Group Health Insurance 287 views January 7, 2022

Care Health Insurance Group Care offers financial protection to the employees of an organization/company against medical expenses. Under Group Care policy, employees will get the following benefits –

  • Cashless treatment at 10,000+ network hospitals
  • Pre-existing diseases coverage from day 1
  • Pre-hospitalization and post-hospitalization cover for up to 30 and 60 days, respectively
  • Sum Insured from INR 50,000 to INR 10 Lakh

Continue reading this page and learn more about the benefits of the Care Health Group Care Plan.

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Care Health Insurance Group Care Plan Benefits

Employees get coverage against the following expenses under this policy.

In-patient care

  • Rom/boarding and nursing expenses up to 1% of the sum insured in plan 1 and 2% of the sum insured in plan 2
  • ICU charges up to 2%o f the sum insured in plan 1 and 4% of the sum insured in plan 2
  • Reconstructive surgery, surgical implants, daycare treatment, radiotherapy and chemotherapy (for cancer), kidney dialysis treatment, organ transplant
  • Road ambulance cover up to INR 1,000 for Plan 1 and INR 2,500 for plan 2
  • Domiciliary hospitalization
  • Pre and post-hospitalization medical expenses for 30 and 60 days, respectively
  • Pre and post-natal for 30 days up to INR 2,500 for plan 1 and INR 5,000 for plan 2 as a part of the maternity limit

Care Health Group Care Plan Additional Coverage

You can choose any of the following extensions under the Care Health Group Care Plan –

  • Room Rent Modification
  • Corporate Floater
  • Sub-limit on Hospitalization Expenses
  • Pre and Post-hospitalization Medical Expenses Modification
  • Maternity Expenses
  • Alternative Methods of Treatment
  • Durable Medical Equipment
  • In-patient Rehabilitation
  • Parent Accommodation
  • Proportion Charge Waive off
  • Limit on Illness/Surgeries/Procedures
  • Dependent Accommodation
  • Sub-limit on Surgeon, Anesthetist and Medical Practitioner Fees
  • Outside Area of cover
  • Hormone Replacement Therapy
  • Infertility Treatment
  • Doctor on call/chat
  • International Emergency Medical Assistance

Exclusions from Care Health Insurance Group Care

The insurance company shall not pay for the medical expenses arising out of the following:

  • Investigation & Evaluation
  • Treatment for, Alcoholism, drug or substance abuse or any addictive condition and its consequences
  • Rest Cure, rehabilitation and respite care
  • Obesity/Weight Control Programs
  • Change-of-Gender treatments
  • Cosmetic or Plastic Surgery
  • Self-inflicted injuries or attempted suicide
  • Participation in hazardous or adventure sports
  • Breach of law
  • Treatments received by excluded providers
  • Treatments received in health hydros, nature cure clinics, spas or similar establishments
  • Unprescribed dietary supplements and substances
  • Treatment for correction of eyesight due to refractive error < 7.5 diopters
  • Unproven treatments
  • Sterility and infertility treatment
  • Medical treatment expenses traceable to childbirth, miscarriage and lawful medical termination of pregnancy
  • Circumcision unless necessary for the treatment of a disease or injury
  • Cost of spectacles, contact lenses and hearing aids
  • Dental treatment or surgery unless requiring hospitalization
  • Convalescence, general debility, ‘run-down’ condition venereal disease
  • Medical expenses arising out of Human T-Cell Lymphotropic Virus Type III (HTLV III), Lymphadenopathy Associated Virus (LAV), the Mutants Derivative or Variations Deficiency Syndrome or any Syndrome or condition of a similar kind
  • Disease or injury caused by nuclear weapons/materials
  • Any non-medical expenses as specified in the policy schedule
  • War and warlike occurrence or invasion
  • Out-patient Treatments
  • Non-allopathic treatments

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