Buying a health insurance policy is important to stay covered against any sudden medical emergencies as it provides you with financial assistance. If you don’t already have one, choosing a health insurance provider to buy the policy may feel like a mammoth task. After all, there is a bouquet full of standalone health insurers and general insurance companies offering health insurance in India. One such standalone health insurer that you can consider for buying a policy is Care Health Insurance.
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Care Health Insurance is a well-known health insurance provider in India. Previously known as Religare Health Insurance, the company provides health plans to people of all ages. You can get coverage for medical expenses arising out of hospitalization, ambulance charges, day care treatment, OPD consultations, organ donor expenses, domiciliary hospitalization, alternative treatments and maternity expenses amongst others. Besides, Care Health Insurance comes with several other benefits making it a great pick for you.
Take a look at 12 reasons why you should consider buying a Care Health Insurance policy:
Wide Variety of Health Plans
Care Insurance provides health plans for individuals, families, pregnant women, senior citizens as well as for people with specific diseases. Individuals, as well as families, can opt for Care, Care Advantage and Arogya Sanjeevani policy. While senior citizens above the age of 60 years can buy Care Senior plan, pregnant women can buy Joy maternity benefit plan. Besides these plans, the insurer also offers Care Heart plan for people suffering from heart ailments, Care Freedom plan for diabetic patients and Cancer Mediclaim plan for cancer patients. You can also protect yourself against critical ailments with the help of the Critical Mediclaim plan and enhance your health coverage by buying the Enhance top-up plan. You can a variety of options to choose your health plan as per your requirements and plan eligibility.
Multiple Sum Insured Options
The various Care Health Insurance plans come with a wide range of sum insured options. The insurer offers a sum insured of as low as Rs 3 lakh to as high as Rs 6 crore. Almost all Care health plans have multiple sum insured options, except for the Arogya Sanjeevani policy and the Care Advantage plan. While the Arogya Sanjeevani plan comes with a fixed sum insured of Rs 5 lakh, the Care Advantage plan offers a fixed sum insured of Rs 1 crore. However, the Enhance top-up plan comes with a sum insured starting from Rs 1 lakh. You can opt for a sum insured that can comfortably cover your annual health expenditure without being heavy on your pockets.
Vast Health Coverage
Health plans by Care Insurance provide a wide range of coverage to the insured. Some of the coverage provided by Care Health Insurance plans are in-patient hospitalization expenses, organ donor expenses, road ambulance charges, domiciliary treatment expenses, day care treatment expenses, AYUSH treatment cost, etc. While Care Freedom and Care Heart plans cover treatment cost for diabetes and heart ailments respectively, Cancer Mediclaim and Critical Mediclaim plans provide coverage for cancer and critical ailments, such as stroke, paralysis, etc.
No Maximum Entry Age
Unlike most health insurance plans in India, Care Health Insurance plans do not come with any maximum entry age for adult applicants. This means anybody can apply for health policy by Care Insurance irrespective of their age as long as they suffice the minimum entry age requirements. For instance, you can apply for a Care health plan at the age of 25 years as well as at 75 years. The only exception is the Joy Maternity plan, which requires the applicants to not be older than 45 years.
No Pre-Policy Health Check-Up
Most Care Health Insurance plans do not require you to appear for a medical check-up before purchasing the policy. The insurer issues most of its health plans without any pre-policy health check-up. However, some people may need to undergo a health check-up to buy or renew Joy or Enhance plan. Under the Joy plan, insured aged 46 years and above will need to undergo a pre-policy check-up to renew the plan. Similarly, applicants of Enhance plan above 50 years of age who have opted for a coverage of Rs 40 lakh or more will have to appear for a medical check-up to buy the plan.
Pre & Post Hospitalization Expenses
All Care Health Insurance plans provide coverage for pre-hospitalization as well as post-hospitalization expenses. Pre-hospitalization expenses refer to the medical expenses incurred before getting admitted to the hospital, such as diagnostic tests. On the other hand, post-hospitalization expenses are the medical expenses incurred after getting discharged from the hospital, such as follow-up consultation. Care Insurance plans covers pre-hospitalization expenses for up to 30 days before hospital admission and post-hospitalization for up to 60 days after getting discharged from the hospital.
Wide Range of Add-On Covers
Health plans by Care Insurance comes with a wide range of add-on covers. For those new to the insurance domain, add-on covers are additional protection that you buy for a higher premium to enhance your health insurance coverage. Some of the add-on covers available under Care Health Insurance are PED Wait Period, No Claim Bonus Super, OPD Care, Global Coverage, Daily Allowance, Unlimited Automatic Coverage, Home Care, International Second Opinion, Air Ambulance Cover, etc. Thus, you can opt for those add-ons that you really need and that fits your budget.
Cashless Treatment Facility
Care Insurance provides cashless treatment facility to all its customers irrespective of which health plan they have purchased. The facility is available at all network hospitals of the insurance company. At present, Care Health Insurance has a network of more than 7800 empanelled hospitals across the globe. All you need to do is get admitted to one of Care Insurance’s network hospitals to avail cashless treatment facility.
Free Annual Health Check-Up
Another lucrative benefit of buying Care Health Insurance plans is that you get a free health check-up facility every year. Unlike most health plans in India, annual health check-up facility under Care Insurance is not dependent on your claim history. You don’t need a claim-free year to be eligible for a free health check-up. Moreover, the free annual health check-up facility is available under all health plans provided by the insurer.
All Care Health Insurance plans come with lifetime renewability option. This means you can continue renewing your health insurance policy by Care Insurance and stay covered for as long as you live. You will not need to switch your health plan or your insurer after attaining a certain age to ensure medical coverage.
High Claim Settlement Ratio
Care Health Insurance is reliable and efficient when it comes to settlement of claims. Currently, the company enjoys a claim settlement ratio of 93 per cent. The claim settlement ratio refers to the percentage of claim settled by an insurance company in a financial year against the total claims received. With such a high claim settlement ratio, you can be assured that Care Insurance will pay for your medical expenses in case of a claim.
Quick Claim Assistance
When it comes to insurance claims, Care Health Insurance has a quick claim assistance service. It has an efficient claim support team, which is available to help you out 24x7. Moreover, the company approves all cashless claims within a time span of 2 hours. Thus, you can avail cashless treatment without any delay if you have a Care insurance policy.
Summing It Up
Care Health Insurance is one of the most popular standalone health insurers in India offering a wide range of health covers. Given the benefits available under Care health plans, buying a policy from the insurance company can be a great decision. Make sure to compare the premiums for different health plans before buying a policy that provides your ideal coverage at a pocket-friendly rate.
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