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Health Insurance

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.

  • Premium Discount on Multi Year Policy*
  • 19000+ Cashless Healthcare Providers^^
  • Tax savings upto 75000* under section 80D
  • Reliable Claim Settlement with Over 30 lakhs Claims Settled**
  • Hassle-Free Experience with 95.2% Claim Settlement Ratio##
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    Secure a Healthy Future with Care Health Insurance Plans

    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.

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    What is Health Insurance?

    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.

    How Does Health Insurance Work?

    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-

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    • 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.

    Types of Health Insurance

    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-

    • Individual Health Insurance: 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 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-hospitalization expenses, maternity benefits, and much more.
    • Family Floater Health Insurance: Under family floater, 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 amount of premium in family floater plans is comparatively lower than individual plans. It covers the medical expenses for hospitalization and treatment during an emergency or planned admission.
    • Senior Citizen Health Insurance: This is an old age-special policy for people who have crossed 60 years of age and are called senior citizens. It offers financial assistance to senior citizens who are living retired lives and have no fixed income. Under a senior citizen healthcare insurance plan, older people can also avail of cashless hospitalization, 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.
    • Maternity Insurance Plans: Motherhood is the most crucial phase in a woman's life. Although the journey is challenging, sound medical health insurance ensures relaxed hospital coverage throughout pregnancy. If you are starting a family, 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 new-born.
    • Health Insurance for Pre-existing Diseases: With age, our elderly family members often suffer from specific medical conditions like diabetes, hypertension, or high BMI. At CHIL, we offer medical covers for pre-existing conditions. These healthcare plans come with special features like day-care treatments, home care, annual health check-ups, and more to care for people with diabetes, high B.P., and BMI.
    • Critical Illness Plans: 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 an eye blink. Insurance for critical conditions covers the treatment of all these diseases. It mitigates your hospitalization expenses along with medication up to the sum insured. It is an affordable indemnity-based product that comes with lifelong renewability.

    Click to know more about Covid Coverage in our Indemnity Plans

    Compare Our Best Care Health Insurance Plans in India


    Look for best health plan that suits your need!

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    Health Insurance for Family

    Health Insurance that Covers your Loved Ones

    • Annual Health Checkup & Save Tax 
    • Modern Treatments Coverage
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    Health Insurance for Senior Citizens

    Your Parents have always cared for you, Now its your TURN

    • No Pre-policy medical check-up
    • *Annual Health check-up for all insured persons
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    Heart Health Insurance

    Health Insurance that Covers Pre-existing Heart Ailments

    • 541+ Day Care Treatments
    • AYUSH Coverage
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    Pre-Existing Diseases Cover

    Health Insurance for Diabetes, High BMI and Hypertension

    • Dialysis Cover 
    • Day Care Treatments
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    Maternity Health Plan

    Maternity Insurance Plan with Newborn Baby Cover

    • Newborn Baby Cover up to the first 90 days
    • Pre & Post Hospitalization Cover
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    Super Top up Health Plan

    Boost Your Existing Health Cover With Super Top Up Plan

    • Financial Cushion for Medical Emergencies
    • Support for Critical Diseases
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    1 Crore Health Plan

    Health Insurance with Higher Sum Insured

    • Upto 50% No Claim Bonus
    • Individual or Floater Option

    Benefits of Buying Medical Policy

    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.

    How to Choose the Best Health Insurance Plans in India?

    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:

    Benefits of Buying Health Insurance Online
    • Verify Eligibility: Often, health policies come with entry age restrictions. With Care Health Insurance, you face minimum age restrictions with a minimum entry age of 91 days on a floater basis and get lifelong renewability.
    • Ensure Maximum Coverage: Most of our healthcare plans provide pre and post-hospitalization expenses, diagnosis expenses, treatment, medication, organ donor cover, and annual health check-ups.
    • Look for Affordable Premium: A budget-friendly premium is always on your mind while buying medical policy. At CHIL's digital portal, you can utilize the health insurance calculator to estimate the premium rates by customizing the covers and sum insured as per your needs.
    • Check Exclusions: Check the exclusions list carefully before choosing a health insurance policy. There are certain pre-defined conditions under which you cannot make a claim. So, go for the cover that offers maximum coverage with minimal exclusions.
    • Understand the Co-Payment Clause: Before investing in insurance for medical needs, it's advisable to check the co-payment clause. Co-pay in health insurance refers to a specified percentage of the claim amount that needs to be borne by the insured person.
    • Select Wide Cashless Network Hospitals: Easy access to our empanelled network hospitals provides you with cashless treatment in the least time. Ensure a wide-spread cashless hospital network, and don't forget to look for well-renowned hospitals in your vicinity.
    • Bid for Higher Claim Settlement Ratio: Claim Settlement Ratio proves the company's reliability to settle claims. We promise the highest claim settlement ratio at CHIL with 95.2% CSR (F.Y. 19-20).

    5 Reasons to Buy Medical Insurance Plans Online

    • Convenient Policy Selection

      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.

    • Chat Option for Queries

      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.

    • Instant Premium Quote Calculation

      We facilitate digital premium calculators to help you evaluate and opt for customized healthcare insurance for your family members.

    • Secure Payment Modes

      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.

    • Transparent Policy Evaluation

      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.

    • Readily Available Value Added Services

      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.

    Care Health Insurance Policies: Useful Tax-Saving Opportunities


    Save Tax On Health Insurance

    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:

    • You can claim tax deductions up to INR 25,000 under health insurance covering yourself and your family.
    • Under a family cover, including your parents aged 60 years or less, you can claim up to INR 50,000 under tax benefit.
    • Avail additional deduction up to INR 50,000 under the mediclaim for either of your senior citizen parents.
    • The insurance premium paid only via banking channels like debit/credit cards, net banking, or other online payment modes is considered for a deduction. You are not eligible for getting tax deductions via cash payments of premium.
    • Premium payments are considered for a financial year. If you purchase a family floater policy, the premium paid towards the health insurance for yourself, your spouse, dependent children are eligible for deduction.

    >>Also Read

    Why Do You Need a Medical Insurance Policy?

    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.

    What is Covered under Care Health Insurance Plans?

    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:


    Coronavirus Treatment

    Stay safe in this time of COVID-19 pandemic as health insurance covers specific expenses for coronavirus treatment.


    In-Patient Hospitalization

    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.


    Daily Allowance

    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.


    Domiciliary Hospitalization

    Some health plans offer this benefit where the domiciliary care medical expenses are covered up to a specified period.


    AYUSH Treatments

    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.

    Exclusions under CHIL's Health Policies

    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:

    • Expenses attributable to use/misuse/abuse of alcohol or drug
    • Any treatment or medical expenses incurred  within 30 days of policy period start date, except accidents
    • Medical treatment related to congenital diseases
    • Expenses incurred due to self-inflicted injury, suicide, or attempted suicide
    • Treatment arising from or traceable to miscarriage and abortion

    Which Health Plan is Perfect for You?

    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-

    Scenario 1: You have dependent family members at home

    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.

    Scenario 2: Your family members need different medical covers

    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.

    Scenario 3: You have elderly parents to look after

    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.

    Scenario 4: You or your loved one suffers from pre-existing ailments

    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.

    Scenario 5: You need protection against critical illnesses

    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.

    Understanding Health Insurance Premium

    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.

    Factors Affecting Health Insurance Premium

    We adhere to the underwriting process and consider many factors on which your health insurance premium will depend. Listed below are some determining factors-

    • Age Factor: The risks of illnesses go up as we age, so the premium will cost you more as you grow older since there are health risks to consider.
    • Pre-existing Conditions: Premium costs are high if one has any pre-existing medical condition, such as hypertension, asthma, and diabetes, when buying a health cover.
    • Body Mass Index: A high BMI indicates that a person may have higher health risks; thus, one is likely to spend more on the premium.
    • Lifestyle: Some risky lifestyle habits, including tobacco consumption, drinking, and smoking, can lead to a high premium.

    How To Calculate Health Insurance Premium

    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.

    Claim Settlement Process Under Health Insurance

    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.

    Referred claim settlement ratio - Money Control

    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.

    STEP  1



    Intimate within 24 hours of your hospitalization


    Planned Hospitalization

    Intimate us 48 hours prior to your hospitalization


    STEP   2



    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

    Health Insurance Portability

    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.

    How to Port a Medical Insurance Policy?

    Here is a step-by-step guide you can refer to port your health insurance policy and get covered under Care health insurance plans:


    Step 1

    Duly fill the portability form with the existing insurance details, including the name of the insured persons, and age, etc.


    Step 2

    Fill up the proposal form with relevant details and submit the required documents along with it.


    Step 3

    The requisite data will be furnished on the official portal of IRDAI.


    Step 4

    The new insurance company will underwrite the proposal and inform the policyholder within 15 days.


    Everything about Online Health Insurance Payments

    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:

    1. Visit our website and select a health policy.
    2. Click on ‘Get Quote’ and provide relevant details
    3. Enter the required information and customise your policy
    4. You will be redirected to the payment section
    5. Make payment through any secure digital payment modes
    6. You will get the new health policy documents on your registered email-id

    How to Renew Medical Policy Online

    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:

    1. Visit our official website for health insurance policy renewal
    2. Go to the renew section
    3. Enter the complete details, such as policy number, contact number, etc.
    4. Under the payment section, pay the renewal premium through any secure payment mode

    >>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

    FAQs on Health Insurance

    Q. How much health insurance coverage do I need?

    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.

    Q. How much does health insurance cost?

    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.

    Q. Can I buy medical insurance and use it immediately?

    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.

    Q. What is the right age to invest in Health Insurance?

    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.

    Q. What do you mean by network and non-network hospitals?

    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.

    Q. What is Waiting Period in Health Insurance?

    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:

    • An initial waiting period of 30 days
    • A waiting period for pre-existing diseases
    • A waiting period for specified ailments/ treatments

    Q. What happens if I don't pay my mediclaim insurance premium?

    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.

    Q. How does no claim bonus work in a healthcare insurance policy?

    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.

    Q. What are the pre-existing diseases? Will my health policy cover the same?

    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.

    Q. How can I get tax benefits from medical covers?

    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.

    Q. What does the sum insured mean under a mediclaim policy?

    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.

    Q. Can I have multiple health insurance plans in India?

    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.

    Q. Can I add my aging parents to my medical policy?

    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.

    Q. Does health policies cover robotic surgery & modern treatments?

    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.

    Q. How does smoking affect insurance premium for health covers?

    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.

    Q. Is there a grace period for renewal?

    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.

    Q. I'm covered under a corporate group policy. Do I still need a separate health cover?

    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.

    Q. Can I take medical policy for my 5 years old kid?

    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.

    Q. Do health plans cover OPD expenses?

    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.

    Q. Are medical tests mandatory while buying health and medical insurance?

    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.

    Q. How can I increase the sum insured for my medical insurance?

    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.

    Q. What are the details required for making a claim?

    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.

    Q. Can my claim get rejected? If yes, under what conditions?

    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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