclusions and Exclusions

Be aware of the treatments and conditions covered and not covered. You are required to evaluate different applicable waiting periods for certain conditions to avoid the denial of a claim when required.

Claim Process

Understand the process of cashless and reimbursement claims, the important steps involved in filing a claim, and the required documentation. Research about the past track of claim settlement of Care Health to gauge reliability.

Premium and Renewability

Ensure the premium cost is affordable and reasonable to cover the benefits under the plan. You can also check for the terms about policy renewability, no claim bonus for a claim free year, and the ease of portability (if required).

Care Health Plan Details: Understanding of Coverage Benefits

While reviewing the Care Health Insurance plan details, you see different benefits. You may be familiar with some terms, while others might be new. Let’s look at the coverage benefits details for a better comprehension:

Waiting Period

A specific duration when you have to wait to claim the benefits or the benefits become effective.

Co-payment

A cost-sharing concept between you and your health insurer where you have to pay a specific amount or percentage from your pocket every time a claim is raised.

Deductibles

A part of the claimed amount you have to pay out of your pocket when a health insurance claim is raised.

Network Hospital

A hospital with which your health insurer has collaborated to provide you with a cashless hospitalisation facility. When you file for a cashless hospitalisation, your health insurer settles the bills directly with the hospital.

Pre-existing Diseases

In case you suffer from an illness before purchasing a plan, it is considered a pre-existing disease. However, you are eligible to buy health insurance with a pre-determined waiting period.

Claim Intimation

Process when you need to notify the insurer about the upcoming hospitalisation and medical treatment claim by submitting detailed claim information.

Cashless Hospital Claim

A facility offered by health insurers to help you obtain medical treatment even if you do not have enough finances at hand.

No Claim Bonus

A complimentary bonus for every claim-free year during the policy tenure that helps reduce the cost of Care Health on renewal.

Sublimits

Pre-determined limits by Care Health to decide on how much claim amount will they pay for a given healthcare expense.

Top-Up Plans

Enhances the coverage of the base Care health plan by increasing the sum insured and benefits to provide maximum protection

Daily Allowances

Coverage for the everyday expenses during the hospitalisation, such as X-ray charges, surgical accessories, daily expenses, etc.

How to Check Care Health Insurance Policy Details After Purchase?

Care Health Insurance provides excellent customer support and enhances its servicing experience. To make it more convenient for you, they have made the process from buying to tracking and claiming insurance very simple and efficient. You can follow online and offline methods to check the Care Health Insurance policy details given below:

Online Process

Through the Official Website of Care Health Insurance

Visit the official website of Care Health Insurance.
Scroll to the bottom of the homepage and go to the ‘Self Help’ section available in the menu of the ‘Already a Customer’ section.
Select ‘Show Policy Details’ in the ‘Know Your Policy’ section.
Provide your policy number and verify the captcha.
Upon successful verification, click ‘Next’.
Provide the details, and you will see the Care Health policy details.

Through Care Customer Account

Visit the official website of Care Health Insurance.
Go to the ‘Support’ section available on the top navigation bar.
Select ‘Login As A Customer’ under the ‘My Account’ section.
Complete the login with your email, mobile number, or policy number.
Upon successful login, you can check your Care Health policy details.

Through Care Health Insurance Customer Care

Call Care Health Insurance customer support at 1800-102-4499.
Tell them your policy number and personal information.
Request them to email a copy of your Care Health policy document.
You can also connect with the support team on WhatsApp at 8860402452.

Through RenewBuy

Connect with your RenewBuy Partners.
Tell them your policy number and request a Care Health policy document copy.
They will send you a link or email your Care Health policy document in PDF format.

Offline Process

Visiting the Care Health Insurance Branch

Locate your nearest Care Health Insurance branch office using the branch locator available on the official website.
Visit the branch during the visiting hours.
Explain your request to a representative and provide your policy number and personal information.
They will assist you in printing a copy of your policy document consisting all Care Health policy details.

Exclusions Under Care Health Insurance Policy

Being informed about the exclusions saves you from surprises while making a claim. The exclusions are the medical conditions not covered under the Care Health Insurance policy. Mentioned are some of the common exclusions:

Self-inflected injuries
Any medical conditions (except accidents) occurring within 30 days of the policy start date
Cosmetic or aesthetic treatment
Any medical condition arising due to alcohol or drug abuse
Infertility tests and treatment
Hospitalisation due to war-like conditions

Final Words

Having a clear understanding of Care Health Insurance policy details before and after purchasing a health plan can save you from future surprises and claim denials. You can go through the list of Care Health plans that we have provided and learn about what benefits are covered and the associated waiting period.

For any other Care Health Insurance policy details related queries and questions, you can connect with their customer support team. You can also connect with one of our RenewBuy Partners for professional guidance and policy related assistance.