Care Health Insurance Waiting Period
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Care Health Insurance Waiting Period
Care health insurance waiting period is the time period that policyholders have to wait before filing a Care health insurance claim. It varies from one Care health insurance plan to another and can be different for various diseases and procedures. However, accidental claims can be raised without serving the waiting period in Care health insurance plans.
Types of Care Health Insurance Waiting Period
Here are the various types of waiting periods in Care health insurance plans:
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Care Health Insurance Pre-existing Disease Waiting Period
This type of waiting period must be served to claim the cost of treating pre-existing diseases, such as hypertension, diabetes, heart diseases, etc.
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Care Health Insurance Specific Disease Waiting Period
The insured must serve this waiting period to claim the medical expenses incurred on specific diseases and procedures, such as cataract surgery, joint replacement surgery, etc.
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Care Health Insurance Initial Waiting Period
This waiting period should be served to file a Care health insurance claim, except for claims arising out of an accident.
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Care Health Insurance Maternity Waiting Period
Policyholders can claim maternity expenses and newborn baby treatment once this waiting period is over.
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Care Health Insurance Critical Illness Cover Waiting Period
This waiting period must be served to claim a lump sum benefit under the critical illness cover on the diagnosis of a listed critical illness.
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Care Health Insurance Assisted Reproductive Treatment Waiting Period
The insured can claim the treatment cost of assisted reproductive treatment from Care Health Insurance Limited after this waiting period is over.
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Care Health Insurance Outpatient Dental and Vision Care Waiting Period
Policyholders can claim OPD dental consultations and treatments along with consultations and diagnostic tests for vision care from the insurer after serving this waiting period.
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Care Health Insurance Pre-existing Disability Waiting Period
This type of waiting period needs to be served before filing a claim for pre-existing disabilities.
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Care Health Insurance COVID-19 Treatment Waiting Period
Policyholders must serve this waiting period to claim the treatment cost of COVID-19.
List of Care Health Insurance Waiting Period
Check out the list of waiting periods applicable to various Care health insurance plans:
| Type of Waiting Period | Waiting Period | Applicable Care Health Insurance Plans |
| Pre-existing Disease Waiting Period | 1 year, 2 years, 3 years | All Care health insurance plans, except for the Care Secure plan |
| Named Ailment Waiting Period | 2 years, 3 years | All Care health insurance plans, except for the Care Secure plan |
| Initial Waiting Period | 30 days | All Care health insurance plans, except for Care Assure, Care Super Mediclaim and Care Secure plans |
| Maternity Waiting Period | 9 months, 2 years, 4 years | Care Joy Maternity Insurance Plan Care Ultimate Care Plan Care Classic Plan Care Health Insurance Plan Care Plus Plan |
| Critical Illness Cover Waiting Period | 90 days | Care Assure Plan Care Super Mediclaim Plan |
| Assisted Reproductive Treatment Waiting Period | 1 year, 2 years, 3 years | Care Ultimate Care Plan Care Classic Plan |
| Outpatient Dental and Vision Care Waiting Period | 6 months | Care Ultimate Care Plan |
| Pre-existing Disability Waiting Period | 2 years | Care Saksham Plan |
| COVID-19 Treatment Waiting Period | 15 days | Care Corona Kavach Plan |
Note: The Care health insurance waiting period disease list and the exact waiting period may vary from one plan to another.
Is It Possible to Reduce the Care Health Insurance Waiting Period?
Yes. It is possible to reduce the pre-existing disease waiting period from 3 years under Care Supreme, Care Ultimate Care, Care Advantage, Care Classic, Care Health Insurance, Care Super Mediclaim and Care Supreme Enhance plans. Similarly, the waiting period for named ailments can be reduced from 2 years under Care Supreme, Care Ultimate Care and Care Supreme Enhance plans. However, this benefit is available on paying an extra premium amount.
Moreover, pre-existing diabetes, asthma, hypertension and hyperlipidaemia can be covered after a waiting period of 30 days under Care Ultimate Care and Care Supreme plans or from day 1 under Care Senior Health Advantage and Care Classic plans on buying the Instant Cover benefit. Similarly, policyholders can waive off their initial waiting period under the Care Ultimate Care plan by opting for the Initial Wait Period Modification benefit.
Things to Remember About Care Health Insurance Waiting Period
Take a look at some of the things to remember about the waiting period in Care health insurance:
- The initial waiting period in Care health insurance plans does not apply to accidental claims.
- Any medical condition or disease diagnosed after buying the Care health insurance policy is not considered as a pre-existing disease.
- Several Care health insurance plans allow policyholders to reduce the waiting period for pre-existing diseases and named ailments by paying an additional premium.
Care Health Insurance Waiting Period: FAQs
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Q1. What is the waiting period in Care health insurance?
Ans: The waiting period for Care health insurance is 30 days for non-accidental claims, 1 to 3 years for pre-existing diseases and 2 to 3 years for named illnesses. However, the insurer also applies waiting period on claims resulting from maternity expenses, assisted reproductive treatments, critical illnesses, OPD dental and vision care, COVID-19 treatment and pre-existing disabilities.
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Q2. What is the named ailments wait period in Care health insurance?
Ans: The named ailments wait period for Care health insurance plans ranges from 2 to 3 years, depending on the plan.
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Q3. What is Care health insurance waiting period for pre-existing disease?
Ans: The Care health insurance waiting period for pre-existing disease ranges from 1 year to 3 years, depending on the plan.
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Q4. What is the 30 days waiting period for Care health insurance?
Ans: Most Care health insurance plans come with an initial waiting period of 30 days, where the insurer does not accept any non-accidental claims.
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Q5. Can I claim Care health insurance after 15 days?
Ans: You can only claim your Care health insurance after 15 days for accidental injuries or for coronavirus treatment under the Care Corona Kavach policy.
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Q6. How to remove waiting period in Care health insurance?
Ans: You can remove the waiting period for pre-existing asthma, diabetes, hypertension and hyperlipidaemia under Care Senior Health Advantage and Care Classic plans on buying the Instant Cover optional benefit.
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Q7. Can I claim Care health insurance after 1 month?
Ans: Yes. You can claim your Care health insurance policy after 1 month, except for expenses resulting from pre-existing diseases, critical illnesses, named ailments, pregnancy and childbirth, etc. You should carefully check your Care health insurance policy document to know the waiting periods that you need to serve even after 1 month.
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Q8. What is the longest waiting period for Care health insurance?
Ans: The longest waiting period for Care health insurance is 4 years for maternity claims under the Care Ultimate Care plan.
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Q9. What is instant cover in Care health insurance?
Ans: Instant cover in Care health insurance is an optional cover that reduces the waiting period for pre-existing hypertension, diabetes, asthma and hyperlipidaemia to 30 days or zero days, depending on the plan. However, this optional cover is available under select plans on the payment of an additional premium.
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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.
*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.
*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws.
*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.
*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases
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*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.
*The values taken for effective cost calculation are indicative values and may change as per the selected plan.
*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.
*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.
*The scope of coverage may vary from plan to plan.
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