Care Plan

Overview

Care Health Insurance Plan is a comprehensive medical policy for individuals and families. It is an ideal plan for those who want a higher sum insured option to secure their present and future from medical expenses. Care medical policy from Care Health Insurance company has got you covered for all modern-day healthcare needs.

Care Health Insurance Plan Riders

Care Plan offers a myriad of optional riders to cover your specific requirements:

• COVID Care with OPD

  Get COVID treatment with up to 1% of Sum Insured as OPD benefit. Benefits available under this rider include:

  • In-patient care
  • Day care treatment
  • Quarantine coverage (Sub-limit up to 1% of Sum Insured per day, maximum 30 days)
  • 30 days of pre-hospitalization
  • 60 days of post-hospitalization
  • OPD expenses such as pharmacy expenses, patient consultation, etc.

• COVID Care

  Covers the cost of treatment for COVID-19 with a confirmative diagnosis from a Government-approved Centre. Benefits available under this rider include:

  • In-patient care
  • Day care treatment
  • Quarantine coverage (Sub-limit up to 1% of Sum Insured per day, maximum 30 days)
  • 30 days of pre-hospitalization
  • 60 days of post-hospitalization

• No Claim Bonus Super

  This rider offers a 50% increment in the sum insured for every claim-free year, up to a maximum of 100% of the Sum Insured per policy. It also offers a combined benefit of a no-claim bonus and a no-claim bonus super, resulting in a 60% increment in sum insured for every claim-free year. If a claim is made in any year, the no-claim bonus and no-claim bonus super will decrease at the same rate at which they arose.

• Reduction in PED

  Reduces the pre-existing disease waiting period from 48 months to 24 months.

• OPD Care

  Covers expenses incurred on doctor consultations, pharmacy, and medical tests. You can opt for coverage ranging from ₹5,000 to ₹50,000.

• Unlimited Automatic Recharge

  Sum insured can be recharged unlimited times.

• Everyday Care

  Coverage for doctor consultations and diagnostic tests up to 2% of the sum insured.

• Daily Allowance

  Provides a certain amount of cash for each day during hospitalization to cover non-medical expenses such as food and transportation. A sum is paid to the insured person for each day of hospitalization (maximum up to 30 days). This amount will double in case of hospitalization in an ICU.

• Global Coverage

  Get cashless treatment across listed network hospitals outside India.

• International Second Opinion

  By adding this rider to your Care Plan, you can consult international doctors across the globe to get a second medical opinion.

• Air Ambulance Cover

  Covers the expense of necessary air ambulance services.

• Co-payment Waiver

  By choosing this rider, you can waive the 20% co-payment if the insured or the eldest insured member is 61 years or above.

• Care Shield

  A combination of three additional benefits:

  • Claim Shield: Covers non-payable expenses like gloves, masks, etc.
  • No Claim Bonus Shield: Applicable if the claim amount is less than 25% of the Sum Insured.
  • Inflation Shield: Sum Insured will increase at every renewal on a cumulative basis.

Exclusions

Permanent Exclusions

• War-related injuries
• Cosmetic or plastic surgery
• Injuries from suicide attempts
• Injuries from adventurous sports
• Hospitalization due to alcohol and drug abuse
• Tests and treatments for infertility and in vitro fertilization

Coverage After Waiting Period

Certain diseases and treatments are covered under this plan after a specific waiting period. Read the details below:

• Pre-existing diseases after 48 months
• Assisted reproductive treatment after 36 months
• Initial waiting period after 30 days
• COVID treatment after 15 days

Care Health Insurance Plan Premium

To give you an idea about Care Plan premiums, we have shown different sample premiums based on different Sum Insured values and the number of members covered. Have a look:

Sum Insured: 5 Lakh

Sum Insured: 20 Lakh

Sum Insured: 50 Lakh

Sum Insured: 1 Crore