Care Health Insurance Riders

Care Deductible Option

The Care Deductible rider allows policyholders to choose an aggregate deductible to reduce the premium of their base health policy. The policyholder will have to pay the deductible amount selected during claim settlement, post which the insurer will pay the claim amount. This rider is available under Care Supreme, Care Advantage, Care Classic, Care Plus, Care Insurance, and Care Saksham plans.

Care Smart Select

The Care Smart Select rider provides a discount on health insurance premiums if the insured obtains treatment at any of the listed hospitals. This rider is available under Care Advantage, Care Supreme, Care Senior Health Advantage, Care Plus, Care Insurance, and Care Classic plans. However, a 20% co-payment will apply if the treatment is taken at a hospital other than the listed ones.

Care Air Ambulance Cover

The Care Air Ambulance rider pays for the cost of availing air ambulance services in India to reach the nearest hospital during a medical emergency or transfer from one hospital to another on the recommendation of the treating doctor. This rider is available under Care Supreme, Care Advantage, Care Senior Health Advantage, Care Insurance and Care Classic plans. 

Care Co-Payment

The Care Co-Payment rider allows senior citizens to waive off their mandatory co-payment of 20% under the Care Advantage policy. It also enables non-senior citizens to opt for a co-payment under Care Supreme and Care Senior Health Advantage plans. However, this rider levies a co-payment under the Care Plus policy if the eldest insured member is above 60 years.

Care Additional Sum Insured for Accidental Hospitalization

The Care Additional Sum Insured for Accidental Hospitalization rider provides an additional sum insured to the policyholder for in-patient care if the insured has been hospitalized for an accidental injury. This rider is available under Care Advantage, Care Senior Health Advantage, Care Insurance and Care Classic plans.

Care Reduction in PED Wait Period

The Care Reduction in PED Wait Period reduces the waiting period for pre-existing disease coverage from 48 months to 24 months. This rider is available under Care Advantage, Care Supreme, Care Insurance, and Care Classic plans.

Care OPD Care

The Care OPD Care rider covers the medical expenses incurred on outpatient consultations, pharmacy, medical devices, COVID-19 vaccinations and diagnostic examinations. This rider is available under Care Classic, Care Insurance, Care Heart, and Care Senior Health Advantage plans.

Care International Second Opinion

The Care International Second Opinion rider pays for the cost of availing a second medical opinion from a qualified medical practitioner anywhere outside India. This rider is available under Care Classic, Care Insurance, Care Heart, and Care Plus plans. 

Care Annual Health Check-up

The Care Annual Health Check-up rider covers the cost of preventive healthcare check-ups of the insured every year. This rider is available under Care Supreme, Care Advantage, and Care Classic plans.

Care Instant Cover

The Care Instant Cover rider offers day 1 coverage for pre-existing diabetes, hypertension, asthma and hyperlipidemia. This rider is available under Care Supreme, Care Senior Health Advantage and Care Classic plans.

Care Room Rent Modification

The Care Room Rent Modification rider modifies the hospital room rent/room category to single private AC room/ twin sharing room from ‘no limit’. This rider is available under Care Advantage, Care Plus, and Care Supreme plans.

Care Unlimited Automatic Recharge

The Care Unlimited Automatic Recharge rider restores the exhausted sum insured of the base health insurance policy unlimited times in a policy year. This rider is available under Care Advantage, Care Insurance, and Care Senior Health Advantage plans.

Care No Claim Bonus Super

The Care No Claim Bonus Super rider increases the sum insured of the base health policy by 50% for up to 100% if no claims are raised in the previous policy year. This rider is available under Care Advantage, Care Insurance, and Care Senior Health Advantage plans.

Care Daily Allowance

The Care Daily Allowance rider pays a fixed lump sum amount to the policyholder for each day of hospitalization. This rider is available under Care Advantage, Care Insurance, and Care Plus plans.

Care Home Care

The Care Home Care rider covers the charges of a qualified nurse hired for the care and convenience of the insured to perform daily activities on the recommendation of the attending doctor. This rider is available under Care Classic, Care Freedom, and Care Heart plans. The coverage is available for a maximum of 7 consecutive days.

Care Co-Payment Waiver

The Care Co-Payment Waiver rider waives off the mandatory co-payment of 20% that the policyholder needs to pay. This rider is available under Care Classic and Care Saksham plans.

Care Room Rent and ICU Modification

The Care Room Rent and ICU Modification rider upgrades the hospital room rent/room category eligibility and the ICU charges limit. This rider is available under the Care Senior Health Advantage and Care Classic policy.

Care Disease Management Program

The Care Disease Management Program rider offers disease management programs for diabetes, hypertension, asthma and hyperlipidemia that can be used to cover medical expenses incurred on doctor consultations, pharmacy and diagnostic tests. This rider is available under Care Classic and Care Senior Health Advantage plans.

Care Maternity and Newborn Baby Cover

The Care Maternity and Newborn Baby Cover rider pays for child delivery and newborn baby expenses. This rider is available under Care Classic and Care Plus plans. The coverage is available after a waiting period of 24 months.

Care Sub-limit on Specified Diseases

The Care Sub-Limit on Specified Diseases rider provides a discount on premium if the policyholder opts for sub-limits on the coverage of 9 listed illnesses, including cancer treatments. This rider is available under the Care Classic policy.

Care Waiver of Sub-limits on Cataract & Advance Technology Methods Treatments

The Care Waiver of Sub-limits on Cataract & Advance Technology Methods Treatments rider waives off any sub-limits applicable to cataract surgery and advance technology methods. This rider is available under the Care Classic policy.

Care Named Illness Wait Period Modification

The Care Named Illness Wait Period Modification rider reduces the waiting period for named illnesses from 24 months. This rider is available under the Care Supreme policy.

Care New Born Cover

The Care New Born Cover rider covers the medical expenses of a newborn baby from day 1. This rider is available under the Care Supreme policy.

Care Plus Benefit

The Care Plus Benefit rider provides an additional amount to the policyholder for all claims administered in a policy year. This rider is available under the Care Supreme policy.

Care Cumulative Bonus Super

The Care Cumulative Bonus Super enhances the No Claim Bonus by increasing the base sum insured by 100% for up to 500%. This rider is available under the Care Supreme policy and prevents claims from impacting the accrued cumulative bonus. 

Care Be-Fit Benefit

The Care Be-Fit Benefit rider allows policyholders to avail unlimited visits to the empanelled fitness centres in a policy year. This rider is available under the Care Supreme policy.

Care Wellness Benefit

The Care Wellness Benefit rider provides a discount on renewal premiums by accumulating the total number of healthy days (i.e. days when 10,000 steps have been recorded) in a policy year. This rider is available under the Care Supreme policy.

Care Women Care

The Care Women Care rider covers the diagnostic expenses incurred on mammography, cervical cancer screening, PCOS and PCOD. This rider is available under the Care Supreme policy.

Care Mental Health Wellbeing

The Care Mental Health Wellbeing rider covers the cost of outpatient consultations, counselling and rehabilitation taken for acute depression, anxiety, post-traumatic stress disorder and obsessive compulsive disorder. This rider is available under the Care Supreme policy.

Care Claim Shield

The Care Claim Shield rider pays for non-payable items generally not covered under health insurance. This rider is available under the Care Supreme policy.

Care Sub-limit on Advance Technology Methods

The Care Sub-limit on Advance Technology Methods rider levies a sub-limit on medical treatments taken through advance technology methods. This rider is available under the Care Senior Health Advantage policy.

Care OPD Consultations & Therapy Expenses

The Care OPD Consultations & Therapy Expenses rider pays for the cost of outpatient consultations and prescribed therapy expenses availed by the insured. This rider is available under the Care Senior Health Advantage policy.

Care Sub-Limit on Specified Diseases

The Care Sub-limit on Specified Diseases rider levies a sub-limit on listed treatments and procedures, including cataract treatment, cancer, etc. This rider is available under the Care Senior Health Advantage policy.

Care Increase in PED Waiting Period

The Care Increase in PED Waiting Period rider allows policyholders to increase their pre-existing diseases waiting period from 12 months. This rider is available under the Care Senior Health Advantage policy.

Care Termination of Automatic Recharge Coverage

The Care Termination of Automatic Recharge Coverage rider ceases the coverage provided under the automatic recharge cover. This rider is available under the Care Senior Health Advantage policy.

Care Modification of No Claim Bonus

The Care Modification of No Claim Bonus rider limits the No Claim Bonus to 10% for every claim-free year for up to 50% of the base sum insured. This rider is available under the Care Senior Health Advantage policy.

Care Modification of Pre-hospitalization and Post-hospitalization Medical Expenses

The Care Modification of Pre-hospitalization and Post-hospitalization medical expenses rider modifies the coverage of pre and post-hospitalization expenses to 30 days and 60 days respectively. This rider is available under the Care Senior Health Advantage policy.

Care Companion Benefit

The Care Companion Benefit rider provides a specified amount to the policyholder in case of 10 or more days of hospitalization. This rider is available under the Care Senior Health Advantage policy.

Care Sub-limit on Hospitalization-related Expenses

The Care Sub-limit on Hospitalization-related Expenses rider levies a sub-limit on the coverage of hospitalization expenses. This rider is available under the Care Senior Health Advantage policy.

Care Global Coverage – Total

The Care Global Coverage – Total rider allows the insured to avail worldwide coverage for in-patient hospitalization, day care treatments and maternity benefit. This rider is available under the Care Insurance policy.

Care Travel Plus 

The Care Travel Plus rider provides emergency medical and travel assistance to policyholders during an overseas trip. The coverage includes worldwide in-patient cover, loss of checked-in baggage, worldwide OPD cover, repatriation of mortal remains, loss of passport, and medical evacuation. This rider is available under the Care Insurance policy.

Care Everyday Care

The Care Everyday Care rider covers the cost of everyday care services, including outpatient consultations, diagnostic examinations, COVID-19 vaccinations and specified healthcare services. This rider is available under the Care Insurance policy.

Care Personal Accident

The Care Personal Accident rider pays a lump sum amount if an accidental injury leads to death or permanent total disability. This rider is available under the Care Insurance policy.

Care Extension of Global Coverage

The Care Extension of Global Coverage rider extends global coverage to 90 days in a single trip and 180 days on a cumulative basis. This rider is available under the Care Insurance policy.

Care No Claim Bonanza

The Care No Claim Bonanza rider increases the base sum insured by 100% if no claims have been raised in the previous 3 consecutive policy years. This rider is available under the Care Joy Maternity Insurance policy.

Care Active Health Check-up

The Care Active Health Check-up rider pays for a set of specified medical tests thrice in a policy year. This rider is available under the Care Heart policy.

Care Good Health+

The Care Good Health+ rider covers the cost of 8 doctor consultations with an empanelled doctor and levies a mandatory co-payment. This rider is available under the Care Freedom policy.

Care Health Check+

The Care Health Check+ rider upgrades the annual health check-up benefit to a diabetes health check-up or cardiac health check-up. This rider is available under the Care Freedom policy.

Note: The scope of coverage of a rider may differ from one Care Health Insurance plan to another.

Improved Coverage

The primary objective of Care health insurance riders is to improve the coverage level of a Care health policy. This way policyholders can get their desired coverage without buying another mediclaim policy.

Lower Costs

The premium for buying a Care health insurance rider is much lower than purchasing another health policy. Thus, policyholders can save money by opting for riders to improve their medical coverage.

Wide Variety of Riders

Care Health Insurance Limited offers a wide range of riders catering to the different medical needs of the insured. Thus, policyholders can choose the riders to get their preferred medical coverage.

Easy to Customize

Care health insurance riders allow policyholders to customize their medical insurance policy as per choice and get their ideal medical coverage.