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In the wake of medical upheavals over the past few years, most of us have arrived at two crucial realisations- prioritising our health is essential, and investing in a reliable health insurance is an investment we must not ignore.
Care Health Insurance offers a comprehensive plan called Care Plus Complete that is designed to provide healthcare support to all with distinct healthcare needs. With coverage features like pre and post-hospitalisation expenses, organ donor costs, domiciliary hospitalisation, annual health check-ups, road ambulance cover, room rent, ICU costs, daycare treatment, in-patient treatment, no claim bonus, and alternative treatments, the Care Plus Complete plan is curated to meet the needs of customers from varied backgrounds.
Stay with us as we explain the benefits of the Care Plus Health Plan policy and how it can be customised to meet your requirements.
Care Plus Complete: At a Glance!
As the name suggests, Care Plus Complete is an all-inclusive health insurance plan designed to provide wholesome coverage to all. It has a tenure option of 1, 2, and 3 years, meaning you can choose a policy tenure that best suits your requirements.
Even if you have missed an early-age health insurance plan, Care Plus Complete comes as a saviour in your 30s and beyond. With an entry age of a minimum of 36 years and no maximum age limit to avail of the plan, Care Plus Complete assures you of having your savings secured in case of any health emergencies.
Why Should You Choose Care Plus Complete?
Care Plus Complete is a policy designed to protect you against medical emergencies while ensuring comprehensive coverage and customisable benefits including:
1. Wide Coverage
Care Plus Health plans provide wide coverage to meet the health concerns of beneficiaries. It includes:
| Features | Details |
| Room Rent | Depends on the plan option you choose |
| AYUSH Treatments | Covered up to the sum insured |
| Pre and post-hospitalisation | Care Plus Health offers coverage beyond hospitalisation. Covers 60 days of pre and 90 days of post-hospitalisation |
| Organ Donor Cover | The maximum amount can go up to the sum insured. |
| Domiciliary Hospitalisation | Claim up to the sum insured is allowed if the doctor-prescribed treatment at home continues for more than 3 days. |
2. Special Coverage
Take a look at the special features you can enjoy:
- Out-Patient Consultations: Up to ₹2500
- Out-Patient Dental and Ophthalmic Treatments: Up to ₹2500
- Air Ambulance Coverage: Up to the sum insured or ₹5 lakhs
- NCB Protect: NCB is not lost if the claim amount is less than 25% of the sum insured in a policy year
- Inflation Shield: This is a special policy feature designed to protect beneficiaries against inflation. There will be an annual increase in the sum insured based on CPI Inflation in the previous year, thus creating an inflation shield for the insured members.
- Personal Accident Cover: Up to the sum insured is allowed for accidental death or permanent total disablement
- New Age Benefits with Care Plus Complete: Care Plus Complete plan provides multiple new-age benefits to ensure all-around protection for insured individuals against health-related challenges. New Age benefits are offered to ensure a wholesome health and wellness experience. Insured can claim unlimited E-consultation with general physicians, access to health portals and health services, a digital locker for medical records and hefty discounts on services taken at the network providers.
- Earn & Burn: Using the “Earn & Burn” facility, an insured member can focus on health and wellness while earning redeemable points. This means that an insured can earn points by taking steps for health wellness, such as walking, running, or any other form of wellness activity.
3. Annual Health Check-up
Any adult beneficiary enjoys the privilege of an annual health check-up every year. One must keep in mind that the annual health check-up is available at a wide range of network laboratories of Care Plus Health Insurance.
4. No Claim Bonus
The policy beneficiary gets to enjoy a no-claim bonus. The exciting part of this feature is that the base policy sum insured can be increased by up to a maximum of 200% if a claim has not been during the previous policy period.
5. Second Opinion
An expert’s opinion is exactly what is needed, especially with serious medical conditions. The policy offers second-opinion consultation for 15 special diseases. These diseases include Lung Failure Paralysis, Motor Neuron Disorder, Major Burns, Benign Brain Tumor, End-Stage Myocardial Infarction, Coronary Artery Heart Valve Replacement, Cancer, Coma, Stroke, Major Organ Transplant, End-Stage Renal Failure, Multiple Sclerosis, Bypass Graft, and Total Blindness.
6. Recharge of the Sum Insured
Care Plus Complete plan offers unlimited automatic recharge of the sum insured for both related and unrelated illness hospitalisation. There must be a gap of at least 45 days between the date of discharge and the date of re-admission in a hospital if it is related to the same illness.
7. Policy Discounts
The plan provides exciting benefits to make healthcare affordable for all customers. Here’s how:
- Family Discount: If there are 2 to 3 members, a 5% discount can be availed, and for a family of 4 or 6 members, a 10% discount can be availed.
- Tenure Discount: If the beneficiary pays for a 2-year policy term in advance on the second tenure, the discount is 7.5%, and it is 10% on the third tenure if the beneficiary pays for a 3-year policy term in advance.
- Discount for Policy Bought through Digital Mode: A 5% discount can be availed, but only for first-time purchasers.
Care Plus Complete Supports Advanced Technology Treatment Methods
In today’s world, it is crucial to adapt to new methods and technological advancements. Medical science has come a long way to offer advanced treatment options through technological methods and Care Plus Complete policy ensures the beneficiary of a smooth process by offering support in cases of:
- Uterine Artery Embolisation and HIFU
- Balloon Sinuplasty
- IONM - (Intra Operative Neuro Monitoring)
- Oral chemotherapy
- Deep Brain stimulation
- Immunotherapy- Monoclonal Antibody to be given as an injection
- Intra vitreal injections
- Bronchial Thermoplasty
- Robotic surgeries
- Stereotactic radio surgeries
- The vaporisation of the prostate (Green or Holmium laser treatment)
- Stem cell therapy uses hematopoietic stem cells for all possible bone marrow transplants to treat any haematological conditions that will be covered.
>> Also Read: How does the Sum Insured Recharge in Care Plus work?
Care Plus Complete: Optional Benefits that Enhance Your Coverage
In addition to base coverage and benefits, the Care Plus Medical Insurance policy also provides optional benefits that allow the insured members to curtail the policy as per their needs. Here’s how a healthcare plan can be made even more wholesome:
1. International Second Opinion
Facing a serious medical condition always calls for a second opinion. What if a beneficiary wishes to seek international consultation to get a second opinion? Care Plus Complete has covered the beneficiary by offering expert opinions on 15 specialised illnesses. Now, without travelling, the beneficiary can get the case re-evaluated from the best minds globally.
2. Smart Select
If the insured chooses to get treated on a special network created for Smart Select, then a 15% discount on the base premium is offered.
3. Covid Care
Covid Care is an add-on that provides in-patient care to post-hospitalisation bills. Here’s a detailed list of benefits under Covid Care add-on:
- In-Patient Care: This can be claimed if a beneficiary receives in-patient care for a minimum of 24 consecutive hours for a COVID-related illness.
- Daycare Treatment: If the beneficiary's treatment in the hospital or daycare centre does not exceed 24 hours, the beneficiary is indemnified for medical bills up to the sum inured.
- Sub Limits on Coverage for Guarantee: Indemnity for medical expenses incurred a maximum of up to 1% of the sum insured per day with a maximum of up to 30 days in a policy.
- Pre and Post-Hospitalisation Medical Expenses: Reimbursement of pre-hospitalisation medical expenses is allowed for 30 days immediately before the beneficiary’s date of admission in the hospital and for 60 days immediately after the beneficiary’s discharge from the hospital for reimbursement of post-hospitalisation bills.
4. No-Claim Bonus Super
A beneficiary can increase their sum insured amount by 50% for every claim-free year, up to 100%.
5. Reduced PED Wait Period
Choosing an additional benefit will also reduce the applicable wait period of 36 months for claims related to pre-existing diseases to 12 months.
Care Plus Complete: Key Takeaways
Now that we have discussed how Care Plus Health Insurance is a supporter in times of need let’s focus on the key takeaways:
- Provides Annual Health Check-up
- Provides Inflation Shield
- Wide coverage that includes in-hospitalisation, donor cover, air ambulance, new-generation features like health services and portals, OPD Cover, and Personal Accident cover.
- Provides support for advanced technological treatment methods.
- No Claim Bonus up to an increase of 200%.
- Additional benefits include an international second opinion, Smart Select, NCB Super, COVID Care and reduced wait period.
As Everything Can’t be Possible to Cover
Before you leave, let’s review the essential details of the exclusions of Care Plus Complete Health Insurance.
- Expenses on self-attributed injuries
- Internal congenital diseases
- Treatment steaming from pregnancy or miscarriage.
- Hospitalisation due to war, strike or nuclear weapon.
- Tests and treatment for infertility or IVF.
Note: Kindly check the official website or final brochure for a complete list of exclusions.
Claim Settlement
Claiming process under the policy is kept simple and easy as it includes:
- Intimating the insurance company within 24 hours of hospitalisation in case of an emergency and 48 hours before in case of a planned hospitalisation.
- To go cashless, request an authorisation that includes a query and approval/rejection. Avail cashless facility where the hospital bills are paid by Care Health Insurance directly.
- In case of reimbursement claim, pay the medical bills first and register a request for reimbursement with supporting documents as mentioned in the policy documents.
- The settled amount will be disbursed to the registered bank account once the claim is verified.
Summing Up
A comprehensive medical insurance plan is an investment that must not be ignored, especially in today’s world, where healthcare expenses are skyrocketing. A reliable health insurance plan must offer wide coverage, no bonus claim, an inflation shield, and customisation add-ons. Care Plus healthcare plans are aptly designed to offer a helping hand in times of need.
If you are looking for a comprehensive health insurance for yourself or your family, Care Plus Complete is a wise choice. Connect with our experts to avail more details on the plan and get yourself covered!
Disclaimers: The above information is for reference purposes only: Policy Assurance and Claims at the underwriter's discretion.
