Care Health Care Insurance Plan (Formerly known as Religare Care Health Insurance Plan) offers this comprehensive medical insurance policy named as Care Health Care Insurance (Formerly known as Religare Care Health Insurance). This plan is designed to offer financial protection to you and your family members in case of a medical emergency. With Care Health Care Insurance Policy (Formerly known as Religare Care Health Insurance Policy) , you can be sure of getting the best medical treatment in India and overseas and focus on your recovery in a worry-free manner.
With Care Health Care Insurance (Formerly known as Religare Care Health Insurance), you can avail the following unique medical benefits:
Features / Plan (SI) |
Care 3 (4 Lakh) |
Care 4 (5,7,10 Lakh) |
Pre-hospitalization Charges |
30 days |
30 days |
Inpatient Hospitalization Charges |
Up to SI |
Up to SI |
Post-hospitalization Charges |
60 days |
60 days |
ICU Charges |
2 percent of SI /day |
No sub-limit |
Day Care Medical Treatment/Surgery |
Covered |
Covered |
Daily Case Allowance |
INR 500 per day for a max. of 5 days |
- |
Room Rent Charges |
1% of SI per day |
Private Room ( Single) |
Ambulance Cover |
Up to INR 1,500 per hospitalization |
Up to INR 2,000 per hospitalization |
Deductible in Policy Period |
INR 10,000 |
Not applicable |
Domiciliary Hospitalization |
Up to 10% of SI |
Up to 10% of SI |
No Claim Discount |
Included |
Included |
Health Check-up |
Covered |
Covered |
Recharge of Sum Insured |
Included |
Included |
Second Medical opinion |
Covered |
Covered |
Organ Donor Expenses |
INR 50,000 |
INR 100,000 |
Alternative Medical Treatments |
Up to 15,000 |
Up to 20,000 |
Features/ Plan (SI) |
Care 4 (5,7,10 Lacs) |
Care 5 (15,20,25,30,40 Lacs) |
Pre-hospitalization Charges |
30 days |
30 days |
Inpatient Hospitalization Charges |
Up to SI |
Up to SI |
Post-hospitalization Charges |
60 days |
60 days |
Alternative Medical Treatments |
Up to Rs.20,000 |
Up to Rs.30,000 |
Room Rent Charges |
Private Room ( Single) |
Private Room ( Single) |
ICU charges |
No Limit |
No Limit |
Ambulance Cover |
Up to INR 2,000 per hospitalization |
Up to INR 2,500 per hospitalization |
Organ Donor Expenses |
Rs.100,000 |
Rs.200,000 |
Health Check-up |
Covered |
Covered |
Day Care Medical Treatment/Surgery |
Covered |
Covered |
No Claim Discount |
Included |
Included |
Recharge of Sum Insured |
Included |
Included |
Second Medical opinion |
Covered |
Covered |
Domiciliary hospitalization |
Up to 10% of SI |
Up to 10% of SI |
Features / Plan (SI) |
Care 4 (5,7,10 Lacs) |
Care 5 (15,20,25,30,40 Lacs) |
Pre-hospitalization Charges |
30 days |
30 days |
Inpatient Hospitalization Charges |
Up to SI |
Up to SI |
Post-hospitalization Charges |
60 days |
60 days |
Day Care Medical Treatment/Surgery |
Covered |
Covered |
Room Rent Charges |
Private Room ( Single) |
Private Room ( Single) |
ICU charges |
No Limit |
No Limit |
Ambulance Cover |
Up to INR 2,000 per hospitalization |
Up to INR 2,500 per hospitalization |
Domiciliary hospitalization |
Up to 10% of SI |
Up to 10% of SI |
Health Check-up |
Covered |
Covered |
Recharge of Sum Insured |
Included |
Included |
No Claim Discount |
Included |
Included |
Organ Donor Expenses |
INR 100,000 |
INR 200,000 |
Second Medical opinion |
Covered |
Covered |
Alternative Medical Treatments |
Up to INR 20,000 |
Up to INR 30,000 |
Features / Plan (SI) |
Care 6 (50,60,75 Lacs) |
Care 7 (1,2,3,6 Cr) |
Pre-hospitalization Charges |
30 days |
30 days |
Inpatient Hospitalization Charges |
Up to SI |
Up to SI |
Post-hospitalization Charges |
60 days |
60 days |
Recharge of Sum Insured |
Included |
Included |
Room Rent Charges |
Private Room ( Single) |
Private Room ( Single) |
Organ Donor Expenses |
INR 3 lakh |
INR 5 lakh |
Ambulance Cover |
Up to INR 3,000 per hospitalization |
Up to INR 3,000 per hospitalization |
Domiciliary hospitalization |
Up to 10% of SI |
Up to 10% of SI |
Day Care Medical Treatment/Surgery |
Up to SI |
Up to SI |
Health Check-up |
Covered |
Covered |
ICU charges |
No Limit |
- |
No Claim Discount |
Included |
Included |
Alternative Medical Treatments |
up to INR 40,000 |
up to INR 50,000 |
Second Medical opinion |
Covered |
Covered |
Maternity Expenses |
up to INR 100,000 |
up to INR 200,000 |
Care Anywhere |
Covered |
Covered |
Vaccination Cover |
- |
up to INR 10,000 |
Overseas Coverage: (excluding the USA) Coverage outside USA & India- 45 days during a single trip; up to a maximum of 90 days on a cumulative basis during a policy term |
Up to SI for hospitalization/medical expenses. Maternity expenses up to the specified limit with a co-payment of 10% per claim |
|
Special Add-on Benefits: |
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Global Coverage – The scope of geographical coverage/ Global Coverage is extended to the United States of America as well |
Up to SI for hospitalization/medical expenses. Maternity expenses up to the specified limit with a co-payment of 10% per claim |
No Claim Bonus Super- It is an optional cover that will further enhance your sum assured amount for claim-free years. NCB can vary from 50% to 100%. So, in total with No-Claim-Bonus & No-Claim-Bonus, you can enhance your sum insured up to 150% in five years.
Overseas Health Cover- There are no boundaries when it comes to quality healthcare. If you need to undergo medical treatment overseas, then you can avail cashless medical treatment overseas in the listed network hospitals.
Automatic Reinstatement- You should not run out of coverage anytime during your policy period that is why it is important to have this additional coverage as your sum insured will be reinstated upon exhaustion of the sum insured. There is no limit as you can avail this benefit for unlimited number of times.
Everyday Care- Without health insurance place, people tend to avoid getting hospitalized for a medical condition. However, it is really fortunate to evade doctor consultations in a few months. But for all the OPD consultations, you can get 1% of your sum insured towards diagnostic procedures and doctor consultations.
You can avail this using a cashless health card. You just need to pay an additional premium to avail this benefit and the premium that you pay is eligible for tax-saving.
Air Ambulance Cover- This add-on benefit proves to be useful when the treatment is suggested miles away from your city. With Air Ambulance add-on cover you can be sure that you will always have access to the best medical treatment. It proves to be really useful when you have suggested a medical treatment in some other city or state.
The policy does not cover the following medical expenses under any of the plan variants:
Before filing a claim it is always better if you know the process that follows for hospitalization, OPD, and everyday care.
The Claims Process for Hospitalization is Listed Below:
Emergency hospitalization treatment requires you to inform within 24 hours of getting hospitalized
If it is a planned hospitalization you can inform the insurer 48 hours before the hospitalization
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