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Health insurance is a security cover wherein the insurer bears the insured person’s healthcare costs in exchange for regular premium payments. You can opt for our best health insurance plans on an individual or family floater basis.
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Health insurance is a type of insurance that pays for insured members' medical expenses due to accident, illness, or injury. It is an indemnity-based agreement under which the insurer promises to bear the hospitalisation costs, OPD charges, doctor’s fees, medications, and other medical bills concerning the insured. The importance of health insurance has shot up in the last few years due to the alarming spread of lifestyle diseases among people at all stages of life. Even a short trip to the hospital can quickly eat up your hard-earned savings in no time. In such a scenario, a health insurance policy can help you avoid a financial crisis.
Under the policy, the insurance company offers various sum insured options, which is the maximum amount the insurer would pay to the policyholder during a medical emergency. In return, the insured members promise to pay out a premium on a periodic basis.
Typically, there are two broad categories of health insurance:
The following table will help you understand the key features of health insurance plans by Care Health Insurance:
Parameter | Details |
---|---|
Sum insured | Ranging from ₹3 lakhs to ₹6 crores |
Critical illness | Special plans offering coverage for 32 illnesses |
Pre hospitalisation expenses | Covered upto 60 days |
Post hospitalisation expenses | Covered Upto 180 days |
Ambulance charges | Covered |
Daycare treatments | Upto Sum Insured |
ICU charges | Covered |
Coverage for senior citizens | Special plans for senior citizens |
Maternity benefits | Special plans offering coverage for pregnancy, childbirth and newborn baby |
Add-ons | Available |
Hospital Network | 22900+ cashless healthcare providers with 9747+ network hospitals |
Tax benefits | Upto 10000 Under Section 80D# |
AYUSH treatments | Covered |
Domiciliary treatments | Covered |
Grace period | 30 days after policy expires |
Waiting period | 30 days / 24 months / 48 months |
Policy tenure | 1 year/ 2 years/ 3 years |
Advanced medical treatments | Covered |
Customer Care Support | Customer Care helpline / Chatbots /Updates on WhatsApp |
Care Health Insurance is one of the best Indian health insurance companies in the country. We ascertain that you and your family members receive optimum healthcare coverage complemented with an affordable premium. Here are some of our best health insurance policies in India:
Look for best health plan that suits your need!
A health insurance plan works like any other insurance policy wherein the insurer agrees to pay the insured person’s hospitalisation cost up to the sum insured. The primary role of health or medical insurance is to step in and offer the monetary support you need. In testing times, your insurer helps lower the financial burden of unexpected life events like illnesses, accidents, and ailments. Let’s understand with an example:
Vyas purchased individual health cover from Care Health Insurance with a sum insured of ₹50 lakhs. A few months later, while going to the office, Vyas met with an accident and got hospitalised. Preferring to avail of cashless benefit, Vyas chose one of the network hospitals in his vicinity. The hospital bill was ₹5 lakhs where Vyas only paid 5% of the bill (deductibles). The remaining ₹4.5 lakhs was paid by insurer.
If he wanted, Vyas could also choose to get medical treatment from a non-network hospital. Once the treatment was complete, he could raise a reimbursement claim to receive the admissible costs.
The way a health insurance plan works is simple– your health insurer provides financial support during medical emergencies in return for a regular premium payment. It's a simple yet powerful arrangement, which ensures that when health hiccups occur, you're not left juggling between savings and bills. Yet, there’s more to a health policy than only the premium and sum insured, as shown here-
As a policyholder, the onus of understanding the terms and conditions of your health insurance plan lies on you. Going through the policy documents may seem overwhelming, but you need to go through them. Here are some of the health insurance industry jargon, that you need to be well aware of:
Every health insurance plan comes with certain specific waiting periods. It is the specified duration for which the insured individual has to wait before some of the benefits become effective. Typically, a claim cannot be made within 30 days of policy purchase for illnesses. There is a waiting period of 24 months for named ailments and 48 months for pre-existing diseases that you have to serve.
Copayment, or ‘Copay’, is a specific amount or percentage that an insured individual has to pay from their pocket every time a claim is raised. Simply put, it is a cost-sharing concept between the policyholder and the insurance company.
Deductibles are an important aspect of health insurance. While it can reduce your premium, it can also increase your share when a health insurance claim is raised. Simply put, a deductible is the amount you have to pay from your pocket. To understand deductibles better, here is an example of how deductibles in health insurance work- For example, If your health insurance claim amount is Rs. 2,00,000 and your policy’s deductible amount is ₹50,000, then you pay ₹50,000, while the health insurance company pays the balance of ₹1,50,000.
A network hospital is a hospital with which your health insurance provider has collaborated to offer you, the insured individual, the advantage of cashless hospitalisation. When you are admitted to a network hospital, your insurer settles your medical bills with the hospital, saving you from the hassle of paperwork and running around arranging funds.
When you buy a health insurance policy, you need to choose a certain limit up to which your health insurance company will cover the medical expenses. The higher the sum insured, the higher the premium and vice versa.
When you buy health insurance, you need to understand that there will be some conditions that will not be covered. These limitations will be mentioned in your health insurance policy papers. Make sure you do not miss reading them.
These are health insurance products that help you in case you need more coverage. These policies, known as top-up and super top-up policies, can be purchased when you have a base policy.
If someone suffers from an illness before purchasing they purchase a health plan, it is called a pre-existing disease. Some common examples are diabetes, piles, asthma, hypertension, or high BMI.People with a pre-existing illness can also be eligible for health insurance. However, they generally have to pay a slightly higher premium. Also, a pre-decided waiting period has to be served as per the policy terms & conditions.
Claim Intimation in health insurance refers to informing insurance providers about the upcoming claim. This usually involves notifying the insurance provider about hospitalisation medical treatment before submitting detailed claim information. It enables insurers to be aware beforehand to streamline the subsequent claims processing.
Your health insurance policy comes into effect once you submit the claim form at the cashless hospital's TPA/insurance desk. However, if you happen to admit the patient to a non-network hospital, you can settle the claim but only through the reimbursement process. If you exhaust your sum insured, there's always a restoration benefit scheme provided by the insurer. That's why choosing an insurer with a high claim settlement ratio always helps.
A cashless hospitalisation claim is a facility offered by insurance providers to help policyholders access medical services without worrying about the availability of finances upfront. To use this facility best, one has to receive treatment in-network hospitals affiliated with the insurance provider.
The term reimbursement claim refers to the repayment of the claim. In this type of claim settlement, you pay the medical/hospitalisation bills for the availed medical treatment. And once you submit the bills to your health insurance provider, you get reimbursed by your insurer.
No claim bonus is an additional coverage offered under a health insurance plan to get the accumulated bonus for every claim-free year during the policy's tenure. It helps in reducing the cost of your health insurance premium. This add-on is an added advantage for not availing the claim amount.
Room Rent Proportionate Charges is a limit on the amount an insurer will pay for room rent per day during hospitalisation. If you exceed the room rent limit, you will have to pay the difference out of your pocket.
Room type refers to the kind of hospital room a policy covers. Common categories include general ward, semi-private room, and private room. The type of room you choose can directly impact the overall cost of your hospitalisation bill.
Smart select is a facility that allows an insured to not pay copay during cashless hospitalisation in one of our listed Smart Select Hospitals network. However, you must incur the copayment if you get hospitalised in a non-listed hospital. So, checking our list of Smart Select hospitals before getting hospitalised is advisable.
Sub-limit is a pre-determined capping applied by the insurer on certain medical expenses under your health insurance. It works as a limit on how much claim amount will the insurer pay for a given healthcare expense. Sub-limits are usually calculated in percentage form and applicable to both, cashless and reimbursement claim settlement.
First of all, you need to consider your medical condition before opting for a suitable medical insurance policy. How old are you? Are you carrying any pre-existing diseases like diabetes or hypertension? Do you have a medical history in your family? Are there any specific treatments or surgeries you are anticipating? You must have solid answers to all these questions to land on the best health insurance plan.
Suppose you are a family man, aged 40, considering a medical cover for yourself, your wife (aged 35), and your daughter, aged 9. Being a middle-aged nuclear family, you are less prone to chronic diseases. Ideally, it would be best to have a comprehensive healthcare scheme covering all major health risks and treatments.
Generally paid annually, the premium is the amount you invest with the insurer to receive health insurance benefits. The healthier and younger you are, the lesser premium rates you bear. However, factors like your lifestyle, drinking habits, city of residence, and family's medical history also affect your final premium pay-out.
Taking timely precautions is the need of the hour, especially under the current pandemic's constant health risks. Under preventive care, mediclaim policies cover COVID treatment, annual health check-ups, general OPD visits, diagnosis, medical tests, consultations, etc., done to analyse any severe health patterns beforehand. By paying the premium, you can avail of preventive care benefits under your medical insurance plan.
Ignorance, along with a lack of proper resources, often restricts people from investing in a health insurance plan. The increasing medical inflation, on the one hand, has made healthcare services expensive, and on the other hand, therefore, health insurance is also becoming expensive. What has to be conveyed to the masses is that the ever-increasing inflation is reason enough for them to invest in a suitable health insurance plan that offers coverage for them and their loved ones.
With just about 37% of the country’s population having health insurance, we still have a long way to go. Yet, the changes over the last few years have been quite positive. The health insurance industry in India is today a 12.86 billion dollar industry. As one of the largest sectors in the economy, there has been a steady rise in the growing coverage. Advancements in technology have transformed the country's health insurance industry.
As of April 1, 2020, the Insurance Regulatory and Development Authority of India (IRDAI) has directed all health insurance companies to include coverage for AYUSH treatments up to the sum insured. While some health insurance plans previously covered alternative treatments, they often had specific limits on the coverage.
When it comes to health insurance, alternative medicines are better known as AYUSH treatments, which stand for Ayurveda, Yoga, Unani, Siddha, and Homeopathy. These treatments are deemed safe and effective not just in India but all over the world. Studies suggest that the AYUSH treatment sector in India is projected to grow at a CAGR of 8.6% in the period between 2022-27. These treatments, also known as alternate treatments, rely on natural substances and therapies. This typically results in minimal or no side effects. Allopathic treatments, on the other hand, can often be accompanied by side effects that may overpower the benefits.
If you are looking for the perfect time to buy health insurance, we have the perfect answer for you, “Now”! The advantages of buying health insurance at a young age are manifold. Here are a few of them:
The National Pharmaceutical Pricing Authority recently reported an annual change of 12.12% in the Wholesale Price Index (WPI) for the year 2022, which was 10.7% in the previous year. With a constant year-on-year increase in medicine prices, medical tests, and hospital charges across India, families have realised the importance of affordable health insurance while facing a healthcare crisis. Your savings can take a serious hit when a medical emergency comes unannounced.Realising the importance of medical coverage is just the first step to experiencing the immense benefits of health coverage, especially in light of health-related uncertainties. Here are the top benefits of health insurance that make it an essential healthcare security cover:
As of now, the medical inflation rate in India is 14%, which makes healthcare costs skyrocketing. No need to fret about the financial rollercoaster of medical expenses, as with our comprehensive healthcare insurance coverage, we’ve got your back.
Expenses at the hospital can be financially exhausting. Having hospitalisation cover is a great help. At Care Insurance, we secure you against pre and post-hospitalisation expenses, ambulance charges, day-care procedures, domiciliary care expenses, and so on.
Treatment cover for life-threatening conditions comes as a blessing, which is available as a separate cover. Care Critical Illness Insurance is such an example, which covers 32 critical illnesses like cancer, cardiomyopathy, paralysis, blindness, and so on. The insured receives a fixed-benefit sum insured if any of these 32 diseases are diagnosed.
Your corporate health insurance may not be sufficient for your family. At Care Health Insurance, we offer affordable plans that help you cope with expensive medical costs, over and above your group health insurance plan.
With an expansive network of 22,900+ cashless healthcare providers, you can ensure that during a medical emergency at home, your focus remains on recovery and not paperwork. A convenient and stress-free claim procedure provides you with the flexibility and peace of mind you deserve.
At Care, we do not want to add up more to your burden, so we aim to draft customisable plans at affordable rates. With a number of health plans to offer, like an individual, family, senior citizen, critical illnesses, etc., we aim to lower your medical expenses at competitive premium charges.
The premium you pay for your health insurance can be utilised to avail of tax benefits, under Section 80D of the Income Tax Act, 1961. For example, individuals below 60 can avail of tax deductions of up to ₹25,000.
If you fall into the taxable slab, then your health insurance plan can fetch you tax benefits. Here’s how:
Policyholders | Deductions for premium paid for self and family | Deductions for premium paid for parents | Preventive Health Check-Ups | Tax benefit |
---|---|---|---|---|
Self and family below 60 years | ₹25,000 | - | ₹5,000 | ₹25,000 |
Self, family, and parents below 60 years | ₹25,000 | ₹25,000 | ₹5,000 | ₹50,000 |
Self and family below 60 years and parents above 60 years | ₹25,000 | ₹50,000 | ₹5,000 | ₹75,000 |
Self, family, and parents above 60 years | ₹50,000 | ₹50,000 | ₹5,000 | ₹1,00,000 |
A health insurance policy is crucial for safeguarding the well-being of your loved ones. In today’s disease-prone world, the right coverage can offer financial protection and access to quality healthcare services. In the unpredictable landscape of health, having health insurance ensures that your family is protected from the exorbitant costs associated with medical treatments.
In the event of illness or injury, a health insurance policy acts as a financial safety net. From hospitalisation expenses to medication costs, it covers just about everything. This safety net not only eases the burden on your finances but also guarantees that your loved ones receive the necessary medical attention without compromises. It empowers you and your family to seek medical assistance promptly, without the worry of expenses hindering timely healthcare. Regular health check-ups are also often included in health insurance policies, which can contribute to the overall well-being of your family.
Ultimately, a health insurance policy is an investment in the health and security of your loved ones, offering a vital safety net that promotes prompt, quality healthcare and financial stability in the face of unexpected medical challenges.
You should determine the ideal health plan for yourself and your family by evaluating the healthcare needs, age, and current health status of every member. To help you select the right health policies for every household member, we have created a scenario-based differentiation covering the different needs of individuals and families. Find out which scenario is most-relatable to you and secure yourself with our policy offerings-
Want to safeguard the health of your immediate and dependent family, including your spouse, children, and parents? Here’s a perfect choice: The policy covers your entire family’s medical needs with one comprehensive plan eliminating the struggle of maintaining several policies. With sum insured options up to ₹6 crores, the family plan offers the following features:
● A Single and Affordable Premium PayoutFamily Floater Insurance Policy
Young adults aged 35 years and below need a complete package of healthcare and financial security. To meet this need, you should choose our inflation-proof insurance: The policy comes with all-inclusive healthcare benefits that help keep young adults safe against medical crises. With a no co-payment clause and personal accident coverage, this health insurance policy offers the following benefits to early birds:
● Available on Individual and Family Floater BasisYouth Health Insurance Plan
Your parents and elders need special care when they turn 60 and above. If you are looking for adequate coverage for your elders to enjoy a stress-free and financially secured retirement, here’s your go-to choice: The senior citizen health cover supports older people in paying hefty medical expenses due to old age-related ailments. Available to both individual and floater basis, the policy holds the following unique features:
● No Pre-policy Medical Check-ups*Senior Citizen Health Insurance Plan
The treatment of cancer, lung disease, and other critical ailments can completely wash away your savings. So, if you are anticipating any chronic conditions among your family, do check our: The policy offers a shield against the medical treatment expenses of 32 critical ailments, like stroke, paralysis, organ transplant, etc. with the following benefits:
● Mediclaim Policy with Low Premium & Optimum CoverageCritical Illness Insurance
At Care Health Insurance, we aim at serving customers beyond basic health insurance services. We offer enhanced medical insurance policies with valuable features to meet the diverse medical needs of people across India. At our core, we're not just about health insurance; we're dedicated to exceeding expectations and making the best possible healthcare facilities within everyone’s reach. Care health insurance plans offer a diverse range of sum insured, starting from ₹3 lakhs to ₹6 crores, enhanced with various healthcare benefits like COVID and OPD care, cashless hospitalisation, day-care treatment, and annual health check-ups, among others.It's a spectrum of possibilities tailored to meet your unique healthcare needs.
Take a look at some of the features that make us one of the best health insurance companies in India:
At Care Insurance, we strive to provide our customers with some of the best health plans with wider coverage. Along with in-patient expenses, pre and post-hospitalisation, domiciliary hospitalisation, and organ donation, we also cover AYUSH treatment to ensure our customers choose the medical treatments of their choice through our long list of the best health insurance policies in India.
We offer affordable premiums for all our health insurance plans that align seamlessly with your budget. You can easily customise a plan as per your needs and pay the premium accordingly. To get an idea of the investment you’ll have to make, you can make use of the health insurance premium calculator.
We believe in empowering you with choices, that’s why there is no limit to your health insurance customisation. We believe in the different preferences of different customers and so you get an array of health plan options. Be it for individuals, family, your parents, an expecting mother, or critical illnesses like cancer, you get to choose from a number of available options.
If you want to insure your family, you can consider Care Health insurance plans such as Care Family Health Insurance, Senior Citizen health insurance, Care advantage with sum insured up to Rs 6 crores etc. Comprehensive coverage with a high sum insured can help you meet the medical needs of your whole family under one plan. Pick a plan that best suits your health needs.
Cashless benefit has further made health insurance a hassle-free experience. In order to avail of cashless claims, one has to receive medical treatment from one of the network hospitals. Care Insurance has 22900+ cashless healthcare providers with 9747+ network hospitals. Hence, it is very easy to avail cashless benefit during a hospitalisation.
With the introduction of both online and offline claim filing options, the claim procedure has become quite easier. We understand the value of quick claim approval, and so, within a short span of time, the claims are approved and settled.
You may have several queries regarding your health insurance policy, and visiting a nearby office may not always be possible. Fret not, we got your back! With our live chat feature and quick customer care support, you can clear out all your doubts in no time.
On the website, you can easily spot the live chat feature or get a call back from our executive to resolve your query. Alternatively, you can reach us at our toll-free number 1800-102-4499 for sales and +91 88604 02452 for service-related queries. You can also receive policy updates on WhatsApp as well.
We ensure people receive quality medical facilities without worrying about arranging funds to pay for hefty hospital bills. Along with the standard healthy policy offerings, Care insurance policies are complemented with add-on perks like:
Thus, a health insurance policy is a vital protection shield to buy for oneself and the family's financial security against unexpected medical crises. With Care Health Insurance, it's a personalised journey towards a healthier, secure future.
With Care Insurance, you get some of India's best health insurance plans designed to meet our customers' diverse medical needs. Below are all the types of health coverage that we offer:
As the name suggests, it is for individuals, primarily young-aged people with no medical condition to enjoy long-term healthcare security. This individual health insurance policy assures the entire sum insured solely for covering the insured individual's medical expenses. It also covers various other costs, including pre and post-hospitalisation expenses, maternity benefits, and much more. These plans are often a little more expensive than family floater plans as there is no sharing of the sum insured; each individual has their own coverage.
Under family floater health insurance, you can cover a maximum of 6 family members in one policy against a single sum insured. This policy is to safeguard the health of your entire family. Also, you can add multiple nominees to this plan. The premium amount in family floater plans is comparatively lower than individual plans, as the sum insured is shared among all the members under the plan. It covers the medical expenses for hospitalisation and treatment during an emergency or planned admission.
A common myth about health insurance is that there are not many options for seniors. This is absolutely incorrect. Senior citizen health insurance plans are aimed at offering specialised healthcare services suited for the elderly who have crossed 60 years of age. They can offer financial assistance to senior citizens who don’t have a fixed income. Under a senior citizen healthcare insurance plan, older people can also avail of services such as cashless hospitalisation, home and day-care cover, AYUSH treatment, COVID care, etc. It is the best way to give your old parents a healthy and peaceful life after retirement.
Motherhood is the most crucial phase in a woman's life. Although the journey is challenging, a sound medical policy ensures relaxed hospital coverage throughout pregnancy.If you are planning to get married or start a family in the near future, you should opt for maternity insurance in advance. It covers your pregnancy-related expenses related to normal delivery, caesarean, pre and postnatal, post-delivery care, and vaccination. Maternity insurance ensures premium medical facilities at affordable rates for the mother and her newborn.Buying it at the right time would help you serve the waiting period and thus make the most of the coverage.
Pre-existing diseases are the illnesses one may suffer from before they purchase a health plan. With age, our elderly family members often suffer from specific medical conditions like diabetes, hypertension, or high BMI. At Care Health Insurance, we offer medical insurance plans that cover pre-existing conditions, too with a reduced waiting period. These healthcare plans come with special features like daycare treatments, home care, annual health check-ups, and more to care for people with diabetes, high B.P., and BMI.
Incidences of life-threatening diseases are increasing in India at an alarming rate. Critical illnesses such as cancer, stroke, heart ailments, and organ failure can eat away your savings in the blink of an eye. Insurance for critical conditions covers the treatment of all these diseases. It mitigates your hospitalisation expenses along with medication up to the sum insured. Most critical illness plans are fixed benefit plans where a defined payout is made at the time of diagnosis of the listed disease. The money can be used to pay for the treatment or for meeting any other financial requirements.
Different plans by Care Health Insurance offer different add-on benefits. Take a look at the different options to increase the coverage of your health insurance policy.
While most of our health insurance plans have standard eligibility criteria, you can check the desired policy for any specific conditions, like co-payment and waiting period,etc:
Minimum Entry Age | Individual- 5 years | Floater- 91 days with at least 1 insured person of age 18 years or above |
Maximum Exit Age | Lifelong for Adults |
Tenure Options | 1/2/3 Years |
Cover Types | Individual and Family Floater basis |
Waiting Period | 30 days for illnesses, except injury | 24 months for named ailments | 48 months for pre-existing diseases |
Grace Period | 30 days to renew your policy post expiry |
Insurance for medical expenses provides you with comprehensive financial protection in the time of urgent need by covering various medical expenses apart from the bills you incur during hospitalisation. The coverage provided is subject to the policy terms and conditions. The expenses covered in in health insurance policies are:
The best medical insurance plans also give maternity benefits as an optional cover for delivery-related expenses. Also, various add-ons are available at an additional premium, including OPD Care, where OPD expenses like OPD consultations, diagnostics, and medicines, are covered.
Disclaimer: Please check our product pages and prospectus for more details.
Exclusions of a health insurance plan refer to the medical conditions that are not covered. It means that the insurer is not obliged to pay for such medical conditions. At Care, we want all our customers to be well-informed policyholders, and we urge that you unveil the fine print. Knowing these exclusions helps ensure there are no surprises for you, when making a claim.
Health insurance is a vital aspect of financial planning, yet various misconceptions surround it. Let us take a look at the most common health insurance myths, and help you understand what is a myth and what’s not.
It is a common myth that only seniors require health insurance to cover the medical expenses of age-related issues. Among younger people aged >50 years, the incidence of cardiovascular disease has been rising due to their poor lifestyle, deficiency of nutrients, and lack of exercise for calorie burn. Therefore, health insurance plans are vital for everyone. If you buy it at an early age, you won’t have to pay an expensive premium. You will be able to buy it at cheaper premium rates. Furthermore, you have to wait for 4 years to get coverage for pre-existing diseases. Hence, use your wisdom and be a smart investor while choosing a health insurance plan.
Another common myth. While your coverage will start as soon as you buy the plan but you’ll have to first serve a waiting period. This is a 30-day period during which a claim cannot be raised, except for an accidental injury. When you buy a health insurance policy, you should enquire about your policy’s waiting period. For coverage of certain treatments, you may have to wait for 2 or 4 years.
Absolutely not! While the cheapest policy sure looks attractive, you should carefully think about why you want this plan and what benefits you expect from your plan. You should never make the prices the only criteria for choosing the plan. You might not be able to get the required benefits from your plan if it is cheap. Therefore, make sure that the plan that you have been buying is offering you comprehensive coverage for all your medical expenses.
Another myth that needs to be debunked right away, as it tends to restrict a lot of people from buying a health insurance policy. It is not correct to think that you are not eligible to buy health insurance because of your pre-existing disease. You can buy it right now without any ado. However, you have to complete the waiting period of 2 to 4 years. But the good thing is that you can choose an add-on cover i.e. reduction in the PED waiting period to reduce the waiting period.
While it is a great perk to have corporate group health insurance, you should not entirely depend on it. In most cases, a group plan will offer you limited coverage because its premium is deposited by your employer. In case you lose your job, you will lose your health insurance policy also. Furthermore, group health insurance might not be able to beat medical inflation. With a modest sum insured, you won’t be able to cover the medical expenses for critical illness and hospitalization. Hence, think of buying an individual health insurance plan, over and above the group coverage.
Despite a comprehensive plan, not all your bills will be covered by your insurer. Read the policy wording, and understand its terms and conditions. You need to know about exclusions, which are conditions that are not covered under your health insurance plan. Similarly, you should know about the co-payment clause of your insurer where you need to bear a part of the claim amount. Additionally, you can’t claim the uncovered expenses.
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 form 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 respond 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 respond to the query raised by the claim management team
Rejected
We will communicate the reason in case of rejection
Whether you are filing for a cashless or reimbursement claim process, some paperwork would be required. Typically, in the case of a cashless claim, the documentation is minimal, and most of the formalities would be completed by the TPA. The reimbursement claim procedure would require you to submit all the paperwork so that there is no delay in verification. It is suggested that you keep the following documents handy to ensure a smooth and quick claim settlement process:
The best part about the online availability of health covers is the secure payment gateways. With easy-to-follow steps and trust-backed payment partners, we offer you a seamless experience of buying online health insurance. Also, our digital portal enables you to effortlessly make premium payments through a hassle-free digital payment gateway. Welcome to the future of hassle-free health coverage with Care Health Insurance!
Here is a quick 6-step guide you should follow for making online insurance payments:
Embrace the ease of securing your health online, with our digitally-enhanced portal. All you need to do is simply select your preferred health cover, fill up the details, and pay through secure transaction modes. Here’s why and how we ensure customer-friendly purchase a medical insurance plan online:
Say goodbye to scheduling countless appointments with agents to understand policy details. We provide an all-digital policy selection experience wherein you can study, compare, choose, and pay for your insurance anywhere, anytime across India. With Care Health Insurance, policy enlightenment is just a click or call away!
Our team is always available for all your queries concerning the terms and conditions of our healthcare policies. By accessing the live chat option, you can quickly discuss any policy-related matter at your convenience. No appointment is required.
We facilitate digital premium calculators to help you evaluate and opt for customised healthcare insurance for your family members.The ability to choose your desired health coverage and optional benefits helps us serve you the best mediclaim policies.
Our fortress-like secure payment gateways offer various digitally secure modes, including credit/debit cards or net banking. Once purchased, you will receive authentic policy documents immediately.This way, we help you get an instant mediclaim policy in less than an hour.
What we promise on paper is what you get in times of emergencies. All our healthcare insurance plans include all the terms and conditions for your ready reference. Our commitment to transparency knows no bounds!
While browsing online through our mediclaim policies, you can easily check out other add-on benefits. These include OPD care, co-payment waiver, and reduced wait time for pre-existing diseases, among others, to cover your specific needs.
Every medical policy terminates when the term for policy ends. That’s why renewing a mediclaim is crucial to ensure uninterrupted healthcare coverage and added advantages like no claim bonus, coverage for a pre-existing ailment, etc. The process of renewing insurance involves the following steps:
The way you buy health policy online, you also have the facility to renew your health plan through the digital mode, thus saving much effort.
We adhere to the underwriting process and consider many factors on which your insurance premium will depend. Listed below are some determining factors:
You can now calculate the premium using a simple digital calculator designed especially for medical policies. This tool helps you get the right estimate of the amount of premium you will have to pay for your policy. It considers various factors to calculate the premium, including the information you have entered. Here are the steps to calculate your premium:
We offer three policy estimation options: family cover, pre-existing diseases cover, and senior citizen insurance. The premium calculator will automatically calculate the amount you must pay to be eligible for the coverage. You can check the premium and critical benefits in your base mediclaim insurance policy.
You know by now that your health insurance premium is not a random number but a thoughtful calculation based on some unique facets. From your health history to lifestyle choices, our underwriting process ensures a personalized touch. However, there are still some easy tips and tricks that can allow you to reduce your health insurance premium without cutting back on the coverage.
Want to get health insurance at a cheaper rate? You should invest in a health insurance plan at an early age. Age is the primary factor that influences the cost of your premium. With your age, your premium amount also rises because you become more prone to critical health issues in your old age. In contrast to this, the young age is generally considered to be risk-free. Therefore, you can buy it at a lower premium amount when you are young.
Instead of opting for an expensive health insurance plan, you can play it smart and opt for the right add-ons. These add-ons are designed to cater to your health needs as per your pocket. With the right add-ons, you can get guaranteed medical coverage in times of need.
Understand the fact that health insurance plans offer tax benefits. You can maximise your tax deductions by paying a premium for your parents, who are above 60 years of age. Get in touch with an expert to easily reduce the burden of expensive premiums from your shoulders.
When you start exploring health insurance plans and add-ons, you will get several options that will lure you. But you should not opt for that plan for which you have to bend over backwards. Non-payment of timely premiums will lead to a policy expiry. Hence, make a wise decision. Choose only that plan that you can afford comfortably.
You can choose the high amount of deductibles and co-payments to reduce the burden of premiums on your shoulders. Deductibles and co-payments are fixed amounts that the insured has to pay before availing of the benefits of coverage. While this will minimise your premium, keep in mind that it will make your share in claim settlement higher. Therefore, you should go with this option with careful consideration.
Another way to reduce your health insurance premium is to choose a policy with a longer tenure. This can give you the benefit of concessions on the premium amount.
The simplest way to keep the premium under control is to follow a good lifestyle. If you are suffering from pre-existing diseases while buying a health insurance policy, the amount of your premium will also rise. Hence, it is vital to avoid alcohol, cigarettes, and caffeine as they can pose the threat of serious health issues. Furthermore, you should incorporate nutritious food, a good amount of water intake and regular exercise into your daily routine.
Yes, health insurance policies by Care Insurance provide standard coverage for COVID-19 treatment expenses across the network of hospitals.It helps individuals and families safeguard themselves from the constant risk of COVID-19 treatment costs. Our medical policies cover the standard hospitalization expenses related to COVID-19 infection contracted by any insured member. To deliver the best health insurance policy, we promise quick and quality COVID-19 treatment across our network of hospitals and health centres.Also, policyholders can enhance their health insurance plans by opting for additional COVID-related benefits, like COVID Care and COVID Care with OPD, as offered under specific policy terms.
Buying the most suitable health plan involves careful planning and consideration of various factors. Investing in the right medical cover is a wise yet difficult decision for the well-being of yourself and your loved ones. But how choosing the right plan can be an overwhelming task.
To understand which is the best medical insurance in India, you must study the scheme for the following advantages:
There are more than one reasons to port your policy to Care Health Insurance. As an insured person, we promise you unique benefits with lifelong renewability under most of our health insurance plans. Porting a medical plan is easy and can be done before the policy renewal stage. Just notify your existing insurer at least 45 days before the policy renewal date of an existing medical cover.
You will be able to retain your policy benefits and accrued bonuses and transfer the time-bound exclusions, including credit for the waiting period for pre-existing diseases. It is possible to port a policy from one insurance company to another and from one health insurance policy to another policy with the same insurance company.
Here is a step-by-step guide to port your health insurance scheme and get covered under Care Health Insurance plans:
Step 1
Duly fill the portability form with the existing insurance details, including the name of the insured person, their age, etc.
Step 2
Fill up the proposal form with relevant details and submit the required documents along with it.
Step 3
The requisite data will be furnished on the official portal of IRDAI.
Step 4
The new insurance company will underwrite the proposal and inform the policyholder within 15 days.
When you port a health insurance policy to a new insurance provider, the aim is to get better services and coverage. Keeping in mind the following aspects will help you in a seamless transition.
Before switching to a new health insurer, it is vital to inform the current insurer. You should write an application for this purpose. You can make this request to your insurer at least 45 days before your policy’s renewal. Also, keep in mind to avoid making this request before 60 days of the renewal.
Let’s understand how to make the portability permission request. You should write an application in which you have to mention the name of your new insurer and other personal and details. Once you apply, your application will be reviewed and you will receive an acknowledgement within 3 business days.
When you decide to port your health insurance policy to a new insurer, you should enquire about the premium. You should check whether its premium will increase or decline on porting. The change in premium indicates the changes in your coverage or benefits. So, gather this information before you finalise the porting.
If you are thinking of switching to a new insurer to enhance coverage or benefits, you should check for the available add-ons. You can buy the add-ons of your current insurer to avail of the extended benefits.
You should understand the waiting period cycle before you port to a new insurer. Simply put, the waiting period is divided into three parts.
Hiding your medical history when you make a porting request to the new insurer can be a mistake. Your new insurer may or may not make you undergo a medical test. In case you have been suffering from any chronic illness or severe comorbidities, your porting request may be rejected. Because in such medical cases, the threat of hospitalisation and the frequent visits to check-ups or treatment always persists.
Obviously, you have decided to port to a new insurer because you are optimistic about new benefits there. Hence, you should try to choose a higher sum insured when you port.
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The amount of insurance coverage you will need depends on your medical needs, age and health risks, the city you live in, and various other factors. Also, you must consider the treatment costs for your specific health condition before deciding how much sum insured is enough for you and your loved ones.
At Care Health Insurance, a 5-lakh medical cover starts with a premium as low as Rs. 358/month, subject to specific policy terms and conditions. Factors like the sum insured, type of coverage, policy term, count and age of insured members, and their pre-existing medical conditions, impact the chosen health plan’s premium cost.
Yes, you can get immediate coverage under medical policies for any accidents or injuries. However, you can only avail of the policy's coverage for any illness-related hospitalisation after a standard waiting period of 30 days from the day your policy becomes effective.
The earlier you get a health cover, the lesser the premium you get to bear. The premium costs of health plans increase with age. Besides, the chances of having a pre-existing health condition also increase as we grow older– resulting in an increased premium. Thus, going for a health cover early in life is a wise decision.
Network hospitals are empanelled with a health insurer and provide you with cashless medical treatment. Here, you can present your health card to avail of a cashless hospitalisation facility and the insurer will directly settle the claim with the hospital. Whereas, non-network hospitals are not empanelled with the insurer and thus require reimbursement claim filing.
A waiting period is a pre-defined number of days you must wait before raising a claim under a standard health insurance plan. There are three types of waiting periods, namely– an initial waiting period of 30 days, a waiting period for pre-existing diseases, and a waiting period for specified ailments/ treatments.
Your health plan will expire if you do not pay the premium by the policy period end date. However, even if you miss the premium due date, you will be allowed a grace period of 30 days immediately following the policy period end date to pay the renewal premium. The policy will not provide coverage during the period of unpaid premium. Neglecting your mediclaim insurance premium is like playing a risky game. Letting the due date slide means your coverage will leave you without the magical safety net promised in your policy. So, try not to let your health plan expire.
A no-Claim Bonus (NCB) that is given to the policyholder for not raising any claim during a policy year. It is a bonus amount that becomes available as an increased sum insured for every claim-free year. The NCB amount will not exceed 50% of the sum insured under any medical policy insurance. The accrued bonus is reduced by 10% in the next policy year, if the insurer claims in a policy year.
Pre-existing diseases are illnesses, injuries, or related conditions for which a medical practitioner diagnosed a person within 48 months before the effective date of policy issuance by the insurer or its reinstatement. Yes, Care Health Insurance policies cover pre-existing medical conditions but come with a waiting period as per the chosen policy.
With our medical insurance, you get a chance to increase your savings as you become eligible to get income tax benefits under Section 80D of the Income Tax Act. That is, you will be allowed to claim a tax deduction on your policy premium for which you have made a payment to us.
The sum insured refers to the maximum coverage amount or pay-out that an insurer will be liable to pay an insured in case of an unforeseen medical emergency or planned medical treatment. The claim amount that exceeds the sum insured will have to be borne by the insured person.
Yes, you can buy yourself multiple health policies. If you have opted for more than one indemnity-based plan with other insurers or us, then you can opt for any of these plans to settle your claims, provided that the claim amount payable is up to the sum insured of the chosen policy. If the claim amount under a single policy exceeds the sum insured, you have the right to select the insurer to settle the claim.
Yes, you can include ageing parents in your health insurance plan easily by informing us during renewal. However, for elderly parents above 60 years, we recommend medical insurance for senior citizens that will better meet their age-related healthcare needs.
Insurers consider the habit of smoking as a factor when assessing your health risks and calculating insurance premium rates. Generally, smokers need to bear a higher premium for any health cover, given that smoking makes people more vulnerable to chronic diseases and other health hazards.
Yes, an insured person is allowed a grace period of 30 days immediately following the policy period end date to pay the renewal premium for a Care insurance policy. You can the premium within the grace period to renew the benefits of your medical health insurane policy.
Yes, it is wiser always to have separate healthcare insurance besides the employer health plan because the corporate plan does not offer extensive coverage, no tax benefits, and customisable features. Thus, it is better to protect your finances and health with a separate cover that meets all your healthcare needs effectively.
Yes, you can include your children aged 5 years or above under an individual health plan. For children under 5 years of age, you can include them in a family floater plan with other family members who are 18 years and above.
Yes, our Yes, our specialised health insurance plans cover various expenses under advanced medical treatments, including robotic surgery and modern-day care treatments. We offer cover for more than 541 daycare procedures.
Pre-policy medical tests are usually required for older individuals, those with a pre-existing condition, or opted for a higher sum insured. However, it is best to go for a medical check-up when opting for a health insurance plan to ensure hassle-free claim settlement.
You can increase the sum insured of your health plan at the time of policy renewal. The same can be done after specific medical tests and a revision of the claim history. But the sum insured cannot be increased further if the existing sum has already met the sum insured limit of your policy.
For a cashless claim, you need to submit the pre-authorization form at the hospital's TPA desk. Also, you need to present your health card and identity proof at the network hospital. Under a reimbursement claim, submit the claim form and documents, such as identity proofs and hospital bills. The details required include name, contact information, policy number, past medical history, proposed line of treatment, duration of treatment, etc.
Yes, your health insurance claim may get rejected for several reasons, like incorrect facts, non-disclosure of pre-existing conditions, claims under exclusions, etc.
Yes. Under our Maternity Health Insurance plan, the expenses of an expecting mother and the newborn baby (up to 90 days) are covered. Expenses for daycare treatment, in-patient costs, expenses on pre and post-hospitalisation, room charges, etc. are covered.
Yes. Alternative treatment like AYUSH (Ayurveda, Yoga, Unani, Siddha, and Homeopathy) is included in most of the Care Insurance plans.
Yes. There are various ways in which you can enjoy a relatively cheaper health insurance premium. It depends on factors like who you are insuring, your location, credit score, past claim history, no claim bonus, any on-going discount/offer, higher deductibles, policy term etc.
*Please read the policy T & C, brochure, and prospectus to know more about our medical plans cover as it may vary.
#Tax benefit is subject to changes in tax laws. Standard T&C Apply.
**Number of Claims Settled as of 31st May 2023
^10% discount is applicable for a 3-year policy
~~Premium calculated for an individual (Age 18) for sum insured 5 Lakhs in Zone 2 cities with Care Supreme Policy.
^^ Number of Cashless Healthcare Providers as of 30th June 2023
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