Health Insurance 282 views May 8, 2021

Care Health Group Credit Protection Plan provides financial protection to you and your family members against medical expenses. You can opt for any of the following coverages –

  1. Smart Criti- Care
  2. Smart Acci-Care
  3. Smart Hospi-Care Plus 
  4. Smart HospiCash

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

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Care Health Group Credit Protection Plan Optional Benefits

Check out the below-mentioned optional benefits of the Care Health Group Credit Protection Plan and select the one that suits you the best.

Optional Benefit 1: Smart Criti- Care

You will get financial coverage against the following –

  1. Cancer of Specified Severity
  2. Myocardial Infarction
  3. Open Chest CABG
  4. Open Heart Replacement or Repair of Heart Valves
  5. Coma of Specified Severity
  6. Kidney Failure Requiring Dialysis
  7. Stroke Resulting in Permanent Symptoms
  8. Major Organ/Bone Marrow Transplant
  9. Permanent Paralysis of Limbs
  10. Motor Neurone Disease with Permanent Symptoms
  11. Benign Brain Tumor
  12. Multiple Sclerosis with Persisting Symptoms
  13. Blindness
  14. End-Stage Lung Failure
  15. End-Stage Liver Failure
  16. Third Degree Burns
  17. Parkinson’s Disease
  18. Alzheimer’s Disease
  19. Bacterial Meningitis
  20. Aplastic Anaemia

This cover benefit shall be payable to you, provided any of the above-mentioned critical illnesses is diagnosed to you during the policy term. After the payment of the benefits, the policy shall automatically terminate. However, other insured members under the policy shall continue to be covered.

You can choose any of the following optional covers –

  1. Modification of Survival Period
  2. HIV Cover

Note – You will be entitled to the Smart Criti- Care Benefit if you survive for 30 days from the date of diagnosis of the illness.

Optional Benefit 2: Smart Acci-Care 

Under this cover, you’ll get financial protection against Accidental Death, Permanent Total Disablement and Permanent Partial Disablement. In case any claim arises due to accidental death, coverage under the policy for that insured member shall immediately be paid and the policy automatically terminates. However, the family members shall continue to be covered under this policy.

You can choose any of the following optional covers –

  1. Fractures
  2. Disappearance
  3. Burns
  4. Repatriation of Mortal Remain
  5. Accidental Hospitalization Expenses
  6. Temporary Total Disablement
  7. Suicide Cover
  8. Modification of Home / Vehicle

Optional Benefit 3: Smart Hospi-Care Plus 

If you are sick or injured, the insurer will cover the following medically necessary charges –

  1. In-patient Care
  2. Day Care Treatment
  3. Pre-and Post-hospitalization Medical Expenses up to 30 and 60 days, respectively
  4. Domiciliary Hospitalization
  5. Ambulance Expenses up to 2,000 (Sum Insured <= INR 10 Lakh), up to INR 5,000 (Sum Insured > INR 10-50 Lakh) and INR 10,000 (Sum Insured > INR 50 Lakh)

You can choose any of the following optional covers –

  1. Pre and Post-hospitalization Medical Expenses Modification
  2. Room Rent Modification
  3. Maternity Expenses
  4. Organ Donor Expenses
  5. International Second Opinion
  6. Modification of ‘Initial Wait Period’
  7. Pre-Existing Diseases Modification
  8. ‘Named Ailments’ Modification
  9. Smart Flexi Care
  10. Sub-limits on Hospitalization Expenses
  11. Co-payment
  12. Smart Select
  13. OPD Care
  14. Everyday Care
  15. No Claims BonusOptional Cover
  16. Annual Health Check-up

Optional Benefit 4: Smart HospiCash 

The insurance company will provide you a fixed amount as specified in the certificate of insurance, for each continuous and completed period of 24 hours during the hospitalization. Smart HospiCash Benefit shall be payable to you as per the following conditions –

  1. Hospital cash benefit shall not be payable for 1 day of hospitalization
  2. The company pays the fixed benefit up to a maximum defined number of days as specified in the certificate of insurance
  3. The hospital cash benefit is valid only during the policy tenure only for inpatient hospitalization

You can opt for any of the following optional covers –

  1. Deductible Modification
  2. Pre-Existing Diseases Modification
  3. Named Ailments Modification
  4. Maternity Benefit
  5. ICU Cash Benefit

Optional Covers Under Care Health Group Credit Protection Plan

Choose any of the following optional covers under the Care Health Group Credit Protection Plan –

Optional Cover A: Flexible Recovery Benefit

If you are hospitalized during the policy year, the insurer will pay a fixed amount for every completed period of hospitalization. This optional cover benefit will be payable up to 2X in a policy year (for different injuries/illnesses), subject to a maximum of three payments per hospitalization. If you opt for Smart Acci-Care, coverage is provided in case of accidental hospitalization only.

Optional Cover B: Child Education 

The company will pay the amount, as specified in the certificate of insurance against this optional cover, for the education of your child if you die or get permanently disabled due to an accident during the policy term. You can choose this optional cover under Smart Criti-Care and/or Smart Acci-Care.

Optional Cover C: Loss of Employment

If you lose your job, the company will pay a fixed lump sum up to 6X the EMI, as specified in the certificate of insurance. Coverage is available to you under Smart Criti Care and Smart Acci-Care.

Optional Cover D: Accidental Hospitalization Cash 

If you suffer from an accident during the policy year, the insurer will pay a fixed amount for each continuous and completed period of 24 hours of such hospitalization. The company is liable to make payment under this optional cover up to 90 days per policy year. You can choose this optional cover with only one of the following – Smart Acci-Care, Smart Hospi-Cash.

Free Look Period

You may return the policy within 15 days (free look period) from the date of receipt of the policy document if you disagree with any terms and conditions. On such cancellation, the insurer will provide you a refund of the paid premium after deducting proportionate risk premium for the period on cover, medical examination and stamp duty charges, provided no claim has been made under the policy during the free look period.

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