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Care Health Insurance is one of India’s leading Health Insurance providers, with a claim settlement ratio of 95.2%. Care Health Insurance provides an array of health insurance plans with benefits, including in-patient hospitalization, pre and post-hospitalization medical expenses, access to advanced medical treatments, daily allowances during hospitalization and cover for AYUSH treatments.

The network hospitals are the hospitals stated in the agreement when acquiring insurance from the insurance provider. These are the hospitals where you can obtain a cashless health insurance service if you seek treatment, subject to the policy's terms and conditions.

Cashless health insurance is a policy offered by most health insurance companies. In a cashless facility, the insurer directly pays the hospital bills if the hospital happens to be in their network. There’s no need for the insured to pay the bill first.

Yes, you qualify for the bonus of income tax benefits on health insurance premium paid towards your policy subject to certain limitations. Under section 80D of the Income Tax Act, you can claim deductions when filing tax returns. Below are some ways you can qualify to save tax with Care Health Insurance-

• You can claim tax deductions up to INR 25,000 under health insurance covering yourself and your family.
• Under a family cover, including your parents aged 60 years or less, you can claim up to INR 50,000 under tax benefit.
• Avail additional deduction up to INR 50,000 under the mediclaim for either of your senior citizen parents.

Pre-existing diseases are illnesses you already have when you purchase health insurance coverage. A pre-existing ailment in a health insurance plan is a disease that a physician identified within 48 months of the policy's effective date. Diabetes, asthma, high blood pressure, and other serious illnesses are pre-existing diseases. For example, if you are diagnosed with diabetes and purchase a health insurance plan after a year, diabetes is considered a pre-existing condition.

A deductible is a pre-defined amount that you have to pay to the hospital before the insurer pays you the claim amount.

Room rent limit refers to the limit up to which the insured's per day hospital room charges will be covered in a health insurance policy. Let us suppose the room rent limit is Rs 3,000 per day. If a policyholder chooses a hospital room that costs Rs 2,500 per day, the health policy will cover the expenses. However, if the room costs Rs 3,500 per day, the person must bear the amount exceeding the limit from his pocket. It’s advisable to be clear about room-rent limits before you purchase a health insurance policy to avoid last-minute surprises.

The grace period for a health insurance plan is defined as a pre-decided duration after the date when the premium for renewal is due. During the grace period, a policyholder has the freedom to make the premium payment without losing coverage or policy lapsing. The policyholders are still covered under their policy during the grace period.

Health insurance begins when you decide your health insurance cover, riders, premium payment interval and enter into an indemnity agreement with the mediclaim insurance company. Health insurance provides financial protection against accidents and diseases specified in your policy by paying partial or full hospital bills, surgical bills, and medical bills. In exchange for this, the policyholder has to pay premiums until the policy term and renew it to keep the benefits.

The cost of health insurance is the sum-total of premiums you have to pay against your health insurance cover. These premiums depend on your chosen policy cover, age, medical conditions, lifestyle habits and family medical history.

Under health insurance, your coverage does not start immediately after policy issuance. There is a time frame that has to be completed before the policy's coverage can begin. This specified period is known as the waiting period. You have to wait till its completion to file the claim under your health insurance policy.

When you renew your medical insurance coverage, you can raise the amount insured. An increase in the sum insured would result in a premium rise.