Care Health Insurance

About Care Health Insurance (Formerly Known as Religare Health Insurance)

Health Insurance

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Types of Care Health Insurance Plans

One can avail a number of health insurance plans sold by Care Health Insurance Company. Each plan has been designed to meet the needs and budgetary requirements of its prospective customers. Some of the popular Care health plans include:-

Care Health Insurance Plan

This is a comprehensive health insurance cover that provides cover to the policyholders and their entire families. Also, the policyholders are entitled to policy renewals and free health check-ups for the entire family. Moreover, a hassle-free purchase is possible owing to the availability of this policy online.

Added benefits of this plan include:-

1. Pre and post-hospitalization expenses covered up to 30 days and 60 days, respectively
2. The full amount of NCB for claim-free years
3. Customers may choose from a wide range of cover ranging from Rs 3 lakhs to Rs 6 crores
4. Tax benefits under Section 80D of the Income Tax Act 1961
5. Discounts on long-term health insurance policies – 7.5 percent discount on a two-year-old policy and 10 percent on a three-year-old policy
6. Waiting period not more than 30 days for treatment of illnesses barring injury
7. Lifelong renewability option available
8. Policyholders can consider enhancing the sum insured. However, the same is allowed only during policy renewal

Care Health Care Joy Plan

This plan is for the mothers and the newborns. This plan comes in two different variants as the benefits and the eligibility differ in each case. The plans are:-

However, both the plans have similar benefits that may be listed as under:-

1. Tax benefits on premium charges paid
2. Free-look period of 15 days available to the policyholders
3. Coverage of newborn baby is free for the first three months

Care Health Care Freedom Plan

Senior citizens need the care and support of their loved ones more than others. This explains the need to have a health insurance plan in place that not only ensures an adequate amount of sum insured but also a prolonged policy period, thus, doing away with the hassle of renewing the policy each year.

The minimum amount of sum insured is Rs 3 lakhs while the maximum amount of sum insured that one can opt for is Rs 10 lakhs. The insured has access to benefits like:-

1. In-patient care treatment availability
2. Daycare treatment availability
3. Restoration of the original sum insured amount on exhaustion due to expenditure on hospitalization and subsequent treatment
4. Yearly health check-up for free
5. In case of hospitalization exceeding 10 days, the insurance company grants companion benefit within the range of Rs 10,000-15000.

Care Health Care Enhance Plan

Instead of buying two separate health insurance plans, it is preferable to buy a top-up plan that pays for hospitalization and treatment in case of medical bills crossing the threshold limit equivalent to the sum insured in the health insurance policies invested in. Some in-built features of this plan include:-

1. Cashless facility available in more than 4000 hospitals listed in the insurer’s network
2. Yearly health check-ups for free for the entire family covered under the plan
3. No Claim Bonus (NCB) benefits during policy renewal
4. The policy is available online which means that buyers can fill in the necessary details and pay for the same online
5. 170 daycare procedures

Care Health Care Assure Plan

This is, in fact, a health insurance plan with fixed benefits including the much sought-after critical illness cover and personal accident insurance. The minimum amount of sum assured is Rs 5 lakhs while the maximum can go up to Rs 1 crore. The in-built benefits of buying this plan include:-

1. Cover for more than 20 critical illnesses
2. Death by accident is also covered under this policy
3. Cover in the event of permanent disability
4. Yearly health check-ups for free
5. Timely claim settlement by the insurance company
6. Income Tax benefits on the premiums paid under Section 80D of the Income Tax Act 1961

This policy also ensures additional benefits like no other health insurer. These include:-

1. A lump sum amount equal to the amount of sum insured is given to the family in case of death due to accident or permanent disability
2. Free health check-ups every year for the family of the insured
3. Customers can opt for a three-year policy period at 10 percent discounted rate or choose a two-year policy period at a 7.5 percent discount on the premium charges.

Care Health Care Secure Plan

This plan is more about coverage against expenses on treatment in the event of accidental injury or deterioration of health conditions because of an accident. The key benefits of this plan include:-

1. Death due to accidental injuries covered under the plan
2. Necessary cover available for reconstructive surgery
3. Cover against permanent or partial disability
4. An adequate amount as cover for children’s education.

Additional benefits of investing in this health insurance policy include:-

1. The amount of sum insured is paid to the nominee in case of the sudden death of the insured
2. This plan covers for expenses made during treatment of fracture or any surgery as advised by the doctor
3. In case the insured is missing for more than a year, the insurance company is liable to pay over the sum insured amount to the nominee
4. The insured can seek reimbursement of the ambulance expenses in the event of any medical emergency

Group Care

If the above health insurance plans were designed for all, comes this Group Care offered to employees of an organization. Here, the employer remains the policyholder and pays the premium on behalf of its employees. So if these employees face hospitalization due to illnesses covered under the policy, they won’t have to pay for the same. Expenses made before and after hospitalization are also covered besides day care procedures.

Like conventional health insurance plans, Group Care also offers two types of claim settlement -cashless and reimbursement – discussed later on this page. There is no waiting period under the plan – neither the initial 30 days that you see in regular plans nor the 2-4 year period for pre-existing illnesses. So, you can get covered from the first day of this plan. Guess what, the waiting period restriction does not even apply to expenses incurred on the delivery of children.

Why Opt for Care Health Insurance in India?

Choosing the right health insurance plan is a seemingly daunting task as health insurance companies in India clamour to gain their customers’ attention. Care Health Insurance with all its unique benefits and distinct features makes it exceedingly easy for customers to understand the concept of health insurance and choose the necessary health plan accordingly.

Features of Care Health Insurance

Number of Members – As opposed to the currently available health insurance plans in India, this plan offers to cover six members of one’s family, which includes two kids and four adults. This means that the customers opting for these plans can not only seek an assured health cover for themselves and their two children but can include their parents too in the health plan.

Availability of Both Comprehensive and Dedicated Plans – If there are comprehensive health insurance plans covering a series of diseases and ailments, there are dedicated plans for people affected by Cancer and heart-related ailments. Even maternity plans are there covering the delivery expenses.

Wide Range of Sum Insured Options – Care Health Insurance offers a wide range of sum insured options extending up to INR 1 crore, covering people adequately against the rising healthcare expenses of today’s times.

Enhancement of Sum Insured Upon No Claim – Being healthy rewards you financially too. So, if you stay fit and don’t claim in a financial year, it will translate into an increased sum insured without having to pay an extra premium for the same on renewal. In case you do meet with a medical emergency, you will have a lot to fall upon.

Restoration of the Sum Insured – If the automatic enhancement of the sum insured upon no claim sounds exciting, its restoration upon exhaustion due to claims makes for an interesting reading. The restoration can be allowed unlimited times. However, Care Health Insurance may offer it as an add-on cover, which means extra premium payment from your end.

Lifelong Renewability – Renewing your health insurance policy may be cumbersome. That explains why Care Health Insurance allows the benefit of lifelong renewability to both its new and existing customers. Automatic renewability means that the policyholders continue to be covered against any sudden medical emergency, thus, securing them against the expenses on hospitalization and subsequent treatment.

Pre and Post-hospitalization Cover – The expenses on treatment are beyond what one spends on paying off the bills at the hospital. Thus, health insurance companies started extending benefits including pre and post-hospitalization cover to their policyholders. Care Health Insurance policyholders pay for pre and post-hospitalization expenses up to 30 days and 60 days, respectively.

Free Health Check-Ups – The insured have access to free health check-ups, which means that the company takes an interest in the well-being of its members.

Nominal Waiting Period – A waiting period of four years for pre-existing illnesses is mandated under the policy. This means that the policyholders have to wait for a minimum period of four years before claiming the amount spent on the treatment of pre-existing disorders.

How Do You Benefit from Care Health Insurance?

Before buying any health insurance plans, it is important to understand and realize the inherent benefits corresponding to each plan and whether the plan’s features and benefits are in sync with our needs. The common benefits include:-

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

It is important that you 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 requirement of any further information will stall the pre-authorization process. Necessary details must be quickly submitted to ensure timely pre-authorization prior to the treatment process.

Claim Intimation Process For Reimbursement of Treatment Expenses

Step 1: Claim Intimation

Emergency hospitalization may result in the patients getting admitted in a hospital outside the health insurance company’s network. In the event of such sudden hospitalization, it is important that the insurance company is 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:-

1. Policyholder’s name
2. Name and customer ID of the insured
3. Details of the hospital
4. Reasons for hospitalization including hospitalization
5. Treatment details of the patient
6. Estimated claim amount
7. 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:

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

Care Health Insurance Renewal

Effective customer care service and prompt claim settlement have resulted in a number of people opting for claim insurance renewal. In addition, customers who had initially bought other health insurance plans are now renewing their policies with Care Health Insurance. Also, the policyholders can opt for a higher sum insured during the policy renewal.

Care Health Insurance Contact Details

Toll-free Customer Service Number

Call 1860-500-4488 (to buy a new policy)

Call 1800-102-4488 (for service-related queries)

Care Health Insurance Limited CIN: U66000DL2007PLC161503

Registered Office of Care Health Insurance

Care Health Insurance Company Limited,

5th Floor, 19, Chawla House, Nehru Place,

New Delhi-110019

Correspondence Address Of Care Health Insurance

Care Health Insurance Company Limited,

Vipul Tech Square, Tower C, 3rd Floor,
Sector – 43, Golf Course Road, Gurgaon – 122009

Customer Care Email Id:customerfirst@Carehealthinsurance.com

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