Care Health Insurance | The Best Insurance Plan For Your Care Needs

Care Health Insurance is an important comprehensive financial plan. Care Health Insurance offers a variety of plans that, in the event of an emergency or planned treatment, enable you to receive cashless treatment at any of our 22900+ network hospitals and healthcare providers. Our plans also offer comprehensive coverage that includes cutting-edge procedures like robotic surgery and radiosurgery.

Serving clients with more than just basic health insurance is our goal at Care Health Insurance. To address the various medical needs of individuals throughout India, we provide improved medical insurance plans with useful features. Our health insurance plans offer a broad range of sum covered, from ₹3 lacs to ₹6 crores, along with a host of healthcare advantages including cashless hospitalisation, day care, annual health check-ups, COVID and OPD care, and more.

Care Health Insurance is a specialized health insurer offering products in the retail segment for Health Insurance, Top-up Coverage, Personal Accident, Maternity, International Travel Insurance and Critical Illness along with Group Health Insurance and Group Personal Accident Insurance for Corporates, Micro Insurance Products for the Rural Market and a Comprehensive Set of Wellness Services.

Why Care Health Insurance?

Care Health Insurance is one of India’s leading Health Insurance providers, with 38 Lakh+ insurance claims settled since inception. Care Health Insurance provides comprehensive health insurance benefits, including in-patient hospitalization, pre and post-hospitalisation medical expenses, access to advanced medical treatments, daily allowances during hospitalisation and cover for AYUSH treatments.

Types Of Insurance Offered By Care Health Insurance

1. Health Insurance
2. Family Health Insurance
3. Senior Citizen Health Insurance
4. Critical Illness Insurance
5. 1 Crore Health Insurance Policy
6. Maternity Health Insurance Compare
7. Health Insurance Plans Care
8. Supreme Senior Health Advantage
9. Travel Insurance
10. Corporate Insurance

 

Types of Health Insurance Plans That Care Insurance Provides

With Care Insurance, you get some of India’s best health insurance plans designed to meet our customers’ diverse medical needs. Below are all the types of health coverage that they offer:

• Individual Health Cover
• Family Floater Health Plans
• Senior Citizen Health Cover
• Maternity Insurance Plans
• Health Insurance Plans for Pre-existing Diseases
• Critical Illness Plans

Types Of Care Health Insurance Plans

There are normally two main types of health insurance:

Plans for Health Insurance With An Indemnity: An insurance policy that covers medical costs for covered individuals in the event of an accident, disease, or injury is known as indemnity-based health insurance. Under an indemnity-based contract, the insurance company agrees to pay for the insured person’s hospital stays, out-of-pocket expenses, physician visits, prescription drugs, and other medical bills.

 Fixed Benefits Health Insurance Plans; In a fixed-benefit health plan, the insured receives a fixed benefit or sum insured in the event that a certain medical condition is found to exist. Therefore, with a fixed-benefit plan, you receive the sum insured upon diagnosis of the condition, and it relies on the insured how they use the sum insured. This is in contrast to other health plans where you have to file a claim for medical coverage.

How do health insurance plans work For India’s?

A health insurance plan operates like any other insurance contract, in that the insurance company undertakes to pay the insured’s hospitalization expenses up to the sum insured.

The main role of medical or health  insurance is to reduce the financial burden of unexpected life events such as illnesses, accidents and diseases.

Realizing the importance of health insurance is just the first step to enjoying the immense benefits of  health insurance, especially amid health-related uncertainties.

Here are the key benefits of health insurance that make it  essential health care coverage:

• Financial protection against medical inflation
• Hospitalization Coverage  Critical
• Illness Coverage  Outstanding
• Protection  for  Corporate Health Insurance
• Cashless Claim Benefits
• Personalized Plans at Affordable Prices
• Enjoy tax benefits under Section 80D

READ MORE; Car Accident Attorney Orlando: Your Guide to Legal Representation

If You Need Protection Against Critical Illnesses;

If you need protection from serious illnesses Treatment for cancer, lung disease and other serious illnesses can completely wipe out your savings.

So if you anticipate chronic illnesses in your family,  check out: Our  policy offers protection against the cost of medical treatment for 32 serious illnesses, like stroke, paralysis , organ transplant, etc.

• Medi-claim policy with low premiums and best coverage
• Easy EMI option available
• Quick recovery consultation
•  Cancer cover at all stages

Details of the Health Insurance Policy and Eligibility Requirements

Although the majority of our health insurance policies have basic qualifying requirements, you can verify the desired coverage to see if there are any unique requirements, such as a waiting period or co-payment:

1. Minimum Entry Age– Individual- 5 years | Floater- 91 days with at least 1 insured person of age 18 years or above
2. Maximum Exit Age– Lifelong for Adults
3. Tenure Options– 1/2/3 Years
4. Cover Types– Individual and Family Floater basis
5. Waiting Period– 30 days for illnesses, except injury | 24 months for named ailments | 48 months for pre-existing diseases
6. Grace Period– 30 days to renew your policy post expiry

What is Covered under Care Health Insurance Plans?

By covering a variety of medical costs in addition to the bills you accrue while in the hospital, insurance for medical expenses gives you complete financial security in an emergency. The policy’s terms and conditions govern the coverage that is offered. Health insurance coverage cover the following costs:

• Coronavirus Treatment
• In-Patient Hospitalization
• Pre-Hospitalization Medical Expenses
• Advanced Medical Treatments
• Daily Allowance
• Post-Hospitalization Medical Expenses
• Domiciliary Hospitalization
• AYUSH Treatments

What is not covered by health insurance?

Health plan exclusions address medical conditions that are not covered.

This means  the insurance company is under no obligation to pay for those medical conditions.

You cannot claim for the following standard exclusions in health insurance plans: Self-inflicted injury due to suicide or suicide attempt.

1. Illness, surgery or medical event occurring within 30 days of  policy start date.
2. Expenses arising from or related to the use/abuse/abuse of alcohol or drugs.
3. Treatment arising out of or in connection with pregnancy and childbirth, miscarriage, abortion and their consequences.
4. Tests and treatments related to infertility and in vitro fertilization.
5. War, riot, strike, hospitalization due to nuclear weapons.

Documents required to File a Claim Under Health Insurance

Whether you are filing for a cashless or reimbursement claim process, some paperwork would be required. Typically, in the case of a cashless claim, the documentation is minimal, and most of the formalities would be completed by the TPA. The reimbursement claim procedure would require you to submit all the paperwork so that there is no delay in verification. It is suggested that you keep the following documents handy to ensure a smooth and quick claim settlement process:

• A duly filled and signed claim form
• Insured person’s details like name, policy number, nature of the illness, address, etc.
• All the diagnostics and medical test reports
• Original payment receipts, hospital bills, and discharge summary papers
• Original pharmacy bills with prescriptions
• Doctor’s referral letter
• Police FIR and post-mortem report in case of personal accident
• Death certificate

RELATED LINKS:Maximizing Your Insurance Coverage: A Comprehensive Guide

How To Buy Health Insurance Online?

The best part  of health insurance available online is the secure payment gateways.

With easy-to-follow steps and trusted payment partners, we give you a seamless experience when buying  health insurance online.

Additionally, our digital gateway allows you to make premium payments through a hassle-free digital payment gateway.

Here is a quick 6-step guide you need to follow to pay your insurance online: Visit our website and choose a health insurance policy based on your needs and number Money is guaranteed.

• Click “Get Quote” and provide relevant details.
• Enter the necessary information and personalize your policy.
• You will be taken to the payment section.
• Make payments via any secure digital payment method.
• You will receive the new health policy document on your registered email address.

Advantages of Buying Health Insurance Online

With our digitally-enhanced portal, it is now easier to buy online health insurance. All you need to do is simply select your preferred health cover, fill up the details, and pay through secure transaction modes. Here’s why and how we ensure customer-friendly purchase a medical insurance plan online:

1. Convenient Policy Selection
2. Chat Option for Queries
3. Instant Premium Quote Calculation
4. Secure Payment Modes
5. Transparent Policy Evaluation
6. Readily Available Value Added Services

How to calculate health insurance premiums?

You can now calculate your insurance premiums using a simple digital calculator designed specifically for medical policies.

Here are the steps to calculate your insurance premium:

• Step 1: Visit the Health Insurance Premium Calculator page.
• Step 2: Select your desired policy and enter your mobile number in the ‘Get a quote’ section.
• Step 3: Enter the PIN and email followed by contact information for all covered members.
• Step 4: Customize the policy by changing the sum insured and additional options as per your requirements.
• Step 5:Your instant health insurance quote is calculated inclusive of 18% GST.

What are the factors that affect health insurance premiums.

We follow an underwriting process and take into account many factors on which your  premium will depend.  Here are some deciding factors:

Age factor: Disease risk increases with age, so insurance premiums will cost you more as you get older, as there are  risks Health risks need to be considered.

 Pre-existing medical conditions: Insurance costs will be high if a person has  pre-existing health conditions, such as hypertension, asthma and diabetes, when purchasing health insurance.

 Body Mass Index: A high BMI indicates  a person may have higher health risks; therefore, people are likely to spend more on insurance premiums.

Lifestyle: Certain dangerous lifestyle habits, including tobacco use, alcohol consumption and smoking, can lead to  high insurance premiums.

 Sum Assured:  Sum Assured is the maximum coverage offered by your health plan. The higher the sum insured, the higher the premium.

 Deductibles and Copayments: Deductibles and copayments refer to the portion of the claim that the insured must pay when settling a claim.

If you choose a higher deductible/copay, the premium  will be lower and vice versa.

If you are young or at low risk for health problems, you can choose a higher deductible/copay to lower your premium.

 Supplemental Insurance: If you want to increase the coverage of your health insurance plan, you can purchase  required supplemental insurance.

However, you should remember that with each addition, the premium will increase.  So make sure you only buy what you really need.

 Your Location: Your health insurance premiums tend to vary depending on the city in which you reside. Areas with high medical costs also have higher insurance premiums.

Your Occupation: Your occupation also determines your health insurance premiums. Indeed, certain occupations have higher medical risks than others and therefore insurance premiums are also high.

How to Renew Health Insurance Policy Online?

Every medical policy terminates when the term for policy ends. That’s why renewing a mediclaim is crucial to ensure uninterrupted healthcare coverage and added advantages like no claim bonus, coverage for a pre-existing ailment, etc. The process of renewing insurance involves the following steps:

1. Visit our official website for health insurance policy renewal.
2. Go to the renew section.
3. Enter the complete details, such as policy number, contact number, etc.
4. Under the payment section, pay the renewal premium through any secure payment mode.

Care Health Insurance Contact Details:

The way you buy health policy online, you also have the facility to renew your health plan through the digital mode, thus saving much effort.

Services Whatsapp Chat 8860402452

Sales Call 1800-102-4499

For More Information Kindly visit their Official Website