Minimum entry age | 1 day |
Maximum age | No age bar |
Renewal lifelong renewabilty | The policy can be renewed under the then preveling Health Insurance Product or its nearest substitute approved by IRDA. |
Renewal premium | Premium payable on renewal and on subsequent continuation of cover arc subject to change with prior approval from IRDA. |
Co-payment (Sum Insured 5 lakhs & above) | If you enroll at the age of 61 years or more, you will have to pay 20% of the claim amount under the policy. We pay the rest. |
Waiting period | 30 days for any illness except injury |
Waiting period for pre-existing illnesses | Four years of continuous coverage |
Change in sum insured | You can enhance your sum insured under the policy only upon renewal |
Grace period | 30 days from the date of expiry to renew the policy |
Underwriting loadings | Based on the assessment of the extra risk on account of medical conditions by the underwriter, the premium shall be loaded accordingly (15%, 30% or 50%) |
Group discount | 5 to 20%, depending upon the group size. |
Complete care | After 4 years of continuous coverage, you have an option to convert your deductible plan to Comprehensive Health Insurance Plan (without any deductible) |
Plan Options | ||||||||||||||||||
Features/plan (Sum Insured) | Enhance 1 | Enhance 2 | ||||||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Sum Insured | Rs.1 lakh to Rs.25 lakhs (As multiple of 1,2,3,4 or 5 time of deductible) Rs.6 lakhs to Rs.30 lakhs (As multiple of 1,2 or 3 time of deductible) |
Rs.30 lakhs, Rs.35 lakhs, Rs.40 lakhs, Rs.45 lakhs, Rs.50 lakhs, and Rs.55 lakhs | ||||||||||||||||
Deductible(or existing Policy Sum Insured) |
|
|
||||||||||||||||
In patient Care | Up to Sum Insured | Up to Sum Insured | ||||||||||||||||
Pre Hospitalization | Up to 30 Days | Up to 30 Days | ||||||||||||||||
Post Hospitalization | Up to 60 Days | Up to 60 Days | ||||||||||||||||
Day Care Treatment | Yes | Yes | ||||||||||||||||
Room Rent Category | Single Private Room with A.C | Single Private Room with A.C., upgradable to next level | ||||||||||||||||
ICU charges, Doctor's fee etc. | No Limit | No Limit | ||||||||||||||||
Health check-up | Yes | Yes | ||||||||||||||||
Organ Donor Cover | Yes | Yes | ||||||||||||||||
Expert Option | Yes | Yes | ||||||||||||||||
Enhance Anywhere | No | Yes |
You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.
Know moreGet all the answers to the most frequently asked questions (FAQs) regarding best health insurance plans in India.
Know moreCare health Insurance Claims Procedure
Know moreSteps to port your existing health insurance to a new health insurance policy by a different company.
Know moreCare insurance plan network hospital list.
Know moreTax deduction on health insurance premium paid for you, your family and your parents.
Know more