₹15 Lakh Health Insurance Plan

Additional Covers for Rs 15 Lakh Insurance Coverage

Add-ons are optional benefits that a policyholder can select by paying an extra premium when purchasing or renewing a health insurance policy.

• Annual Health Check-up: This add-on provides a policyholder with a cashless health check-up of listed tests (e.g., CBC, urine, uric acid, FBS) once per year.
• Wellness Benefit: Achieve a target of 10,000 steps daily for at least 270 days annually and receive a 30% discount on your renewal premium.
• Claim Shield: Expenses for 68 non-payable items listed in Annexure I (List-1) are covered up to the sum insured, including gloves, masks, sanitisers, syringes, and diapers.
• Care OPD: The insured receives a maximum reimbursement of ₹500 per consultation for up to four general physician visits and four specialist visits from a list of 14 specified specialists.
• Instant Cover: The waiting period for Asthma, BP, Cholesterol, and Diabetes (ABCD) is reduced from 36 months to 30 days, subject to specific terms and conditions.
• PED Wait Period Modification: This add-on reduces the waiting period for pre-existing diseases from 36 months to 24 or 12 months, depending on the plan.. 
• Air Ambulance Cover: The insured is entitled to a specified amount for transportation from the incident location to the hospital. Transportation between hospitals is also covered, provided the doctor specifies the severity of the ailment.

Who Needs a ₹15 Lakh Health Insurance Plan? 

A ₹15 lakh insurance scheme is typically suited for families and senior citizens seeking comprehensive coverage for major healthcare expenses.

• People with pre-existing conditions may need to see a doctor frequently, requiring higher coverage.
• Families with multiple dependent members need higher coverage to accommodate medical expenses.
• High-income individuals seeking top-tier healthcare may need this scheme, as the premium for ₹15 lakh health insurance is higher than for policies with a lower sum insured (SI).
• Residents of metropolitan cities need high coverage to cover costly treatments, surgeries and hospitalisations.
• Senior citizens would need this plan for financial coverage for frequent medical check-ups and treatments.

Eligibility & Documents for ₹15 Lakh Health Insurance 

Individuals must meet specific criteria to purchase a ₹15 lakh health insurance plan. The following guidelines and documents are required for a smooth application process:

• Age Limit: Individuals must be 18 to purchase this health insurance plan. Some plans cover children for 91 days under a family floater policy. Coverage for senior citizens is also available, though medical screening may be required. 
• Pre-existing Conditions: Pre-existing medical conditions are typically covered after a 36-month waiting period, depending on the plan terms.
• Family Coverage: This plan covers the policyholder, spouse, and children under a single sum insured.

Documents Required:

• Identity Proof: Aadhaar card, passport, driving licence, and voter ID are required documents.   
• Age Proof: Birth certificate, school leaving certificate, or passport are required.
• Address Proof: Utility bill (e.g., electricity, water bill), or passport.
• Photographs: Recent passport-sized photographs.
• Medical Reports: Medical reports or a health check-up may be required. 

Inclusions And Permanent Exclusions in ₹15 Lakh Health Insurance Policy

Inclusions

• Hospitalisation Costs: Room rent, ICU fees, doctor's and surgeon’s fees, surgical procedures, and more are covered.
• Pre & Post Hospitalisation: Any medical expenses before 60 days of hospitalisation, such as diagnostic tests, medicines, etc and 90/180 days after discharge (as per the plan) are covered.
• Daycare Procedures: Surgeries and treatments that don’t require 24-hour hospitalisation are covered.
• Ambulance Cover: Emergency medical transportation of the insured is covered.
• Domiciliary Hospitalisation: Coverage of treatment taken at home under a doctor’s supervision for at least 72 hours of hospitalisation when the patient is in immovable condition.
• Advanced Technology Methods: Hospitalisation expenses incurred using advanced technology, such as robotic surgeries, deep brain stimulation, balloon sinuplasty, IONM, and more, are covered.

Permanent Exclusions:

• Cosmetic surgeries and dental treatments
• Self-inflicted injuries and alcohol/substance abuse
• Miscarriage
• Suicide attempt
• Adventurous activities

Calculating Premium of an INR 15 Lakh Health Insurance Plan

Premium Factors: The factors that affect the premium amount are given below-

• Insured's Age: Premiums rise as older individuals face a higher risk of health issues.
• Medical History & Pre-existing Conditions: Due to increased risk, applicants with pre-existing conditions may face higher premiums or exclusions.
• Lifestyle Habits: Smoking or excessive alcohol consumption raises health risks, prompting insurers to adjust premiums.
• Coverage Add-ons: Additional benefits, like maternity or critical illness riders, increase premium costs.
• Geographical Location: Premiums are influenced by regional healthcare costs, with urban areas generally having higher expenses.

How Does Rs 15 Lakh Health Insurance Plan Work?

Choosing the best health insurance plan, buying it, and filing a claim are the steps followed. Read in detail below-

• Select: If you want to buy a health insurance plan with a sum insured of Rs 15 lakh, you may also want to choose add-ons as per your requirements. For example,  Annual Health Checkups, Claim Shield, Instant Cover, Wellness Benefit, etc.
• Purchase: Your premium will be calculated based on your chosen benefits and add-ons. Buy the insurance plan and pay the premium for the first year or a maximum of three years.
• Seek Medical Treatment: In case of any hospitalisation or other medical emergency, you may receive medical care from a healthcare provider.
• File a Claim: To submit a claim, upload the required documents to claim for a cashless or reimbursement process. 
• Claim Settlement: We will review your claim to determine settlement per policy terms and conditions.

How to Calculate Your Premium?

To get a quote for your premium, follow these steps-

Step 1: On the homepage- www.careinsurance.com, enter your mobile phone number and click ‘Get a Quote.’

Step 2: To calculate the premium, enter your mobile number again.

Step 3: Select the family members you want to cover and click Continue.

Step 4: Enter the age of the individuals to be insured.

Step 5: Enter your city’s pin code.

Step 6: You will get the quotation of premium according to family members covered and city.

How to Buy ₹15 Lakh Health Insurance Online? 

In continuation to the above steps, select the add-ons you need and enter your personal details to buy a Rs 15 lakh health insurance plan. Fill-

• Customer KYC details
• Proposer details
• Make the payment

Choose-

• Care Supreme for 7X coverage of the Sum Insured.
• Ultimate Care for Premium Payback and Infinity Bonus
• Care Classic for coverage of Assisted Reproductive Technology (IVF, etc.)

Why Choose Care Health for ₹15 Lakh Health Insurance?

Care Health Insurance has covered 7 crore+ lives under inception. We offer health insurance services to:

• Corporate employees
• Individual customers
• Financial inclusion

Our Key focus: Consumer-centric approach, leveraging technology for:

• Product innovation
• Value-for-money services
• Enhanced customer service

Product offerings:

• Health Insurance
• Critical Illness
• Personal Accident
• Top-up Coverage
• International Travel Insurance
• Maternity
• Group Health Insurance and Group Personal Accident Insurance for corporate

Get Your ₹15 Lakh Health Insurance Today!

Get ₹15 Lakh Health Insurance today to protect yourself and your loved ones. Enjoy comprehensive coverage for emergencies and routine care with easy, instant policy issuance and secure payment options. Trusted by thousands, we offer the protection you need for a healthier future.

Secure Your Health Today, Coverage in an Instant!