Save tax up to ₹75,000~ u/s 80D
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.
Reasons to Choose Care Health Insurance?
Money Back
Unlimited Automatic Recharge
Infinity Bonus
Unlimited E-consultation
Care Health Insurance offers a health insurance for heart patients that offers comprehensive coverage to people with cardiac ailments or someone who has undergone a Cardiac surgery or medical procedure related to the heart. Care Heart reflects our commitment to offering access to Quality Healthcare to people suffering from pre-existing cardiac ailments/disorders and who have undergone cardiac surgery/procedures. So, the best mediclaim for heart patients, like Care Heart will help you in the long run and provide lifelong renewability.
Heart ailments may cause health discomforts and even pinch your pocket! Thus, Care Heart is designed to meet the criteria for the best health insurance for heart patients. The plan offers comprehensive coverage through the following features:
The rising demand for Health Insurance can be attributed to the efforts of the new-age insurers to expand insurance accessibility, enhancing simplicity and transparency. And this has led to the adoption of disruptive technologies
Read moreThe rising demand for Health Insurance can be attributed to the efforts of the new-age insurers to expand insurance accessibility, enhancing simplicity and transparency. And this has led to the adoption of disruptive technologies
Read moreThe rising demand for Health Insurance can be attributed to the efforts of the new-age insurers to expand insurance accessibility, enhancing simplicity and transparency. And this has led to the adoption of disruptive technologies
Read moreThe rising demand for Health Insurance can be attributed to the efforts of the new-age insurers to expand insurance accessibility, enhancing simplicity and transparency. And this has led to the adoption of disruptive technologies
Read more
Ideal for families looking for capless coverage
Health insurance for domestic and global coverage up to 6 crore
Your parents have always cared for you, now its your TURN
Health Insurance for listed pre-existing diseases
Embrace Motherhood With No Financial Worries
Boost Your Existing Health Cover With Super Top Up Plan
Health Insurance that Covers Pre-existing Heart Ailments
Take your pick from the options below, so you can be better prepared for your trip to a foreign country. Take your pick from the options below, so you can be better prepared for your trip to a foreign countryTake your pick from the options below, so you can be better prepared for your trip to a foreign country.
Here is a quick 6-step guide you should follow for making online insurance payments:
Given below are some of the most effective ways to reduce your health insurance premium:
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Every medical policy terminates when the term for the 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:
By buying a health policy online, you can also renew your health plan digitally, thus saving much effort.
At Care Health Insurance, we aim to serve customers beyond basic health insurance services. We offer enhanced medical insurance policies with valuable features to meet the diverse medical needs of people across the country.
At our core, we're not just about health insurance; we're dedicated to exceeding expectations and making the best possible healthcare facilities within everyone’s reach.
Care health insurance plans offer a diverse range of sum insured, starting from ₹3 lakhs 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. It's a spectrum of possibilities tailored to meet your unique healthcare needs.
At Care Insurance, we strive to provide our customers with 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 and modern technology treatments to ensure our customers choose the medical treatments of their choice through our long list of health insurance policies in India.
Take a look at the features of our comprehensive health insurance plans that make us one of the best health insurance companies in India.
Our health insurance premiums are designed to align with your budget while offering the desired coverage. Using our health insurance premium calculator, you can understand how much you pay for what benefit and how it will help.
We believe in empowering you with choices so you get an array of health plan options. Be it for individuals, families, your parents, an expecting mother, or critical illnesses like cancer or a pre-existing disease, you get to choose from several available options.
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 24800+ cashless healthcare providers with 11400+ network hospitals. Hence, it is very easy to avail cashless benefits during a hospitalisation.
With the introduction of both online and offline claim filing options, the claim procedure has become quite easy. We understand the value of quick claim approval, so we approve and settle the claims within a short span of time.
You may have several queries regarding your health insurance plan, and visiting a nearby office may not always be possible. Fret not; we’ve 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 callback 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.
Health Insurance plans from Care Health Insurance come with different add-on benefits that help you customise premiums and/or expand your coverage. Listed below are a few add-ons that our customers love the most.
While most of our health insurance plans have standard eligibility criteria, you can check the desired policy for specific conditions, like co-payments, waiting periods, etc.
Tabulated below are the eligibility criteria to purchase health insurance plans from Care Health Insurance:
| 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 | 36 months for pre-existing diseases |
| Grace Period | 30 days to renew your policy post expiry |
The key to your family’s well being is planning your finances for a secure future. While savings are important to us, we look for ways to splurge on things we desire once in a while – whether dining out with family or going on a shopping spree. However, in our pursuit of happiness, let us not forget that health remains a priority above everything else, especially in this pandemic. Besides, we stare at a future when the burden of diseases like cancer and diabetes will increase manifold.
Moreover, medical inflation will touch astronomically high numbers that can impact our financial stability in the light of medical emergencies. The only solution that can come to the rescue is an investment in health insurance. More importantly, securing your health is now much more affordable than paying your other household expenses.
Watch this video that explains how getting comprehensive health insurance with up to Rs 6 crore sum insured is possible at a low monthly premium so that you can be Atmanirbhar!
Getting health insurance early in life will protect you in the most crucial times in life. Healthcare is increasingly becoming expensive in India. Thus, it’s time you choose a health cover with higher coverage, which is absolutely essential for your financial safety. Good health is the key to happiness; however, rising medical inflation and treatment cost signal the need for higher health insurance cover. No one can deny the fact that medical emergencies are unpredictable. Illnesses or injuries can put your life off-balance. Thankfully, due to medical advancements, a cure is now possible even for serious health problems. Certain medical procedures can cost lakhs of rupees and become a cause of concern. Expensive medical treatment can damage life savings, which is why opting for the Best Health Insurance Policy with adequate coverage is a must.
Care Advantage enables you to avail of quality medical treatment when you need it, in a quick and convenient manner. It offers you sum insured options for 6 to 1 Crore, Rs 25 Lakh, and Rs 50 Lakh that will safeguard the well-being of your loved ones, as you can access the best medical treatment without any stressing over hefty medical bills. There are also a host of benefits you can avail to help you lead a healthier life and stay worry-free about finances. You can choose an individual cover or a family floater for 1 Crore, 50L, 25L or maximum 6 Crore.
At Care Health Insurance, we aim to provide optimum healthcare coverage complemented with an affordable premium. Choose from some of the best-selling health insurance plans at Care Health Insurance:
Take your pick from the options below, so you can be better prepared for your trip to a foreign country
A while back I needed to count the amount of letters that a piece of text in an email template had (to avoid passing any character limits). Unfortunately, I could not think of a quick way to do so on my macbook and I therefore turned to the Internet. There were a couple of tools o
Read more about their experience
A while back I needed to count the amount of letters that a piece of text in an email template had (to avoid passing any character limits). Unfortunately, I could not think of a quick way to do so on my macbook and I therefore turned to the Internet. There were a couple of tools o
Read more about their experience A while back I needed to count the amount of letters that a piece of text in an email template had (to avoid passing any character limits). Unfortunately, I could not think of a quick way to do so on my macbook and I therefore turned to the Internet. There were a couple of tools o
Read more about their experienceCare Health Insurance offers the best health insurance plans for medical expenses, which provide comprehensive financial protection in times of urgency 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 health insurance policies are:
The best medical insurance plans also offer maternity benefits as an optional cover for delivery-related expenses. Various add-ons are available at an additional premium, including OPD Care, which covers expenses such as OPD consultations, diagnostics, and medicines.
Disclaimer: For more details on product coverage, please check our product pages and policy documents.
At Care Health Insurance, we want all our customers to be well-informed before purchasing a health insurance policy. Therefore, we urge you to review the policy documents within the free lookup period to avoid last-minute rejections of claims. Mentioned below are the common exclusions of a health insurance plan that you opt from Care Health Insurance:
STEP 1
Emergency
Intimate within 24 hours of your hospitalization
Planned Hospitalization
Intimate us 48 hours prior to your hospitalization
STEP 2
Cashless
Request for pre-authorization
Reimbursement
Claim form submission
Complete the pre-authorization form available
at the hospitals' insurance/TPA Desk and send us through fax.
Approval
Approval letter sent by the claim management team
Query
Hospital/Insured to respond to the query raised by the claim management team
Rejected
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
Approval letter sent by the claim management team
Query
Insured to respond to the query raised by the claim management team
Rejected
We will communicate the reason in case of rejection
Some paperwork would be required to file a claim. 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 there is no verification delay. It is suggested that you keep the following documents handy to ensure a smooth and quick claim settlement process:
Care Health Insurance strives to make quality health care accessible to everyone while maintaining a quick and hassle-free claim experience. The Care Health Customer App is an integrated app for all your health insurance needs. You can use this app for claim intimation, fill out a claim form online, upload the necessary claim documents, and track your claim status. Given below is the step-by-step process to file claim intimation using ‘Claim Genie’:
You can also track the status of the claim, just click on the ‘Claim Tracking’ option on the homepage. The list of active claims will be presented on the screen. Click on “Track Claim” on the relevant claim. The latest claim status will then be displayed on top of the screen. This app can also be used to download the query/settlement letter or approval letter.
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 insurance 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.
You know by now that your health insurance premium is not a random number but a thoughtful calculation based on unique facts. Our underwriting process ensures a personalised touch, from your health history to lifestyle choices. However, some easy tips and tricks can help you reduce your health insurance premium without cutting back on the coverage.
Age is the primary factor that influences the cost of your premium. With your age, your premium amount also rises because you become prone to critical health issues in your old age. In contrast to this, the young age is generally considered to be risk-free. Therefore, you can purchase health insurance at a lower premium amount when you are young.
Instead of opting for an expensive health insurance plan, you can play it smart and opt for the right add-ons. These add-ons are designed to cater to your health needs per your pocket. With the right add-ons, you can get guaranteed medical coverage in need.
Your health insurance plan can offer tax benefits based on your premium. You can maximise your tax deductions by paying a premium for your parents above 60. Get in touch with an expert to understand how you can avail tax benefits with your health insurance benefit.
When you start exploring health insurance plans, you will get several options to lure you. But you should not opt for that plan, which requires you to bend backwards. Choose a plan that you can afford comfortably.
You can choose the high amount of deductibles and co-payments to reduce the burden of premiums on your shoulders. Deductibles and co-payments are fixed amounts the insured must pay before availing of coverage benefits. While this will minimise your premium, remember that it will increase your share in claim settlement. Therefore, you should consider this option carefully.
Another way to reduce your health insurance premium is to choose a policy with a longer tenure. This can give you the benefit of concessions on the premium amount.
The simplest way to keep the premium under control is to follow a good lifestyle. If you are suffering from pre-existing diseases while buying a health insurance policy, the amount of your premium will also rise. Hence, it is vital to avoid alcohol, cigarettes, and caffeine, as they can pose the threat of serious health issues. Furthermore, you should incorporate nutritious food, a good amount of water intake and regular exercise into your daily routine.
Before deciding on the right mediclaim policy, it is important to compare multiple plans from different insurers. Different insurers offer coverage options with different premium costs. This makes it imperative to compare and research multiple policies and consider factors like customer reviews, coverage, and network hospitals. This way, you can ensure you purchase the perfect policy at reasonable rates.
As per the Insurance Regulatory and Development Authority of India (IRDAI), health insurance companies should mandatorily offer coverage for standard treatment of COVID-19 infections if the insured is affected by the infection and has to get hospitalised for the treatment.
The global pandemic outbreak has compelled people to opt for exhaustive health insurance plans that cover global health issues as well. Therefore, Care Health Insurance offers coverage for COVID-19 Infections per the policy terms & conditions.
To choose the best medical insurance in India, you must consider the below-mentioned advantages:
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 the best health insurance plans in India completely online. Also, our digital portal enables you to effortlessly make premium payments through a hassle-free digital payment gateway. Welcome to the future of hassle-free health coverage with Care Health Insurance!
Here is a quick 6-step guide you should follow for making online insurance payments:
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:
By buying a health policy online, you can also renew your health plan digitally, thus saving much effort.
Embrace the ease of securing your health online, with our digitally-enhanced portal. All you need to do is simply select your preferred health cover plans, 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:
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. No appointment is required.
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 fortress-like secure payment gateways offer various digitally secure 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. Our commitment to transparency knows no bounds!
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.
The offline method of buying mediclaim policies usually result in increased costs due to numerous factors like agent fees. Insurance agents get a commission for selling mediclaim policies , which increase the cost of the policy. Purchasing a health insurance plan online can help eliminate overhead expenses. Further, some insurance companies also offer an additional discount when you purchase plans using their online platform.
Health insurance is vital to financial planning, yet various misconceptions surround it. Let us examine the most common health insurance myths and help you understand what is a myth and what is not.
It is a common myth that only seniors require health insurance to cover the medical expenses of age-related issues. Among younger people aged >50 years, the incidence of cardiovascular disease has been rising due to their poor lifestyle, deficiency of nutrients, and lack of exercise for calorie burn. Therefore, health insurance plans are vital for everyone. If you buy it at an early age, you won’t have to pay an expensive premium. You will be able to buy it at cheaper premium. health insurance plans may come with a waiting period against specified ailments. Thus, insuring your health and wealth is a wise choice to make at an early age.
While your coverage will start as soon as you buy a health insurance plan, you must first serve a waiting period. This is a 30-day period when a claim cannot be raised except for an accidental injury. When you buy a health insurance policy, you should enquire about your policy’s waiting period. For instance, coverage of certain treatments may require you to wait for a specified waiting period.
Absolutely not! While the cheapest policy sure looks attractive, you should carefully think about why you want this plan and what benefits you expect from your plan. You should never make the prices the only criteria for choosing the plan. You might not be able to get the required benefits from your plan if it is cheap. Therefore, make sure that the plan that you have been buying is offering you comprehensive coverage for all your medical expenses.
Having a pre-existing illness doesn’t make you ineligible to make a claim. Your insurer may ask you to serve a specific notice period before being eligible for the coverage, or you may ask for an additional premium or both.
Did you know? Health insurance plans such as Care Supreme even offer add-on benefits to reduce your Pre-existing disease waiting period for specified ailments!
Simply put, if you secure your pre-existing health condition with Care Supreme, you may reduce your waiting period by paying a slightly higher premium!
While it is a great perk to have corporate health insurance, you should not entirely depend on it. In most cases, a group plan will offer you limited coverage because its premium is deposited by your employer. You may lose all the accrued bonuses and other benefits when you change or leave your job. Furthermore, group health insurance might not be able to beat medical inflation. With a modest sum insured, you won’t be able to cover the medical expenses for critical illness and hospitalisation. Hence, consider buying an individual health insurance plan over and above the group coverage.
Despite a comprehensive plan, not all your bills will be covered by your insurer. Read the policy wording, and understand its terms and conditions. You need to know about exclusions, which are conditions that are not covered under your health insurance plan. Similarly, you should know about the co-payment clause of your insurer where you need to bear a part of the claim amount. Additionally, you can’t claim the uncovered expenses.
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 medical insurance 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:
Step 1
On the home page of Care Health select the “port existing policy” option and follow the premium calculation journey.
Step 2
Fill up the proposal form and the portability 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 you within 15 days.
When you port a health insurance policy to a new insurance provider, the aim is to get better services and coverage. Keeping in mind the following aspects will help you in a seamless transition.
Before switching to a new health insurer, it is vital to inform the current insurer. You should write an application for this purpose. You can make this request to your insurer at least 45 days before your policy’s expiry date. Also, keep in mind that you should avoid making this request before 60 days of the renewal. Let’s understand how to make the portability permission request. You should write an application in which you have to mention the name of your new insurer and other personal and details. Once you apply, your application will be reviewed and you will receive an acknowledgement within 3 business days.
When you decide to port your health insurance policy to a new insurer, you should enquire about the premium. You should check whether its premium will increase or decline on porting. The change in premium indicates the changes in your coverage or benefits. So, gather this information before you finalise the porting.
If you are thinking of switching to a new insurer to enhance coverage or benefits, you should check for the available add-ons. You can buy the add-ons of your current insurer to avail of the extended benefits.
You should understand the waiting period cycle before you port to a new insurer. Simply put, the waiting period is divided into three parts.
Hiding your medical history when you make a porting request to the new insurer can be a mistake. Your new insurer may or may not make you undergo a medical test. In case you have been suffering from any chronic illness or severe comorbidities, your porting request may be rejected. Because in such medical cases, the threat of hospitalisation and the frequent visits to check-ups or treatment always persists.
Obviously, you have decided to port to a new insurer because you are optimistic about new benefits there. Hence, you should try to choose a higher sum insured when you port.
Before you decide to port your mediclaim policies to a new insurer, it might be a good idea to be aware of a few metrics. You should always check for details like discounts being offered, any consumer complaints, company’s empanelled network healthcare providers and the claim settlement ratio. It might also help to check the ratings on the company’s social media handles to understand the overall customer experience.
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Health Insurance
We will continue to avail of your scheme
Samanway Barik
Health Insurance
Everything went very smooth
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Health Insurance
Really helpful explaining the process in advance
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Health Insurance
A while back I needed to count the amount of letters that a piece of text in an email template had (to avoid passing any character limits). Unfortunately, I could not think of a quick way to do so on my macbook and I therefore turned to the Internet. There were a couple of tools o There were a couple
India Insurance Summit & Awards 2024 India Insurance Summit
India Insurance Summit & Awards 2024 India Insurance Summit
India Insurance Summit & Awards 2024 India Insurance Summit
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.
While purchasing a mediclaim insurance policy, you will require a few important documents to complete the process. Some of the documents required include ID proof, age proof, income proof documents, age proof, photographs, and relevant medical records.
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.
Medical insurance portability can help you switch a health insurance plan without having to go through a new waiting period. Once you have finished the waiting period in your previous plan, you do not have to serve it again.
You can make multiple insurance claims during the policy term, provided that it remains within the sum insured limit.
Domiciliary hospitalisation is a situation in which the insured receives treatment at home either because the doctor has declared that they cannot be admitted to the hospital, or there is a non-availability of rooms at the hospital.
Yes, foreigners who are living in India can buy a medical insurance policy in India.
Typically you will have to inform the insurance company about your hospitalisation. Submit the claim form and all the stamped and verified documents within the stipulated timeline. Once the claim is verified, it will be settled within 2-3 weeks.
Generally, any type of treatment taken overseas is not covered. However, you can opt for a global coverage option if you wish to continue treatment abroad.
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. Neglecting your mediclaim insurance premium is like playing a risky game. Letting the due date slide means your coverage will leave you without the magical safety net promised in your policy. So, try not to let your health plan expire.
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.
#Tax benefit is subject to changes in tax laws. Standard T&C Apply.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
**Number of Claims Settled as of 31st March 2024
^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 31st March 2024
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