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Care - Family Health Insurance

Care- a family health insurance plan fulfilling the healthcare needs of you and your loved ones with all the protection under one roof.

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Get Comprehensive Protection with Family Health Insurance

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Reasons to Choose Care Health Insurance?

  • Healthcare Networks
    22900+ Cashless Healthcare Providers^^
  • Claim settled ratio
    38 Lakh+Insurance Claims Settled**
  • Claim settled
    24*7Claim and Customer Support
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What is Care - Health Insurance Plan for Family?

Care is a family health insurance plan that safeguards you and your family against financial risks arising from a medical emergency with one single premium. With 'Care' by your side, you can be assured that you or any insured members get unified protection while unwell. We take up all the hassles related to your treatment cost so that you can stay worry-free and focus only on your recovery.

The sum insured in the policy serves as a pool of funds for everyone to use. Any insured family member may use the sum insured in whole or in part to pay for hospitalisation and other medical expenses. You also have the flexibility to add new members as and when you wish as per family expansion.

Plan Highlights of Care Family Health Insurance

  • Minimum entry age 91 days with at least one insured member’s age 18 years or above
  • No upper limit on maximum entry age
  • Family-specific policy where other members can be added
  • Age of the proposer should be 18 years or above
  • Option to avail personal accident cover
  • Deductible applicable as per policy terms and condition

Cover Highlights

Health Check-Up

Annual health
check-up

Robotic surgery

Robotic surgery

Emergency-Ambulance

Emergency Ambulance

Hospitalization

hospitalization
(more or less than 24 hrs)

Post-Hospitalization

Post-hospitalization
Expenses

Features of Care Family Health Insurance

You can easily choose the best family floater health insurance plan in India, regardless of the size of the family or the age of the elder member in the family. Here are the features and benefits that make buying the best family health insurance plans in India worthwhile:

See all Sum Insured Options arrow close

KEY FEATURES ₹5L / 7L / 10L ₹15L/ 20L/ 25L/ 30L/ 40L ₹50L/ 60L/ 75L ₹1Cr/ 2Cr/ 3Cr/ 6Cr
Pre-hospitalization
Covers the relevant medical expenses such as investigative tests, routine medication, etc. incurred by you up to 30 days before your hospitalization.
30 Days 30 Days 30 Days 30 Days
Post-hospitalization
Refers to medical expenses incurred on doctor’s consultation fee, prescribed diagnostics and prescribed medicines 30 days before date of admission and 60 days after date of discharge
60 Days 60 Days 60 Days 60 Days
Day Care Treatment
Covers medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for 24 hours or more. As a matter of fact we cover over 540+ day care procedures.
tick-mark tick-mark tick-mark Upto SI
Room Rent
Covers expenses occurred while you're staying in a hospital. You can also upgrade your single private room should there be a need to and is recommended by a treating doctor.
Single Private Room Single Private Room
(upgradable to next level)		 Single Private Room
(upgradable to next level)		 Single Private Room
(upgradable to next level)
ICU Charges
Take care of ICU charges incurred during your hospitalization.
No Limit No Limit No Limit No Limit
Doctor Fees, etc. No Limit No Limit No Limit No Limit
Daily Allowance - - - -
Ambulance Cover
In case of an emergency, we reimburse expenses incurred by you for availing a domestic road ambulance during your hospitalization.
Upto Rs.2,000/
Hospitalization		 Upto Rs.2,500/
Hospitalization		 Upto Rs.3,000/
Hospitalization		 Upto Rs.5,000
Domiciliary Hospitalization
In case hospitalization is not possible , then we cover for medical expenses incurred during your treatment at home for a period exceeding 3 consecutive days.
Upto 10% of SI Upto 10% of SI Upto 10% of SI Upto 10% of SI
Annual Health Check-Up
To regularly monitor the health and well being, of each insured member, they get one health check-up in every policy year. We have already identified set of test that are covered under policy and you can book your health check-up appointment by using Care customer mobile app
For All Insured Members For All Insured Members For All Insured Members For All Insured Members
Maternity Cover - - Up to Rs.1,00,000 Up to Rs.2,00,000
Alternative Treatment Up to Rs.20,000 Up to Rs.30,000 Up to Rs.40,000 Up to Rs.50,000
No Claim Bonus##
On renewal we will reward you by increasing your SI by 10% in case no claim is made in a Year before renewal. Maximum increase will not to exceed 50% in policy lifetime. If claim is made No Claim Bonus will be reduced by 10% on renewal. NCB Super is an optional benefit that increases your sum insured amount by 50% every claim-free year, up to a maximum of 100%. You can add NCB Super benefit to your policy by paying a slightly increased premium.
Up to 150% of SI Up to 150% of SI Up to 150% of SI Upto 50% of SI
Organ Donor Cover
Covers the medical expenses that are incurred on treatment of an organ donor while undergoing the organ transplant surgery.
Rs.1,00,000 Rs.2,00,000 Rs.3,00,000 Rs.5,00,000
Second Opinion
If you feel uncertain about your diagnosis, you can opt for a second opinion, arranged by us.
tick-mark tick-mark tick-mark tick-mark
Automatic Recharge of Sum Insured
In case your sum insured is exhausted during long hospitalisation or due to multiple family members being hospitalised at same time, an amount equal to policy sum insured will be automatically added to your policy.
Up to SI Up to SI Up to SI Up to SI
Care Anywhere - - tick-mark -
Vaccination Cover - - tick-mark Up to Rs.10,000 for children up to 18 years of age.
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##No Claim Bonus = upto 50% increase due to No Claim Bonus +upto 100% increase due to No Claim Bonus SUPER( Optoinal Benefit)

*Kindly refer to the policy document to check the complete list of health insurance features for family.

Brochure

Download the Brochure for Care Complete Plan Details

Download Care complete plan details

Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!

Add-ons to cover your specific needs

No Claim Bonus Super

No Claim Bonus Super

You can increase your sum insured amount by 50% for every claim free year up to a maximum of 100%.

See Details
Care Shield

Care Shield

An add-on cover that offers 3 benefits claim shield, no claim bonus shield and inflation shield.

See Details
Reduction in PED Wait Period

Reduction in PED Wait Period

This Optional Cover reduces the applicable PED wait period from 48 months to 24 months.

See Details
OPD-care

OPD Care

Get Coverage of up to ₹50,000 for doctor consultations, prescribed diagnostics and prescribed pharmacy.

See Details
Unlimited Automatic Recharge

Unlimited Automatic Recharge

Option to recharge the Sum Insured unlimited times

See Details
Everyday Care

Everyday Care

Get covered up to 2% of your Sum Insured for doctor consultation & diagnostic tests.

See Details
International Second Opinion

International Second Opinion

Covers expenses for consultation from International Medical experts

See Details
Air Ambulance Cover

Air Ambulance Cover

We pay for your necessary ambulance expenses

See Details
Co-payment Waiver

Co-payment Waiver

An Add on cover for 20% Co-payment Waiver

See Details
×

Air Ambulance Cover

The right cure may be miles away but never out of your reach with Air Ambulance Cover. For all those times when you might be recommended a treatment which is not in your city of stay.

Co-payment Waiver

×

If the age of the insured member or eldest insured member is 61 years or above, by opting for this add-on, you can get rid of the 20% co-payment worry. We will pay medical expenses incurred for hospitalization subject to policy terms and conditions.

No Claim Bonus Super

×
NCB_Banner

For 5 consecutive claim free years by using No Claims Bonus (NCB) & No Claims 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 and NCB-Super will be reduced at the same rate at which it is accrued.

Reduction in PED Wait Period

×

Choosing this Optional Cover reduces the applicable wait period of 48 months for Claims related to Pre-existing diseases, to 24 months. The claims will be admissible for any Medical Expenses incurred for Hospitalization in respect of diagnosis/treatment of any Pre-existing Disease after just 24 months of continuous coverage has elapsed, since the inception of the first Policy with us.

×

Everyday Care

Your family may avoid hospitalization for many years at a stretch. However, you have to be really fortunate to avoid doctor consultation for even a few months. For all the visits for all routine visits to the hospital - we give you 1% of your Sum Insured for doctor consultation & diagnostic tests each. This can be availed via a cashless health card and additional premium paid to avail this add- on cover is also applicable for tax benefit under section 80D of IT act.

×

Unlimited Automatic Recharge

There should never be a time when you run out of coverage, which is why by selecting this add – on cover your sum insured amount if re-instated in your policy every time your sum insured exhausts. And this can be availed unlimited number of times.

×

Personal Accident Cover

Forget the hassles of maintaining two separate policies, one for a health insurance cover & second for personal accident cover. By selecting this add- on cover you get coverage for Accidental Death and Permanent Total Disability for up to 10 times of the Sum Insured opted.

×

International Second Opinion

We believe that sometimes reassurance works better than the cure itself. Hence before going ahead with the treatment recommended, we give you an option to consult doctors and take a second opinion.

×

OPD Care

Through this optional cover, one can claim amount equivalent to their bills provided at the time of reimbursement. Coverage amount ranging from INR 5,000 to INR 50,000 can be opted.

Care Shield

×

The policy has 3 benefits :

  1. Claim Shield- List of Non-payable expenses like attendant charges, gloves, mask etc, now payable under this benefit in the policy (For detailed list refer Annexure I of policy details)
  2. No Claim bonus Shield- If total payable claim amount in Policy Year is <25% Sum Insured, then No Claim Bonus (No Claim Bonus Super, if opted) as applicable in base product shall not be reduced.
  3. Inflation Shield- The base policy Sum Insured will be increased on cumulative basis at each renewal on the basis of inflation rate in previous year

Health Insurance Family Plans Details

  • Minimum entry age is 91 days.

  • No upper age limit for enrollment.

  • Life long Renewability of policy under the prevailing health insurance product or its nearest substitute approved by IRDAI.

  • Co-payment - While buying or renewing a policy at age 61 years and above, customers will have the choice to include or exclude the co-payment feature that implies -

    • Continuing the policy with 20% co-payment

    • Continuing the policy without 20% co-payment by opting for a waiver benefit.

  • Premium to be paid on renewal and the subsequent continuation of cover are subject to change with prior approval from IRDA.

  • 30 days waiting period for claim for all illnesses, except injury.

  • Grace period of 30 days to renew your policy once it expires.

Download Terms & Conditions

  • Any diagnosis of diseases / undergoing of surgery / occurrence of event, whose signs or symptoms first occur within 30 days of Policy Period Start date.

  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide).

  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse

  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences

  • Congenital disease

  • Tests and treatment relating to infertility and in vitro fertilization.

  • War, riot, strike, nuclear weapons induced hospitalization.

For complete list of exclusions please refer to policy TnC

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 from submission

Complete the pre-authorization form available
at the hospitals insurance/TPA Desk and send us through fax.

Approval

Approval

Approval letter sent by the claim management team

Query

Query

Hospital/Insured to response to the query raised by the claim management team

Rejected

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

Approval letter sent by the claim management team

Query

Query

Insured to response to the query raised by the claim management team

Rejected

Rejected

We will communicate the reason in case of rejection

Discount upto 20% on Health Insurance Premium Discount upto 20% on Health Insurance Premium

22900+ HEALTH CARE PROVIDERS SERVE CASHLESS MEDICAL SERVICES ACROSS THE GLOBE

Look for hospitals around you

Detailed Hospital List
22900+ Health Care Providers Across The Globe
22900+ Health Care Providers Across The Globe

Voice of our Customers

Write a Review
Reviews and ratings are coming soon. Please visit again or read all product reviews here.
Write a Review
Rahul Sangwan

My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

Rahul Sangwan

Health Insurance

Samanway Barik

We will continue to avail of your scheme

I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

Samanway Barik

Health Insurance

Soubhagya K Kulkarni

Everything went very smooth

Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

Soubhagya K Kulkarni

Health Insurance

Vaibhav Rai

Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

Vaibhav Rai

Health Insurance

Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance is one of the renowned health insurers serving this industry for quite a long time. Health insurance policies offered by the insurer are designed keeping the needs of the customers in mind. . CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible comprehensive coverage. With a robust number of 22900+ cashless hospitals, 95.2% CSR ratio and more than 30 lakh claims settled till date, Care Health Insurance no doubt can be a good choice for addressing your health insurance needs.

Best Health Insurance Company of the year

Best Health Insurance
Company of the year*

claims-paid

38 Lakh+ Claims Settled**

cashless-claim

22900+
CASHLESS HEALTHCARE PROVIDERS^^

**Number of claims settled as of 30th June 2023       *India Insurance Summit & Awards 2023

FAQs on Family Insurance Plans

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Most Frequently Asked Questions

Q.Is there a cashless facility with Care family insurance plans?

Yes, at any of our cashless healthcare providers, you can avail cashless facility with our best mediclaim policy for families.

Q.Who can be covered under Care’s family health insurance policy?

You can cover yourself, your spouse, dependent children, and your parents under the family health insurance policy.

Q.Do my family members or I need to undergo a Medical Check-Up while buying a Care family mediclaim policy?

You may be required to undergo a medical check-up while buying Care health insurance mediclaim for the family if any member insured is above 45 age or for a sum insured of Rs. 15 Lakhs or above.

Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.

*Features available with additional Add-on ,*NCB will not be lost if claimed amount is less than 25% of SI, Coverage is available in Government Authorized Centre *For detailed list of non-payable items refer Annexure I of policy details.

#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, 1 Adult 18-24 age group 3 Yr with NCB Super (Add-on).

^^Number of Cashless Healthcare Providers as of 30th June 2023

**Number of Claims Settled as of 31st May 2023

##10% discount is applicable for a 3-year policy

Brochure

Download the Brochure for Care Complete Plan Details

Download Care complete plan details

Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!

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