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Health insurance is a security cover wherein the insurer bears the insured person’s healthcare costs in exchange for regular premium payments. You can opt for our best health insurance plans on an individual or family floater basis.
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Health insurance is a type of insurance that pays for insured members' medical expenses due to accident, illness, or injury. It is an indemnity-based agreement under which the insurer promises to bear the hospitalisation costs, OPD charges, doctor’s fees, medications, and other medical bills concerning the insured. he importance of health insurance has shot up in the last few years due to the alarming spread of lifestyle diseases among people at all stages of life. Even a short trip to the hospital can quickly eat up your hard-earned savings in no time. In such a scenario, a health insurance policy can help you avoid a financial crisis.
Under the policy, the insurance company offers various sum insured options, which is the maximum amount the insurer would pay to the policyholder during a medical emergency. In return, the insured members promise to pay out a premium on a periodic basis.
Typically, there are two broad categories of health insurance:
Care Health Insurance is one of the best Indian health insurance companies in the country. We ascertain that you and your family members receive optimum healthcare coverage complemented with an affordable premium. Here are some of our best health insurance policies in India:
Look for best health plan that suits your need!
Health Insurance that Covers your Loved Ones
Health Insurance with Higher Sum Insured
Your Parents have always cared for you, Now its your TURN
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
A health insurance plan works like any other insurance policy wherein the insurer agrees to pay the insured person’s hospitalisation cost up to the sum insured.The primary role of health or medical insurance is to lower the financial burden of unexpected life events like illnesses, accidents, and ailments.Let’s understand with an example:
Vyas purchased individual health cover from Care Health Insurance with a sum insured of ₹50 lakhs. A few months later, while going to the office, Vyas met with an accident and got hospitalised. Preferring to avail of cashless benefit, Vyas chose one of the network hospitals in his vicinity. The hospital bill was ₹5 lakhs where Vyas only paid 5% of the bill (deductibles). The remaining ₹4.5 lakhs was paid by insurer.
If he wanted, Vyas could also choose to get medical treatment from a non-network hospital. Once the treatment was complete, he could raise a reimbursement claim to receive the admissible costs.
The way a health insurance plan works is simple– your health insurer provides financial support during medical emergencies in return for a regular premium payment. Yet, there’s more to a health policy than only the premium and sum insured, as shown here-
With over an 8% year-on-year increase in medicine prices, medical tests, and hospital charges across India, families have realised the importance of affordable health insurance while facing a healthcare crisis. Realising 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 are the top benefits of health insurance that make it an essential healthcare security cover:
As of now, the medical inflation rate in India is 14%, which makes healthcare costs skyrocketing. With our comprehensive healthcare insurance coverage, we’ve got your back.
Expenses at the hospital can be financially exhausting. Having hospitalisation cover is a great help. At Care Insurance, we secure you against pre and post-hospitalisation expenses, ambulance charges, day-care procedures, domiciliary care expenses, and so on.
Treatment cover for life-threatening conditions comes as a blessing, which is available as a separate cover. Care Critical Illness Insurance is such an example, which covers 32 critical illnesses like cancer, cardiomyopathy, paralysis, blindness, and so on. The insured receives a fixed-benefit sum insured if any of these 32 diseases are diagnosed.
Your corporate health insurance may not be sufficient for your family. At Care Health Insurance, we offer affordable plans that help you cope with expensive medical costs.
Over 22900+ cashless healthcare providers are available for a convenient billing experience at the hospital.
At Care, we do not want to add up more to your burden, so we aim to draft customisable plans at affordable rates. With a number of health plans to offer, like an individual, family, senior citizen, critical illnesses, etc., we aim to lower your medical expenses at competitive premium charges.
The premium you pay for your health insurance can be utilised to avail of tax benefits, under Section 80D of the Income Tax Act, 1961. For example, individuals below 60 can avail of tax deductions of up to ₹25,000.
*Note: Tax deduction on medical insurance premium is subject to rules and regulations of the Income Tax Act.
You should determine the ideal health plan for yourself and your family by evaluating the healthcare needs, age, and current health status of every member. To help you select the right health policies for every household member, we have created a scenario-based differentiation covering the different needs of individuals and families. Find out which scenario is most-relatable to you and secure yourself with our policy offerings-
Want to safeguard the health of your immediate and dependent family, including your spouse, children, and parents? Here’s a perfect choice: The policy covers your entire family’s medical needs with one comprehensive plan eliminating the struggle of maintaining several policies. With sum insured options up to ₹6 crores, the family plan offers the following features:● A Single and Affordable Premium Payout
Family Floater Insurance Policy
Young adults aged 35 years and below need a complete package of healthcare and financial security. To meet this need, you should choose our inflation-proof insurance: The policy comes with all-inclusive healthcare benefits that help keep young adults safe against medical crises. With a no co-payment clause and personal accident coverage, this health insurance policy offers the following benefits to early birds:● Available on Individual and Family Floater Basis
Youth Health Insurance Plan
Your parents and elders need special care when they turn 60 and above. If you are looking for adequate coverage for your elders to enjoy a stress-free and financially secured retirement, here’s your go-to choice: The senior citizen health cover supports older people in paying hefty medical expenses due to old age-related ailments. Available to both individual and floater basis, the policy holds the following unique features:● No Pre-policy Medical Check-ups*
Senior Citizen Health Insurance Plan
The treatment of cancer, lung disease, and other critical ailments can completely wash away your savings. So, if you are anticipating any chronic conditions among your family, do check our: The policy offers a shield against the medical treatment expenses of 32 critical ailments, like stroke, paralysis, organ transplant, etc. with the following benefits:● Mediclaim Policy with Low Premium & Optimum Coverage
Critical Illness Insurance
At Care Health Insurance, we aim at serving customers beyond basic health insurance services. We offer enhanced medical insurance 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 hospitalisation, day-care treatment, and annual health check-ups, among others.
Here are some of the features that make us one of the best health insurance companies in India:
At Care Insurance, we strive to provide our customers with some of the best health plans with wider coverage. Along with in-patient expenses, pre and post-hospitalisation, domiciliary hospitalisation, and organ donation, we also cover AYUSH treatment to ensure our customers choose the medical treatments of their choice through our long list of the best health insurance policies in India.
We offer affordable premiums for all our health insurance plans. You can easily customise a plan as per your needs and pay the premium accordingly. To get an idea of the investment you’ll have to make, you can make use of the health insurance premium calculator.
There is no limit to your health insurance customisation. We believe in the different preferences of different customers and so you get an array of health plan options. Be it for individuals, family, your parents, an expecting mother, or critical illnesses like cancer, you get to choose from a number of available options.
If you want to insure your family, you can consider Care Health insurance plans such as Care Family Health Insurance, Senior Citizen health insurance, Care advantage with sum insured up to Rs 6 crores etc. Comprehensive coverage with a high sum insured can help you meet the medical needs of your whole family under one plan. Pick a plan that best suits your health needs.
Cashless benefit has further made health insurance a hassle-free experience. In order to avail of cashless claims, one has to receive medical treatment from one of the network hospitals. Care Insurance has 22900+ cashless healthcare providers with 9747+ network hospitals. Hence, it is very easy to avail cashless benefit during a hospitalisation.
With the introduction of both online and offline claim filing options, the claim procedure has become quite easier. We understand the value of quick claim approval, and so, within a short span of time, the claims are approved and settled.
You may have several queries regarding your health insurance policy, and visiting a nearby office may not always be possible. Fret not, we got your back! With our live chat feature and quick customer care support, you can clear out all your doubts in no time.
On the website, you can easily spot the live chat feature or get a call back from our executive to resolve your query. Alternatively, you can reach us at our toll-free number 1800-102-4499 for sales and +91 88604 02452 for service-related queries. You can also receive policy updates on WhatsApp as well.
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:
Thus, a health insurance policy is a vital protection shield to buy for oneself and the family's financial security against unexpected medical crises.
With Care Insurance, you get some of India's best health insurance plans designed to meet our customers' diverse medical needs. Below are all the types of health coverage that we offer:
As the name suggests, it is for individuals, primarily young-aged people with no medical condition to enjoy long-term healthcare security. This individual health insurance policy assures the entire sum insured solely for covering the insured individual's medical expenses. It also covers various other costs, including pre and post-hospitalisation expenses, maternity benefits, and much more. These plans are often a little more expensive than family floater plans as there is no sharing of the sum insured; each individual has their own coverage.
Under family floater health insurance, you can cover a maximum of 6 family members in one policy against a single sum insured. This policy is to safeguard the health of your entire family. Also, you can add multiple nominees to this plan. The premium amount in family floater plans is comparatively lower than individual plans, as the sum insured is shared among all the members under the plan. It covers the medical expenses for hospitalisation and treatment during an emergency or planned admission.
A common myth about health insurance is that there are not many options for seniors. This is absolutely incorrect. Senior citizen health insurance plans are aimed at offering specialised healthcare services suited for the elderly who have crossed 60 years of age. They can offer financial assistance to senior citizens who don’t have a fixed income. Under a senior citizen healthcare insurance plan, older people can also avail of services such as cashless hospitalisation, home and day-care cover, AYUSH treatment, COVID care, etc. It is the best way to give your old parents a healthy and peaceful life after retirement.
Motherhood is the most crucial phase in a woman's life. Although the journey is challenging, a sound medical policy ensures relaxed hospital coverage throughout pregnancy.If you are planning to get married or start a family in the near future, you should opt for maternity insurance in advance. It covers your pregnancy-related expenses related to normal delivery, caesarean, pre and postnatal, post-delivery care, and vaccination. Maternity insurance ensures premium medical facilities at affordable rates for the mother and her newborn.Buying it at the right time would help you serve the waiting period and thus make the most of the coverage.
Pre-existing diseases are the illnesses one may suffer from before they purchase a health plan. With age, our elderly family members often suffer from specific medical conditions like diabetes, hypertension, or high BMI. At Care Health Insurance, we offer medical insurance plans that cover pre-existing conditions, too with a reduced waiting period. These healthcare plans come with special features like daycare treatments, home care, annual health check-ups, and more to care for people with diabetes, high B.P., and BMI.
Incidences of life-threatening diseases are increasing in India at an alarming rate. Critical illnesses such as cancer, stroke, heart ailments, and organ failure can eat away your savings in the blink of an eye. Insurance for critical conditions covers the treatment of all these diseases. It mitigates your hospitalisation expenses along with medication up to the sum insured. Most critical illness plans are fixed benefit plans where a defined payout is made at the time of diagnosis of the listed disease. The money can be used to pay for the treatment or for meeting any other financial requirements.
While most of our health insurance plans have standard eligibility criteria, you can check the desired policy for any specific conditions, like co-payment and waiting period,etc:
|Minimum Entry Age||Individual- 5 years | Floater- 91 days with at least 1 insured person of age 18 years or above|
|Maximum Exit Age||Lifelong for Adults|
|Tenure Options||1/2/3 Years|
|Cover Types||Individual and Family Floater basis|
|Waiting Period||30 days for illnesses, except injury | 24 months for named ailments | 48 months for pre-existing diseases|
|Grace Period||30 days to renew your policy post expiry|
Insurance for medical expenses provides you with comprehensive financial protection in the time of urgent need by covering various medical expenses apart from the bills you incur during hospitalisation. The coverage provided is subject to the policy terms and conditions. The expenses covered in in health insurance policies are:
Stay safe amid the looming COVID-19 pandemic with the coverage of standard COVID-19 hospitalisation and medication expenses as per policy terms.
We cover your expenses like room rent, ICU charges, doctor’s fees, etc., during any planned or emergency hospitalisation up to the sum insured.
Pre-Hospitalization Medical Expenses
We cover your medical expenses like doctor’s consultation, medical tests, & medication up to 60 days before admission to a hospital.
Advanced Medical Treatments
Access advanced medical care and get coverage for modern treatments, including robotic surgeries, chemotherapies, etc., with our health insurance plans in india.
The everyday expenses during hospitalisation can be considerable! Our health insurance plans 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 180 days immediately after discharge from the hospital.
Need to take care of elderly members at home? We offer domiciliary hospitalisation expenses to ensure uninterrupted medical coverage as per terms.
Now treat your ailments with a combination of modern and traditional treatments. Our AYUSH coverage helps you avail of alternative treatment.
The best medical insurance plans also give maternity benefits as an optional cover for delivery-related expenses. Also, 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.
Exclusions of a health insurance plan refer to the medical conditions that are not covered. It means that the insurer is not obliged to pay for such medical conditions. You cannot raise any claims for the following standard exclusions under health plans:
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
Whether you are filing for a cashless or reimbursement claim process, some paperwork would be required. Typically, in the case of a cashless claim, the documentation is minimal, and most of the formalities would be completed by the TPA. The reimbursement claim procedure would require you to submit all the paperwork so that there is no delay in verification. It is suggested that you keep the following documents handy to ensure a smooth and quick claim settlement process:
The best part about the online availability of health covers is the secure payment gateways. With easy-to-follow steps and trust-backed payment partners, we offer you a seamless experience of buying online health insurance. Also, our digital portal enables you to make premium payments through a hassle-free digital payment gateway.
Here is a quick 6-step guide you should follow for making online insurance payments:
With our digitally-enhanced portal, it is now easier to buy online health insurance. All you need to do is simply select your preferred health cover, fill up the details, and pay through secure transaction modes. Here’s why and how we ensure customer-friendly purchase a medical insurance plan online:
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 your 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 customised healthcare insurance for your family members.The ability to choose your desired health coverage and optional benefits helps us serve you the best mediclaim policies.
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.This way, we help you get an instant mediclaim policy in less than an hour.
What we promise on paper is what you get 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, and reduced wait time for pre-existing diseases, among others, to cover your specific needs.
Every medical policy terminates when the term for policy ends. That’s why renewing a mediclaim is crucial to ensure uninterrupted healthcare coverage and added advantages like no claim bonus, coverage for a pre-existing ailment, etc. The process of renewing insurance involves the following steps:
The way you buy health policy online, you also have the facility to renew your health plan through the digital mode, thus saving much effort.
We adhere to the underwriting process and consider many factors on which your insurance premium will depend. Listed below are some determining factors:
You can now calculate the premium using a simple digital calculator designed especially for medical policies. 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:
We offer 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 mediclaim insurance policy.
Yes, health insurance policies by Care Insurance provide standard coverage for COVID-19 treatment expenses across the network of hospitals.It helps individuals and families safeguard themselves from the constant risk of COVID-19 treatment costs. Our medical policies cover the standard hospitalization expenses related to COVID-19 infection contracted by any insured member. To deliver the best health insurance policy, we promise quick and quality COVID-19 treatment across our network of hospitals and health centres.Also, policyholders can enhance their health insurance plans by opting for additional COVID-related benefits, like COVID Care and COVID Care with OPD, as offered under specific policy terms.
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 choosing the right plan can be an overwhelming task.
To understand which is the best medical insurance in India, you must study the scheme for the following advantages:
Under healthcare plans, the insured is any individual or family trying to get sufficient financial help during medical emergencies. However, there's more to the process and terms of medical insurance than this. So, let's understand the nuts and bolts of medical insurance policies in India so you make a well-informed decision:
First of all, you need to consider your medical condition before opting for a suitable medical insurance 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 to land on the best health insurance plan.
Suppose you are a family man, aged 40, considering a medical cover for yourself, your wife (aged 35), 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 healthcare scheme covering all major health risks and treatments.
Generally paid monthly, the 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 are a standard clause across insurance policies that indicate 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 hospitalisation claim. Thus, deductibles and co-payment are stepping stones to reap the benefit of your healthcare insurance finally.
Taking timely precautions is the need of the hour, especially under the current pandemic's constant health risks. Under preventive care, mediclaim policies cover COVID treatment, annual health check-ups, general OPD visits, diagnosis, medical tests, consultations, etc., done to analyse any severe health patterns beforehand. By paying the premium, you can avail of preventive care benefits under your medical insurance plan.
Unfortunately, if you or a family member needs emergency hospitalisation, you should reach the nearest network hospital. At network hospitals, you get a cashless billing facility along with other discounts on pharmacy and other non-medical expenses. Cashless hospitalisation saves you from paying hefty medical bills from your pocket as the insurance provider settles the claim directly with the hospital.
Your health insurance 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 the reimbursement process. 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
There are more than one reasons to port your policy to Care Health Insurance. As an insured person, we promise you unique benefits with lifelong renewability under most of our health insurance plans. 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 insurance policy to another policy with the same insurance company.
Here is a step-by-step guide to port your health insurance scheme and get covered under Care Health Insurance plans:
Duly fill the portability form with the existing insurance details, including the name of the insured person, their 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.
Voice Of Customer
My appreciation for your prompt service
We will continue to avail of your scheme
Everything went very smooth
Soubhagya K Kulkarni
Really helpful explaining the process in advance
Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.
Awarded as Best
Health Insurance Company of the year^
38 Lakh+ Claims Settled*
CASHLESS HEALTHCARE PROVIDERS^^
^India Insurance Summit & Awards 2023
The amount of 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 the treatment costs for your specific health condition before deciding how much sum insured is enough for you and your loved ones.
At Care Health Insurance, a 5-lakh medical cover starts with a premium as low as Rs. 358/month, subject to specific policy terms and conditions. Factors like the sum insured, type of coverage, policy term, count and age of insured members, and their pre-existing medical conditions, impact the chosen health plan’s premium cost.
Yes, you can get immediate coverage under medical policies for any accidents or injuries. However, you can only avail of the policy's coverage for any illness-related hospitalisation 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 premium you get to bear. 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– resulting in an increased premium. Thus, going for a health cover early in life is a wise decision.
Network hospitals are empanelled with a health insurer and provide you with cashless medical treatment. Here, you can present your health card to avail of a cashless hospitalisation facility and the insurer will directly settle the claim with the hospital. Whereas, non-network hospitals are not empanelled with the insurer and thus require reimbursement claim filing.
A waiting period is a pre-defined number of days you must wait before raising a claim under a standard health insurance plan. There are three types of waiting periods, namely– an initial waiting period of 30 days, a waiting period for pre-existing diseases, and a waiting period for specified ailments/ treatments.
Your health plan 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.
A no-Claim Bonus (NCB) that is given to the policyholder for not raising any claim during a policy year. It is a bonus amount that becomes available as an increased sum insured for every 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% in the next policy year, if the insurer claims in a policy year.
Pre-existing diseases are illnesses, injuries, or related conditions for which a medical practitioner diagnosed a person within 48 months before the effective date of policy issuance by the insurer or its reinstatement. Yes, Care Health Insurance policies cover pre-existing medical conditions but come with a waiting period as per the chosen policy.
With our medical insurance, 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.
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 claim amount that exceeds the sum insured will have to be borne by the insured person.
Yes, you can buy yourself multiple health 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.
Yes, you can include ageing parents in your health insurance plan easily by informing us during renewal. However, for elderly parents above 60 years, we recommend medical insurance for senior citizens that will better meet their age-related healthcare needs.
Insurers consider the habit of smoking as a factor when assessing your health risks and calculating insurance premium rates. Generally, smokers need to bear a higher premium for any health cover, given that smoking makes people more vulnerable to chronic diseases and other health hazards.
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 insurance policy. You can the premium within the grace period to renew the benefits of your medical health insurane policy.
Yes, it is wiser always to have separate healthcare insurance besides the employer health plan because the corporate plan does not offer extensive coverage, no tax benefits, and customisable features. Thus, it is better to protect your finances and health with a separate cover that meets all your healthcare needs effectively.
Yes, you can include your children aged 5 years or above under an individual health 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.
Yes, our Yes, our specialised health insurance plans cover various expenses under advanced medical treatments, including robotic surgery and modern-day care treatments. We offer cover for more than 541 daycare procedures.
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 insurance plan to ensure hassle-free claim settlement.
You can increase the sum insured of your health plan at the time of policy renewal. The same can be done 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. Under 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, your health insurance claim may get rejected for several reasons, like incorrect facts, non-disclosure of pre-existing conditions, claims under exclusions, etc.
Yes. Under our Maternity Health Insurance plan, the expenses of an expecting mother and the newborn baby (up to 90 days) are covered. Expenses for daycare treatment, in-patient costs, expenses on pre and post-hospitalisation, room charges, etc. are covered.
Yes. Alternative treatment like AYUSH (Ayurveda, Yoga, Unani, Siddha, and Homeopathy) is included in most of the Care Insurance plans.
Yes. There are various ways in which you can enjoy a relatively cheaper health insurance premium. It depends on factors like who you are insuring, your location, credit score, past claim history, no claim bonus, any on-going discount/offer, higher deductibles, policy term etc.
*Please read the policy T & C, brochure, and prospectus to know more about our medical plans cover as it may vary.
# Feature available with Care Shield add-on
**Number of Claims Settled as of 31st May 2023
^10% discount is applicable for a 3-year policy
~~Premium calculated for an individual (Age 18) for sum insured 5 Lakhs in Zone 2 cities with Care Supreme Policy.
^^ Number of Cashless Healthcare Providers as of 30th June 2023
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