List of Diseases Covered Under Care Health Insurance

The main motive of health insurance is to provide coverage against any undesired and unwelcome situation that may lead to financial loss. Care Health Insurance has orchestrated numerous insurance policies that cover many fatal diseases and unexpected events such as an accident. It is important to familiarize yourself with the policy you are going to purchase by thoroughly reading the policy documents. This will give you a clear view of diseases and events that will be covered under the policy. Here is the list of diseases covered under Care Health Insurance.

Accident-Related Expenses

Care health insurance has designed its health insurance plans in such a way that they cover accidents. 'Care Personal Accident Insurance policy covers injuries caused by an accident and hospitalization followed by the accident. Additionally, policies from the company offer death cover and convenient cashless health insurance facilities available at the network hospital of the company. It is important for an individual to opt for accident-related health insurance offered by Care because it safeguards you and your family against financial loss from unexpected events like accidents.

COVID -19

Care Health insurance offers coverage for coronavirus treatment. Plans like 'Corona Kavach' and 'Covid-Care' cover hospitalization, day care treatment, and quarantine cover. The company has lowered the waiting period for these plans to 15 days. These comprehensive plans provide nationwide coverage and prepare the policyholder against the looming risk of infection.

Cancer

Care Health Insurance company provides all-inclusive coverage for cancer treatment including hospitalization, medication, chemotherapy, and radiotherapy. Treatment of cancer is expensive, so having a good policy by your side will help you financially and provide you peace of mind. 'Care Cancer Insurance' plan offers the policyholder annual health check-ups and quick recovery counselling.

Diabetes

Diabetes, high BP and high BMI always demand extended treatment, causing the financial strain for an individual. That is why plans like 'Care Health Insurance for Senior Citizen' and '1 Crore Health Plan' act as a safety net covering diabetes, BP and High BMI expenses for their treatment and their related complications. Even an individual with pre-existing BP or diabetes can avail of the coverage after completing 24 months of the waiting period, under the plan 'Care Pre Existing Disease Cover'.

HIV/AIDS

Battling a life-threatening disease like HIV/AIDS is very difficult emotionally and financially. Health Insurance plans offered by Care cover hospitalization and treatment expenses. The HIV/AIDS policy offers domiciliary hospitalization, daycare treatment, ambulance expenses and AYUSH treatment. With this comprehensive support, the policyholder can access the best medical care and live a healthier life.

Critical Illness

Alcohol consumption, sedentary lifestyle, poor eating habits, and work-related stress can affect your health significantly. This can lead to serious health issues which if not addressed timely could be life-threatening. However, with the escalating medical cost, access to quality treatment can be challenging without any health insurance coverage. 'Care Critical Illness Insurance' plan offers coverage for 32 different critical illnesses, providing a high level of protection at an affordable cost.

Heart Ailments

As we all know the heart is the most important organ in the body and one must monitor its health regularly. A policy like 'Care Heart Health Insurance' for individuals with heart conditions provides coverage for various cardiac problems and pre-existing ailments. The company also includes annual cardiac health check-ups in their plan like 'Care Heart Mediclaim'.

Specific Diseases

Typically health insurance companies have a waiting period of a minimum of 30 days from the commencement of the plan till the date the policyholder can avail of the coverage. However certain diseases such as Joint Replacement, Arthritis, Cataract, Ligament Repair, Hernia, Spinal Disorder, Osteoporosis, and Gout have a specific waiting period of 24 months. So, these conditions are covered under the policy claims and only can be filed after the completion of the designated Waiting Period.

List of Disease Not Covered Under Care Health Insurance

There are many diseases which are excluded from the coverage list for the company and the list is as follows:

• No coverage for disease or surgery within 30 days of commencement of the plan.
• Self Inflicted injuries such as suicide are not covered.
• Treatment related to pregnancy, childbirth, miscarriage, and abortion is excluded from the list.
• Congenital Diseases are not covered.
• Infertility and in vitro fertilization tests and treatments are not covered.
• Hospitalization due to war, riots, and nuclear weapons is also not covered.

Health Insurance Policy coverage for diseases varies by policy. Please read the policy document before buying any plan, and understand the inclusion and exclusion of the policy. Investing your time in reading the policy document will ensure the access to best health care and smooth claim settlement.

Health Insurance Companies

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Care Health Insurance for Senior Citizens

Care Health Insurance for Maternity