Care Health Insurance
Choose to protect your health and the health of your loved ones with Care Health Insurance plans. These plans offer a high sum assured and ensure that there are network hospitals close to you. Select from multiple add-ons to enhance the cover.
Care Health Insurance Limited provides Care Health Insurance to its customers. The company was founded in 2012 as a Religare Enterprises subsidiary but changed its name in August 2020.
It focuses on a variety of health insurance products made for individuals and families, such as senior citizen health insurance, heart insurance, diabetes insurance, critical illness health insurance, OPD plan, etc.
What is Covered Under Care Health Insurance Plan?
The following things are covered under Care health insurance plan -
- A variety of health insurance plans are available from Care Health Insurance, including COVID-19, cancer, heart disease, and other specially designed plans to meet the needs of various people.
- It is quite simple to submit a claim because the service health insurance customer service team is available round-the-clock for claim support.
- The company advertises that it will quickly settle claims by approving all cashless claims within two hours.
- Under Section 80D of the Income Tax Act, the premium paid for purchasing a Care health insurance plan is deductible from income.
- As the insurer has a high claim settlement ratio, policyholders can have a hassle-free claim settlement process.
What is Not Covered Care Health Insurance Plan?
These are the things that are not covered under Care Health Insurance plan -
- Any claims made within 30 days (about 4 and a half weeks) of signing-up with the insurance company.
- Any ailment that is either directly or indirectly brought on by, or linked to, any sexually transmitted disease, such as genital warts, syphilis, etc.
- Any medical procedure related to or resulting from a pregnancy (including a voluntary termination), miscarriage (apart from those brought on by accidents), childbirth, maternity (including caesarean sections), abortion, or any of these conditions. Ectopic pregnancy will not be covered by this exclusion.
- Any surgical or dental procedures unless they are required as a result of an injury.
Care Health Insurance Premium Calculation
You can determine the monthly premium and gross premium including tax for the selected policy using the online insurance premium calculator on the Care Health Insurance website. How the Care Health Insurance premium calculator functions is as follows:
Step 1: Access the company's official website.
Step 2: Enter the total number of insured members (or, in the case of a floater plan, the total number of adults and children).
Step 3: Give your contact information, including your phone number and email address.
Step 4: Enter the policy duration in years and the total amount insured.
Step 5: The total premium will be shown once you click calculate.
The Care Health Insurance premium calculator is straightforward and user-friendly. You can select an appropriate health insurance plan by being aware of the insurance premium for a given coverage.
List of Care Health Insurance Plans in India
The various health insurance plans provided by Care Health Insurance are mentioned below -
Name of the Plan | Details |
Care Health Insurance Plan |
|
Care Senior Health Insurance Plan |
|
Care Critical Illness Insurance Plan |
|
Care Freedom Plan |
|
Care Heart Care Insurance Plan |
|
Care Health Insurance Plan
Care Health Insurance is a health insurance program that provides total protection with guaranteed speedy and straightforward claim resolution. The insured amount under the plan ranges from Rs.3 lakh to Rs.75 lakh.
- There are options for pre-hospitalization coverage of up to 30 days and post-hospitalization coverage of up to 60 days.
- Both day care procedures and hospitalisation costs are covered.
- There is Care Anywhere insurance for international medical care and maternity coverage of up to Rs1.lakh available.
- Every year, the cost of preventative medical exams is paid.
- There are options for daily allowance, second opinions, and organ donor protection.
Care Senior Health Insurance
A health insurance plan called Care Senior Health insurance is made for seniors 60 and over. It has an insured amount of Rs.5 lakh and Rs.10 lakh.
- Daycare services, inpatient hospitalisation, and cutting-edge medical techniques are all covered.
- There are options for 30-day and 60-day pre- and post-hospitalization coverage, respectively.
- Accessible annual health checkup service and limitless online consultations.
- Both road ambulance coverage and organ donation coverage are offered.
Care Critical Freedom Plan
The Care Freedom plan has been specifically created to cover those with diabetes, high blood pressure, and a high BMI. The insured amounts range from Rs.3 lakh to Rs.5 lakh to Rs.7 lakh to Rs.10 lakh.
- Up to the sum insured limit, nursery and inpatient care are both covered.
- Both the companion benefit and the consumable allowance are accessible.
- Dialysis costs and home hospitalisation costs are reimbursed.
- There is optional insurance available for home care and health check-up+.
- Charges for both pre- and post-hospitalization as well as ambulance costs are reimbursed.
Care Heart Insurance Plan
The Care Heart Insurance plan was created to offer coverage to cardiac patients with pre-existing conditions. A sum insured of Rs.3 lakh, Rs.5 lakh, Rs.7 lakh, and Rs.10 lakh is available under the plan.
- Pre- and post-hospitalization costs as well as in-patient hospitalisation costs are covered.
- Daycare services, alternative therapies, and in-home hospitalisation are all covered.
- There are options for annual cardiac health examinations and ambulance coverage.
- Optional advantages include OPD care, international second opinions, home care, and three yearly active health checks.
How to File a Claim for Care Health Insurance Plan?
If you have an unplanned hospitalisation, the insurer needs to file a claim within 24 hours of hospitalisation. You need to follow the steps mentioned below to file a claim with Care Health insurance plan -
Care Health Insurance Claiming Procedure
Step 1: At the counter of the network hospital, present your health card.
Step 2: The hospital will fax a properly completed and signed pre-authorization request form to the insurance provider or the TPA on behalf of the insurer.
Step 3: The hospital will receive a letter of approval from claim management.
Step 4: For the insured member, the hospital will continue with the cashless procedure.
Step 5: The insured member may begin treatment and submit a reimbursement claim after discharge if the cashless claim is denied.
Step 6: The insurance company must receive the reimbursement claim form and any necessary supporting documentation, including a discharge summary, medical reports, hospital and pharmacy bills, prescriptions, and discharge summaries.
Step 7: The claim management staff will send an approved letter. For a smooth claim processing experience, you will need to answer the claim management team's inquiries.
Step 8: Following acceptance, the claim's payout will be issued to the covered member.
Documents Needed to Apply for Care Health Insurance Claim
The following documents required to apply for the claim of Care Health Insurance are mentioned below -
- Form of Care Health Insurance Plan
- Original, itemised hospital invoice-prudent breakup
- A letter from the physician recommending hospitalisation, diagnostic procedures, or consultation
- X-rays, MRIs, and other pathological tests and reports
- Authentic hospital discharge paperwork
- Copy of indoor case papers with attestation
- Report of alcohol history, Police FIR report, sticker and invoice (if applicable)
- KYC documents if the claim is for Rs.1 lakh and above
Care Health Insurance Contact Details
For any queries related care health insurance contact care health insurance customer care .The contact details of Care Health insurance are mentioned below -
- Website - https://www.careinsurance.com/contact-us.html
- Whatsapp number - 88604 02452
Care Cashless Network Hospitals
Individuals with a Care Health Insurance policy can avail cashless hospitalisation at over 8350+ network hospital across India. Medical treatment can be availed at any one of the network hospitals that have tie-ups with Care Health Insurance. In the case of a cashless treatment, you can avail treatment without paying for the medical expenses upfront. To locate a network hospital in your area, just enter your state and city on the Network Hospital Locator tool. You will instantly get a list of network hospitals with names, phone numbers, and addresses.
*Disclaimer - This is not an exhaustive list but an indicative representation of hospitals that form a part of the company's wider network.
FAQs on Care Health Insurance
- What advantages come with purchasing Care health insurance?
You can profit from a variety of things with the aid of health insurance, including nursing care, surgeries, consultation fees, cashless hospitalisation for stays longer than 24 hours, consultation fees, diagnostic tests, hospital lodging, etc. Your health insurance company will cover all of the costs associated with your complete course of therapy.
- What does the Care Health Insurance plan's co-payment mean?
Co-payment is a portion of your claim amount that you will be required to pay after your claim is settled. Co-pays can be set as either an absolute dollar amount or as a percentage of the insured amount.
- What does the Care Health Family Floater plan mean?
Health insurance for the entire family, including self, dependent children, spouse, and parents, is offered under the Care family floater plan for a single premium. As long as your total insurance coverage does not exceed your permitted number of claims, you may submit as many.
- Is it feasible to change the policy's covered amount, either up or down?
During the term of the policy, the sum insured under the principal policy cannot be decreased or increased. But you can do it when you renew your licence. The policy's terms and conditions must be followed.
- Explain the Claim Processing and Reimbursement under Care Health Insurance Policy?
In the case of an emergency hospitalisation, intimate the insurer within 24 hours of hospitalisation. Intimate the insurance company 48 hours prior to admission for planned hospitalisation. For reimbursement claims, download the claim form from the insurer's website, fill it and submitted it at the nearest branch office along with the supporting documents such as discharge summary, hospital bill, prescription, etc. The approval or rejection letter will be sent by the claim management team. The claim amount will be transferred to the policyholder's bank account.
- What procedures must I follow to file a claim?
You can get in touch with Care's customer support team to enjoy hassle-free completion of your claim settlement processes. To learn more about your specific insurance cover, you can go visit its 'Claims' webpage.
- How does one submit a claim for cashless hospitalisation?
Inform the insurer of any emergency hospitalisation within 24 hours after admission. Notify the insurance provider 48 hours before the scheduled hospital admission. Fill out the pre-authorization request form at the hospital desk for cashless hospitalisation claims, and the network hospital will send the completed form to the insurer. The claim management team will send the letter of approval or denial. If your application is rejected, you can start the therapy and request reimbursement.
- What does claim processing and reimbursement under Care health insurance plan mean?
Inform the insurer with any emergency hospitalisation within 24 hours after admission. Notify the insurance provider 48 hours before the scheduled hospital admission. Download the claim form for reimbursement from the insurer's website, fill it out, and submit it to the closest branch office with any necessary supporting documentation, such as a discharge summary, a hospital bill, a prescription, etc. The claim management team will send the letter of approval or denial. The amount of the claim will be deposited into the policyholder's bank account.
- How can one cancel his or her Care Health Insurance Policy?
During the free-look period, the policyholder can return the policy and get a refund of the premium after certain deductions if he or she has an objection to the terms and conditions of the policy. Cancellation request can be made at any time during the policy period provided no claims have been made. If a claim has been made and he or she wants to cancel the policy then premium will not be refunded.
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