Care Health Insurance (Formerly Religare): Plans, Buy Online & Claim Benefits

Care Senior Health Advantage Plan

Care Senior Health Advantage is a health insurance policy designed for elderly people of age 60 years and above. It comes with a sum insured of Rs 5 lakh and Rs. 10 Lakh.

Features and Benefits:

In-patient hospitalization, day care treatments and advance technology methods are covered
Annual health check-up facility and unlimited e-consultations available
Pre and post-hospitalization cover is available for 30 days and 60 days respectively
Organ donor cover and road ambulance cover are available
AYUSH treatment and domiciliary hospitalization expenses are also recompensed
10% No Claim Bonus for up to 50% is available for every claim-free year

Care Classic Plan

Care Classic is a family health insurance plan that allows policyholders to decide their premiums based on the city they reside in. It is available with a sum insured of Rs 5 lakh, Rs 7 lakh, Rs 10 lakh and Rs 15 lakh.

Features & Benefits:

Coverage for in-patient care, pre-post hospitalization and domiciliary hospitalization are available
Assisted reproductive treatment, second opinion and organ donor expenses are covered
Unlimited automatic recharge of the sum insured is available for the same or unrelated illness
Cost of AYUSH treatments, day care treatments and advance technology methods are covered
Ambulance cover, compassionate travel, unlimited e-consultations and value-added services are available
25% no claim bonus for up to 150% is available for every claim-free year
OPD care and annual health check-up benefit are available as optional benefits

Care Enhance Plan

Care Enhance is a top-up health insurance policy that comes useful in case the base sum insured of the existing health plan gets exhausted. It comes with a mandatory deductible ranging from Rs 1 lakh to Rs 20 lakh for a sum insured of Rs 1 lakh to Rs 40 lakh. The plan is available in two variants – Enhance 1 and Enhance 2.

Features and Benefits:

In-patient hospitalization expenses incurred on a single private AC room are covered
Coverage for both pre-hospitalization and post-hospitalization are available
No sub-limits on the hospitalization and ICU charges
Organ donor expenses and day care treatment are covered
Annual health check-up facilities and Enhance anywhere cover are available
No pre-policy medical check-up is required for up to 50 years and/or Rs 40 lakh sum insured
Expert opinion benefit is available as an add-on cover

Care Freedom Plan

The Care Freedom plan has been especially designed to cover people suffering from diabetes, hypertension and high BMI. It is available for a sum insured of Rs 3 lakh, Rs 5 lakh, Rs 7 lakh and Rs 10 lakh.

Features and Benefits:

In-patient care and day-care treatment are covered up to the sum insured limit
100% restoration of sum insured and annual health check-up facilities are offered
Both consumable allowance and companion benefit are available
Dialysis charges and domiciliary hospitalization expenses are recompensed
Pre and post-hospitalization charges as well as ambulance charges are covered
Home care and health check-up+ are available as optional covers

Care Critical Mediclaim Plan

The Care Critical Mediclaim plan offers comprehensive coverage for 32 critical illnesses. The plan is a part of the Super Mediclaim policy and is available for a sum insured of Rs 10 lakh to Rs 2 crore.

Features and Benefits:

In-patient hospitalization, OPD expenses and alternative treatments are covered
Chemotherapy & radiotherapy cover and dialysis cover are available
Road ambulance, organ donor expenses and second opinions are covered
Global coverage and no claim bonus are available
Day care treatments, pre-post hospitalization expenses and health services are covered
Free annual health check-ups from the 2nd year of the policy term are available
No pre-policy issuance medical check-up is required
Optional covers, such as unlimited automatic recharge, reduction in PED wait period, room rent modification, etc. are available
International second opinion, air ambulance and additional sum insured for accidental hospitalization are available as optional covers

Care Cancer Mediclaim Plan

Care Cancer mediclaim plan offers lifelong coverage for cancer of all stages. It is a part of the Super Mediclaim policy and is available for a sum insured ranging from Rs 10 lakh to Rs 2 crore.

Features and Benefits:

Inpatient hospitalization expenses, day care treatments and alternative treatments are covered
Ambulance cover, second opinion, OPD cover and global coverage are available
Cost of chemotherapy and radiotherapy are covered
Organ donor expenses, pre & post-hospitalization expenses and health services are covered
Annual health check-up facilities and no claim bonus are available
No pre-policy medical check-ups are required
Air ambulance cover and international second opinion are available as optional covers
Unlimited automatic recharge, reduction in PED wait period and room rent modification are also available as optional covers

Care Heart Mediclaim Plan

Care Heart Mediclaim plan offers coverage for 16 major heart-related illnesses that include relapse cases. This plan falls under the Super Mediclaim policy and is available for a sum insured ranging from Rs 10 lakh to Rs 2 crore.

Features and Benefits:

In-patient hospitalization costs, alternative treatments and day care treatments are covered
Global coverage, ambulance cover, second opinion and organ donor cover are available
OPD expenses and pre-post hospitalization expenses are covered
No claim bonus and annual health check-up facilities are available
No pre-policy health check-up is required
Optional covers, such as air ambulance cover, international second opinion and reduction in PED wait period, etc. are available
Room rent modification and unlimited automatic recharge are available as add-on covers

Care Plus Plan

The Care Plus plan offers comprehensive coverage for a wide range of benefits to the insured for planned and emergency medical expenses. It is available with a sum insured plan ranging from Rs 3 lakh to Rs 25 lakh.

Features & Benefits:

Coverage for in-patient care, domiciliary hospitalization and AYUSH treatments are available
Day care treatments, pre-post hospitalization expenses and advance technology methods are covered
Road ambulance, air ambulance and personal accident cover are available
OPD expenses, second opinion and organ donor expenses are covered
Unlimited automatic recharge, inflation shield and unlimited e-consultations are available
50% no claim bonus protect for up to 200% is available for every claim-free year
Health services and earn & burn benefit are also available
Maternity & newborn cover, international second opinion and smart select are available as optional benefits

Care Heart Insurance plan

Care Heart Insurance plan has been designed to provide coverage to cardiac patients suffering from pre-existing heart ailments. The plan offers a sum insured of Rs 3 lakh, Rs 5 lakh, Rs 7 lakh and Rs 10 lakh.

Features and Benefits:

In-patient hospitalization expenses and pre & post-hospitalization expenses are covered
Annual cardiac health check-ups and ambulance cover are available
Alternative treatments, day care treatments and domiciliary hospitalization are covered
100% automatic restoration of the sum insured is available
10% no claim bonus is granted on every claim-free year
No pre-policy issuance medical check-up is required
OPD care, international second opinion, home care and active health check-up thrice a year are available as optional benefits

Care Arogya Sanjeevani Policy

Care Arogya Sanjeevani Policy is a standard health insurance product that helps the insured avail medical services without any financial constraints. The plan comes with a sum insured ranging from Rs 50,000 to Rs 10 lakh.

Features and Benefits:

Hospitalization expenses, ambulance charges and AYUSH treatments are covered
Coverage for dental treatments and plastic surgery in the case of an injury or disease are available
Cataract treatment, modern treatments and day care procedures are covered
Both pre-hospitalization and post-hospitalization cover are available
5% cumulative bonus for up to 50% is available for not raising a claim

Care Operation Mediclaim Plan

Care Operation Mediclaim plan has been designed to provide comprehensive medical coverage for all surgical procedures without any financial constraints. The policy is a type of Super Mediclaim policy and is available for a sum insured ranging from Rs 10 lakh to Rs 2 crore.

Features and Benefits:

In-patient charges, pre and post-hospitalization expenses and day care treatments are covered
Organ donor cover, global cover, ambulance cover and second opinion are available
No claim bonus and annual health check-up facilities are available
No pre-policy medical check-up is required
Air ambulance charges, unlimited automatic recharge and international second opinion are available as optional covers
Reduction in PED wait period and room rent modification are also available as optional covers

Care Secure Personal Accident Insurance Plan

Care Secure Personal Accident Insurance plan provides financial support in case the insured gets injured or dies in an accident. The sum insured of this plan ranges from Rs 10 lakh to Rs 25 crore.

Features and Benefits:

Lump sum payment is made in case of an accidental death
Coverage for permanent total and partial disability are available
Medical expenses incurred on the treatment of any fractures and burns are covered
Child education, disappearance cover, mobility cover, loyalty benefit and nursing care benefit are available
Reconstructive surgery expenses and the cost of repatriation of mortal remains are covered
Reimbursement of ambulance charges and the cost of major diagnostic tests are available
Optional covers, such as accidental hospitalization, convalescence benefit, accidental OPD cover, common carrier mishap cover, compassionate visit, etc. are available
Temporary total disablement, permanent partial disablement improvement and daily allowance are available as optional covers

Care Corona Kavach Policy

Care Corona Kavach Policy is a COVID-19 health insurance policy that covers expenses incurred on the coronavirus treatment including the cost of oxygen cylinders, PPE kits, gloves, ventilators, masks, etc. The plan is available for a sum insured of Rs 50,000 to Rs 5 lakh.

Features and Benefits:

Coronavirus treatment taken in a government-recognized hospital and at home is covered
Road ambulance cover, pre-post-hospitalization cover and AYUSH treatment are available
Co-morbidities along with pre-existing diseases like blood sugar, blood pressure, hypertension, etc. are covered
Cost of consumable items like PPE kits, gloves, oximeters, etc. are covered
Hospital daily cash benefit is available as an optional cover

Care Advantage plan

Care Advantage plan is a 1 crore health insurance policy that offers comprehensive coverage for a number of illnesses to meet the rising healthcare costs. It also offers a sum insured amount of Rs 25 lakh and Rs 50 lakh apart from Rs 1 crore.

Features and Benefits:

In-patient hospitalization expenses and day care treatments are covered
Ambulance cover and organ donor expenses cover are available
Pre and post-hospitalization expenses are also covered for 30 days and 60 days respectively
Automatic restoration of the sum insured is available once in a policy term
10% no claim bonus for up to 50% is provided for not filing a claim
No sub-limits apply to this policy
No Claim Bonus Super, annual health check-up and reduction in PED wait period are available as optional benefits
Air ambulance cover, co-payment waiver, smart select and room rent medication optional benefits are also available

Care Assure Plan

The Care Assure plan offers comprehensive medical coverage for up to 20 critical illnesses, medical events and surgical procedures. The sum insured is available from Rs 1 lakh to Rs 25 crore.

Features & Benefits:

Critical illnesses as well as personal accident are covered
Coverage for child education and second opinion are available
Free annual health check-ups are available
Everyday care and HIV cover are available as add-on covers

Care COVID Care Plan

Care COVID Care plan has been designed to cover the medical expenses incurred during the treatment of COVID-19. The plan comes with a sum insured ranging from Rs 3 lakh to Rs 10 lakh and is available in two variants – Plus and Advantage.