Care Saksham- Empowering Health Beyond Limits

What is Care Saksham?

We introduce Care Saksham, a plan dedicated to people with special needs due to ADHD, Down Syndrome, Fragile X Syndrome, Fetal Alcohol Syndrome, and other intellectual disabilities.

To empower the intellectually disabled, Care Saksham’s coverage includes specialised daycare treatments, AYUSH treatment, pre- and post-hospitalisation, etc. The plan also offers coverage for the unique healthcare requirements of the covered individuals.

We aim to promote equal access to quality healthcare while considering the specific circumstances and challenges faced by people with unique needs.

Plan Highlights of Care Saksham Health Insurance

Care Saksham stands out for the following valuable features:

The plan covers the expenses for listed modern treatments for up to 50% of the Sum Insured.
It covers hospitalisation expenses up to the Sum Insured
Covers up to ₹2000 per hospitalisation for the emergency ground ambulance if prescribed by the doctor.
Expenses incurred for Inpatient Care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy are covered.
Under one policy year, cataract treatment for up to Rs. 40,000/-per eye is covered.

KEY FEATURES	₹4 & 5L
In-patient Care	Upto SI
Day Care Treatment	Upto SI
Modern Treatment (Inpatient Care)	Up to 50% of the Sum Insured
Pre-hospitalisation Expenses	30 Days Before Hospitalisation
Post-hospitalisation Expenses	60 Days Post Hospitalisation
AYUSH Treatment	Up to 50% of the Sum Insured
Emergency Ground Ambulance	Up to Rs. 2000 Per Hospitalisation
Cataract Treatment	Up to Rs.40,000/- Per Eye Under One Policy Year
Sublimit for Room/ Doctor’s fee	Room Rent, Boarding, and Nursing Expenses- Up to 1% of the SI Per Day Intensive Care Unit (ICU) charges/ Intensive Cardiac Care Unit (ICCU)- Up to 2% of the SI Per Day
Co-payment	20% on All Claims

Care Saksham Plan Details

Sum Insured-4L\5L
Cover Type- Individual
Relationship with Proposer Covered-Self, Spouse/Live-in partner/Same sex partner, Son, Daughter, Father, Mother, Mother-in-law, Father-in-law, Grandfather, Grandmother

Entry Age - Minimum
- Individual - Main Member/Spouse/Children /Others-
- Child: 5 Years
- Adult:18 Years
- Floater- Main Member/Spouse/Children /Others: N.A
Entry Age - Maximum
- Individual - Main Member/Spouse/Children/Others- (Parents) / Newborn
- Child:17 Years
- Adult:65 Years
- Floater- Main Member/Spouse/Children /Others: N.A
Exit Age
- Individual -Main Member/Spouse/Children/Others- (Parents) / Newborn
- Child: 18 Years
- Adult: No Age Limit
- Floater- Main Member/Spouse/Children /Others: N.A

Underwriting Grid

Pre-policy Medical Check-up- Tele Underwriting, medicals on case to case basis
Age wise/Sum Insured wise- N.A
Cost to be recovered for PPC-N.A
Named Ailments Coverage(Days) - 24 Months
Pre-existing Diseases Coverage (Months)-
- 48 months (For pre-existing diseases other than the pre-existing disability and HIV/AIDS covered)
- Only PEDs declared in the Proposal Form and accepted for coverage by the company shall be covered.
Wait period and specific Sublimit for HIV AIDS Cover:
- An initial waiting period of 30 days will be applicable for indemnity basis cover
- Sum Insured would be available for Hospitalisation Expenses as per the policy's terms and conditions.
Wait period & specific Sublimit for Disability Cover
- 24 months initial waiting period is applicable for the pre-existing disability covered under the policy.
Initial Wait Period
- 30 days for all claims except those resulting from accident.

Download Terms & Conditions

Expenses attributable to suicide, tempted suicide, or any other self-inflicted injury
Expenses arising due to consumption of alcohol/tobacco or drug use/misuse/abuse
Expenses of spectacles/contact lenses and dental treatment that do not require hospitalisation
Expenses occurring due or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
Any external congenital disease
Infertility-related tests and treatment
Unlawful activities

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

Voice of our Customer

4.6

Write a Review

Manisha Sawe

Care Saksham

Nice team

I am new to insurance and all its terminologies. Thankfully, my agent helped me in buying the best plan. They explained the benefits and ensured I had answers to all my questions.

Deepak Bhadauriya

Care Saksham

Thankful to the Claim team

Care Health Insurance ke log sach mein care karte hain. Claim team ne claim aasani se pass karane mein bahut help ki.

Santosh Jha

Care Saksham

Nice coverage in plan

I bought a plan from them, and I am so glad I took the decision! The coverage is good. I never imagined I would need domiciliary benefits. But when I did, my agent made sure I got the claim. Thank you Anmol ji!

Write a Review

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

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

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

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

Opting for a health insurance plan, especially one that covers specially-abled individuals, is tricky. Moreover, choosing a policy with the lowest premium may also not be wise, given the unique requirements of people who need special attention due to ADHD, Fetal Alcohol Syndrome, Down Syndrome, etc.

Thus, Care Health Insurance offers an unparalleled plan to meet unique needs during medical exigency. CHI offers a distinct set of benefits, giving a clear choice for providing the best possible health insurance.

Best Health Insurance
Company of the year*

38 Lakh+ Claims Settled**

22900+
CASHLESS HEALTHCARE PROVIDERS^^

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

FAQs on Care Freedom

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Most Frequently Asked Questions

Q.What are intellectual disabilities?

A disability that affects an individual's understanding skills is called Intellectual disability. Some of the intellectual disabilities are Fragile X syndrome, Down syndrome, Developmental delay, Prader-Willi Syndrome (PWS), Fetal alcohol spectrum disorder (FASD), ADHD, etc.

Q.Is Intellectual Disability Normal?

Yes. Around 1-3 per cent of the total global population has an intellectual disability. Experts also suggest that an intellectual condition can be dealt with easily if you regularly track the condition.

Q.What is the best health insurance for disability?

Our latest plan, Care Saksham, is one of the smartest plans designed to meet the needs of individuals suffering from intellectual disabilities such as ADHD, Fetal Alcohol Syndrome, Down Syndrome, Fragile X syndrome, etc.

Q. Can People with Intellectual Diseases get Health Insurance Coverage?

Although a few companies may project intellectual disorders as an exclusion, Care’s latest plan, “Care Saksham”, is a health policy that one can opt for the financial security of individuals with intellectual diseases.

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

*Source: IBAI Claims Handbook for FY 19-20 and *number of claims settled as on June 30, 2020

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

10% discount is applicable for a 3-year policy

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Care Saksham- Empowering Health Beyond Limits

Reasons to Choose Care Health Insurance?

What is Care Saksham?

Plan Highlights of Care Saksham Health Insurance

Coverage Under Care Saksham

Care Saksham Plan Details

Voice of our Customer

FAQs on Care Freedom

Q.What are intellectual disabilities?

Q.Is Intellectual Disability Normal?

Q.What is the best health insurance for disability?

Q. Can People with Intellectual Diseases get Health Insurance Coverage?

Get Free Health Insurance Quote

Get a call back from us

Care Saksham- Empowering Health Beyond Limits

Reasons to Choose Care Health Insurance?

What is Care Saksham?

Plan Highlights of Care Saksham Health Insurance

Coverage Under Care Saksham

Care Saksham Plan Details

Voice of our Customer

FAQs on Care Freedom

Q.What are intellectual disabilities?

Q.Is Intellectual Disability Normal?

Q.What is the best health insurance for disability?

Q. Can People with Intellectual Diseases get Health Insurance Coverage?

Don't Ignore Your Health!

Don't Ignore Your Health!

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