Care Family Health Insurance Plan

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.

1. A wide range of sum insured options
2. In-patient hospitalization
3. Pre and post-hospitalization cover
4. Day Care Treatment Cover
5. Room Rent Cover for Single Private Room
6. Cover for ICU Charges with no sub-limit
7. Ambulance Cover
8. Domiciliary Hospitalization Cover
9. Free Annual Health Check-up for all insured members under the policy
10. Automatic Recharge of the Sum Insured
11. Organ Donor Cover
12. Multiple Add-on Cover Options
13. A 15-day waiting period for COVID-19 treatment
14. A grace period of 30 days
15. A 15-day free look period
16. Tax Benefits under Section 80D of the Income Tax Act, 1961

On this page, we will be talking about these features extensively to let you understand the plan better. Let’s start!

Features and Benefits of Care Family Health Insurance Plan in Detail

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 Wide Range of Sum Assured Options

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.

What is the Policy Term?

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.

In-patient Hospitalization

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.

Pre and Post-Hospitalization Cover

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.

Day Care Procedures Cover

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.

Room Rent Cover

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.

ICU Charges Cover

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,

Ambulance Cover

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.

Domiciliary 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.

Automatic Recharge of the Sum Insured

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.

Organ Donor Cover

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.

Care Family Health Insurance Plan Eligibility Criteria

You will need to meet the following requirements while purchasing a Care Family Health Insurance Plan.

1. The minimum entry age stands at 91 days.
2. There is no upper age limit for enrollment into the policy.
3. Care Health Insurance provides the option of lifelong renewability.

What is Not Covered Under the Plan?

Care Family Health Insurance Plan will not provide coverage in the following situations.

1. Occurrence of signs and symptoms which need treatment within 30 days of the Policy Period Start date
2. War, riot, strike, nuclear weapons induced hospitalization
3. Expenses incurred on the treatment of self-inflicted injury (resulting from suicide, attempted suicide)
4. Under the influence of alcohol or drug use/misuse/abuse
5. Pregnancy and childbirth, miscarriage, abortion and its related expenses
6. External Congenital diseases
7. Tests and treatment relating to infertility and in vitro fertilization
8. Cost of spectacles and contact lenses