Care Health Insurance

 Ans: The age limit for most Care health insurance plans is 90 days for children and 18 years for adults. However, most plans do not come with an upper age limit for adults.

Ans: Yes. Robotic surgery is covered as a part of advance technology methods under most Care health insurance plans.

 Ans: The automatic recharge benefit in Care health insurance automatically recharges the sum insured by 100% upon exhaustion before the policy renewal. While some plans allow automatic recharge unlimited times in a year, others may allow it only once a policy year.

 Ans: Whether Care Freedom or Care Supreme is better for you depends on your health needs. Care Freedom is beneficial for people with diabetes, high BP, high BMI and kidney disease. On the other hand, Care Supreme provides comprehensive coverage for a wide range of diseases. You can compare both plans on Policybazaar.com and choose the one that suits your health needs better.

 Ans: Everyday care is an add-on cover available in multiple Care health insurance plans that covers OPD consultations and diagnostic tests.

 Ans: Yes. Care health insurance offers cashless treatment facilities at all hospitals across India with the cashless everywhere benefit.

 Ans: Co-payment is a part of your claim amount, which you will have to pay at the time of claim settlement. Co-pay can be a percentage of the sum insured or an absolute amount decided before the policy purchase.

 Ans: The following are the benefits of buying a Care Health Insurance plan at an early age:

• Lower Premiums: The premium of a health plan increases with the age of the policyholder. So, the sooner you buy health insurance, the lower the premiums you will have to pay.
• Coverage for Pre-existing Illness: Care Health Insurance plans cover medical issues that you may develop later with age. But such diseases are covered after a waiting period. So, if you buy insurance early, your waiting period will be over by the time you are diagnosed with such age-related diseases.
• No Claim Bonus: Each claim-free year fetches a considerable discount on the renewal premium amount due to no claim bonus. The chances of raising a claim are lower when you are young. Hence, you can reduce your renewal premium by buying health insurance early.

 Ans: The Care family floater plan is a health insurance plan that provides coverage to the entire family, including self, dependent children, spouse, and parents, in one plan for a single premium amount. However, the premium is shared among all family members on a floater basis.

 Ans: The following medical expenses are not covered under Care Health Insurance:

• Any surgery, disease or event that occurs or shows first signs or symptoms within the initial 30 days of the policy term, except for accidental injuries
• Self-inflicted injuries arising out of an attempt to suicide
• Medical costs incurred due to any disease or event arising out of alcohol consumption or drug abuse
• Expenses incurred on the treatment of infertility (in vitro fertilization) or sterility.
• Medical contingencies arising out of riot, war, strike, nuclear threat, etc.
• Cosmetic or plastic surgery
• Dietary supplements and substances

 Ans: Under the auto recharge feature, Care health insurance automatically recharges the sum insured under the policy in case the base sum insured or accumulated no claim bonus gets exhausted during the policy term. The recharge facility may be available once or multiple times during a policy year for the same or unrelated illness. However, the terms and conditions may vary from policy to policy.

 Ans: No Claim Bonus (NCB) enables policyholders to earn a discount on their renewal premium if they do not make any claim in a policy year. Under some plans, NCB benefits the customers by increasing their policy sum insured by a fixed percentage without any increase in premium for not raising any claim.

For eg: If your sum insured is ₹10 lakh and you earn an NCB of 10% for not raising a claim, then your sum insured will increase to ₹11 lakh without any additional premium payment after the 1st claim-free year.

 Ans: A deduction from your Care health insurance claim amount can be made due to the following reasons:

• Lack of appropriate documents, such as prescriptions, bills, etc.
• Sum insured exhaustion
• Sub-limits
• Co-payment
• Expenses incurred on any treatment that is not related to the issue for which the patient has been admitted

 Ans: You can find the Care health insurance hospital list with your policy document or on the insurer’s website. You can also visit Policybazaar.com to check the city-wise list of network hospitals of the insurance company.

 Ans: A Care Health Insurance (Formerly Religare Health Insurance) policy can be cancelled by raising a written cancellation request with the insurance company. The insurer will cancel the policy and refund the paid premium after deducting the cancellation fee. However, if you cancel the policy during the free-look period or the first 15 days of the policy term, no cancellation fee will apply.

 Ans: Care Health Insurance Company requires you to submit the following documents for portability:

• A duly filled portability form
• A copy of your existing health insurance policy
• A copy of the policy renewal notice
• Care proposal form
• Identity proof
• Address proof
• Self-declaration from the policyholder in case of no previous claims

 Ans: If you want medical coverage only for yourself, an individual Care health insurance policy is recommended. However, you can choose a Care family floater policy at a young age, as it will ensure medical coverage for your entire family under a single plan for a nominal premium. However, you must port to an individual insurance plan when you are old, as you are more prone to diseases and consequent hospitalization in old age, leading to a higher premium.

 Ans: You can check your Care health insurance policy details by going through your policy document or logging in to the website of the insurer.