Care Plus Health Insurance

Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

• Private Single AC Room
• Twin Sharing
• General Ward

Coverage status under Care Health Care Plus Plan?

Under Care Health Care Plus Plan, ICU charges

• 2% of SI per day for SI<5L
• No Limit for SI>=5L

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Care Health Care Plus Plan?

Under Care Health Care Plus Plan, ICU charges

• 2% of SI per day for SI<5L
• No Limit for SI>=5L

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Care Health Care Plus Plan?

This plan covers medical expenses incurred during pre-hospitalization for up to 60 days.

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Care Health Care Plus Plan?

This plan covers medical expenses incurred during post-hospitalization for up to 90 days.

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under Care Health Care Plus Plan?

Under Care Health Care Plus Plan, domiciliary hospitalization is covered up to SI.

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Care Health Care Plus Plan?

This plan covers the expenses of all daycare procedures up to SI.

The cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under Care Health Care Plus Plan?

Covered under the plan.

Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Care Health Care Plus Plan?

COVID-19 treatment coverage is not available under this plan.

A common eye condition in which your vision gets blurred.

Coverage status under Care Health Care Plus Plan?

The plan does not cover cataract treatment expenses.

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Care Health Care Plus Plan?

The cumulative bonus will be increased by 50% in respect of each claim-free policy year to a maximum of 200% of the sum insured.

Automatic restoration is a benefit in which the insurance company restores the total sum insured after it gets fully exhausted in treatments.

Coverage status under Care Health Care Plus Plan?

Applicable, unlimited automatic restoration is available under Care Plus Plan.

It is a cash amount that you will get each day during the time of hospitalization.

Coverage status under Care Health Care Plus Plan?

The daily hospital cash is not available.

Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Care Health Care Plus Plan?

Under the plan, Organ Donor expenses are covered up to SI.

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under Care Health Care Plus Plan?

Maternity expense is covered if chosen as an optional benefit.

• INR 15K for SI <=5L
• INR 25K for SI> 5L

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new born cover and these common treatments can vary from plan to plan:

• Congenital anomaly (conditions since birth)
• Acute condition
• Chronic condition
• Pre-mature delivery
• Birth asphyxia
• Day care treatment

Coverage status under Care Health Care Plus Plan?

New Born Baby Cover is available if chosen as an optional benefit.

• INR 15K for SI <=5L
• INR 25K for SI> 5L

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Care Health Care Plus Plan?

Covered Up to 10% of SI.

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

• Full infertility
• No fertility
• Infertility diagnosis
• Infertility diagnosis and limited fertility treatment
• Medication (which may or may not include fertility drug prescriptions)

Coverage status under Care Health Care Plus Plan?

Not available.

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Care Health Care Plus Plan?

Under Care Health Care Plus Policy modern treatments are covered up to SI.

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under Care Health Care Plus Plan?

Covered Up to Rs.2,000 per hospitalization

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Care Health Care Plus Plan?

Covered Up to SI or a maximum of 5 Lacs per policy year, whichever is lower.

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under Care Health Care Plus Plan?

Not available

Any kind of medical/health emergency when you are outside of India.

Coverage status under Care Health Care Plus Plan?

Not available

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Care Health Care Plus Plan?

The plan covers the expenses for unlimited e-consultations with general physicians.

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under Care Health Care Plus Plan?

Under the Care Plus plan health checkup is available.

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.

Coverage status under Care Health Care Plus Plan?

Available, once in a policy year (per member).

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Care Health Care Plus Plan?

The plan does not cover vaccination expenses.

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Coverage status under Star Health Gain Plan?

Applicable, 20% co-pay on all claims in case treatment is taken in a non-smart select network hospital.

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Coverage status under Star Health Gain Plan?

Applicable,

• Room rent: 1% of SI per day for SI<5L/ Single Private AC Room for SI=>5L.
• ICU charges: 2% of SI per day for SI<5L/ No Limit for SI>=5L
• Maternity and New Born Cover: INR 15K for SI <=5L / INR 25K for SI> 5L
• Road Ambulance Covered Up to Rs.2,000 per hospitalization

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

15% discount (Discount will be applicable on base benefit premium and optional Benefit: Maternity and newborn cover premium)

Care Plus provides you with the optional benefit of getting an international second opinion once per major illness/injury per policy year.

Care Plus offers a wellness program that rewards customers for staying and maintaining a healthy lifestyle further allowing them to Earn and Burn the reward points

Care Plus offers online health services through their health portal offering services like doctor on chat, healthy tips reminder, digital locker for medical records, etc. and offers discounts on services at our network.