About Care Plus Health Insurance Plan
Care Plus Health Insurance is a comprehensive health insurance plan that covers people of all ages without any upper age limit. This plan by Care Health Insurance Limited offers a wide range of new-age benefits to individuals and families along with renewal benefits for people above 40 years of age.
Care Plus Health Insurance Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹3 lakh to ₹24 lakh |
| Pre-Policy Medical Check-ups | Not required up to 65 years of age |
| Pre-existing Diseases Waiting Period | 3 years |
| Discount | 5% Digital Discount, 5% & 10% Family Discount 7.5% & 10% Tenure Discount 10% Early Bird Discount (for people above 40 years if enrolled before 36 years) |
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Key Benefits of Care Plus Health Insurance Plan
Care Plus Health Insurance Plan Inclusions, Exclusions & Optional Covers
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In-Patient HospitalizationIt covers the medical expenses incurred by the insured on getting admitted to a hospital for at least 24 hours. It includes room rent, ICU charges, OT charges, doctor’s fee, nursing fee, etc.
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Day Care TreatmentsIt provides coverage for more than 540 day care procedures that require hospitalization of less than 24 hours.
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Pre & Post-Hospitalization ExpensesIt covers the medical expenses incurred before hospitalization for up to 60 days and after discharge for up to 90 days.
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Ambulance CoverIt reimburses the expenses incurred on availing ambulance services during a medical emergency for up to Rs 2000 per hospitalization.
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Advance Technology MethodsIt covers the medical expenses incurred on treatment taken through 12 advanced technology procedures, including oral chemotherapy, stem cell therapy and robotic surgeries.
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Organ Donor CoverIt reimburses the medical expenses incurred by the organ donor during an organ transplant surgery.
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Obesity and weight control treatments
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Treatment of alcoholism and substance abuse
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Cosmetic or plastic surgery
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Sterility and infertility treatment
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Injuries due to hazardous or adventure sports
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Self-inflicted injuries or suicide
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Maternity & Newborn Baby CoverIt covers the medical expenses incurred on pregnancy-related treatments along with newborn baby expenses. This cover is only available under the floater policy.
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Daily AllowanceIt provides a fixed lump sum amount per day to the policyholder for up to a maximum of 15 days of hospitalization during a policy year.
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International Second OpinionIt covers the cost of availing international second opinion once per injury or major illness during a policy tenure.
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Room Rent ModificationIt enables the policyholder to upgrade the hospital room to a single private AC room and to no limit on ICU charges. However, this cover is available only to people with a sum insured of less than Rs 5 lakh.
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Deductible OptionIt provides the policyholder with the option to reduce the premium by opting for a voluntary deductible.
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Smart SelectIt enables the policyholder to earn a 15% savings on the premium on the premium of the Care Plus health insurance policy.
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
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Care Plus Health Insurance Plan: FAQs
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Q1. What are waiting periods applicable under Care Plus Health Insurance plan?
Ans: The following waiting periods are applicable under the Care Plus Health Insurance plan:
- Initial waiting period – 30 days
- Pre-existing diseases waiting period – 36 months
- Specific ailments waiting period – 24 months
- Maternity & newborn baby cover waiting period – 24 months
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Q2. Can a child stay covered under the Care Plus Health Insurance policy after attaining 25 years?
Ans: No, a child cannot continue under the Care Plus health insurance policy after attaining the age of 25 years. However, he/she can get ported to an individual policy with a separate sum insured amount at the time of renewal.
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Q3. Can I add family members to my Care Plus Health Insurance policy mid-term?
Ans: You can only add your newly-wedded spouse and newborn baby to your Care Plus health insurance policy in between the policy tenure.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
Care Health offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of Care Health
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to Care Health for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the Care Health policy
- The network hospital will send the hospital bill to Care Health.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
