Care Health Insurance

Health Insurance 6490 views December 18, 2020

Care Health Insurance Company, formerly known as Religare, is an insurance company that offers a wide number of health insurance plans. People can meet medical emergencies through these health plans. The Care Health Insurance Company is a venture between Religare, Union Bank and Corporation Bank. This company offers health plans for youth and as well as for senior citizens covering many illnesses and critical illnesses. On the other hand, you can take an individual health plan and also the family floater plan. This company has also won many awards for its outstanding services. Let’s move on to the types of health plans offered by the Care Health and you can find the best plan as per your needs.

Table of Contents

1 Types of Health Plans Offered by Care Health
- 1.1 Why Choose Care Health Insurance
2 Claim Settlement Process of Care Health Insurance

Types of Health Plans Offered by Care Health

The Care Health Insurance Company offers multiple health plans covering different types of health risks. You can explore all the health plans of this company in the table given below.

Name of the Health Plan	Policy Coverage and Details	Eligibility
Youth Health Insurance Plan	The minimum Sum Insured is ₹3 Lacs with a maximum of up to ₹25 Lacs. Get In-Patient Hospitalization benefit in this plan up to the Sum Insured. The expenses for the day care treatments are also covered up to the sum insured. Get Outpatient consultations up to ₹2500 and outpatient dental treatment of up to ₹2500. Receive an Annual Health Check-up and no claim bonus. Accidental Death and Permanent Total Disablement are also covered up to 100% of the Sum Assured. Get unlimited e-consultation in this health plan.	18 Years is the minimum age for the proposer. 5 Years is the minimum age of entry for a child. 91 days is the minimum age of entry for the child if the plan is a family floater plan. 24 years is the maximum age of entry for the child. 35 years is the maximum age of entry for adults.
Care Advantage	You are free to choose the Sum Insured of ₹25 Lacs, ₹50 Lacs, and ₹1 Crore. Get the In-Patient Hospitalization Cover in this plan. The day-care treatment expenses are also covered in this plan. Enjoy 30 Days pre-hospitalization cover and 60 days post-hospitalization cover in this care health policy. Get an Ambulance Expense Cover and the Organ Donor expense cover. You will get a No Claim Bonus if you don’t make any claim in the year.	5 Years is the Minimum Age of Entry. There is no maximum age for the age of entry.
Care Plus	The Sum Insured options are ₹3 Lacs, ₹5 Lacs, ₹7 Lacs, ₹10 Lacs, and ₹25 Lacs. There is no upper limit for the age of entry and you can have this plan lifelong. Have the In-Patient Hospitalization benefit in this plan up to the Sum Insured. The day-care treatments are also covered up to the sum insured. Have the Outpatient consultations up to ₹2500 and outpatient dental treatment of up to ₹2500. Receive an Annual Health Check-up and no claim bonus. Accidental Death and Permanent Total Disablement are also covered up to 100% of the Sum Assured. Have unlimited e-consultation in this health plan.	36 years is the minimum age of entry for an adult. There is no maximum age for the age of entry.
Care Senior	The Sum Insured Options are ₹3 lacs, ₹5 lacs, ₹7 lacs, and ₹10 Lacs. This health insurance plan is only suitable for senior citizens. Have the In-Patient Hospitalization benefit in this plan up to the Sum Insured. The day-care treatment expenses are also covered in this plan. Get 30 Days pre-hospitalization cover and 60 days post-hospitalization cover in this care health policy. Receive a daily allowance of ₹500 per day. Get an ambulance cover of up to ₹2000 per hospitalization. The organ donor expenses are also covered by up to ₹1 lac. Get the Domiciliary Hospitalization Cover of up to 10% of the Sum Insured. Have an alternate treatment cover of up to ₹20000 in this care health insurance plan.	61 years is the minimum age of entry for this plan. There is no maximum age for the age of entry.
Cancer Insurance	The Sum Assured starts from ₹10 lacs up to ₹2 Crores. Get a Comprehensive Cancer Cover at all stages. Chemotherapy and Radiotherapy are covered in this plan. There are no limits for the ICU charges. Organ donor expenses are covered in this plan. This plan covers the expenses for the Air Ambulance. This plan is lifelong renewable.	This policy can be renewed lifelong.
JOY Maternity Insurance	Have the In-Patient Hospitalization benefit in this plan up to the Sum Insured. The day-care treatments are also covered up to the sum insured. Get 30 Days pre-hospitalization cover and 60 days post-hospitalization cover in this care health policy. Have an Ambulance Cover of up to ₹1000. Get the maternity and new born baby cover in this plan. The new born baby cover will be for 90 days.	The minimum age of entry for an adult is 18 years and for a child is 1 day to 24 years. The maximum age limit for this plan is 45 years.
Care Health Family Plan	The Sum Insured options in the Family Plan are ₹5 Lacs, ₹7 Lacs, ₹10 Lacs, ₹15 Lacs, ₹20 Lacs, ₹25 Lacs, ₹30 Lacs, ₹40 Lacs, ₹50 Lacs, ₹60 Lacs, ₹70 Lacs, ₹75 Lacs, ₹1 Crore, ₹2 Crores, ₹3 Crores, and ₹6 Crores. Have the In-Patient Hospitalization benefit in this plan up to the Sum Insured. The day-care treatments are also covered up to the sum insured. Have 30 Days pre-hospitalization cover and 60 days post-hospitalization cover in this care health policy. The room’s rent and ICU’s rent are covered in this plan. Get an ambulance cover of up to ₹1000. The domiciliary hospitalization expenses are covered up to 10% of the Sum Insured. Get the no claim bonus in this plan and the organ donor cover of up to ₹500000.	The minimum age of entry is 91 days. There is no upper limit for enrolment.
Arogya Sanjeevani	The Sum Insured in this Care Health Insurance Plan will be up to ₹5 lacs. The hospitalization expenses are covered in this policy. This plan covers the Pre-Hospitalization and Post-Hospitalization expenses for 30 days and 60 days respectively. The AYUSH Treatments are also covered in this plan. Get a cumulative bonus of 5% if you don’t make any claim in a year. The cataract treatment expenses are also covered in this plan. Get an Ambulance cover of up to ₹2000 per hospitalization.	5 Years is the minimum age of entry for this plan. There is no upper age limit to get this plan.
Critical Illness Insurance	This plan covers 32 types of critical illnesses. Pre and Post Hospitalization expenses are covered in this plan. This plan gives you organ donor cover and dialysis cover. OPD Charges and ICU Charges are covered in this plan. This plan is lifelong renewable. Illnesses like cancer, Alzheimer’s, and multiple surgeries are covered in the critical illness plan.	The minimum age of entry for a child is 91 days to 4 years in a family floater plan. 5 years is the minimum age of entry for an individual basis.
Care for 45+	Get the sum assured of ₹5 Lacs, ₹7 Lacs, and ₹10 Lacs. This plan covers the Pre-Hospitalization and Post-Hospitalization expenses for 30 days and 60 days respectively. The In-Patient Hospitalization benefit is available in this plan up to the Sum Insured. The day-care treatments are also covered up to the sum insured. Have the Ambulance Cover of up to ₹2000 per hospitalization. The domiciliary hospitalization expenses are covered up to 10% of the Sum Insured. Get the no claim bonus and ICU Charges cover in this plan.	The individual must have the age of 46 years or above to take this plan. The maximum age of entry for this plan is 60 years and 24 years for a child.
Care Heart	You can have the Sum Insured of ₹3 Lacs, ₹5 Lacs, ₹7 Lacs, and ₹10 Lacs in this plan. Have the Cardiac Health Check-up in this plan. The domiciliary hospitalization expenses are covered up to 100% of the Sum Insured after 3 days. Have the Ambulance Cover of up to ₹3000 per hospitalization. Pre and Post Hospitalization expenses are covered in this plan with a maximum of up to 5% of the Sum Insured. Get the Alternative Treatment Cover of 25% of the Sum Insured. This Care Health Insurance Plan offers you No Claim Bonus. Cataract Treatment and Knee Replacement Treatment are also covered in this plan up to some extent.	18 years is the minimum age of entry for this Care Health Insurance Plan. There is no maximum limit for the age of entry.
Care Freedom for Diabetics	This plan is best for individuals who have Diabetes, High BP, and High BMI. The Sum Insured Options available in this plan are ₹3 Lacs, ₹5 Lacs, ₹7 Lacs, and ₹10 Lacs. Have the In-Patient Hospitalization cover. Get the Day Care Treatment Cover in this plan Have the Ambulance Cover of up to ₹1000 per hospitalization. The domiciliary hospitalization expenses are covered up to 10% of the Sum Insured after 3 days. The Dialysis Cover is also available in this plan.	The minimum age of entry in this plan is 18 years. The maximum age of entry for a child is 24 years and there is no limit for an adult.
Enhance	The Sum Insured Starts from ₹1 Lac to ₹30 Lacs. This plan gives you the In-Patient Hospitalization Cover. Pre and Post hospitalization expenses are covered in this plan for 30 and 60 days respectively. The Day Care Treatment Expenses are covered in this plan. This plan also covers the ICU Charges and Doctor’s fees. There is no maximum limit for the Organ Donor Expenses and it is covered in this plan. Get a Free Health Check-up in this plan.	The minimum age of entry in this plan is 18 years. The maximum age of entry for a child is 24 years and there is no limit for an adult.

Why Choose Care Health Insurance

As we know that there are multiple health insurance companies so it is not easy for an individual to choose one among them. But you must go through the stats of Care Health Insurance Company that might convince you to buy some health plans from this company.

This company has made more than 25 Lac’s claim settlements until now.
The claim settlement ratio of the Care Health Insurance Company is 95.2%.
The cashless claim process approximately takes 2 hours to get settled.
There are more than 16500 cashless health providers across the globe.
Get 24×7 claim support from this company.

Claim Settlement Process of Care Health Insurance

A major percentage of the health insurance companies in India allow their customers to choose between the benefits of cashless claim settlement or reimbursement of the expenses made on treatment. While most customers opt for the cashless settlement option, emergency treatment in any one of the hospitals outside the insurer’s network implies seeking reimbursement of the expenses made. The claim intimation process for cashless treatment at one of the network hospitals and reimbursement of treatment expenses is different.

Claim Intimation Process for Cashless Treatment

Step 1: Claim Intimation

You must inform the insurance company in advance of your intent to get yourself treated in the event of planned hospitalization at least 48 hours before getting admitted to the hospital for necessary treatment. You may either call on the customer care helpline number 1800-102-4488 or intimate the same through email at customerfirst@Carehealthinsuance.com. In case of emergency hospitalization, inform the insurance company within 24 hours of the admission to the hospital.

Step 2: Seeking Pre-Authorization

Fill in the necessary details shared in the pre-authorization form available at the hospital’s insurance/TPA desk. Alternatively, policyholders may download the pre-authorization form from the insurance company’s website. Post-filling of the details in the form and its submission, the hospital will fax the completed pre-authorization form to the insurance company.

Step 3: Pre-Authorization Request Processing

The pre-authorization form submitted goes through a series of procedures during which the insurance company reviews the case and documents submitted by the insured or the policyholder. On approval of the request form submitted, the insurance company informs the policyholder and the hospital about the same. Submission of incomplete details or the requirement of any further information will stall the pre-authorization process. Necessary details must be quickly submitted to ensure timely pre-authorization before the treatment process.

Claim Intimation Process for Reimbursement of Treatment Expenses

Step 1: Claim Intimation

Emergency hospitalization may result in the patients getting admitted to a hospital outside the health insurance company’s network. In the event of such sudden hospitalization, the insurance company must be informed within 24 hours of patients being admitted.

Step 2: Initiating Claim Settlement Process

The policyholders may choose to either download the pre-authorization form from the insurer’s site or approach the insurer’s desk at the concerned hospital. The policyholder would be required to fill in the following details in the claim settlement form. These include:-

Policyholder’s name
Name and customer ID of the insured
Details of the hospital
Reasons for hospitalization including hospitalization
Treatment details of the patient
Estimated claim amount
Date of admission to the hospital

To ensure an easy and hassle-free claim settlement process of their health plans, policyholders have to submit certain necessary documents. These include:

Documents showing proof of age and residence
A cancelled cheque of the bank in which the policyholder wants the reimbursement amount to be credited.
Original bills, receipts, and discharge cards from the hospital.
First Information Report (FIR) in the event of an accident.
Original bills of treatment received from the hospital, chemists, and doctors’ prescriptions.
Original reports including X-rays, blood reports, etc.
Implant sticker/invoice, if used, to treat patients with amputation or being treated for cataract.
A copy of the FIR lodged at the nearest police station in case of hospitalization due to accident or instances of road rage.
Other documents as required by the insurance company.