Save tax up to ₹75,000 ~ u/s 80D.
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Save tax up to ₹75,000 ~ u/s 80D.
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Health insurance is a security cover wherein the insurer bears the insured person’s healthcare costs in exchange for regular premium payments. You can opt for our best health insurance plans on an individual or family floater basis.
View MoreReasons to Choose Care Health Insurance?
Health insurance is a type of insurance that pays for an insured member's medical expenses due to accident, illness, or injury. In a health insurance policy, your insurer bears the cost incurred towards hospitalisation, doctor consultation, diagnostic tests, medication, etc.
Health insurance and medical insurance terms are generally used interchangeably and are further classified into two broad categories-
Typically, there are two broad categories of health insurance:
The importance of health insurance has shot up in the last few years due to the alarming spread of lifestyle diseases among people of all ages. Even a single-day hospitalisation can derail your hard-earned savings in no time! Thus, it is crucial to understand and utilise a comprehensive health insurance policy while receiving medical treatment/assistance.
As one of the best health insurance companies in India, Care Health Insurance ascertains that you and your loved ones receive optimum healthcare coverage complemented with an affordable premium. Here are some of the best health insurance plans in India offered by Care Health Insurance:
Ideal for families looking for capless coverage
Health insurance for domestic and global coverage up to 6 crore
Health insurance for elderly with no pre-policy checkup.
Health Insurance for listed pre-existing diseases
Embrace Motherhood With No Financial Worries
Boost Your Existing Health Cover With Super Top Up Plan
Health Insurance that Covers Pre-existing Heart Ailments
Addressed below are the features of the best health insurance plans from Care Health Insurance:
| Parameter | Definition | Details |
|---|---|---|
| Sum insured | The sum insured is an amount paid by the insurer to the insured in case of an unforeseen event. | Ranging from ₹3 lakhs to ₹6 crores |
| Critical illness | According to IRDAI, illnesses such as Cancer, Pulmonary Thromboembolism, Stroke, Angioplasty, etc. are considered critical illnesses. | Special plans offering coverage for 32 illnesses |
| Pre hospitalisation expenses | Diagnostic, consultation, and medical charges incurred before hospitalisation are pre-hospitalisation expenses | Covered upto 60 days |
| Post hospitalisation expenses | The expenses incurred in taking recovery diagnosis, consultation and medication after discharge are called post-hospitalisation expenses. | Covered Upto 180 days |
| Ambulance charges | The cost incurred in hiring ambulance services if a medical emergency occurs. | Covered |
| Daycare treatments | A treatment that does not require 24-hour hospitalisation is known as daycare treatment. Examples include dialysis and chemotherapy. | Upto Sum Insured |
| ICU charges | The cost incurred towards availing of ICU services. | Covered |
| Add-ons | An additional feature in health insurance plans that can be bought by paying an extra premium. | Available |
| Hospital Network | The list of hospitals that tie up with the insurance company to provide hassle-free treatments to the insured is called network hospitals in health insurance. | 24800+ cashless healthcare providers with 11400+ network hospitals |
| Tax benefits | The tax benefit is the deduction from the taxable amount you can avail of based on your health insurance premium. | Upto 75000 Under Section 80D~ |
| AYUSH treatments | The medicine practices, including Ayurveda, Yunani, Siddha, and Homeopathy, are AYUSH treatments. | Covered |
| Domiciliary treatments | Domiciliary treatment is the medical treatment offered to a patient at home when hospitalisation is impossible. | Covered |
| Grace period | The period after the policy expiry date, when you can renew your policy and retain the existing benefits, is known as a Grace period. | 30 days after policy expires |
| Waiting period | The time that you have to wait before filing a claim for specified diseases is known as the Waiting period. | 30 days / 24 months/36 months |
| Policy tenure | Policy tenure is the maximum tenure till which you want your policy to offer coverage. | 1 year/ 2 years/ 3 years |
| Advanced medical treatments | Treatment procedures that require modern methods, such as robotic surgery, laser treatment, stem cell therapy, etc., are known as Advanced medical treatments. | Covered |
A health insurance plan works simply—your insurer provides financial support during medical emergencies in return for a regular premium payment. It's a simple yet powerful arrangement, ensuring that when health hiccups occur, you're not left juggling savings and bills. Let us understand the entire workings of health insurance with an example:
Suvidha purchased health insurance with a coverage of ₹10 Lakh for her family. A few months later, her mother got sick and had to see a doctor. Unfortunately, she had to get hospitalised as her condition worsened.
Knowing that her mother was covered under her health insurance policy, Suvidha searched for a nearby network hospital and admitted her for further treatment. She then informed her insurer about the emergency hospitalisation and completed the formalities.
Upon discharge, the hospital directly settled the bills with the insurance company, while she paid only for the non-payable items.
Further, she filed a reimbursement claim for the pre-and post-hospitalisation expenses. Suvidha filled out the reimbursement form and attested it with all the bills and reports related to the hospitalisation. Her insurer verified the documents and paid the claim amount to her bank account.
Medical insurance ensures you access the best healthcare regardless of age and financial budget. While a health insurance plan is prudent for everyone, we have highlighted who should opt for one.
Despite being active and healthy, young people are not immune to sudden medical emergencies. Here, a comprehensive medical insurance policy can help avoid hefty expenses from unforeseen medical costs. Further, some health insurance plans also offer free annual health check-ups, which can help detect and prevent potential health issues.
A family medical insurance policy covers parents and children under one plan. These plans provide adequate coverage for emergency treatments and routine check-ups. Family health insurance can be crucial for managing chronic conditions and recurring health issues in the family. It also acts as a protective shield from rising medical care costs.
Health insurance is a crucial tool for middle-aged individuals to address the high likelihood of conditions like heart disease, hypertension, and diabetes. Specialised health insurance plan providers cover related medical attention and treatments, ensuring that unexpected emergencies are covered without financial strain.
Retirees or seniors can rely on health insurance to manage medical costs without impacting savings. These plans usually cover essential healthcare needs, including treatment and medicine.
Understanding the terms and conditions of your health insurance is crucial for policyholders to avoid last-minute hassles. Read out these commonly used health insurance terms to make reading the policy documents easier:
Every health insurance plan comes with certain waiting periods. It is the specified duration for which the insured individual must wait before availing benefits. Typically, a claim for illnesses cannot be made within 30 days of policy purchase- this time is known as an initial waiting period. Furthermore, specific named ailments and pre-existing conditions may have a waiting period between 24-36 months.
Some insurance policies have an inbuilt copayment clause. Copayment, or ‘Copay’, is a specific amount or percentage an insured individual must pay from his/her pocket every time a claim is raised. Simply put, it is a cost-sharing concept between the policyholder and the insurance company.
A deductible is the amount you pay from your pocket when a claim is raised. Here is an example of how deductibles in health insurance work: If your health insurance claim amount is Rs. 2,00,000 and your policy’s deductible amount is ₹50,000, then you pay ₹50,000. At the same time, the health insurance company pays the balance of ₹1,50,000.
So, it is essential to check your medical insurance policy documents for a deductible clause and choose one without one unless you are okay with bearing a part of the treatment cost.
A network hospital is where your health insurance provider collaborates to offer the policyholder the advantage of cashless hospitalisation. When you are admitted to a network hospital, your insurer settles your medical bills with the hospital, saving you from the hassle of paperwork and running around arranging funds.
When you buy a health insurance policy, you must choose a coverage amount up to which your health insurance company will cover the medical expenses. The higher the sum insured, the higher the premium and vice versa.
Every insurance provider includes a set of situations and conditions in which they are not liable to provide financial coverage. These limitations will be mentioned in your health insurance policy papers as exclusions.
These are the best health insurance plans that help you get more coverage if your basic sum insured is exhausted during a medical emergency. Top-up or super top-up policies can be purchased along with a base policy.
If someone suffers from an illness before purchasing a health plan, it is called a pre-existing disease. Some common examples are diabetes, asthma, hypertension, or high BMI. People with a pre-existing illness can also be eligible for health insurance. However, they generally have to pay a slightly higher premium or serve a pre-decided waiting period to be able to file a claim against the condition.
Claim intimation in health insurance refers to informing insurance providers about the upcoming claim. This usually involves notifying the insurance provider about hospitalisation medical treatment before submitting detailed claim information. It enables insurers to be aware beforehand to streamline the subsequent claims processing. It is important to know that in some cases if the insured person does not submit an insurance claim intimation, the claim might be rejected.
Claim settlement is when the insurer pays the costs towards a loss incurred by the policyholder. In the case of health insurance, there are two major types of claim settlement- Cashless and Reimbursement.
In cashless claim settlement, the insurer pays the hospital directly according to the policy T&C. Whereas, in a reimbursement claim settlement, the bill is firstly paid by the policyholder and then is disbursed to his/ her account upon claim acceptance.
A cashless hospitalisation claim is a facility offered by insurance providers to help policyholders access medical services without worrying about the availability of upfront finances. To use this facility best, one has to receive treatment at network hospitals affiliated with the insurance provider.
The term reimbursement claim refers to the repayment of the claim. In this type of claim settlement, you pay the medical/hospitalisation bills for the medical treatment you avail of. Once you submit the bills to your health insurance provider, you can file a claim and get the covered amount from the insurer.
No claim bonus is an additional benefit offered under a health insurance plan to get a complimentary bonus for every claim-free year. It helps boost the coverage of your health insurance plan.
A sub-limit is a predetermined capping applied by the insurer on certain medical expenses under your health insurance. It works as a limit on how much claim amount the insurer will pay for a given healthcare expense. Sub-limits are usually calculated in percentage and apply to both cashless and reimbursement claims.
Room type refers to the kind of hospital room a policy covers. Common categories include general ward, semi-private room, and private room. The type of room you choose can directly impact the overall cost of your hospitalisation bill.
Room Rent Proportionate Charge limits the amount an insurer will pay for room rent per day during hospitalisation. If you exceed the room rent limit, you must pay the difference out of your pocket.
Smart select at Care Health Insurance is an add-on benefit facility that allows an insured to pay 15% lesser premium and get coverage up to sum insured at Care’s Smart Select Network Hospitals. Please note that getting treatment out of the smart select network may borne a 20% copayment or as specified in the policy documents.
Taking timely precautions is the need of the hour.Under preventive care, mediclaim policies cover COVID treatment, annual health check-ups, general OPD visits, diagnosis, medical tests, consultations, etc., done to analyse any severe health patterns beforehand. By paying the premium, you can avail of preventive care benefits under your medical insurance plan.
As of April 1, 2020, the Insurance Regulatory and Development Authority of India (IRDAI) has directed all health insurance companies to include coverage for AYUSH treatments in every health insurance plan. While some health insurance plans previously covered alternative treatments, they often had specific limits on the coverage.
Alternative medicines are better known as AYUSH treatments, which stand for Ayurveda, Yoga, Unani, Siddha, and Homeopathy. These treatments are deemed safe and effective not just in India but worldwide. Studies suggest that the AYUSH treatment sector in India is projected to grow at a CAGR of 8.6% in the period between 2022-27.These treatments rely on natural substances and therapies, resulting in minimal or no side effects.
A health emergency may come unannounced and is unpredictable for all ages! Thus, it is crucial to have a financial backup to cope with hard times! While people wait till their 30s or later to secure their finances, here are the advantages of ensuring your hard-earned savings with the help of health insurance at an early age:
According to a report by Business Standard, wholesale prices in India rose to 0.53% in March 2024. This inflation has also been significant in the medical sector!
The constant year-on-year increase in medicine prices, diagnostic tests, and hospital charges across India have made having affordable health insurance the need of the hour! Mentioned below are the benefits of health insurance that make it an essential healthcare security cover:
Hospital expenses can be financially exhausting, and thus, having hospitalisation cover can be very helpful. Health Insurance from Care Health Insurance protects you against pre- and post-hospitalisation expenses, ambulance charges, day-care procedures, domiciliary care expenses, etc.
Health Insurance for Critical Illnesses can ensure you do not have to spend your hard-earned savings if a critical illness knocks on your door. Thus, Care Health Insurance caters coverage against 32 major critical illnesses, including Cancer, Cardiomyopathy, paralysis, blindness, etc., under the Critical Illness Mediclaim.
Your corporate health insurance may not be sufficient for your and your loved one’s healthcare needs. At Care Health Insurance, we offer affordable plans that help you cope with expensive medical costs over and above your group health insurance plan.
With an expansive network of 24,800+ cashless healthcare providers, you can ensure that your focus remains on recovery, not paperwork, during a medical emergency. A convenient and stress-free claim procedure gives you the flexibility and peace of mind you deserve.
The premium you pay for your health insurance can be utilised to avail of tax benefits under Section 80D of the Income Tax Act, 1961. For example, individuals below 60 (along with senior citizen parents) can avail of tax deductions of up to ₹75,000.
If you fall into the taxable slab, then your health insurance plan can fetch you tax benefits. Here’s how:
| Policyholders | Deductions for premium paid for self and family | Deductions for premium paid for parents | Preventive Health Check-Ups | Tax benefit |
|---|---|---|---|---|
| Self and family below 60 years | ₹25,000 | - | ₹5,000 | ₹25,000 |
| Self, family, and parents below 60 years | ₹25,000 | ₹25,000 | ₹5,000 | ₹50,000 |
| Self and family below 60 years and parents above 60 years | ₹25,000 | ₹50,000 | ₹5,000 | ₹75,000 |
A health insurance policy is crucial for safeguarding the well-being of your loved ones. In today’s disease-prone world, the right coverage can offer financial protection and access to quality healthcare services. The best health insurance policy shall ensure that your family is protected from the exorbitant costs associated with medical treatments.
A health insurance policy acts as a financial safety net for illness or injury by covering everything from hospitalisation expenses to medication costs. This safety net not only eases the burden on your finances but also guarantees that your loved ones receive medical attention without compromises. It empowers you and your family to seek medical assistance promptly without worrying about expenses hindering timely healthcare. Annual health check-ups are also often included in health insurance policies, which can contribute to your family's overall well-being.
You should determine the ideal health plan for yourself and your family by evaluating the healthcare needs, age, and current health status of every member. To help you select the right health policies for every member, we have created a scenario-based differentiation covering the different needs of individuals and families. Find out which scenario is most relatable to you and secure yourself with our policy offerings-
Want to safeguard the health of your immediate and dependent family, including your spouse, children, and parents? Here’s a perfect choice: The policy covers your entire family’s medical needs with one comprehensive plan eliminating the struggle of maintaining several policies. With sum insured options up to ₹6 crores, the family plan offers the following features:
● A Single and Affordable Premium PayoutFamily Floater Insurance Policy
Young adults aged 35 years and below need a complete package of healthcare and financial security. To meet this need, you should choose our inflation-proof insurance: The medical insurance policy comes with all-inclusive healthcare benefits that help keep young adults safe against medical crises. With a no co-payment clause and personal accident coverage, this health insurance policy offers the following benefits to early birds:
● Available on Individual and Family Floater BasisYouth Health Insurance Plan
Your parents and elders need special care when they turn 60 and above. If you are looking for adequate coverage for your elders to enjoy a stress-free and financially secured retirement, here’s your go-to choice: The senior citizen health cover supports older people in paying hefty medical expenses due to old age-related ailments. Available to both individual and floater basis, the policy holds the following unique features:
● No Pre-policy Medical Check-ups*Senior Citizen Health Insurance Plan
The treatment of cancer, lung disease, and other critical ailments can completely wash away your savings. So, if you are anticipating any chronic conditions among your family, do check our Critical Illness Mediclaim.The policy offers a shield against the medical treatment expenses of 32 critical ailments, like stroke, paralysis, organ transplant, etc. with the following benefits:
● Mediclaim Policy with Low Premium & Optimum CoverageCritical Illness Insurance
At Care Health Insurance, we aim to serve customers beyond basic health insurance services. We offer enhanced medical insurance policies with valuable features to meet the diverse medical needs of people across the country.
At our core, we're not just about health insurance; we're dedicated to exceeding expectations and making the best possible healthcare facilities within everyone’s reach.
Care health insurance plans offer a diverse range of sum insured, starting from ₹3 lakhs to ₹6 crores, enhanced with various healthcare benefits like COVID and OPD care, cashless hospitalisation, day-care treatment, and annual health check-ups, among others. It's a spectrum of possibilities tailored to meet your unique healthcare needs.
At Care Insurance, we strive to provide our customers with the best health plans with wider coverage. Along with in-patient expenses, pre and post-hospitalisation, domiciliary hospitalisation, and organ donation, we also cover AYUSH treatment and modern technology treatments to ensure our customers choose the medical treatments of their choice through our long list of health insurance policies in India.
Take a look at the features of our comprehensive health insurance plans that make us one of the best health insurance companies in India.
Our health insurance premiums are designed to align with your budget while offering the desired coverage. Using our health insurance premium calculator, you can understand how much you pay for what benefit and how it will help.
We believe in empowering you with choices so you get an array of health plan options. Be it for individuals, families, your parents, an expecting mother, or critical illnesses like cancer or a pre-existing disease, you get to choose from several available options.
Cashless benefit has further made health insurance a hassle-free experience. In order to avail of cashless claims, one has to receive medical treatment from one of the network hospitals. Care Insurance has 24800+ cashless healthcare providers with 11400+ network hospitals. Hence, it is very easy to avail cashless benefits during a hospitalisation.
With the introduction of both online and offline claim filing options, the claim procedure has become quite easy. We understand the value of quick claim approval, so we approve and settle the claims within a short span of time.
You may have several queries regarding your health insurance plan, and visiting a nearby office may not always be possible. Fret not; we’ve got your back! With our live chat feature and quick customer care support, you can clear out all your doubts in no time.
On the website, you can easily spot the live chat feature or get a callback from our executive to resolve your query. Alternatively, you can reach us at our toll-free number: 1800-102-4499 for sales and +91 88604 02452 for service-related queries. You can also receive policy updates on WhatsApp.
Health Insurance plans from Care Health Insurance come with different add-on benefits that help you customise premiums and/or expand your coverage. Listed below are a few add-ons that our customers love the most.
While most of our health insurance plans have standard eligibility criteria, you can check the desired policy for specific conditions, like co-payments, waiting periods, etc.
Tabulated below are the eligibility criteria to purchase health insurance plans from Care Health Insurance:
| Minimum Entry Age | Individual- 5 years | Floater- 91 days with at least 1 insured person of age 18 years or above |
| Maximum Exit Age | Lifelong for Adults |
| Tenure Options | 1/2/3 Years |
| Cover Types | Individual and Family Floater basis |
| Waiting Period | 30 days for illnesses, except injury | 24 months for named ailments | 36 months for pre-existing diseases |
| Grace Period | 30 days to renew your policy post expiry |
Care Health Insurance offers the best health insurance plans for medical expenses, which provide comprehensive financial protection in times of urgency by covering various medical expenses apart from the bills you incur during hospitalisation. The coverage provided is subject to the policy terms and conditions. The expenses covered in health insurance policies are:
The best medical insurance plans also offer maternity benefits as an optional cover for delivery-related expenses. Various add-ons are available at an additional premium, including OPD Care, which covers expenses such as OPD consultations, diagnostics, and medicines.
Disclaimer: For more details on product coverage, please check our product pages and policy documents.
At Care Health Insurance, we want all our customers to be well-informed before purchasing a health insurance policy. Therefore, we urge you to review the policy documents within the free lookup period to avoid last-minute rejections of claims. Mentioned below are the common exclusions of a health insurance plan that you opt from Care Health Insurance:
STEP 1
Emergency
Intimate within 24 hours of your hospitalization
Planned Hospitalization
Intimate us 48 hours prior to your hospitalization
STEP 2
Cashless
Request for pre-authorization
Reimbursement
Claim form submission
Complete the pre-authorization form available
at the hospitals' insurance/TPA Desk and send us through fax.
Approval
Approval letter sent by the claim management team
Query
Hospital/Insured to respond to the query raised by the claim management team
Rejected
You may initiate the treatment and file for reimbursement claim
Submission of claim form along with required
documents, as per the policy terms & conditions
Approval
Approval letter sent by the claim management team
Query
Insured to respond to the query raised by the claim management team
Rejected
We will communicate the reason in case of rejection
Some paperwork would be required to file a claim. Typically, in the case of a cashless claim, the documentation is minimal, and most of the formalities would be completed by the TPA. The reimbursement claim procedure would require you to submit all the paperwork so there is no verification delay. It is suggested that you keep the following documents handy to ensure a smooth and quick claim settlement process:
Care Health Insurance strives to make quality health care accessible to everyone while maintaining a quick and hassle-free claim experience. The Care Health Customer App is an integrated app for all your health insurance needs. You can use this app for claim intimation, fill out a claim form online, upload the necessary claim documents, and track your claim status. Given below is the step-by-step process to file claim intimation using ‘Claim Genie’:
You can also track the status of the claim, just click on the ‘Claim Tracking’ option on the homepage. The list of active claims will be presented on the screen. Click on “Track Claim” on the relevant claim. The latest claim status will then be displayed on top of the screen. This app can also be used to download the query/settlement letter or approval letter.
We adhere to the underwriting process and consider many factors on which your insurance premium will depend. Listed below are some determining factors:
You can now calculate the premium using a simple digital calculator designed especially for medical insurance policies. This tool helps you get the right estimate of the amount of premium you will have to pay for your policy. It considers various factors to calculate the premium, including the information you have entered. Here are the steps to calculate your premium:
We offer three policy estimation options: family cover, pre-existing diseases cover, and senior citizen insurance. The premium calculator will automatically calculate the amount you must pay to be eligible for the coverage. You can check the premium and critical benefits in your base mediclaim insurance policy.
You know by now that your health insurance premium is not a random number but a thoughtful calculation based on unique facts. Our underwriting process ensures a personalised touch, from your health history to lifestyle choices. However, some easy tips and tricks can help you reduce your health insurance premium without cutting back on the coverage.
Age is the primary factor that influences the cost of your premium. With your age, your premium amount also rises because you become prone to critical health issues in your old age. In contrast to this, the young age is generally considered to be risk-free. Therefore, you can purchase health insurance at a lower premium amount when you are young.
Instead of opting for an expensive health insurance plan, you can play it smart and opt for the right add-ons. These add-ons are designed to cater to your health needs per your pocket. With the right add-ons, you can get guaranteed medical coverage in need.
Your health insurance plan can offer tax benefits based on your premium. You can maximise your tax deductions by paying a premium for your parents above 60. Get in touch with an expert to understand how you can avail tax benefits with your health insurance benefit.
When you start exploring health insurance plans, you will get several options to lure you. But you should not opt for that plan, which requires you to bend backwards. Choose a plan that you can afford comfortably.
You can choose the high amount of deductibles and co-payments to reduce the burden of premiums on your shoulders. Deductibles and co-payments are fixed amounts the insured must pay before availing of coverage benefits. While this will minimise your premium, remember that it will increase your share in claim settlement. Therefore, you should consider this option carefully.
Another way to reduce your health insurance premium is to choose a policy with a longer tenure. This can give you the benefit of concessions on the premium amount.
The simplest way to keep the premium under control is to follow a good lifestyle. If you are suffering from pre-existing diseases while buying a health insurance policy, the amount of your premium will also rise. Hence, it is vital to avoid alcohol, cigarettes, and caffeine, as they can pose the threat of serious health issues. Furthermore, you should incorporate nutritious food, a good amount of water intake and regular exercise into your daily routine.
Before deciding on the right mediclaim policy, it is important to compare multiple plans from different insurers. Different insurers offer coverage options with different premium costs. This makes it imperative to compare and research multiple policies and consider factors like customer reviews, coverage, and network hospitals. This way, you can ensure you purchase the perfect policy at reasonable rates.
As per the Insurance Regulatory and Development Authority of India (IRDAI), health insurance companies should mandatorily offer coverage for standard treatment of COVID-19 infections if the insured is affected by the infection and has to get hospitalised for the treatment.
The global pandemic outbreak has compelled people to opt for exhaustive health insurance plans that cover global health issues as well. Therefore, Care Health Insurance offers coverage for COVID-19 Infections per the policy terms & conditions.
To choose the best medical insurance in India, you must consider the below-mentioned advantages:
The best part about the online availability of health covers is the secure payment gateways. With easy-to-follow steps and trust-backed payment partners, we offer you a seamless experience of buying the best health insurance plans in India completely online. Also, our digital portal enables you to effortlessly make premium payments through a hassle-free digital payment gateway. Welcome to the future of hassle-free health coverage with Care Health Insurance!
Here is a quick 6-step guide you should follow for making online insurance payments:
Every medical policy terminates when the term for policy ends. That’s why renewing a mediclaim is crucial to ensure uninterrupted healthcare coverage and added advantages like no claim bonus, coverage for a pre-existing ailment, etc. The process of renewing insurance involves the following steps:
By buying a health policy online, you can also renew your health plan digitally, thus saving much effort.
Embrace the ease of securing your health online, with our digitally-enhanced portal. All you need to do is simply select your preferred health cover plans, fill up the details, and pay through secure transaction modes. Here’s why and how we ensure customer-friendly purchase a medical insurance plan online:
Our team is always available for all your queries concerning the terms and conditions of our healthcare policies. By accessing the live chat option, you can quickly discuss any policy-related matter at your convenience. No appointment is required.
We facilitate digital premium calculators to help you evaluate and opt for customised healthcare insurance for your family members.The ability to choose your desired health coverage and optional benefits helps us serve you the best mediclaim policies.
Our fortress-like secure payment gateways offer various digitally secure modes, including credit/debit cards or net banking. Once purchased, you will receive authentic policy documents immediately.This way, we help you get an instant mediclaim policy in less than an hour.
What we promise on paper is what you get in times of emergencies. All our healthcare insurance plans include all the terms and conditions for your ready reference. Our commitment to transparency knows no bounds!
While browsing online through our mediclaim policies, you can easily check out other add-on benefits. These include OPD care, co-payment waiver, and reduced wait time for pre-existing diseases, among others, to cover your specific needs.
The offline method of buying mediclaim policies usually result in increased costs due to numerous factors like agent fees. Insurance agents get a commission for selling mediclaim policies , which increase the cost of the policy. Purchasing a health insurance plan online can help eliminate overhead expenses. Further, some insurance companies also offer an additional discount when you purchase plans using their online platform.
Health insurance is vital to financial planning, yet various misconceptions surround it. Let us examine the most common health insurance myths and help you understand what is a myth and what is not.
It is a common myth that only seniors require health insurance to cover the medical expenses of age-related issues. Among younger people aged >50 years, the incidence of cardiovascular disease has been rising due to their poor lifestyle, deficiency of nutrients, and lack of exercise for calorie burn. Therefore, health insurance plans are vital for everyone. If you buy it at an early age, you won’t have to pay an expensive premium. You will be able to buy it at cheaper premium. health insurance plans may come with a waiting period against specified ailments. Thus, insuring your health and wealth is a wise choice to make at an early age.
While your coverage will start as soon as you buy a health insurance plan, you must first serve a waiting period. This is a 30-day period when a claim cannot be raised except for an accidental injury. When you buy a health insurance policy, you should enquire about your policy’s waiting period. For instance, coverage of certain treatments may require you to wait for a specified waiting period.
Absolutely not! While the cheapest policy sure looks attractive, you should carefully think about why you want this plan and what benefits you expect from your plan. You should never make the prices the only criteria for choosing the plan. You might not be able to get the required benefits from your plan if it is cheap. Therefore, make sure that the plan that you have been buying is offering you comprehensive coverage for all your medical expenses.
Having a pre-existing illness doesn’t make you ineligible to make a claim. Your insurer may ask you to serve a specific notice period before being eligible for the coverage, or you may ask for an additional premium or both.
Did you know? Health insurance plans such as Care Supreme even offer add-on benefits to reduce your Pre-existing disease waiting period for specified ailments!
Simply put, if you secure your pre-existing health condition with Care Supreme, you may reduce your waiting period by paying a slightly higher premium!
While it is a great perk to have corporate health insurance, you should not entirely depend on it. In most cases, a group plan will offer you limited coverage because its premium is deposited by your employer. You may lose all the accrued bonuses and other benefits when you change or leave your job. Furthermore, group health insurance might not be able to beat medical inflation. With a modest sum insured, you won’t be able to cover the medical expenses for critical illness and hospitalisation. Hence, consider buying an individual health insurance plan over and above the group coverage.
Despite a comprehensive plan, not all your bills will be covered by your insurer. Read the policy wording, and understand its terms and conditions. You need to know about exclusions, which are conditions that are not covered under your health insurance plan. Similarly, you should know about the co-payment clause of your insurer where you need to bear a part of the claim amount. Additionally, you can’t claim the uncovered expenses.
There are more than one reasons to port your policy to Care Health Insurance. As an insured person, we promise you unique benefits with lifelong renewability under most of our health insurance plans. Porting a medical plan is easy and can be done before the policy renewal stage. Just notify your existing insurer at least 45 days before the policy renewal date of an existing medical cover.
You will be able to retain your medical insurance policy benefits and accrued bonuses and transfer the time-bound exclusions, including credit for the waiting period for pre-existing diseases. It is possible to port a policy from one insurance company to another and from one health insurance policy to another policy with the same insurance company.
Here is a step-by-step guide to port your health insurance scheme and get covered under Care Health Insurance plans:
Step 1
On the home page of Care Health select the “port existing policy” option and follow the premium calculation journey.
Step 2
Fill up the proposal form and the portability form with relevant details and submit the required documents along with it.
Step 3
The requisite data will be furnished on the official portal of IRDAI.
Step 4
The new insurance company will underwrite the proposal and inform you within 15 days.
When you port a health insurance policy to a new insurance provider, the aim is to get better services and coverage. Keeping in mind the following aspects will help you in a seamless transition.
Before switching to a new health insurer, it is vital to inform the current insurer. You should write an application for this purpose. You can make this request to your insurer at least 45 days before your policy’s expiry date. Also, keep in mind that you should avoid making this request before 60 days of the renewal. Let’s understand how to make the portability permission request. You should write an application in which you have to mention the name of your new insurer and other personal and details. Once you apply, your application will be reviewed and you will receive an acknowledgement within 3 business days.
When you decide to port your health insurance policy to a new insurer, you should enquire about the premium. You should check whether its premium will increase or decline on porting. The change in premium indicates the changes in your coverage or benefits. So, gather this information before you finalise the porting.
If you are thinking of switching to a new insurer to enhance coverage or benefits, you should check for the available add-ons. You can buy the add-ons of your current insurer to avail of the extended benefits.
You should understand the waiting period cycle before you port to a new insurer. Simply put, the waiting period is divided into three parts.
Hiding your medical history when you make a porting request to the new insurer can be a mistake. Your new insurer may or may not make you undergo a medical test. In case you have been suffering from any chronic illness or severe comorbidities, your porting request may be rejected. Because in such medical cases, the threat of hospitalisation and the frequent visits to check-ups or treatment always persists.
Obviously, you have decided to port to a new insurer because you are optimistic about new benefits there. Hence, you should try to choose a higher sum insured when you port.
Before you decide to port your mediclaim policies to a new insurer, it might be a good idea to be aware of a few metrics. You should always check for details like discounts being offered, any consumer complaints, company’s empanelled network healthcare providers and the claim settlement ratio. It might also help to check the ratings on the company’s social media handles to understand the overall customer experience.
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Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.
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The amount of insurance coverage you will need depends on your medical needs, age and health risks, the city you live in, and various other factors. Also, you must consider the treatment costs for your specific health condition before deciding how much sum insured is enough for you and your loved ones.
At Care Health Insurance, a 5-lakh medical cover starts with a premium as low as Rs. 358/month, subject to specific policy terms and conditions. Factors like the sum insured, type of coverage, policy term, count and age of insured members, and their pre-existing medical conditions, impact the chosen health plan’s premium cost.
While purchasing a mediclaim insurance policy, you will require a few important documents to complete the process. Some of the documents required include ID proof, age proof, income proof documents, age proof, photographs, and relevant medical records.
Yes, you can get immediate coverage under medical policies for any accidents or injuries. However, you can only avail of the policy's coverage for any illness-related hospitalisation after a standard waiting period of 30 days from the day your policy becomes effective.
The earlier you get a health cover, the lesser the premium you get to bear. The premium costs of health plans increase with age. Besides, the chances of having a pre-existing health condition also increase as we grow older– resulting in an increased premium. Thus, going for a health cover early in life is a wise decision.
Medical insurance portability can help you switch a health insurance plan without having to go through a new waiting period. Once you have finished the waiting period in your previous plan, you do not have to serve it again.
You can make multiple insurance claims during the policy term, provided that it remains within the sum insured limit.
Domiciliary hospitalisation is a situation in which the insured receives treatment at home either because the doctor has declared that they cannot be admitted to the hospital, or there is a non-availability of rooms at the hospital.
Yes, foreigners who are living in India can buy a medical insurance policy in India.
Typically you will have to inform the insurance company about your hospitalisation. Submit the claim form and all the stamped and verified documents within the stipulated timeline. Once the claim is verified, it will be settled within 2-3 weeks.
Generally, any type of treatment taken overseas is not covered. However, you can opt for a global coverage option if you wish to continue treatment abroad.
Network hospitals are empanelled with a health insurer and provide you with cashless medical treatment. Here, you can present your health card to avail of a cashless hospitalisation facility and the insurer will directly settle the claim with the hospital. Whereas, non-network hospitals are not empanelled with the insurer and thus require reimbursement claim filing.
A waiting period is a pre-defined number of days you must wait before raising a claim under a standard health insurance plan. There are three types of waiting periods, namely– an initial waiting period of 30 days, a waiting period for pre-existing diseases, and a waiting period for specified ailments/ treatments.
Your health plan will expire if you do not pay the premium by the policy period end date. However, even if you miss the premium due date, you will be allowed a grace period of 30 days immediately following the policy period end date to pay the renewal premium. The policy will not provide coverage during the period of unpaid premium. Neglecting your mediclaim insurance premium is like playing a risky game. Letting the due date slide means your coverage will leave you without the magical safety net promised in your policy. So, try not to let your health plan expire.
A no-Claim Bonus (NCB) that is given to the policyholder for not raising any claim during a policy year. It is a bonus amount that becomes available as an increased sum insured for every claim-free year. The NCB amount will not exceed 50% of the sum insured under any medical policy insurance. The accrued bonus is reduced by 10% in the next policy year, if the insurer claims in a policy year.
Pre-existing diseases are illnesses, injuries, or related conditions for which a medical practitioner diagnosed a person within 36 months before the effective date of policy issuance by the insurer or its reinstatement. Yes, Care Health Insurance policies cover pre-existing medical conditions but come with a waiting period as per the chosen policy.
With our medical insurance, you get a chance to increase your savings as you become eligible to get income tax benefits under Section 80D of the Income Tax Act. That is, you will be allowed to claim a tax deduction on your policy premium for which you have made a payment to us.
The sum insured refers to the maximum coverage amount or pay-out that an insurer will be liable to pay an insured in case of an unforeseen medical emergency or planned medical treatment. The claim amount that exceeds the sum insured will have to be borne by the insured person.
Yes, you can buy yourself multiple health policies. If you have opted for more than one indemnity-based plan with other insurers or us, then you can opt for any of these plans to settle your claims, provided that the claim amount payable is up to the sum insured of the chosen policy. If the claim amount under a single policy exceeds the sum insured, you have the right to select the insurer to settle the claim.
Yes, you can include ageing parents in your health insurance plan easily by informing us during renewal. However, for elderly parents above 60 years, we recommend medical insurance for senior citizens that will better meet their age-related healthcare needs.
Insurers consider the habit of smoking as a factor when assessing your health risks and calculating insurance premium rates. Generally, smokers need to bear a higher premium for any health cover, given that smoking makes people more vulnerable to chronic diseases and other health hazards.
Yes, an insured person is allowed a grace period of 30 days immediately following the policy period end date to pay the renewal premium for a Care insurance policy. You can the premium within the grace period to renew the benefits of your medical health insurane policy.
Yes, it is wiser always to have separate healthcare insurance besides the employer health plan because the corporate plan does not offer extensive coverage, no tax benefits, and customisable features. Thus, it is better to protect your finances and health with a separate cover that meets all your healthcare needs effectively.
Yes, you can include your children aged 5 years or above under an individual health plan. For children under 5 years of age, you can include them in a family floater plan with other family members who are 18 years and above.
Yes, our Yes, our specialised health insurance plans cover various expenses under advanced medical treatments, including robotic surgery and modern-day care treatments. We offer cover for more than 541 daycare procedures.
Pre-policy medical tests are usually required for older individuals, those with a pre-existing condition, or opted for a higher sum insured. However, it is best to go for a medical check-up when opting for a health insurance plan to ensure hassle-free claim settlement.
You can increase the sum insured of your health plan at the time of policy renewal. The same can be done after specific medical tests and a revision of the claim history. But the sum insured cannot be increased further if the existing sum has already met the sum insured limit of your policy.
For a cashless claim, you need to submit the pre-authorization form at the hospital's TPA desk. Also, you need to present your health card and identity proof at the network hospital. Under a reimbursement claim, submit the claim form and documents, such as identity proofs and hospital bills. The details required include name, contact information, policy number, past medical history, proposed line of treatment, duration of treatment, etc.
Yes, your health insurance claim may get rejected for several reasons, like incorrect facts, non-disclosure of pre-existing conditions, claims under exclusions, etc.
Yes. Under our Maternity Health Insurance plan, the expenses of an expecting mother and the newborn baby (up to 90 days) are covered. Expenses for daycare treatment, in-patient costs, expenses on pre and post-hospitalisation, room charges, etc. are covered.
Yes. Alternative treatment like AYUSH (Ayurveda, Yoga, Unani, Siddha, and Homeopathy) is included in most of the Care Insurance plans.
Yes. There are various ways in which you can enjoy a relatively cheaper health insurance premium. It depends on factors like who you are insuring, your location, credit score, past claim history, no claim bonus, any on-going discount/offer, higher deductibles, policy term etc.
*Please read the policy T & C, brochure, and prospectus to know more about our medical plans cover as it may vary.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
**Number of Claims Settled as of 31st March 2024
^10% discount is applicable for a 3-year policy
~~Premium calculated for an individual (Age 18) for sum insured 5 Lakhs in Zone 2 cities with Care Supreme Policy.
^^ Number of Cashless Healthcare Providers as of 31st March 2024
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