11 Popular Care Health Insurance Plans That You Can Consider Buying

Health insurance is a necessity for people of all ages. It helps a person to arrange financial aid in case unforeseen medical emergencies, such as hospitalization due to accidents, medical illness, etc., strikes. Given the constant rise in the cost of healthcare facilities in India, it becomes prudent for every person to be covered under a health insurance policy. Fortunately, several insurance companies in India provide comprehensive health insurance plans at competitive rates. One such widely sought-after health provider in India is Care Health Insurance Limited.

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    Care Health Insurance Limited

    Care Health Insurance Limited is a popular health insurance provider in India. It offers a variety of health insurance plans for individuals as well as for families. It has customized plans for senior citizens as well as maternity plans for women hoping to start a family soon. Moreover, Care Health Insurance Limited also offer specific plans designed for people diagnosed with diseases, such as diabetes, cancer, heart ailments, etc.

    Care Health Insurance Limited also provides several facilities to its customers. To begin with, people can buy Care health insurance online as well as through an insurance agent. The customers can avail free health check-up facility every year. The insurer provides cashless treatment facility at more than 11,000 hospitals. Moreover, Care Health Insurance Limited boasts of processing a cashless claim in approximately two hours. The insurer also claims to enjoy a claim settlement ratio of 92.3 per cent, which is very impressive. Besides, they also have a claim support team available 24x7.

    11 Popular Health Insurance Plans Offered by Care Health Insurance

    Buying a health insurance plan by Care Health Insurance Limited can be really beneficial. Here are 11 popular health insurance plans offered by Care Health Insurance Limited:

    1. Care - Comprehensive Family Health Insurance Plan

    Care is a comprehensive health plan designed to cover the medical needs of an individual as well as the entire family. It provides coverage for various medical expenses arising out of emergency ambulance services, in-patient hospitalization, domiciliary hospitalization, pre-hospitalization, day care, post-hospitalization, organ donor and second opinion. It also covers the cost of modern treatments, such as HIV/ AIDS, robotic surgery, etc.

    Care plan offers a wide range of sum insured options ranging from Rs 4 lakh to Rs 6 crore. The plan coverage can be enhanced with add-on covers, such as No Claim Bonus Super, OPD Care, COVID Care, Reduction in PED Wait Period, Daily Allowance, Everyday Care, Discount Connect & Unlimited E-Consultation, etc.  

    2. Care Freedom

    Care Freedom is a health insurance plan for people battling with diabetes, BMI and high blood pressure (BP). It does not require the plan applicants to appear for a pre-policy check-up while buying Care health insurance online. It covers the cost of dialysis, ambulance charges, cost of consumables, in-patient hospitalization charges, day care treatment expenses, domiciliary hospitalization charges, etc. It also comes with companion benefit and covers pre & post-hospitalization expenses.

    Care Freedom comes with the sum insured options of Rs 3 lakh, 5 lakh, 7 lakh and 10 lakh. The plan coverage can be further enhanced with the help of Health Check+ and Home Care add-on covers.

    3. Care Advantage

    Care Advantage is a health insurance plan that comes with a sum insured option of up to Rs 1 crore. The plan allows people to buy Care health insurance online with higher medical coverage of Rs 25 lakh, Rs 50 lakh as well as Rs 1 crore. It covers the medical treatment costs arising out of day care treatment, in-patient hospitalization, organ donor, pre-hospitalization, emergency ambulance and post-hospitalization. The Care Advantage plan coverage can be increased by buying add-on covers, such as Smart Select, Care Shield, Room Rent Modification and No Claim Bonus Super.

    4. Arogya Sanjeevani Policy

    Arogya Sanjeevani is a standard health insurance policy offered by all health providers, including Care Health Insurance Limited. It provides a wide range of policy coverage with the sum insured ranging from Rs 1 lakh to Rs 5 lakh for affordable premiums. The policy coverage includes in-patient hospitalization, cataract treatment, AYUSH treatment, emergency ambulance and diagnostic tests. Pre & post-hospitalization expenses for up to 30 & 60 days respectively are also available. The plan also comes with a cumulative bonus that increases sum inured by 5% for every claim-free year.

    5. Care Heart

    Care Heart is a health insurance plan designed to cover pre-existing heart ailments of people. Given how common heart diseases are in India, this plan is crucial to ensure quality treatment. Medical expenses arising out of pre-hospitalization, post-hospitalization, AYUSH treatment, domiciliary hospitalization, ambulance services, total knee replacement, etc. are covered under this plan. Besides, the insured also gets an annual cardiac health check-up for free under this plan.

    Care Heart plan comes with the sum insured options of Rs 3 lakh, Rs 5 lakh, Rs 7 lakh and Rs 10 lakh. The plan coverage can be improved by using the Home Care add-on cover.

    6. Care Senior

    Care Senior is a customized health plan designed especially for senior citizens above the age of 60 years. It covers medical expenses arising out of emergency ambulance services, in-patient hospitalization, pre-hospitalization, organ donor, day care treatment, post-hospitalization, daily allowance, alternate treatment, domiciliary hospitalization and second opinion. Moreover, the applicants do not have to undergo a pre-policy health check-up while buying Care health insurance online.

    Care Senior plan can be purchased with a sum insured of Rs 3 lakh, Rs 5 lakh, Rs 7 lakh and Rs 10 lakh. The applicants can also extend the policy coverage with add-on covers, such as Co-Payment Waiver, Care Shield, Reduction in PED, OPD Care and NO Claim Bonus Super.

    7. Enhance

    Enhance is a top-up health insurance plan offered by Care Health Insurance Limited. It acts as a secondary policy to complement the coverage provided by primary health policy. The plan covers the cost of in-patient hospitalization, day care treatment, pre-hospitalization, organ donor and post-hospitalization. It also comes with Enhance Anywhere cover, which ensures that medical expenses incurred across the globe is covered. Moreover, no health check-up is required at the time of buying this Care health insurance online.

    The Enhance plan offers floater coverage with sum insured option ranging from Rs 1 lakh to Rs 10 lakh. The plan coverage can be enhanced with Expert Opinion and Everyday Care add-on cover.

    8. Joy

    Joy is a health insurance plan designed especially to cover the medical expenses of pregnant women. It is a maternity insurance plan that comes along with the newborn baby cover. Under this plan, you can get coverage for medical expenses incurred on in-patient hospitalization, day care treatment, pre-hospitalization, road ambulance, newborn birth defects and post-hospitalization.

    The Joy plan is available for a sum insured of Rs 3 lakh and Rs 5 lakh. The plan coverage can be amplified with the help of No Claim Bonanza cover. Moreover, this plan can be purchased for either a tenure of 9 months or 24 months.

    9. Corona Kavach Policy

    Corona Kavach is a health plan designed to cover the treatment cost of COVID-19. It is an indemnity-based health plan available for both individuals and families. It provides coverage for in-patient hospitalization expenses due to COVID-19, pre-hospitalization costs, home care treatment expenses, cost of consumables (PPE kit, masks, etc.), road ambulance charges, AYUSH treatment expenses and post-hospitalization costs. However, the plan benefits can be availed only if the insured was tested COVID-19 positive at a diagnostic center authorized by the government.

    The Corona Kavach policy offered by Care health insurance online is available for a sum insured ranging from Rs 50,000 to Rs 5 lakh. The plan also comes with Hospital Daily Cash add-on cover. Moreover, the policy is available for a tenure of 3.5, 6.5 and 9.5 months.

    10. Critical Mediclaim

    Critical Mediclaim is a health policy that covers the treatment cost arising out of critical ailments. It is an affordable plan that covers the insured against 32 critical illnesses, including major organ transplant, end-stage renal failure, cancer, benign brain tumour, paralysis, coma, stroke, multiple sclerosis, end-stage lung disease and blindness. The plan covers the cost of in-patient hospitalization, OPD consultations, pre-hospitalization, organ donor, day care treatment, alternative treatment, post-hospitalization and road ambulance. Besides, it also covers medical expenses incurred on the specialized procedures, such as chemotherapy, radiotherapy, dialysis, etc.

    The Critical Mediclaim plan is available for sum insured of Rs 10 lakh, Rs 25 lakh, Rs 50 lakh, Rs 1 crore and Rs 5 crore. The plan also comes with an optional cover of air ambulance and international second opinion.

    11. Cancer Mediclaim

    Cancer Mediclaim is a customized health policy for cancer patients. It plan covers the insured against cancer detected at all stages. It provides coverage for the medical expenses incurred on radiotherapy, chemotherapy, pre-hospitalization, OPD consultations, in-patient hospitalization, alternative treatment, day care treatment, ambulance services, organ donor and post-hospitalization.

    The Cancer Mediclaim plan offered by Care health insurance online is available for sum insured options ranging from Rs 10 lakh to Rs 2 crore. The policyholder can enhance the plan coverage with an international second opinion and air ambulance cover.

    Summing It Up

    Care Health Insurance Limited provides a wide range of health plans to cater to the health needs of different people. Right from hospitalization due to infections and surgeries to cancer and heart ailments, there are health plans to cover them all. Thus, a person should identify his/ her health needs and accordingly purchase Care health insurance online.

    Written By: PolicyBazaar - Updated: 30 July 2021

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