1 करोड़ का हेल्थ इंश्योरेंस प्लान

केयर एडवांटेज की प्रमुख विशेषताएं: स्वास्थ्य बीमा 1 करोड़ की पॉलिसी

Care Advantage helps you and your loved ones sail through the most difficult medical situations by offering you 6 to 1 Crore Health Insurance cover along with two more health cover options with a sum insured of Rs 25 Lakh and Rs 50 Lakh, respectively. It includes the below-mentioned features:

• व्यक्तिगत या फ्लोटर विकल्प
• हॉस्पिटलाइज़ेशन के खर्चों के लिए कवर
• डेकेयर ट्रीटमेंट कवर
• हॉस्पिटलाइज़ेशन से पहले और बाद के मेडिकल खर्चों के लिए कवर
• एम्बुलेंस कवर
• अंग दाता कवर
• नो क्लेम बोनस
• सेक्शन 80D के तहत टैक्स लाभ
• ऑटोमैटिक रीचार्ज

Factors to consider while buying Health Insurance for 6 Crore, 1 Crore, 50L or 25L

हेल्थ कवर का विकल्प चुनते समय इन बातों पर विचार करना चाहिए:

• Assess Healthcare Needs: Before opting for a health insurance policy, you must assess your healthcare needs by considering factors such as age, the number of family members, medical history, etc. Consider opting for a cover of 6 to 1 Crore, 50L, or 25 L, depending on the medical expenses you have estimated.
• Premium: Going for an increased coverage under your existing health policy may cost you additional charges on the premium. However, by opting for a policy with a high sum insured like a customised 1 Crore Health Insurance Policy, you can look forward to an affordable 6 to 1 Crore health insurance premium rate.
• स्वास्थ्य बीमा ऑनलाइन खरीदें: टेक्नोलॉजी ने 1 करोड़ की मेडिक्लेम पॉलिसी खरीदना आसान और सुविधाजनक बना दिया है। अब आपके पास अपने मोबाइल या कंप्यूटर स्क्रीन से आराम से बेस्ट पॉलिसी को रिव्यू करने का विकल्प है। इसके अलावा, आप ऑनलाइन प्रीमियम का भुगतान कर सकते हैं और ऑनलाइन तरीके से क्लेम अनुरोध दर्ज कर सकते हैं।

आपको उच्च कवरेज के साथ स्वास्थ्य बीमा कवर की आवश्यकता क्यों है?

Lifestyle diseases are on a constant rise. While we ensure to follow a healthy lifestyle and healthy diet, it is crucial to be financially prepared for any health emergency. Medical conditions are not always due to poor lifestyle. It may be due to hereditary factors as well. Having family health insurance plans for the safety of your family or a senior citizens health insurance for protecting your elderly parents might come in handy. However, if your family has constant medical emergencies, you might find yourself short of medical cover.Thus, a health insurance policy with higher coverage, for instance, Rs 6 to 1 Crore Health insurance plans, would serve as a financial cushion. All your major expenses entailing hospitalisation, daycare treatment, as well as pre and post hospitalisation medical expenses, will be covered under your health insurance of 1 crore. You get coverage for certain specific ailments and pre-existing diseases after the waiting period is over, subject to policy terms and conditions.

उच्च बीमा राशि के साथ स्वास्थ्य बीमा खरीदते समय ध्यान में रखने लायक बातें

Before making a judicious choice for the preferred health insurance policy, it is important to consider certain factors as listed below:

• Expenses covered: At the time of selecting health insurance plans of 1 Crore to 6 Crore, one should select the amount wisely as it covers the medical expenses for a year. Make sure you choose a sum insured which won’t fall short in case of an emergency and the premium for which is not too exorbitant. For protection from huge medical expenses, you can depend on the 1 Crore health insurance coverage under Care Advantage while you also have two more sum insured options to choose from – health insurance with Rs 25L, Rs 50L, 1 Cr to 6 Cr cover. Make sure you read the policy features to know about the expenses which are covered.
• Waiting Period: When opting for a health insurance policy, you must check for the waiting period before making a claim. With Care Advantage, we offer coverage with an initial 30 days waiting period for any claim due to illnesses, except injury. There is a waiting period of 36 months for pre-existing diseases and 24 months for specific diseases.
• Network Hospitals: One should always check the Cashless Network Hospitals of the insurance company. At the time of a medical emergency or hospitalisation, the hospitals in the network offer cashless treatment options under this facility; the insurer settles the medical bills directly with the hospital, subject to policy terms and conditions. We, at Care Health Insurance, offer cashless treatment at more than 11400+ hospitals across India.
• Lifetime Renewal: Look for health policies that offer lifetime renewability. There is a higher chance of suffering from diseases and illnesses when you are old. It is advisable to buy a health policy offering lifetime renewability.
• No Claim Bonus: No claim bonus in 1 cr medical insurance refers to the additional coverage provided by the insurer to the insured if no claim has been made during the year. We, at Care Health Insurance, offer a 10% increase in sum insured per policy year if you had a claim-free year; the maximum limit to this increase is 50% of the sum insured.

Tax Benefits of Care Advantage

A health insurance policy not only covers your medical expenses but also offers you tax benefits under Section 80D of the Income Tax Act. As per this provision, you are eligible to claim a tax deduction of Rs 25,000 in a financial year for the premium you pay towards the policy. In case you have senior citizen parents covered under the policy, you get an additional deduction of Rs 50,000 under Section 80D tax benefits.

6 से 1 करोड़ की स्वास्थ्य बीमा पॉलिसी के लिए क्लेम सेटलमेंट प्रोसेस

इमरजेंसी हॉस्पिटलाइज़ेशन के मामले में, हमारी कस्टमर सपोर्ट टीम से संपर्क करें और हॉस्पिटल में भर्ती होने के 24 घंटों के भीतर हमें सूचित करें। प्लान किए गए हॉस्पिटलाइज़ेशन के मामले में, भर्ती होने से 48 घंटे पहले हमें सूचित करें।

कैशलेस हॉस्पिटलाइज़ेशन के लिए क्लेम प्रोसेस

• विधिवत भरा हुआ और हस्ताक्षरित प्री-ऑथोराइज़ेशन फॉर्म हॉस्पिटल इंश्योरेंस डेस्क पर सबमिट करें।
• हमारी क्लेम मैनेजमेंट टीम द्वारा अप्रूवल लेटर भेजा जाएगा।
• ज़रूरत पड़ने पर, हमारी क्लेम मैनेजमेंट टीम स्पष्टीकरण मांग सकती है।
• अप्रूवल के बाद, आपके बिल का भुगतान सीधे हॉस्पिटल को किया जाएगा।

रीइम्बर्समेंट क्लेम प्रोसेस

• सभी आवश्यक डॉक्यूमेंट के साथ विधिवत भरा हुआ और हस्ताक्षर किया हुआ हेल्थ इंश्योरेंस क्लेम रीइम्बर्समेंट फॉर्म सबमिट करें:
• आपको निम्नलिखित डॉक्यूमेंट सबमिट करने होंगे:
  • मान्य फोटो-ID प्रमाण
  • हॉस्पिटल/डॉक्टर द्वारा जारी किया गया मेडिकल सर्टिफिकेट
  • हॉस्पिटल/डॉक्टर द्वारा जारी मूल बिल, रसीदें, हॉस्पिटल से छुट्टी के फॉर्म
  • बीमा कंपनी द्वारा अनुरोध किए गए अन्य डॉक्यूमेंट
• अगर आवश्यक हो, तो हमारी क्लेम मैनेजमेंट टीम एक प्रश्न दर्ज कर सकती है
• An approval letter will be sent by the claim management team
• किसी भी अस्वीकृति के मामले में हम सूचित करेंगे।

Exclusions in Care Advantage

Exclusions are the diseases that are not covered under the policy. Some common exclusions for Health Insurance Policy are listed below:

• खुद को लगी चोट और आत्महत्या के प्रयास
• शराब के सेवन के कारण लगी चोट
• IVF या बांझपन का इलाज
• Hospitalisation due to war or nuclear threat
• प्लास्टिक सर्जरी और कॉस्मेटिक ट्रीटमेंट
• Other permanent exclusions