The world without a worry !
So, you can focus on your studies, and you'll only bring back happy memories
They say, travelling makes you a storyteller. We ensure your employees only have happy stories to share. Give them the comfort of Group Explore our Travel Insurance on their next work-trip both International or Domestic.
With CHI as your insurer, its truly Health ki Guarantee!
Freedom to get Health Insurance without worrying about your current health status
Get enhanced coverage for greater protection
A perfect blend of hospitalization & maternity insurance
Along with Maternity & Newborn coverage, Joy offers you a number of thoughtfully designed features & Services that give you several advantages at most critical of time. Two plans available- Joy Today and Joy tomorrow.
A Comprehensive Health Insurance plan that not only covers heart ailments but offers much more
* At the discretion of Underwriting. **Up to 25% of Sum Insured.
A Comprehensive Health Insurance plan for Life’s golden years.
*At the discretion of underwriter.
^Tax Benefits under the policy will be as per the prevailing Income Tax laws and are subject to amendments from time to time.
For tax related queries, contact your independent tax advisor. As per section 80D of Income Tax Act, an Adult (aged between 18 & 60 years) can save tax on a premium of upto Rs. 25,000 and his/her senior citizen parent/s (aged 60 years & above) can save tax on a premium of upto Rs.50,000.
**For 5 consecutive claims free years by using No Claim Bonus & No Claim Bonus Super (Optional Cover ).
Incremental increase every year is applicable on base Sum Insured. If a claim is made in any particular year accrued NCB or NCB super will be reduced at same rate at which it is accrued.
In line with our objective of ensuring good health…hamesha! Our Comprehensive Health Insurance Plan – Group Care; helps safeguard the most important asset for you i.e. your employees / Customer, against financial risks arising out of a medical emergency.
A comprehensive Health Insurance that covers all major types of Cancers on a lifelong basis and offers affordable EMIs.
Health Insurance cover specifically designed to cover 16 major Heart ailments that comes with option to pay in Easy EMIs
Unlike most other plans this plan offers lifelong coverage for 32 critical illnesses
Health Insurance that covers expenses related to defined Surgical procedures
Truly Comprehensive Personal Accident cover with broad range of features, add-on benefits, hassle free procedures & thoughtful services
Journey of life is not smooth and some things cannot be predicted for such as an unfortunate accident. That’s why your employees/customers need Group Secure – Personal Accident Insurance so that life’s big or small surprises never pull you down.
Please visit Self Help Portal for changing your contact details such as Address, Email ID and Mobile number as well as for placing request online for Policy documents and tracking your Request status.
Managing your Care Health Insurance policy is now App Solutely Simple with our all new mobile app. Available on both Google Play Store & iOS. To download – click on Icon
To Make a request please Click here
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Managing your Care Health Insurance policy is now App Solutely Simple with our all new mobile app. Available on both Google Play Store & iOS. To download
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IRDAI Rules for Pre-Existing Diseases Cover
93%
Claim Settlement Ratio (OND 2018)
7800 +
Network Hospitals across 500 cities
400 Lacs+
Lives covered
Health is wealth, indeed. However, it faces many risks due to several factors - right from lifestyle to family history – giving rise to ailments. Keeping a regular check on health is the best way to keep diseases at bay. Nevertheless, a medical emergency is among the uncertainties for which we must be financially prepared. Investing in health insurance gives you a shield that will prevent your savings from draining out during unforeseen events like a planned surgery or emergency hospitalization. However, those with pre-existing diseases (PED) need to be aware of the crucial fact that one cannot get coverage under health insurance for pre-existing diseases right from day one. There is a waiting period in health insurance plans, a specified time the insured must wait before getting a claim for such ailments.
However, they can rest assured that they can get coverage under the best health insurance policy once the waiting period is over. Let us discuss the pre-existing conditions and things to keep in mind when selecting health insurance with pre-existing disease cover.
Pre-existing conditions in health insurance refer to any health problem, such as an illness, injury, or other medical conditions, that the insured was facing within 48 months before the date the policy was issued. Some common examples of PED include diabetes, hypertension, thyroid, COPD, cancer, and sleep apnea.
According to a circular issued in February 2020, the definition of "health insurance pre-existing conditions" was changed and modified.
Let's read about health insurance pre-existing diseases, the new amendment by IRDAI, and how it is beneficial for policyholders having a pre-existing disease.
Below is the difference between the old and the new definition of pre-existing diseases:
Old Definition of Pre-Existing Diseases |
New Definition of Pre-Existing Diseases |
That was diagnosed by any physician within 48 months, before the effective date of the policy issuance. |
That was diagnosed by any physician within 48 months, before the effective date of the policy issuance. |
Any medical condition for which medical advice or any treatment was received from any physician within a 48-month duration prior to the effective date of the policy or its reinstatement. |
Any medical condition for which medical advice or treatment was recommended, or received from, a physician within a 48-month duration prior to the effective date of the policy issued by the insurer or its reinstatement. |
Any condition for which symptoms/ signs if presented and have resulted within three months of the policy issuance in a diagnostic illness or medical condition. |
According to the amendment, this clause has been deleted. |
Therefore, according to the new amendment, no disease or illness shall be considered as a pre-existing disease if diagnosed within three months from the date of buying the policy.
Note: However, the modification in health insurance pre-existing conditions is not applicable to travel insurance.
The IRDAI guidelines will benefit a policyholder in the following ways:
Health insurance has now become a necessity. Earlier, it was difficult for people with pre-existing conditions to get complete coverage as there were chances of claim rejection or an increase in the waiting period. The IRDAI guidelines are beneficial for people who could not afford the on-going treatment of their pre-existing disease and had to face claim rejection. After the amendment, even if they are diagnosed with such chronic diseases after buying a policy, they will get a claim, subject to policy terms and conditions.
Trusted brands like Care Health Insurance (formerly Religare Health Insurance) offer cashless health insurance plans to people with pre-existing diseases so that they can avail the best possible treatment without worrying about arranging money to pay the hospital bills.
You can get a health insurance cover even if you have a pre-existing medical condition without worrying whether the insurer will reject your proposal. However, keeping some facts in mind will keep you well-informed and help you get the best health insurance for pre-existing disease:
It is in your best interest if you go for a health insurance policy at a young age so that the possibility of having any pre-existing condition is low. If you have a pre-existing ailment, you must wait through the applicable waiting period to avail the coverage when any illness develops.
The diseases, injury, and other medical conditions that existed before the policy issuance are known as pre-existing conditions. These are diagnosed by any physician within 48 months, before the effective date of the policy issuance.
You can get a policy even if you have a pre-existing medical condition. However, underwriting of claims for pre-existing diseases is subject to policy terms and conditions.
Yes, your health plan has a pre-existing condition waiting period. However, you can choose a reduction in the waiting period add-on cover. The waiting period will be reduced from 48 months to 24 months , subject to policy terms and conditions.
It is of utmost importance to furnish complete details about your medical history, including any pre-existing disease, when buying health insurance. If you were aware of your pre-existing ailment but do not disclose it to the insurer, you are most likely to face a claim rejection if you get hospitalized for treating the condition. It is so because there is a waiting period applicable for pre-existing ailments, and the policyholder cannot get a claim during this period.
There is no impact on the amount of coverage one can get for a pre-existing ailment. However, there is a waiting period the policyholder must wait before getting the claim. Also, a pre-existing disease in health insurance is a factor that will impact the cost of your premium. The premium will be higher for those who have a pre-existing ailment or a medical condition.
If your parents have a pre-existing medical condition, there are a few things that you need to consider before you pick the right health cover.
Walk-in to the nearest Axis Bank branch to pay your Renewal Premium conveniently via Cheque/Demand Draft. Please ensure to keep the following in mind while opting for the same:
Please visit during banking hours and ask for ‘Easy Pay’ service counters at Axis Bank branch to deposit your premium.
Please mention your Policy(s)number and Contact number on the reverse of cheque. Instrument should be in favour of "Religare Health Insurance Company Limited"
Make sure to collect the acknowledgement slip before leaving bank’s service counter for any future correspondence.
Postdated/ Outstation/ Third Party cheques are not allowed.
Please ensure the cheque amount is equal to the amount mentioned in renewal invite.
It is advisable to carry a copy of Renewal invite while visiting to Axis Bank branch.
Please ensure to deposit the cheque at least 7 Days prior to the due date. Instrument deposition is not allowed after the policy expiry date.
In case of any modifications in the policy details at the time of renewal, please contact our
branch and do not deposit the cheque in Axis Bank Branch.
Contact respective ‘Axis Bank branch manager’ in case of any difficulty/issue/clarification related to deposition of renewal premium. You may further contact our Customer Service team at 1800-102-4488/1800-102-6655
Add family members to be insured
Terms & Conditions of Premium Quote Generation
"Care Health Insurance Ltd (formerly known as Religare Health Insurance Company Limited) & associate partners may contact you to assist you with website navigation of www.careinsurance.com and assist in proposal filling."