Care Health Care Insurance Plan (Formerly Religare Care)

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.

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Care Health Care Insurance Plan (Formerly Religare Care)

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