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Understanding the Automatic Recharge Feature of Care Health Insurance
Care Health Insurance, formerly known as Religare Health Insurance, is one of the reputed health insurance companies in India. The insurer offers a variety of medical insurance plans to meet different healthcare needs. One of the standout features of its mediclaim plans is the automatic recharge feature, which replenishes your sum insured if it gets exhausted due to claims. In this article, let us learn about this feature in detail.
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- Understanding the Automatic Recharge Feature of Care Health Insurance
What is the Automatic Recharge Feature in Care Health Insurance?
Automatic recharge is a feature in Care health insurance that refills the sum insured in your health insurance policy if it gets completely exhausted due to claims in a policy year. This means that even if you exhaust your coverage, the insurer will refill it without any extra cost.
Some Care health insurance plans come with this benefit as a built-in feature, while some offer it as a health insurance add-on. In fact, certain Care health plans provide unlimited recharge, allowing the sum insured to be reinstated multiple times in a year. This feature is helpful for families with different medical needs, allowing uninterrupted coverage during medical emergencies.
How Does Automatic Recharge Feature Work?
The automatic recharge feature works by reinstating the sum insured if it gets used up during a policy year due to health insurance claims. However, it activates only when your entire sum insured is exhausted. Also, it is important to note that the recharged amount cannot be used for any medical expense related to a previous claim in the same policy year.
Let us understand the working of unlimited automatic recharge in Care health insurance with the help of an example.
Suppose you have a mediclaim insurance policy with a sum insured of ₹5 lakh. Now, if you make a claim of ₹5 lakh for hospitalisation, your entire coverage is exhausted. In a normal scenario, this would mean you have no sum insured left for the rest of the year. But with the automatic recharge feature, the insurance company will refill the ₹5 lakh sum insured, so you can still make claims for other medical expenses during the same policy year.
Benefits of Automatic Recharge in Care Health Insurance
Here are some of the key benefits of automatic recharge in Care health insurance:
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Ideal for Family Health Plans
In a family floater health insurance plan, the sum insured is shared among all family members. So, if one person gets hospitalised and uses the entire sum insured, others are left without protection. In that case, the automatic recharge feature ensures that even if one family member’s claim exhausts the sum insured, it gets refilled automatically, allowing other family members to use it if needed.
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Continuous Coverage
With automatic recharge, you do not have to worry about being left with zero sum insured. It ensures that even if your sum insured is fully used, it gets recharged, so you have coverage for future medical expenses within the same policy year.
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Covers Multiple Claims in a Year
Health issues do not always come just once a year. You or a family member may need multiple hospital visits or treatments within the same policy year. Automatic recharge allows you to make multiple claims by refilling the sum insured amount every time it gets exhausted.
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Peace of Mind
Knowing that your health insurance coverage will be reinstated if exhausted gives you peace of mind and confidence in handling medical situations.
Things to Know About Automatic Recharge Feature
Listed below are a few things that you should know about the automatic recharge feature in mediclaim insurance:
- The automatic recharge feature can be utilised only when the No Claim Bonus (NCB) and sum insured have completely been exhausted in your current policy year.
- The recharge amount cannot exceed the sum insured amount of that policy year.
- The reinstated sum insured will be available for future claims only and will not cater to the injury or illness for which the claim has previously been paid.
- You cannot utilise the automatic recharge amount if there is only one claim made in a specific policy year.
- If the recharged sum insured is not entirely used in a claim, the remaining amount can be utilised for future medical expenses within the same policy year until it is completely exhausted.
- You cannot carry forward your unused recharge amount to the next policy year.
- The automatic recharge feature is not available for optional covers.
FAQs
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Q1. What is the automatic recharge in Care health insurance?
Ans: Automatic recharge is a feature that refills your health insurance coverage amount if it gets fully used due to medical claims in a policy year. This ensures that you continue to have coverage for future medical expenses without paying extra. -
Q2. What is unlimited automatic recharge in Care health insurance?
Ans: Unlimited automatic recharge means that your sum insured is reinstated an unlimited number of times in a policy year whenever it gets exhausted. -
Q3. What happens if the recharged sum insured is not fully used?
Ans: If the recharged sum insured is not completely used in a claim, the remaining amount can still be used for future medical expenses within the same policy year. However, any unused recharge amount cannot be carried forward to the next policy year.
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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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