Care Health Insurance - Care

Features of Care medical insurance

Auto Recharge of your Sum Insured
If due to claims made, you exhaust your health cover, we recharge the entire sum insured of your policy, in the policy year. All this at no extra cost!

Avail Health Check-ups, every year
Our concern is your good health. To pre-empt your ever having to visit a hospital, you can avail our comprehensive health check-ups for yourself and adult members of your family covered by the policy, every year even if there is a claim.

Day Care Treatment
Covers more than 540 day care treatments.

Pre & Post hospitalization
Coverage for medical expenses incurred by you even before admitting to hospital for 30 days. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalization also for 60days.

Daily Allowance
This will help you take care of the incidental non-medical expenses (attendant meals, transportation etc.) incurred during hospital stay.

Get No-Claim Bonus
If you do not have any occasion to claim in your health insurance policy in a particular year, get 10% increase in your sum insured up to 50% of your sum insured! It’s just our way to tell you that we’re there with you in good times and in bad.

Other great benefits you also get are-
There's still lot more we have for you!
All our policies are eligible for claiming deduction for Tax Benefit under section 80D, Floater Cover, Ambulance expenses covered, Organ donor medical expenses covered, Domiciliary hospitalization covered 7.5% Discount on 2 year policy terms, online instant health insurance buy and more.

Plan highlights of Care health insurance

In-patient Care	Covers hospitalization expenses incurred as an in-patient in a Hospital which will include Room, Boarding and O.T charges. Fees of Surgeon, Anesthetist, Nurses, Specialists etc.
Day Care Treatment	Due to advancement of technology, hospitalisation expenses for certain treatments / diseases like Cataract, Eye Surgery, Dialysis etc are also covered, even though the hospitalisation is for less than 24 hours.
Domiciliary hospitalization	Medical Treatment for a period exceeding three days, which in the normal course, would require hospitalisation, but treatment is actually taken at home, under circumstances like condition of the patient does not permit him/her to be removed to Hospital or patient cannot be admitted to Hospital for lack of accommodation therein.
Pre and Post Hospitalisation	Policy also covers relevant medical expenses incurred during a specified period, before & after hospitalisation.
Organ Donor	Covers hospitalisation expenses towards donor in case of major organ transplant.
Ambulance cover	Reimbursement of Expenses incurred for necessary transportation of the insured to the Hospital in an ambulance for hospital admission and requiring immediate treatment.
Tax Benefit	Premium paid for Policy is eligible for tax deduction under section 80 D of the Income Tax Act.
Annual Health Check-up	To pre-empt you ever have to visit a hospital, you can avail our comprehensive health check-ups for yourself and adult members of your family covered by the policy, every year. Even if you make a claim with us!
Second Option	If you are suffering from a serious illness or wish to get a second opinion of an expert/doctor, the insurance company will arrange one for you with free of cost.

Care Care insurance benefit table

Coverages	4 lacs	5, 7, 10 lacs	15, 20, 25, 30, 40 lacs	50, 60, 70, 75 lacs	1, 2, 3, 6 crores
In-Patient Hospitalization	Up to Sum Insured	Up to Sum Insured	Up to Sum Insured	Up to Sum Insured	Up to Sum Insured
Pre-hospitalization	30 Days	30 Days	30 Days	Up to SI,30 Days	Up to SI,30 Days
Post-hospitalization	60 Days	60 Days	60 Days	Up to SI,60 Days	Up to SI,60 Days
Day Care	Yes	Yes	Yes	Yes	Upto SI
Room Rent	1% of SI per day	Single Private Room	Single Private Room (upgradable to next level)	Single Private Room (upgradable to next level)	Single Private Room (upgradable to next level)
ICU Charges	2% of SI per day	No Sub-Limit	No Limit	No Limit	---
Ambulance Cover	Rs.1,500/ Hospitalization	Rs.2,000/ Hospitalization	Rs.2,500/ Hospitalization	Rs.3,000/ Hospitalization	Rs.3,000/ Hospitalization
Domiciliary Hospitalization	Upto 10% of SI	Upto 10% of SI	Upto 10% of SI	Upto 10% of SI	Upto 10% of SI
Health Check-up	Yes	Yes	Yes	Yes	Yes
Automatic Recharge of Sum Insured	Yes	Yes	Yes	Yes	Yes, Up to SI (Once in a Policy Year)
No Claim Bonus	Yes	Yes	Yes	Yes	Yes
Organ Donor Cover	Rs.50,000	Rs.100,000	Rs.200,000	Rs.300,000	Rs.500,000
Second Opinion	Yes	Yes	Yes	Yes	Yes

Exclusions of Care Care medical insurance

• Any pre-existing ailment/injury that was diagnosed/received within 48 months prior to issuance of the first policy.
• Any diseases contracted during first 30 days of the policy start date except those arising out of accidents.
• Non-allopathic treatment.
• Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
• Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
• Cost of spectacles/contact lenses, dental treatment
• Medical expenses incurred for treatment of AIDS
• Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
• Congenital disease
• Tests and treatment relating to infertility and in vitro fertilization.
• Treatments such as non-infective arthritis, joint replacement etc., which are covered only after completion of 2 consecutive policy years.

Care medical insurance - Policy terms

1. Minimum entry age: 91 days
2. Maximum age: No age bar
3. Renewal: Lifelong Renewability. The Policy can be renewed under the then prevailing Health Insurance Product or its nearest substitute approved by IRDA.
   Premium payable on renewal and on subsequent continuation of cover arc subject to change with prior approval from IRDA.
4. Co-payment: No Co-payment in policy, if age of the eldest member insured with us at the time of first policy is below 61 years.
   20% Co-payment will be applicable in policy, if age of the eldest member insured with us at the time of first policy is 61 years or above 61 years i.e. you will have to pay 20% of the claim amount under the policy, if any. We pay the rest.
5. Waiting period: 30 days for any illness except injury.
6. Waiting period for pre-existing illnesses: Four years of continuous coverage.
7. Change in sum insured: You can enhance your sum insured under the policy only upon renewal.
8. Grace period: 30 days from the date of expiry to renew the policy.