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Health insurance is a security cover wherein the insurer bears the insured person’s healthcare costs for regular premium payments. You can opt for health insurance on an individual or family floater basis.
Get ₹ 5 Lac Health Cover at ₹ 542/month
As rightly said by Voltaire, "There can be no happiness without good health."—and there can be no good health without a healthy lifestyle. Together with a nutritional diet, physical activity, and healthy habits, a well-planned health cover is a crucial factor contributing to our healthy lifestyle. It is more than evident during the current pandemic how millions of people could not receive quality healthcare either due to insufficient funds or improper healthcare facilities.
That's when the need for health insurance plans kicks in. It involves wisely investing your healthcare funds to mitigate the loss of finances during unprecedented hardships. The rising medical costs, uncontrollable disease spread, and adulterated consumption are some pressing reasons healthcare should be your priority right now.
At Care Health Insurance, we understand how the financial crunch across Indian families blocks their way to a healthy future. We offer affordable and comprehensive health covers that shield your savings while meeting your healthcare needs on time to share the burden during your medical crises.
So, take charge of your health today by adopting a healthy lifestyle and learning more about investing in Care health insurance schemes.
Health insurance is a healthcare cover that pays for insured members' medical expenses arising due to accident, illness, or injury. It is an indemnity-based agreement under which the insurer promises to bear the hospitalization costs and other medical bills concerning the insured. Under medical insurance, there's a pre-defined sum insured, the maximum amount the insurer would pay to the policyholder during a medical emergency. In return, the insured members promise to pay out a periodic premium amount.
The premium is calculated based on the plan's sum insured, healthcare benefits, and other factors concerning the policyholder. However, policyholders can always increase the sum insured amount by paying a higher premium. With a budget-friendly monthly insurance pay-out, the insurer can secure immediate financial and medical help during an emergency.
At Care Health Insurance, we aim at serving customers beyond basic healthcare insurance by enhancing our medical policies with valuable features to meet the diverse medical needs of people across India.
Our health insurance plans come with a wide range of sum insured, starting from 3 lacs to 6 crores, enhanced with various healthcare benefits like COVID and OPD-care, cashless hospitalization, day-care treatment, annual health check-ups, among others. We ensure people receive quality medical facilities without worrying about arranging funds to pay for hefty hospital bills.
Along with the standard healthy policy offerings, Care insurance policies are complemented with add-on perks like a daily allowance for non-medical expenses, ambulance cover, co-payment waiver for senior citizens, maternity care for to-be mothers, and much more. Thus, a health policy is a vital protection shield to buy for oneself and family's financial security against unexpected medical crises.
The primary role of health insurance is to lower the burden of unexpected life events like illnesses and accidents. Insurance for medical contingencies ensures financial help, appropriate healthcare services, and comprehensive medical coverage for all eligible members in times of need.
Health insurance policies can share the costs of various medical expenses surrounding one's illness, from pre-hospitalization requirements to alternative treatments and post-hospitalization recovery. Simply put, health insurance is a complete protection cover for your savings against unprecedented mishappenings while assuring hassle-free transactions during hospital rounds.
Under healthcare plans, the insured is any individual or family trying to get sufficient financial help during medical emergencies by paying a regular amount, known as premium. However, there's more to the process and terms of medical insurance than this. So, let's understand the nuts and bolts of health insurance in India by elaborating how it works-
Assessment of Your Healthcare Needs: First of all, you need to consider your medical condition before opting for a suitable medical policy. How old are you? Are you carrying any pre-existing diseases like diabetes or hypertension? Do you have a medical history in your family? Are there any specific treatments or surgeries you are anticipating? You must have solid answers to all these questions so that a health plan can be helpful to you and your family.
Insurance Enrolment: Suppose you are a family man, aged 40, considering a medical cover for yourself, your wife (aged 40), and your daughter, aged 9. Being a middle-aged nuclear family, you are less prone to chronic diseases. Ideally, it would be best to have a comprehensive health insurance scheme covering all major health risks and treatments.
Regular Premium Payment: Generally paid monthly, premium is the amount you invest with the insurer to receive health insurance benefits. The healthier and younger you are, the lesser premium rates you bear. However, factors like your lifestyle, drinking habits, city of residence, and family's medical history also affect your final premium pay-out.
Deductibles and Co-payment Check: Deductibles are a standard clause across insurance policies that is the amount you initially pay before your mediclaim starts paying for your medical expenses. Co-payment is another insurance clause requiring people aged 61 years and above to bear a percentage of their hospitalization claim. Thus, deductibles and co-payment are stepping stones to reap the benefit of your healthcare insurance finally.
Use of Preventive Care: Taking timely precautions is the need of the hour, especially under the current pandemic's constant health risks. Under preventive care, medicalim policies cover COVID treatment, annual health check-ups, general OPD visits, diagnosis, medical tests, consultations, etc., done to analyze any severe health patterns beforehand. By paying premium, you can avail of preventive care benefits under your medical insurance plan.
Hospitalization Process: Unfortunately, if you or a family member needs emergency hospitalization, you should reach the nearest network hospital. At in-network hospitals, you get a cashless billing facility along with other discounts on pharmacy and other non-medical expenses. In-network hospitalization saves you from paying hefty medical bills from your pocket as the insurance provider settles the claim directly with the hospital.
Claim Settlement: Your health policy comes into effect once you submit the claim form at the cashless hospital's TPA/insurance desk. However, if you happen to admit the patient to a non-network hospital, you can settle the claim but only through reimbursement. If you exhaust your sum insured, there's always a restoration benefit scheme provided by the insurer. That's why choosing an insurer with a high claim settlement ratio always helps.
Learn more about the cashless claim settlement ratio here.
With Care Health Insurance, you get some of India's best health insurance plans designed to meet our customers' diverse medical needs. Below are all the kinds of health insurance that we offer-
Look for best health plan that suits your need!
Health Insurance that Covers your Loved Ones
Your Parents have always cared for you, Now its your TURN
Health Insurance that Covers Pre-existing Heart Ailments
Health Insurance for Diabetes, High BMI and Hypertension
Maternity Insurance Plan with Newborn Baby Cover
Boost Your Existing Health Cover With Super Top Up Plan
Realizing the importance of medical cover is just the first step to experiencing the immense benefits of a health cover, especially in light of health-related uncertainties. Here's how buying health insurance benefits you and your family:
Financial Protection against Medical Inflation
No matter how much health inflation rises, you have CHIL's back with comprehensive healthcare insurance covers.
Coverage for Hospitalization Expenses
It secures you against pre and post-hospitalization expenses, ambulance, day-care procedures, domiciliary care, etc.
Coverage for Critical Illnesses
Treatment cover for life-threatening conditions comes as a blessing, which is available as a separate cover.
Protection above Corporate Health Insurance
In times of severe health crises, a standalone health policy always scores over employer-provided health plan.
Cashless Claim Benefit
Over 16,500 cashless network hospitals are available for a convenient billing experience at the hospital.
*Note: Tax deduction on health insurance premium is subject to rules and regulations of the Income Tax Act.
Buying the most suitable health plan involves careful planning and consideration of various factors. Investing in the right medical cover is a wise yet difficult decision for the well-being of yourself and your loved ones. But how to choose the right plan can be an overwhelming task.
To select the best medical insurance in India, you must study the scheme for the following advantages:
Don't worry about scheduling countless appointments with agents to understand policy details. We provide an all-digital policy selection experience wherein you can study, compare, choose, and pay for health insurance anywhere, anytime across India.
Our team is always available for all your queries concerning the terms and conditions of our healthcare policies. By accessing the live chat option, you can quickly discuss any policy-related matter at your convenience.
We facilitate digital premium calculators to help you evaluate and opt for customized healthcare insurance for your family members.
Our policy portals offer various digitally secure payment modes, including credit/debit cards or net banking. Once purchased, you will receive authentic policy documents immediately.
What we promise on paper is what you get gets in times of emergencies. All our healthcare insurance plans include all the terms and conditions for your ready reference.
While browsing online through our mediclaim policies, you can easily check out other add-on benefits. These include OPD care, co-payment waiver, reduced wait time for pre-existing diseases, among others, to cover your specific needs.
With CHIL, you qualify for the bonus of income tax benefits on health insurance premium paid towards your policy subject to certain limitations. Consult a tax consultant or auditor to determine the actual eligibility and deduction amount. Under section 80D of the Income Tax Act, you can claim deductions when filing tax returns. Mentioned below are some ways you can qualify to save tax with Care Health Insurance:
Simply because we are at a heightened risk of contracting chronic diseases now, more than ever. Our sedentary lifestyle worsened by the pandemic, poor climate conditions, and improper medical facilities are some of the many reasons why health insurance is a savior in these uncertain times.
The good news is medical technology has undergone tremendous advancements, and this positive change is helping doctors treat even the most complicated diseases. While we marvel at this healthcare industry transformation, the steep rise in medical treatment costs is another biggest barrier that holds back people from receiving quality medical care. Medical emergencies can wipe out your savings in no time. That's why you need a comprehensive health insurance policy to safeguard your family from financial loss during emergencies.
Apart from these pressing causes, there are other factors that necessitate getting health insurance:
Medical Inflation: With over an 8% year-on-year increase in medicine prices, medical tests, and hospital charges across India, families have realized the importance of affordable health insurance while facing a healthcare crisis.
Poor Living Conditions: There's only 1 doctor to care for every 1800 patients in India. The poor doctor-patient ratio is coupled with hazardous air quality, under-nutrition among children, tobacco consumption, and more health evils. The risks of illnesses grow as we age, and that's why getting the best health insurance in India is essential to your well-being.
Financial Security: Indian families always set aside the least amount toward healthcare while setting a monthly budget. When emergency knocks, we realize that the meager amount is insufficient to pay high-cost hospital bills. However, an investment of a small premium amount can get up your chances of a financially covered healthcare treatment.
A health insurance plan provides you with comprehensive financial protection in the time of urgent need by covering various medical expenses apart from the bills you incur during hospitalization. The coverage provided is subject to the policy terms and conditions. The expenses covered in a health insurance policy are:
Stay safe in this time of COVID-19 pandemic as health insurance covers specific expenses for coronavirus treatment.
We cover your expenses like room rent, ICU charges, doctor’s fee, etc., during any planned or emergency hospitalization up to the sum insured.
Pre-Hospitalization Medical Expenses
We cover your medical expenses like doctor’s consultation, medical tests, & medication up to 30 days before admission to a hospital.
Advanced Medical Treatments
Access advanced medical care and get coverage for such treatments, including robotic surgeries, under a health insurance policy.
The everyday expenses during hospitalization can be considerable! We provide a fixed amount to cover them.
Post-Hospitalization Medical Expenses
The medical expenses, like follow-up visits and medical tests, are covered up to a period of 60 days immediately after discharge from the hospital.
Some health plans offer this benefit where the domiciliary care medical expenses are covered up to a specified period.
Don’t let lack a of finances deter your faith in alternative medicine. Now, we cover AYUSH treatments too!
The best health insurance plans also give maternity benefits with cover for delivery-related expenses. Additionally, various add-ons are available at an additional premium, including OPD Care, where OPD expenses like OPD consultations, diagnostics, and medicines, are covered.
Disclaimer: Please check our product pages and prospectus for more details.
Before you proceed to pick the right health cover for your needs, give a glance at the exclusions mentioned in the policy documents. Doing so will keep you prepared for any contingency. Exclusions are expenses or the various cases when you may not be eligible to get a claim under your health policy. The exclusions include:
India is a country with diversified living conditions and complex health statuses across its population. At Care Health Insurance, we aim at designing customized health insurance schemes that cater to the divergent healthcare needs of all types of families and individuals residing in India. Our target is to help you preserve your savings for other memorable life events instead of losing your hard-earned money on medical emergencies.
Finding the best health insurance in India requires an in-depth comparison of several factors like policy coverage, added benefits, claim process, among others. However, the foremost factor is your family's medical condition and healthcare needs that decide your insurance choice. Below, we have elaborated some common scenarios to help you select the perfect health insurance for yourself and your dependents-
For safeguarding your entire family's medical needs, you should go with our family floater insurance. It covers your immediate family members, such as spouse, children, and dependent parents, for a single and affordable premium. Plus, your family can benefit from advanced medical procedures like robotic surgeries, modern day-care treatments, annual health check-ups, no claim bonus, automatic recharge, and more.
Family members can have quite different medical conditions, and common family insurance may not work. For such cases, we suggest opting for Care individual health covers for your loved ones. The best part- you can customize individual health plans as per every family member's needs. Also, you get multiple benefits, such as day-care treatments, advanced medical treatments, and get rewarded with no claim bonus for each claim-free year.
At Care Health Insurance, we have designed a special health cover for senior citizens and elderly parents above 60 years of age. It comes with a higher sum insured that will financially protect their health from old-age ailments, along with several benefits, like in-patient care, pre and post-hospitalization, home-care, and co-payment waiver, etc.
Individuals who already suffer from any pre-existing condition have a greater need for accessing quality medical care. If you also have pre-existing diseases, you can opt for our range of top health insurance policies. After the waiting period completion, these plans cover treatment expenses for pre-existing ailments like diabetes, high blood pressure, and high BMI.
When life throws challenges, sometimes, the only option is to be strong and face them. The treatment of cancer, lung disease, organ transplant, and other critical ailments can completely wash away your finances in times of uncertainty. So, anticipating any chronic conditions among your family, do check our Super Mediclaim- A superhero of health insurance. These plans provide your loved ones with coverage against expensive medical treatments without the least worry. For those facing high risks, especially, it is crucial to invest in this medical shield early in life to get financial protection in the hour of need.
Health insurance premium refers to the amount an insured person should pay to a health insurance company to avail of the policy benefits. The premium cost is calculated after considering factors such as the insured person's age, type of plan, the sum insured, number of insured members, add-ons, pre-existing conditions, etc. While evaluating medical insurance online at Care Health Insurance, you can quickly calculate your mediclaim premium by using the quotes calculator.
We adhere to the underwriting process and consider many factors on which your health insurance premium will depend. Listed below are some determining factors-
You can now calculate the health insurance premium using a simple digital tool known as the health insurance premium calculator. This tool helps you get the right estimate of the amount of premium you will have to pay for your policy. It considers various factors to calculate the premium, including the information you have entered. Here are the steps to calculate your premium:
Step 1: Visit the Health Insurance Premium Calculator page.
Step 2: Choose the desired policy and enter your mobile number under the 'Get Quote' section.
Step 3: Enter the pin code and email address, followed by the details of all the members you wish to get insured.
Step 4: Customize the policy by changing the sum insured and adding-on benefits per your needs.
Step 5: That's it! Your instant health insurance quote is calculated, including 18% GST.
CHIL offers three policy estimation options: family cover, pre-existing diseases cover, and senior citizen insurance. The premium calculator will automatically calculate the amount you must pay to be eligible for the coverage. You can check the premium and critical benefits in your base health insurance cover.
The incurred claim ratio and the claim settlement ratio are good indicators of how hassle-free your claims experience will be. Every individual looking to buy a health cover must understand these factors and know the claim procedures to avoid confusion. CHI is among the leading players in the health insurance industry and had a 95.2 % Claim Settlement Ratio for the FY 19-20.
You have two options to file health insurance claims – reimbursement claims wherein the policyholder has to initially bear the hospital bills that will be reimbursed by the insurer later. Second is the cashless facility where you need not make any payment to the hospital.
Intimate within 24 hours of your hospitalization
Intimate us 48 hours prior to your hospitalization
Request for pre-authorization
Claim form submission
Complete the pre-authorization form available
at the hospitals' insurance/TPA Desk and send us through fax.
Approval letter sent by the claim management team
Hospital/Insured to respond to the query raised by the claim management team
You may initiate the treatment and file for reimbursement claim
Submission of claim form along with required
documents, as per the policy terms & conditions
Approval letter sent by the claim management team
Insured to respond to the query raised by the claim management team
We will communicate the reason in case of rejection
There might be a valid reason why one may wish to port a health insurance policy. The Insurance Regulatory and Development Authority of India (IRDAI) offers the provision of Health Insurance Portability.
Porting a medical plan is easy and can be done before the policy renewal stage. Just notify your existing insurer at least 45 days before the policy renewal date of an existing medical cover.
You will be able to retain your policy benefits and accrued bonuses and transfer the time-bound exclusions, including credit for the waiting period for pre-existing diseases. It is possible to port a policy from one insurance company to another and from one health policy to another policy with the same insurance company.
Here is a step-by-step guide you can refer to port your health insurance policy and get covered under Care health insurance plans:
Duly fill the portability form with the existing insurance details, including the name of the insured persons, and age, etc.
Fill up the proposal form with relevant details and submit the required documents along with it.
The requisite data will be furnished on the official portal of IRDAI.
The new insurance company will underwrite the proposal and inform the policyholder within 15 days.
Thanks to technological advancement, buying health insurance online has become as effortless as shopping over the internet. You can now find top-rated health covers from the comfort of your place.
The best part about the online availability of health insurance is the secure payment gateways. With easy-to-follow steps and trust-backed payment partners, CHIL offers you a seamless experience of buying health insurance online. Also, our digital portal enables you to make premium payments through a hassle-free digital payment gateway.
Here is a quick summary of the various steps you should follow for making online insurance payment:
Every medical policy terminates when the term for policy ends. Renewing a medical health insurance policy is crucial to ensure uninterrupted healthcare coverage and added advantages like no claim bonus, cover for a pre-existing ailment, etc. The option to renew health insurance online is available for the policyholders.
The process of renewing insurance involves the following steps:
>>List of All Health Insurance Articles
The way you buy new health policy online, you also have the facility to renew your health cover through the digital mode, thus saving much effort.
*Please read the policy T & C, brochure, and prospectus to know more about our health insurance plans cover as it may vary
# Feature available with Care Shield add-on
~ Feature available with Covid Care add-on
The amount of health insurance coverage you will need depends on your medical needs, age and health risks, the city you live in, and various other factors. Also, you must consider medical inflation and high treatment costs for your specific health condition before finalizing how much sum insured is enough for you and your loved ones.
At Care Health Insurance, medical health covers of 5 Lacs start from a premium as low as Rs. 358/month, subject to specific policy terms and conditions. A host of factors, including the sum insured, type of coverage, policy term, number of insured members, age of the insured members, pre-existing medical conditions, will impact the premium cost of a health insurance policy you have chosen.
Yes, you can get immediate coverage under a medical policies for any accidents or injuries. However, you can only avail of the policy's coverage for any illness-related hospitalization after a standard waiting period of 30 days from the day your policy becomes effective.
The earlier you get a health cover, the lesser the health cover premium you get to bear. While we are witnessing an unbearable hike in medical costs across India, there's a steep rise in lifestyle diseases. The premium costs of health plans increase with age. Besides, the chances of having a pre-existing health condition also increase as we grow older. A pre-existing ailment is a factor that can make you pay a higher premium. Thus, going for a health cover early in life is a wise decision.
Network hospitals are hospitals that are empanelled with us and provide you with cashless medical treatment. At CHIL, we have a network of over 16,500 cashless healthcare providers. You can get admission at any of these hospitals for cashless treatment by presenting your health card and submitting a pre-authorization form at the insurance desk. We will directly settle your hospital bills with the network hospital, subject to policy T&C.
However, those hospitals that do not come under our network are non-network hospitals where you cannot get the cashless facility. If you have opted for a non-network hospital, you can file for a reimbursement claim and submit the necessary documents. After our claim management team verifies your documents, we will reimburse your expenses, subject to policy T&C.
Every health policy comes with a waiting period clause. A waiting period is a pre-defined number of days you must wait before getting a claim for the specified medical expenses. There are three types of waiting periods:
Your health insurance will expire if you do not pay the premium by the policy period end date. However, even if you miss the premium due date, you will be allowed a grace period of 30 days immediately following the policy period end date to pay the renewal premium. The policy will not provide coverage during the period of unpaid premium.
Under a health insurance policy, policyholders are eligible for a No-Claim Bonus (NCB), a reward you receive for not claiming during a policy year. It is a bonus amount that becomes available as an increased sum insured for every claim-free year. Thus, it provides you with an added cushion to bear medical expenses in the future. At CHIL, we offer a 10 percent increase in your sum insured for a claim-free year. The NCB amount will not exceed 50% of the sum insured under any medical policy insurance. The accrued bonus is reduced by 10% if the insurer claims in a particular year.
Pre-existing diseases are the diseases, illnesses, injuries, or related conditions for which a medical practitioner diagnosed a person within 48 months before the effective date of a policy issued by the insurer or its reinstatement. Yes, Care health insurance policies cover pre-existing medical conditions but come with a waiting period to complete before claiming for the specified pre-existing illnesses.
With medical insurance from CHIL, you get a chance to increase your savings as you become eligible to get income tax benefits under Section 80D of the Income Tax Act. That is, you will be allowed to claim a tax deduction on your policy premium for which you have made a payment to us. You can claim the following deductions on your premium, depending on the coverage you have selected.
The sum insured refers to the maximum coverage amount or pay-out that an insurer will be liable to pay an insured in case of an unforeseen medical emergency or planned medical treatment. The sum insured is based on the principle of indemnity, where the insurer will cover the medical expenses one incurs up to the sum insured under the health plan. The claim amount that exceeds the sum insured will have to be borne by the insured person.
Yes. You can buy yourself multiple health insurance policies. If you have opted for more than one indemnity-based plan with other insurers or us, then you can opt for any of these plans to settle your claims, provided that the claim amount payable is up to the sum insured of the chosen policy. If the claim amount under a single policy exceeds the sum insured, you have the right to select the insurer to settle the claim. We will settle the medical expenses if you have opted for our plan, subject to the policy terms and conditions.
Yes, you can include aging parents in your health plan easily by informing the CHIL team. However, for elderly parents above 60 years, we recommend medical health insurance for senior citizens that will better meet their age-related healthcare needs.
Yes, CHIL's comprehensive healthcare insurance policies cover various expenses under advanced medical treatments, including robotic surgery and modern day care treatments. We offer cover for more than 541 day-care procedures.
Smoking is an unhealthy lifestyle habit that can severely damage vital organs in the body, including the lungs, brain, and heart. It can lead to lung cancer, stroke, and heart diseases, exposing people to grave health hazards. We may take this factor into account when assessing your health risks and calculating insurance premium rates.
Yes, an insured person is allowed a grace period of 30 days immediately following the policy period end date to pay the renewal premium for a Care health insurance policy. Timely premium payment is crucial to prevent the policy from getting lapse and ensure you get continued coverage.
Ideally, it would help if you went for separate comprehensive healthcare insurance besides the employer health plan. Merely relying on an employer's mediclaim or health plan is not wise, and there are a few valid reasons. Firstly, there's no tax benefit available under an employer health plan, while you get tax benefits under CHIL's medical covers. Also, your employer may select a lower sum-insured plan based on their bandwidth and budget; the corporate health cover may not fulfil your healthcare needs properly. A separate health plan will enable you to customize your policy and choose the preferred sum insured and optional benefits. This advantage may not be available in a corporate mediclaim policy.
Yes, you can include your children aged 5 years or above under an individual medical plan. For children under 5 years of age, you can include them in a family floater plan with other family members who are 18 years and above.
At CHIL, we offer multiple health covers with the OPD benefit as an optional cover for an additional premium. Under this benefit, the policyholder will get reimbursement for the OPD expenses, including OPD consultations, diagnostics, and medicines, up to a specified limit subject to T&C.
Pre-policy medical tests are usually required for older individuals, those with a pre-existing condition, or opted for a higher sum insured. However, it is best to go for a medical check-up when opting for a health policy to ensure hassle-free claim settlement.
You can increase the sum insured under your mediclaim plans at the time of policy renewal. Policyholders can increase the sum insured after specific medical tests and a revision of the claim history. But the sum insured cannot be increased further if the existing sum has already met the sum insured limit of your policy.
For a cashless claim, you need to submit the pre-authorization form at the hospital's TPA desk. Also, you need to present your health card and identity proof at the network hospital. In case of a reimbursement claim, submit the claim form and documents, such as identity proofs and hospital bills. The details required include name, contact information, policy number, past medical history, proposed line of treatment, duration of treatment, etc.
Yes, the claim may get rejected for several reasons like incorrect facts, non-disclosure of pre-existing conditions, claims under exclusions, etc.
##IBAI Claims Handbook for FY 19-20
^Annual premium for product 'Care' and 'Care Shield (add on)' is Rs. 6160/-(excl. GST) for 1 adult falling under the age bracket 05-24 years.
^^Number of Cashless Healthcare Providers till 25th March 2022.
**number of claims settled as on February, 2022
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