Types of Health Insurance Policies by Care Health Insurance (Formerly known as Religare Health Insurance)

Section 80D of the Income Tax Act Gone are the days when health insurance plans were optional. In this fast-paced life where health has become the major concern for all, insuring self and family against financial crisis in case of any health issue is necessary. This is the reason there are various health insurance plans available and more and more people opt are opting for the best solution to protect self and family. One of the reliable health insurance companies that offer a high sum assured at an affordable cost and has a vast array of network hospitals is Care Health Insurance (Formerly known as Religare Health Insurance)

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      Care Health Insurance (Formerly known as Religare Health Insurance) is a standalone health insurance provider of India that has stakeholders of three entities - the first company is Care Enterprise Limited - a leading financial service provider group of India, Corporation Bank, and Union Bank. Apart from health insurance, the Care Travel Insurance plans also provide wide coverage in affordable sum assured.

       

      Let us get an overview of Care Health Insurance (Formerly known as Religare Health Insurance) plans:

      Care Health Insurance (Formerly known as Religare Health Insurance)- Key Features

      • The family health insurance plans of Care Health provide coverage for six family members wherein 4 adults and 2 children are covered.
      • The health plans also provide coverage of pre and post hospitalization. In this, 30 days of pre-hospitalization and 60 days of post-hospitalization are covered.
      • The availability of lifelong renewal makes Care Health Insurance (Formerly known as Religare Health Insurance) one of the sought for insurance policies.
      • Facility of free health checkup for the insured are also provided.
      • The plans also cover pre-existing disease after a waiting period of 4 years.

      Care Health Insurance (Formerly known as Religare Health Insurance) - Advantages

      • A Wide Array of Network Hospitals: The insurance company has 4100+ network hospitals across India.
      • The Promoters of Care Health Insurance (Formerly known as Religare Health Insurance) Company: The founders of SRL Diagnostic and Fortis Healthcare are the promoters of Care Health Insurance (Formerly known as Religare Health Insurance).
      • No-Claim Bonus: Some products of Care Health Insurance (Formerly known as Religare Health Insurance) Company provide No Claim Bonus of up to 150%.
      • Claim Settlement Ratio: The Company has a very good claim settlement ratio.

      Types of Health Insurance Policies by Care Health Insurance (Formerly known as Religare Health Insurance) Company

      The types of Health Insurance policies provided by Care Health Insurance (Formerly known as Religare Health Insurance) Company are:

      • Care Health Care Plan: It is a comprehensive health insurance plan that offers coverage for self and family. The auto-renewal feature and free check-up facility of this plan make it one of the most wanted health insurance covers. You can purchase this plan online without any extensive paperwork.
      • Eligibility:
        • The minimum age to take this plan is 91 days and there is no cap on maximum age.
        • The policy provides the option of lifelong renewal.
        • The plan has a waiting period of 30 days for illness, however, it is not applicable for injury.
        • At the time of renewal, you can enhance the sum insured as well.
        • Other Benefits:
        • Pre-hospitalization expenses of 30 days and post hospitalization expenses of 60 days are provided.
        • This plan offers tax benefit under Section 80D of the Income Tax Act.
        • Up to 100%, no claim bonus is given.
        • You can avail a discount 10% on a 3-year policy and get 7.5% discount on a policy of 2 years.
        • It provides coverage that ranges from between Rs.3 Lakhs to Rs.6 Crores.
      • Care Health Joy Plan: It is a plan that provides coverage for maternity and newborn babies.
      • Eligibility:
        • Minimum entry age is18 years for adults and 1 day for newborn babies.
        • Maximum entry age is 65 years for adults, 90 days for newborn babies, and 24 years for children.
      • Other Benefits:
        • Tax benefits are given for all the paid premiums.
        • The plan provides 15 days of free look period.
        • 90 days coverage for newborn babies is provided.
        • Pre-hospitalization of 30 days and post-hospitalization of 60 days.
      • Care Health Care Freedom Plan: It is an insurance plan for senior citizens. It provides coverage between Rs.3 Lakhs to Rs.10 Lakhs for the policy term of one, two, and three years.
      • Eligibility:
        • The minimum age to get this plan is 46 years
        • The maximum age of renewability of this plan is lifelong and it is on floater basis.
      • Other Benefits:
        • Provides 10% coverage for post and pre-hospitalization expenses.
        • If the hospitalization expenses exceed 10 days, then the companion benefit of Rs.15, 000 is provided.
      • Care Health Enhance Plan: It is a super top-up plan for individuals who already have Care Health Insurance (Formerly known as Religare Health Insurance) policy.
      • Eligibility:
        • Minimum entry age is one day (floater).
        • No maximum entry age.
      • Other Benefits:
        • Free annual health checkup for self and the entire family.
        • Free look period of 15 days.
        • Provides 30 days pre-hospitalization 60 days of post-hospitalization.
        • Tax benefit under section 80D of the Income Tax Act.
      • Care Health Assure Plan: This is a health insurance plan that provides coverage for personal accident and critical illness.
      • Eligibility:
        • Minimum age is 18 years.
        • Maximum age is 65 years.
        • A discount of 7.5% for a policy of 2 years and a discount of 10% on the plan of 3 years is given.
      • Other Benefits:
        • This plan covers 20 critical illnesses.
        • The plan also gives the option of getting an additional doctor.
        • The plan provides the facility of free annual health checkup for family and self.
        • Income tax benefits are given.
      • Care Health Secure Plan: This plan provides coverage for a personal accident with value addition.
      • Eligibility:
        • Minimum age to get this plan is 91 days.
        • Maximum entry age is 70 years for children and 24 years for a child.
        • The plan offers lifelong renewability feature.
      • Other Benefits:
        • In case of loss, sum assured is paid to the legal heir or nominee of the insured.
        • Ambulance expenses are reimbursed.

      Final Words:

      These are the plans of Care Health Insurance (Formerly known as Religare Health Insurance) Company. You can select one as per your requirement and eligibility. However, for covering your travel against any loss or damage, it is recommended to see the benefits offered by Care Travel Insurance.  

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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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