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Short Term Health Insurance

  • Flexibility to choose a cover for 3 months, 4 months , 5 months or 6 months
  • Wide Sum Insured options ranging from INR 4 Lacs to INR 10 Lacs
  • Annual Health Check-up
  • Upto 150% increase in Sum Insured with No-Claim Bonus Super
  • Tax Benefit u/s 80D
15500+

Cashless Healthcare Providers

95.2%

Insurance Claim
Settlement Ratio*

24✕7

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Flexi Insure Quote

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02 rightinsured person(s) and age

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  • Upto 5Yr

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03 rightpre-existing conditions

Any past or ongoing medical conditions of any insured member Any Condition, ailment or injury for which the insured person had signs or symptoms and/or were diagnosed, and/or received medical advice/treatment within 48 months prior to the first policy issued by the insurer.

 

04 righttotal coverage(in lacs)

05 right policy term

Health insurance cover is valid till 90 days

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FLEXI INSURE (---)

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(Premium includes 18% GST)

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KEY BENEFITS

ADDITIONAL COVERS

NO CLAIM BONUS

Policy Sum Insure increases by 10% for every claim free year. The maximum increase allowed is 50% of policy Sum Insure.

AMBULANCE COVER

Up to rs.2000 per hospitaliztion payable if advised by treating medical practioner.

LIFELONG RENEWABILITY

We like to stay with you all the way. Our option of life long renewability helps yau stay covered for life, provided your policy is renewed on time every year.

SINGLE PRIVATE ROOM

We reimburse the room rent expenses incurred during hospitalization as per the sum Insure chosen by you.

NCB SUPER

You can add additional 50 % increase in Sum Insure for every claim free year. Maximum increase allowed is 100% of policy Sum Insure. Hence with both NCB& NCB SUPER you can increase your Policy Sum Insure upto 150% in 5 consecutive claim free years.

Everyday Care

For all routine visits to the hospital – everyday care provides you 1% of your Sum Insured for doctor consultation & diagnostic tests each

Copyright. Care Health Insurance (formerly known as Religare Health Insurance Company Limited).

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Premium benefits across 2 plans

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


Benefits of Flexi Insure arrow
  4 Lacs 5, 7, 10 Lacs
In-Patient Hospitalization
Hospitalization for at least 24 hours
We pay for – room charges, nursing expenses and intensive care unit charges, surgeon's fee, doctor's fee, anesthesia, blood, oxygen, operation theater charges, etc.; If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours.
Hospitalization less than 24 Hours
We cover 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.
Up to Sum Insured Up to Sum Insured
Pre-hospitalization
We cover 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
Post-hospitalization
We cover the relevant medical expenses such as doctor consultation, Diagnostic tests, medications etc. incurred up to 60 days post your hospitalization.
60 Days 60 Days
Day Care
We cover 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.
Yes Yes
Room Rent
We reimburse 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.
1% of SI per day Single Private Room
ICU Charges
We take care of ICU charges incurred during your hospitalization.
2% of SI per day No Sub-Limit
Ambulance Cover
In an emergency, we reimburse expenses incurred by you for availing a domestic road ambulance during your hospitalization.
Rs.1,500/
Hospitalization		 Rs.2,000/
Hospitalization
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
Health Check-up
We give an Annual Health Check-Up for all insured members covered in the policy.
tick-mark tick-mark
Automatic Recharge of Sum Insured
If you ever run out of your health cover due to claims made, we will reinstate the entire Sum Insured amount of your policy.
Yes Yes
No Claim Bonus
We raise a cheer to good health for every year that you don't claim by increasing your Sum Insured by 10%, up to a maximum of 50% in 5 consecutive years.
tick-mark tick-mark
Organ Donor Cover
We reimburse you the medical expenses that are incurred by an organ donor while undergoing the organ transplant surgery.
Rs.50,000 Rs.100,000
Second Opinion
If you feel uncertain about your diagnosis, you can opt for a second opinion, arranged by us.
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Care complete plan details

Add-ons to cover your specific needs

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

See Details

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

See Details

Flexi Insure - Health Plan 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 During purchase of the first policy, if eldest member insured is

    • Below 61 years, no co-payment is applicable.

    • 61 years or above, 20% of the claim amount under the policy has to be borne by you.

  • 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.

STEP1

Cashless Insurance

Emergency

Intimate within 24 hours of your hospitalization

Planned Hospitalization

Intimate us 48 hours prior to your hospitalization

STEP2

Reimbursement Insurance Claim Form Submission

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

15500+health care providers serve cashless medical services across the globe

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Voice of our customer

Mahendra Kumar

review My wife got a knee injury and hospitalized for a week. Most of the hospitalization expenses were covered under the family floater policy. The claim settlement was quick and hassle-free. Happy with the services.

Narang Sahu

review Good Customer Care Service. Highly recommend it to friends and family.

Ajeet Pai

review I am happy with the Care- Health Policy from Care Health Insurance. I got the call back in just 5 min, and Mr. Rajan was very helpful during the entire buying process. Good Job!

Sulekha Bhardwaj

review My search for the most comprehensive family health insurance ends here. Mr. Rama was very helpful and explained the policy features in detail. Premium is affordable, and we now feel secure! Thanks, Care Health Insurance.

Shaila Gupta

review Recently purchased care -health plan online from the website. It is very much pocket-friendly. Good Customer Service by Nadeem! All questions were answered promptly.
Ankita Sharma

My appreciation for your prompt service

At the outset I would like to express my appreciation for your prompt service in taking up the case regarding my claim. I have received your intimation regarding the acceptance of my claim and had a minor query as to what is the claim amount settled by you. Thank you. View more

Ankita Sharma

Health Insurance

Indubala Nambiar

We will continue to avail of your scheme.

Thank you for settling the claim amount. Kindly inform me when the amount is remitted to the credit of my bank account with the Bank of Baroda. We will continue to avail of your scheme when we travel abroad. View more

Indubala Nambiar

Health Insurance

Vikas Singh

Everything went very smooth

I would like to pass on my appreciation for Virender who guided me during the difficult time. He helped me at every stage and didn’t keep me waiting. Due to his efforts, I was relaxed and everything went very smooth while my wife was recovering from typhoid. Thanks Virender you are a star! View more

Vikas Singh

Health Insurance

Sahil Khattar

Really helpful explaining the process in advance

I just wanted to thank you for the exceptional response from you on the recent cashless reimbursement request related to my mother’s operation. You were really helpful explaining the process in advance before the treatment and also during the final settlement. View more

Sahil Khattar

Health Insurance

Aditya Sharma

Finalising my claim in a short period

I must express my profound appreciation for finalising my claim in a short period. I have heard of insurance companies with holding payment or rejecting it outright on very flimsy grounds as they are averse to parting with their money. It was not the case with Care health insurance. Thank you, may your tribe grow. View more

Aditya Sharma

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) (formerly known as Religare Health Insurance Company Limited) 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.

Awarded

Awarded as Claims
Leader of the year

claims-paid

23 lakh + Claims settled*

cashless-claim

Cashless claim processing
in approx. 2 hours

What is a Short Term Health Insurance Plan?

Our Flexi Short Term Health Insurance Plan is a unique health insurance cover specifically designed to provide financial security against medical emergency for a short duration. It bridges the gap during the transition periods in your life. You can buy it for yourself or for your family. It is comparatively more affordable than long term health insurance policies and gives you maximum coverage without overburden your pocket. Such a plan is ideal for the temporary situations where you want to be secured and do not look yourself out of the health insurance coverage.

Why is Short Term Health Insurance Needed?

Flexi Short Term Health Insurance Plan is the limited duration insurance that covers your medical expenses in case of an emergency. We have created this plan to fill the temporary gap in coverage. Read below life transitions situations when short term health insurance is needed.

  • New Job: Your last company's health insurance lapse once you leave it. Generally, companies take time to complete the joining formalities. So, if you have switched to a new job and are waiting for your new insurance, then short term health coverage is needed to be secured during this transition.
  • Check Services: At times, it happens that you wish to experience and check the insurance services before you pay the annual premium in a lump sum. You can buy this plan for a short duration and take the trial of our services if you feel satisfied, then you can go for our long term plans.
  • Non- Resident Indian: If you are a Non-Resident Indian and staying in India for a short period, Flexi health insurance plan is good for you. It covers all your health care costs and keeps you protected from medical emergencies.
  • Insurance Portability: Such a plan is also helpful during health insurance portability. It is so because portability is a time taking process, and this health cover keeps you secure from any untoward incident until the completion of the process.
  • Study or Assignment Purpose: If you are a student staying in India for study or assignment purposes for a short duration, you need a short term health cover. It bears your medical expenses and gives you financial security during your stay.

Benefits of Short Term Health Insurance Plan

Short Term Insurance policy has customizable benefits for working individuals who seek some medical protection at reasonable costs. The key benefits of short term health insurance plan are:

  • You can enroll in our short term health insurance plan at any time and get coverage in the daytime.
  • Short term health insurance plan is budget-friendly and easily affordable by people from all walks of life
  • Cashless hospitalization in-network hospitals during medical emergencies
  • Provide maximum coverage with comprehensive protection for a short period
  • It has lifelong renewability
  • The plan offers 30 days of grace period
  • Tax benefits under Section 80D of the Income Tax Act 1961

Short Term vs Long Term Health Insurance

Health insurance is a protective umbrella that supports you in the rainy days of your life. Various health covers can be differentiated based on their benefits, duration, coverage, and cost. Here you can read the differences between Short Term and Long-Term Health Insurance and op for the best accordingly.

  • Duration:Short Term Health Insurance Plan is for a short duration say a maximum period is 6 months, whereas Long-Term Health Insurance lasts for lifelong.
  • Coverage: Short Term Health Insurance covers only the gap during the transition period in life for a short tenure. However, Long-Term Health Insurance covers chronic diseases and critical illnesses such as cancer, heart ailments, kidney failure, etc.
  • Premium: The premium for Flexi plans is low compare to Long-Term Health Insurance plans. Thus, the cost of Long-Term Health Insurance is high, whereas Short Term Health Insurance is reasonable.
  • Flexibility: You can have flexibility with Short Term Health Insurance. You can choose the duration say for 3, 4, 5, and 6 months. But, in Long-Term Health Insurance, minimum term duration is 1 year.

So, both the plans come in variety of packages and have respective benefits. Depending on your medical needs and budget you can opt them accordingly.

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FAQs on Short Term Health Insurance

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Most Frequently Asked Questions

Popular Questions

Q. What is Short Term Health Insurance Used for?

Short Term Health Insurance used:

  • To bridge the gap during switching to a new job and waiting for the new employer’s insurance to get effective.
  • To check the quality of the insurer’s services before investing a lump sum amount.
  • To cover the health care needs if you are NRI staying in India for a short duration.
  • To remain protected during the insurance portability process.

To protect against medical emergencies if you are in India for study purpose for a short period.

Q. When can my Coverage Start Under Short Term Health Insurance?

  • You are covered for treatment related to Hospitaliization after Policy issuance.
  • Some of the waiting period applicable on your policy are
    • 30 Days initial wait period for Diseases
    • 24 Months wait period for NAMED ailments
    • 48 Months wait period for all treatments related to Pre-existing disease declared in the policy .

Q. Will it Cover Maternity?

No, most of the short term health insurance plans do not cover maternity or pregnant spouse. Instead opt for maternity insurance plan to address maternity related expenses with ease

Q. Can I Buy Short-term Health Insurance Cover at Any Time?

Yes, you can buy short-term health insurance cover year-round at any time.

Q. How Long Can You Use Short Term Health Insurance?

The coverage under short term health insurance plans last maximum for 6 months depends on the duration of your plan.

Q. How much Short Term Health Insurance Cost?

It cost reasonable and comparatively cheaper than long term health insurance.

Q. Does it Avail Tax Benefit under Section 80D?

Yes, the premium paid for short term health insurance plan is exempted from tax under section 80D.

Q. Can I buy Short Term Health Insurance for my Family?

Yes, you can cover your spouse, children, and parents under this plan subjected to fulfil the medical requirement of the plan.

Q. Does it have a Grace Period?

Yes, like long term health insurance Flexi plans also have a 30 days grace period.

Q. What are the Exclusions in Short Term Health Insurance Policy?

Yes, there is a list of exclusions that are not covered under short-term health insurance, and a claim can be rejected.

Q. Does Short Term Health Insurance Plan Cover Pre-existing Diseases?

You are required to declare your Pre-existing medical conditions at the time of filling your proposal. On acceptance of your policy the treatment related to Pre-existing diseases will be covered after 48 Months wait period.

#Source: IBAI Claims Handbook for FY 19-20

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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.

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Discount Connect
  • Wide Network of 4000+ including Hospitals, Diagnostic Centres and Pharmacy
  • Search for a centre either by Hospital/clinic/centre name or even by Ailment/specialty
  • GPS Search of empanelled service provider
DISCOUNTS:
  • Up to 30% Discount in Top Hospitals for Consultations, Pathology & Radiology Tests
  • Up to 10% Discount on Apollo Pharmacy Outlets
  • Up to 20% Discount on Dental Consultations and Procedures
E-Consultation
Mode- voice and video
Consultation: Unlimited
Specialities:
  • General Physician
  • Internal Medicine
  • Paediatrics
  • Gynaecology
  • Dermatology
  • Preventive Cardiology
  • Sexology
  • Nutrition
  • Orthopaedics
  • Ophthalmology
  • Psychology

Daily Allowance

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A trip to a hospital involves more than merely using the doctor’s services and hospital facilities. You are bound to run up numerous ‘non-medical’ expenses such as transportation, attendant’s cost and other daily expenses that you may not be able to even foresee. To meet these expenses without a bother and as suits you best, we pay – Daily Allowance – A Lump-sum amount for each day of hospitalization (maximum up to 30 days) is payable under this cover. The amount doubles in case you are hospitalized in an ICU.

Smart Glucometer Kit

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Approval

How it works- You can opt for the glucometer add-on along with the other add-ons of your care policy. Post purchasing the policy, you will receive a link from where you can buy the glucometer kit at up to 50% off.

Co-payment Waiver

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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

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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

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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.

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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.

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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.

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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.

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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.

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Global Coverage

Quality Healthcare cannot have boundaries. So if you ever feel the need get treated at an overseas facility, rest assured, since with this add-on cover you get Global Coverage that too on a cashless basis across listed network hospitals.

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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.

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Benefits of Covid Care

  1. In-patient Care: If You are admitted to a hospital for in-patient care due to Illness related to Coronavirus disease which should be Medically Necessary, for a minimum period of 24 consecutive hours
  2. Day Care Treatment: we will indemnify you for Medical Expenses incurred on Day Care Treatment maximum up to the Sum Insured, provided that period of treatment for you in the Hospital/Day Care Centre does not exceed 24 hours.
  3. Sub-limits on Coverage for Quarantine: we will indemnify you for Medical Expenses incurred maximum up to 1% S.I. per day maximum up to 30 days in a Policy
  4. Pre-Hospitalization Medical Expenses: Under Pre-hospitalization Medical Expenses, for a period of 30 days immediately prior to your date of admission to the Hospital
  5. Post-Hospitalization Medical Expenses: Under Post-hospitalization Medical Expenses, for a period of 60 days immediately after your date of discharge from the Hospital.
  6. OPD Benefit:We will indemnify you, through Reimbursement for availing Out-Patient consultations, Diagnostic Examinations and Pharmacy expenses, up to the specified amount, during the Policy Year provided that the Medical Expenses so incurred are after positive confirmative diagnosis of Coronavirus disease (COVID-19).

For more details on exclusions & policy terms kindly refer to product T & C

Care Shield

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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

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