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Overview
Care Health provides Group Health Insurance, Group Personal Accident Insurance, and Group Travel Insurance. Care Health Insurance has offered over 11,000 corporate policies across more than 25,000 locations in India. Care group health plans offer features like customised coverage, coverage for partial and permanent disability, and trip delay.
With Care group health insurance plans, employees can cover immediate family members. Additionally, you get a corporate buffer, paperless claim settlements, online risk assessment, and digital accessibility. The claim settlement ratio for Care Health was 92.77% for FY 2023-24.
Care group health plans are designed for personalised business needs. Explore the inclusions, exclusions, features, and benefits of Care group plans below.
Benefits of Care Group Health Plans
Listed below are the benefits of Care group health plans:
| For Employees | For Employers |
|---|---|
| No pre-policy medical check-ups; coverage starts from day one. | Customise sum insured and policy benefits to suit the majority of employees. |
| Tax benefits available on group health premiums under Section 80D of the Income Tax Act, 1961. | Tax benefits are available under Section 80D of the Income Tax Act, 1961. |
| Health check-up camps and health insurance awareness camps. | Helps in retaining employees by offering mental peace and comprehensive healthcare coverage. |
| Additional riders and benefits for personalised coverage. | Care group health insurance offers competitive pricing to organisations. |
| Access to all policy-related documents and queries via the Care Health App. | Dedicated relationship managers for corporate health plans. |
Exclusions
Permanent Exclusions
Permanent diseases or health conditions that are not included under Care Group Health Exclusions are:
- Hospitalisation due to war, riot, strike, or nuclear weapons
- Intentional self-injury
- AIDS
- Infertility and in vitro fertilisation
- Miscarriage and abortion
- Congenital disease
Coverage After Waiting Period
Certain diseases and treatments are covered under Care Health group plans after a waiting period:
- Specific diseases after 2 or 3 years
- Pre-existing diseases after 4 years
Conclusion
Care Health Group Insurance is a reliable choice for comprehensive health coverage, offering tailored plans for diverse needs. With an extensive network of over 21,600 hospitals and a focus on customer-centric services, it provides peace of mind for individuals and families. By prioritising affordability and accessibility, Care Health ensures quality healthcare is within reach. Choosing Care Health Group Insurance means investing in a secure and healthy future, backed by a trusted name.
To learn more about Care Health Insurance plans, connect with our expert advisors. We offer expert insurance advice.
