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Care Saksham- Empowering Health Beyond Limits

At times when various health disabilities are prudent, our plan, Care Saksham, is carefully designed for individuals with intellectual disabilities to help them stay financially independent during medical crises.

Health Insurance for the Specially Abled

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    Reasons to Choose Care Health Insurance?

    • Healthcare Networks
      24800+ Cashless Healthcare Providers^^
    • Claim settled ratio
      48 Lakh+Insurance Claims Settled**
    • Claim settled
      24*7Claim and Customer Support

    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:

    Coverage Under Care Saksham

    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

    24800+ Health Care Providers Serving Cashless Medical Services Across The Globe

    Look for hospitals around you

    Detailed Hospital List
    24800+ Health Care Providers Across The Globe
    24800+ Health Care Providers Across The Globe

    Voice of our Customer

    MS
    Manisha Sawe
    Care Saksham
    5

    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.
    DB
    Deepak Bhadauriya
    Care Saksham
    5

    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.
    SJ
    Santosh Jha
    Care Saksham
    4

    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!
    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

    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

    Best Health Insurance
    Company of the year*

    claims-paid

    Claims Settled**

    cashless-claim

    24800+
    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

    Secure Your Finances Now!

    Get the best financial security with Care Health Insurance!

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