Care Health Covid Care Plan

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.

1. Multiple plan options
2. Flexibility to choose a sum insured according to your needs
3. Hospitalization expenses coverage
4. Pre and post-hospitalization medical expenses coverage
5. Outpatient (OPD) Benefit
6. A 15-day waiting period 
7. A 15 or 30-day free look period
8. Tax benefits under Section 80D of the Income Tax Act, 1961

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!

Let’s Discuss the Features of Care Health Covid Care Plan in Detail

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!

Multiple Plan and Sum Insured Options

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.

Hospitalization Expenses Coverage

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.

Room Rent and ICU Coverage

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.

Quarantine Coverage

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.

Pre and Post-Hospitalization Medical Expenses Coverage

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.

Outpatient Department (OPD) Benefit

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.

What is the Policy Term of the Care Health Covid Care Plan?

The policy term of Care Health Covid Care Plan stands at one year. Policyholders can renew the plan every year.

Care Health Covid Care Plan Eligibility Criteria

Understanding the following conditions can help you get an overview of the Care Health Covid Care Plan eligibility criteria.

1. The minimum age of the proposer should be 18 years.
2. The minimum entry age for adults stands at 18 years, while it can go up to 70 years with the lifelong renewability option.
3. For children, the minimum age stands at 91 days that can go up to 24 years.
4. The exit age for children also stands at 25 years.

What are Permanent Exclusions Under the Care Health Covid Care Plan?

You will not get any coverage under this plan in case of the following situations.

1. Treatment and/or quarantine for any illness, sickness or disease other than Coronavirus disease (COVID-19)
2. Contraction of Coronavirus disease before the inception of the policy
3. If the policyholder travels to any containment zone/city/district/country (where travel has been restricted)
4. Rest Cure, Rehabilitation and Respite Care
5. Obesity and Weight Control
6. Change of Gender Treatment
7. Cosmetic or Plastic Surgery
8. Breach of Law
9. Hazardous or Adventure Sports
10. Non-Allopathic Treatment or related to any unrecognized systems of medicine