Yes, at any of our in-network hospitals you can avail cashless facility with our best mediclaim policy for family.

It is not easy to buy the best family mediclaim policy in India due to the number of plans available online. You can purchase Care’s family floater health insurance at the Care Health Insurance site and select a suitable health plan. You can purchase the desired policy through our secure digital payment modes.

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

Health Insurance for family covers more than one family member in a single policy. Under Individual health plans, only one member can be covered and the policy coverage is enjoyed by the insured member only.

Insurance is a contract of utmost good faith. Declaring the correct and accurate health status at the time of buying health insurance plans in India for family ensures smooth processing of your application. This will also help us serve you in a better manner.

Buying an individual cover or a family floater health insurance is an individual's perception. However, as a general rule, health insurance for family is advisable if you have a family that includes spouse, children and parents.

Unlike individual plans, health insurance policies for family give you and your family medical coverage. You will not have to pay different premiums for a health insurance policy for family.

No claim bonus is a reward the insurance company offers for not claiming your health insurance policy. This bonus can be availed as an increase in the sum insured. CARE offers a 10% increase in the policy sum insured for every claim-free year, with no change in premium. A maximum bonus of up to 50% is permissible.

One can be benefitted from No Claim Bonus in both family mediclaim policy and individual mediclaim insuranceIn case of claim, the accumulated bonus is reduced by 10%.

Under family mediclaim insurance, we will automatically recharge the sum insured, in case the sum insured is exhausted during the policy year. The sum insured will be recharged once in a policy year. Recharged Sum Insured can be used for future claims. However, this benefit is not applicable for an illness/disease for which a claim has already been made in the current policy year.

This benefit is available in both health insurance for family and individual health insurance.

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

You can get a policy for one, two, three years with a lifelong renewal option under health insurance family plans.

Yes, the mediclaim for family offers coverage for AYUSH treatment.

We offer a free look period of 15 days to review your policy terms and conditions. In case you are not satisfied with the Care mediclaim policy plan, you can request to cancel your policy during this period. You will be charged the pro-rated premium for the period during which your policy was in-force, the cost of pre-policy health check-up, if any, and the stamp duty. The balance premium would be refunded.

Co-pay is that part of your claim amount, which you have to bear after attaining a certain age. Co-pay can be in % terms or an absolute amount. For example, in case of co-pay of 20% with a claim of Rs. 10,000, we will pay you Rs. 8,000 (80% of 10,000) and you will bear 20% (Rs. 2,000). There is no co-payment clause with Care Health Insurance up to the age 60 years.

You can apply for CARE mediclaim policy plan under portability benefit with the following documents:

• CARE proposal form
• Portability form
• Copy of expiring health insurance policy
• Copy of renewal notice

You can get multiple health insurance mediclaim policies and use the benefits of each. You can select any of these policies to settle the claim, provided the claim payable is up to the sum insured of such a policy. If the claim amount under one policy exceeds the sum insured, you can choose an insurer to settle the claim. If you have selected Care Health Insurance, we will settle your medical expenses, subject to the policy T&C.

The sum insured can be increased when you renew your health insurance for family, subject to the underwriting decision of the company.

Yes, Coronavirus treatment is covered under Care health insurance plan for a family. It covers medical expenses related to coronavirus treatment.

You can add family members to an existing policy at the time of renewal.

You can add your parents, but we advise our senior citizen plans to ensure greater coverage. It will also cost less because the price of a family policy is based on the eldest member's age medical insurance for family. This way the premium for your parent’s policy will be affordable.

Yes — subject to the policy terms and conditions.

Go to the claim section of our website and enter your relevant details to check your claim status.

Ideally, you should buy the best mediclaim policy for family before any health emergency knocks at your door. Most importantly, family plans lower your financial burden against India's expensive healthcare treatment costs. Given the pandemic, your family needs appropriate access to quality medical treatments at affordable rates. That's possible only with family medical insurance.