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Health Insurance 519 views July 1, 2021
Considering the rising cost of healthcare these days, it is necessary to shield your finances if you or any of your family members face a medical emergency. Care Family Health Insurance Plan could ensure comprehensive protection against any illness or disease with its wide range of benefits.
Before we get to know this plan in detail, you should check its key features mentioned below so that you can get a brief idea about it.
On this page, we will be talking about these features extensively to let you understand the plan better. Let’s start!
Table of Contents
Care Family Health Insurance Plan is a comprehensive plan that helps cover the expenses incurred during hospitalization. Let’s talk about its features and benefits in a detailed manner. Have a look.
A Health Insurance Plan from Care offers multiple sum insured options to the customers from which they can choose according to their needs. These options range from INR 5 lakh-6 crores.
You can choose from different policy term options – 1, 2 or 3 years. On choosing a 3-year policy term, you can also get a 10% discount on the premium amount.
If an insured member under the policy needs to get hospitalized for at least 24 hours, the plan will cover expenses incurred on room rent, nursing, ICU charges, Surgeon’s fees, doctor’s fee, anesthesia, blood, oxygen, operation theatre charges, etc. The coverage will be up to the sum insured.
You can get coverage against the expenses incurred 30 and 60 days before (Investigative tests, medication, etc.) and after (doctor consultation, tests, etc.) hospitalization, respectively, up to the sum insured limit.
This plan from Care Health Insurance covers up to 540 day care procedures that do not require hospitalization for a minimum of 24 hours. The coverage will be up to the sum insured chosen by you.
You will also receive reimbursement of the expenses incurred during your hospital stay (room rent charges) for the treatment. This plan also offers you the option to upgrade your single private room if there is a need, and the treating doctor should recommend the same.
During your hospitalization, if you need to get into ICU for special care, you will get coverage against the charges incurred on the ICU hospitalization with no limit,
In the case of an emergency, you will also get reimbursement of the expenses incurred on the services of a domestic road ambulance during your hospitalization. The coverage amount stands at INR 3,000 per hospitalization.
If you are not getting hospitalized for the treatment (due to unavailability of bed or some other reasons) and instead, getting the same at home, you will get cover for medical expenses incurred on such treatment. However, the treatment period should be for more than 3 consecutive days.
If you ever exhaust your health cover during the policy term, the plan will reinstate the entire sum assured of your policy once in a policy year.
If an insured person needs to undergo an organ transplant surgery, Care Family Health Insurance Plan will reimburse the medical expenses incurred by an organ donor while undergoing the surgery. The coverage amount ranges from INR 1,00,000-5,00,000 according to the chosen sum insured.
You will need to meet the following requirements while purchasing a Care Family Health Insurance Plan.
Care Family Health Insurance Plan will not provide coverage in the following situations.