Save tax up to ₹75,000~ u/s 80D
Save tax up to ₹75,000~ u/s 80D
Medical bills in India are rising 2x faster than the average income. If you want to find the top Mediclaim policy in India, start with the benefits that matter: comprehensive coverage, a vast network of cashless hospitals, affordability, and easy claims support. Explore Care Health Insurance mediclaim policies and stay covered throughout.
Reasons to Choose Care Health Insurance?
Family Coverage
Domiciliary Hospitalisation
A medical policy is a health insurance plan that covers costs related to illness, surgery, or accidents. It provides financial protection by covering hospital stays, treatments, and other medical services up to the insured amount. Mediclaim policies typically cover room charges, doctors' fees, diagnostic tests, pre- and post-hospitalisation expenses, and ambulance charges, subject to the policy's terms and conditions.
Policyholders can access these benefits either through cashless treatment, where the insurance company pays the hospital directly, or through reimbursement, where they pay the bills upfront and later claim the expenses from the insurer.
Choosing the right Mediclaim policy is essential for protecting your health and finances during medical emergencies. Below are the benefits of purchasing a Mediclaim policy from Care Health Insurance:
A mediclaim insurance policy provides quality healthcare without financial stress. Here are the key benefits of the mediclaim policies:
Health Insurance Coverage for 32 Critical Illnesses
Cover for Treatment of Cancer at all Stages
Coverage for wide array of defined surgeries
Health Insurance Covering 16 Major Health Aliments
Mediclaim policy in India has various types to meet the diverse needs of individuals, families, and organisations. Here's a breakdown of the main types of mediclaim policies:
Care Super Mediclaim policy comes with four variants: Critical Illness, Cancer, Heart, and Operation Mediclaim. The key features of these mediclaim policies include:
| Features | Critical Illness | Care Cancer Mediclaim | Heart Mediclaim | Operation Mediclaim |
|---|---|---|---|---|
| In-Patient Hospitalisation | Up to Sum Insured | |||
| Day Care Treatment | Up to Sum Insured | |||
| Room Rent Eligibility | Single Pvt. Room (for 10 Lacs SI) & All Categories (for SI >= 25 Lakh) | |||
| ICU Charges | No Limit | |||
| Pre-Hospitalisation | 30 Days, Up to SI | |||
| Post-Hospitalisation | 60 Days, Up to SI | |||
| Chemotherapy and Radiotherapy Cover | Up to SI | Not Available | ||
| Dialysis Cover | Up to SI | Not Available | ||
| Ambulance Cover | Up to 3,000 per hospitalisation | |||
| Organ Donor Cover | Up to Sum Insured or 15 Lakh, whichever is lower | |||
| AYUSH Treatment | Up to Sum Insured | |||
| Second Opinion | Once per Covered Condition per policy year | |||
| Annual Health Check-up | Annually, from the 2nd Policy year on, continuous coverage | |||
| No Claim Bonus | Up to 100% of SI | |||
| Quick Recovery Counselling | Up to 1000/- per session; Maximum 8 sessions Post Hospitalisation | |||
| Doctor On Call | Yes (Telephonic/Online) | |||
| Global Coverage | Up to Sum Insured (for SI>=1 Crore) | |||
| OPD Expenses | 1% of Sum Insured; Max. up to 25,000 | Not Available | ||
| International Second Opinion* | Once per Covered Condition per policy year (for SI>=50 Lakh) | |||
| Air Ambulance* | Up to 5 Lakh for SI >=50 Lakh | |||
Disclaimer: The information above is for reference only. Please read the T&C of the policy thoroughly. Also, the * marked benefits are optional.
A mediclaim insurance policy offers economic solace during clinical crises, including many other coverage options, such as:
Even though the mediclaim policy offers medical expenses or hospitalisation costs coverage, some exclusions are involved, such as:
Mediclaim and health insurance appear similar, but they offer different types of medical coverage. Knowing the difference can help you choose the perfect plan for your healthcare needs.
| Aspect | Mediclaim Policy | Health Insurance Policy |
|---|---|---|
| Definition | Covers clinical expenses, including hospitalisation and surgery. | Provides comprehensive healthcare coverage, including hospitalisation, preventive care, OPD visits, wellness benefits, and more. |
| Sum Insured | Provides a fixed sum insured, typically less than needed, that may not cover medical expenses. | Higher sum-insured options are available for comprehensive coverage. |
| Premium | Compared to health insurance, premiums are lower. | Premiums are higher due to comprehensive coverage. |
| Pre-existing diseases | It involves a waiting period before covering medical expenses for pre-existing diseases. | It also includes waiting periods; however, it offers add-ons to reduce them for early coverage. |
| Who Should Buy | Suitable for individuals seeking basic hospitalisation cover for particular chronic conditions. | Ideal for individuals and families seeking complete health protection. |
| Renewability | Renewable for a lifetime with a restricted increase in coverage. | Lifelong renewal with various options to enhance health insurance coverage and benefits. |
Choosing the best mediclaim policy can be complex due to the several options available. Here are the steps one must follow:
Purchasing a mediclaim policy with us is a simple process. Follow these simple steps to get our mediclaim policy online hassle-free:
Purchasing a mediclaim policy online can be a smooth process if you know what is required. Here’s a list of documents you may need when buying mediclaim insurance online.
| Proof | Eligible Documents |
|---|---|
| ID Proof | Aadhaar card, voter ID, driving license, or passport |
| Address Proof | Aadhaar card, passport, driving license, voter ID, etc. |
| Financial Statement | Bank statement or other proof of income |
| Medical Reports | Required for Senior Citizens or those with pre-existing conditions. |
| Claim Type | Process Types |
|---|---|
| Cashless | Getting admission to a network hospital
|
| Reimbursement |
|
Care Health Insurance offers comprehensive mediclaim policies to ensure your health is well-protected when you need it. It provides flexible, reasonable plans tailored to your healthcare needs. Here's why Care health insurance is the best option for a Mediclaim policy:
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Read moreLook for hospitals around you
You can buy a mediclaim policy either online or offline. You will have to choose a company first. Your chosen company should be based on premium, cashless network and other benefits. One can also buy a Mediclaim policy by visiting the nearest branch of the chosen insurance provider.
You can port the mediclaim insurance only at the stage of policy renewal. Intimation for porting is required 45 days before renewal. Inform your last insurer in writing for a porting, mentioning the name of the new insurer. Fill up our portability form with existing insurance details, submit the relevant documents, and make payment for mediclaim health insurance.
Note: NCB will not reduce if the claim amount exceeds 25% of SI under the add-on Care Shield. For details, refer to policy T&C.
Yes, you can modify the sum insured in the mediclaim policy; that shall be permissible only at the time of policy renewal. However, it can affect your premium amount. So, reading through the mediclaim policy details is important to understand better.
No, you cannot add and remove family members in your current mediclaim policy for the family. You can do it only at the time of policy renewal.
Accepting change in DOB is solely Care's discretion and may affect your premium. Therefore, providing the right birth date and other details when purchasing the mediclaim policy is advisable.
You can renew your mediclaim policy online and offline both, within the grace period of 30 days.
The minimum entry age to buy a mediclaim policy is 91 days to 4 years (with at least one insured member of 18 years of age or above) and 5 years on an individual basis, and the maximum entry age has no age bar, with lifelong renewability.
Yes, mediclaims cover accidents as well. However, you need to buy it as an optional benefit. Under this, you will get an additional sum insured for accidental hospitalisation.
Our various mediclaim policies and operation mediclaim cover dental treatment subject to policy terms and conditions.
Mediclaim insurance is recommended for everyone, especially in this age of rising medical inflation and increasing lifestyle diseases. It is a must for those who depend on their corporate health insurance and do not have a separate health cover. Anyone 18 years of age or above can purchase a mediclaim insurance policy for themselves or their loved ones.
Yes, you can buy mediclaim policy online while visiting our official website.
Yes, you will get coverage for alternative treatments like AYUSH.
Our indemnity-based products offer hospitalisation coverage for COVID-19. Do refer to the terms and conditions for more details.
A Cashless Mediclaim is an advantage offered by most healthcare providers. Under a cashless Mediclaim, medical bills are directly settled by the insurance company, provided the total bill amount falls within the assured limit, and the hospital is a network hospital. Thus, it is always important to buy the best cashless mediclaim policy.
The Floater mediclaim policy is a tailor-made plan for families. It is almost similar to individual health insurance, but the only difference is that mediclaim health insurance for families acts as an umbrella to cover your entire family.
Yes, you can port your mediclaim policy. You must approach the insurance provider where you wish to port your existing health insurance policy. The company will hand you documents, including your portability and proposal forms.
Mediclaim is a type of insurance that covers only hospitalisation-related expenses up to the sum insured, whereas Health insurance is a type of insurance that provides comprehensive coverage for medical costs and surgical expenses beyond more than hospitalisation.
In the mediclaim insurance claim process, the policyholder must avail of the coverage under a set of rules. At Care Health Insurance, we follow procedures to settle the claim. For a hassle-free claim settlement, you must inform our customer support team about your hospitalisation within 24 hours of emergency hospitalisation and 48 hours of planned hospitalisation.
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Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly. Do refer IRDAI guidelines for tax exemption conditions.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
**Number of Claims Settled as of Dec'24
^^Number of Cashless Healthcare Providers till Feb 2025
^10% discount is applicable for a 3-year policy
*Premium calculated for an individual (Age 18) for sum insured 10 Lakhs
Terms & Conditions of Premium Quote Generation
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