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

With Care Health Care Insurance (Formerly known as Religare Care Health Insurance), you can avail the following unique medical benefits:

92% Claim settlement ratio( as per the insurer’s website)
Cashless treatment in more than 5420 network hospitals
Annual medical check-up facility for all the insured members
In-house claim settlement
Up to 150% of No Claim Discount with NCB Super
Automatic recharge of the sum insured
12 critical illnesses are covered under the Global plan variant
Various riders benefit to meet your health concerns

Care Health Care Insurance Super Saver Plan

Features / Plan (SI)	Care 3 (4 Lakh) Super Saver	Care 4 (5,7,10 Lakh) Elite
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

Care Health Care Insurance Elite Plan

Features/ Plan (SI)	Care 4 (5,7,10 Lacs) Elite	Care 5 (15,20,25,30,40 Lacs) Elite Plus
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

Care Health Care Elite Plus Plan (Formerly known as Religare Care Elite Plus Plan)

Features / Plan (SI)	Care 4 (5,7,10 Lacs) Elite	Care 5 (15,20,25,30,40 Lacs) Elite Plus
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) (upgradable to next level)
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

Care Health Care Global Plan

Features / Plan (SI)	Care 6 (50,60,75 Lacs) Global	Care 7 (1,2,3,6 Cr) Global Plus
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) (upgradable to next level)	Private Room ( Single) (upgradable to next level)
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:
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

Inclusions of Care Health Care Insurance (Formerly known as Religare Care Health Insurance)

30-days pre-hospitalization charges are covered
Ambulance expenses are also covered under this plan
In-patient hospitalization expenses are also covered
Hospitalization for a minimum of 24 hours including room rent charges, intensive care unit charges, nursing expenses, doctor and surgeon's fee, blood, anesthesia, operation theater, and oxygen charges.
It covers medical treatment requiring hospitalization for less than 24 hours such as day care treatments that do not require hospitalization for more than 24 hours. Care Health Care Insurance (Formerly known as Religare Health Insurance) covers more than 540-day care procedures.
Room Rent expense
ICU Charges are also covered
60-day post-hospitalization expenses
Annual medical check-up
Reassurance of second medical opinion
No Upper Age Limit to purchase the policy
Domiciliary hospitalization
Organ donor expenses
Alternate medical treatments are also covered

Add-on Covers in Care Health Care Insurance (Formerly known as Religare Care Health Insurance)

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.

Care Health Care Insurance (Formerly known as Religare Care Health Insurance) Health Insurance Exclusions

The policy does not cover the following medical expenses under any of the plan variants:

Expenses incurred on the treatment of congenital diseases are not paid by the insurer
Hospitalization required due to self-inflicted injuries and suicidal attempts are not covered
Hospitalization required for treatment of HIV and AIDS
Medical treatment/hospitalization required due to an overdose of drugs and alcohol or intoxications are not recompensed
Any disease/illness/surgery that has been diagnosed or has given symptoms within 30 days of the policy commencement date
Hospitalization traceable to childbirth/pregnancy, abortion, miscarriage, and its complications
Medical tests and hospitalization pertaining to infertility and in vitro fertilization
War, strike, nuclear weapons, and riots induced hospitalization.

Care Health Care Insurance (Formerly known as Religare Care Health Insurance) Terms and Conditions

Minimum entry age is 91 days
There is no limit on Maximum entry age
The plan offers lifetime renewability benefit
There are 30 days of the waiting period for illness except for injuries
The waiting period of pre-existing illnesses is 4-years. After completion of the 4-years of the policy term, you can file a claim for the medical expenses incurred on a pre-existing illness
At the time of Care Health Care Insurance (Formerly known as Religare Health Insurance) policy renewal, you can increase your sum insured amount
There is a grace period of 30 days from the policy expiry date. In case you miss renewing your health plan, you can utilize this time to do so.
The cost of premium while renewing the policy is subjected to change as per the IRDA guidelines and approval.
If the age of the insured members is lesser than 61 years thane there is no co-payment. If the age of the eldest insured members s more than 61 years then 20% co-pay is applicable. This means that you will pay 20% of the medical expenses and the rest will be paid by the insurer.

Care Health Care Insurance (Formerly known as Religare Care Health Insurance) Claim Process

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

For Cashless Claims

Request for pre-authorization
Submit the pre-authorization form at the hospital’s TPA desk and fax it to Care Health Insurance(Formerly known as Religare Health Insurance)
The claim management team will send the approval letter
Either the insured or the hospital can respond to the any queries that were raised by the claim management team
In case your cashless claim is rejected you may start with the treatment and file a fresh claim for reimbursement

For Reimbursement Claims

Submit the claim form and all the required documents as per the policy terms and conditions
You will get an approval letter from the Care Health Insurance(Formerly known as Religare Health Insurance)’s claim management team
You would need to address all the queries related to your claim request and treatment
The insurance company will inform you for approval or rejection (along with the reason for rejection)

Procedure for Everyday Care

Check the list of Everyday Care network centers online on their website
Visit the OPD service provider and take your Everyday Care Card
You would also need an original copy of a government photo id proof
The service provider will deduct 80 percent from the Everyday Care Card and you would need to pay 20% of the co-payment
You will also get an email and SMS notification of the services availed

OPD Care Claims Procedure

Download the claim form from the insurer’s site
Attach the original bills and invoices and send your claim application at the insurer’s official address
For the seamless settlement of claims, you can submit your claim application along with your NEFT details
Most of the claims are settled within 15 days from the date of receipt of all the documents

Care Health Care Insurance Plan (Formerly Religare Care)