Save tax up to ₹75,000~ u/s 80D
Save tax up to ₹75,000~ u/s 80D
Care- a family health insurance plan fulfilling the healthcare needs of you and your loved ones with all the protection under one roof.
Reasons to Choose Care Health Insurance?
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.
Cover Highlights
Annual health
check-up
Robotic surgery
Emergency Ambulance
hospitalization
(more or less than 24 hrs)
Post-hospitalizationExpenses
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:
| KEY FEATURES | ₹5L / 7L / 10L | ₹15L/ 20L/ 25L/ 30L/ 40L | ₹50L/ 60L/ 75L | ₹1Cr/ 2Cr/ 3Cr/ 6Cr |
|---|---|---|---|---|
| Pre-hospitalization
info
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
info
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
info
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.
|
 |
|
|
Upto SI |
| Room Rent
info
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
info
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
info
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
info
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
info
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 |
| AYUSH Treatment | Up to SI | Up to SI | Up to SI | Up to SI |
| No Claim Bonus##
info
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
info
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
info
If you feel uncertain about your diagnosis, you can opt for a second opinion, arranged by us.
|
|
|
|
|
| Automatic Recharge of Sum Insured
info
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(Once in a Policy Year) | Up to SI(Once in a Policy Year) | Up to SI(Once in a Policy Year) | Up to SI(Once in a Policy Year) |
| Care Anywhere | - | - | |
- |
| Vaccination Cover | - | - | |
Up to Rs.10,000 for children up to 18 years of age. |
##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.
No Claim Bonus Super
Care Shield
Reduction in PED Wait Period
OPD Care
Unlimited Automatic Recharge
Everyday Care
International Second Opinion
Air Ambulance Cover
Co-payment Waiver
No Claim Bonus Super
×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.
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.
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 letter sent by the claim management team
Query
Hospital/Insured to response 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 response to the query raised by the claim management team
Rejected
We will communicate the reason in case of rejection
Look for hospitals around you
My appreciation for your prompt service
Rahul Sangwan
Health Insurance
We will continue to avail of your scheme
Samanway Barik
Health Insurance
Everything went very smooth
Soubhagya K Kulkarni
Health Insurance
Really helpful explaining the process in advance
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 (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.
Best Health Insurance
Company of the
Year*
48 Lakh + Claims Settled**
24800+
CASHLESS HEALTHCARE PROVIDERS^^
Yes, at any of our cashless healthcare providers, you can avail cashless facility with our best mediclaim policy for families.
You can cover yourself, your spouse, dependent children, and your parents under the family health insurance 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.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
^^Number of Cashless Healthcare Providers as of Feb 2025
**Number of Claims Settled as of 31st March 2024
~~10% discount is applicable for a 3-year policy
Get the best financial security with Care Health Insurance!
Sales:1800-102-4499
Services: 8860402452
Live Chat
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