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Health Insurance 1064 views May 15, 2021
Are you worried about the expenses that might get incurred towards the treatment of coronavirus disease? You can stay free from such worries by choosing Care Health Covid Care Plan that provides coverage against medical expenses incurred for treatment and/or quarantine for COVID-19 with a positive confirmative diagnosis from a center authorized by the government. This plan from Care Health can be your financial shield in case of a medical emergency.
To understand this plan further, let’s look at its key features mentioned below.
Now, we will discuss these features of the Care Health Covid Care Plan in detail. That will help you understand this COVID health insurance plan better. So, without any further delay, let’s start!
Table of Contents
Care Health Covid Care Plan is available both on an individual and family floater basis with which you can get coverage against the COVID-19 treatment expenses. With the family floater option, you can add up to 2 adults and 4 children. We are showing its prominent features below. Please check!
Care Health Covid Care Plan offers two plans from which individuals can choose — COVID Care Plus and COVID Care Advantage. Under these plans, the sum insured options are INR 3 lakh, INR 5 lakh and INR 10 lakh from which policyholders can pick according to their affordability.
If a policyholder needs hospitalization for in-patient care due to illness related to COVID-19 for a minimum of 24 hours, this plan will pay for the treatment expenses up to the chosen sum insured option. Other than this, you will also get coverage against medical expenses incurred on day care treatment (treatments that do not require a minimum of 24-hour hospitalization) up to the sum insured.
Care Health Covid Care Plan also covers the expenses incurred towards the room rent and ICU during the treatment. The coverage amount will depend on the chosen sum insured option. To know more, you can check the below table.
Hospitalization Expenses Category | Sum Insured of INR 3 lakh | Sum Insured of INR 5 and 10 lakh |
---|---|---|
Room Rent/ Room Category | Up to 1% of the sum insured per day (up to INR 3,000) | Single Private Room |
ICU Charges | Up to 2% of the sum insured per day (up to INR 6,000) | No Sub-limit |
If an insured person is undergoing a quarantine due to a positive diagnosis of COVID-19 in a government authorized center, this plan will cover all the expenses incurred during that period, up to 1% of the sum insured per day (maximum of 30 days) in a policy year.
Under both plan options, policyholders will get coverage against the expenses incurred for 30 days immediately before the date of admission and 60 days post-discharge from the hospital, up to the overall sum insured.
Note: A maximum of 4 diagnostic tests for Coronavirus diseases is available under this benefit option, and the payment will be given on a reimbursement basis.
There will be no OPD benefit in choosing COVID Care Plus. However, on choosing the COVID Care Advantage option, you will get coverage up to INR 10,000 against expenses incurred on consultation, diagnostics and pharmacy after positive confirmative diagnosis of COVID-19.
The policy term of Care Health Covid Care Plan stands at one year. Policyholders can renew the plan every year.
Understanding the following conditions can help you get an overview of the Care Health Covid Care Plan eligibility criteria.
You will not get any coverage under this plan in case of the following situations.