1. How does the waiting period affect my coverage?

Most health insurance policies have a waiting period for pre-existing conditions and specific treatments. This means coverage for these conditions starts only after the waiting period ends. The duration varies by policy, so it’s important to check the terms.

2. What happens if I don’t use my health insurance benefits for the entire year?

If you don’t make any claims, some policies offer benefits like a no-claim bonus or increased coverage in the following year. Check with your insurer to understand the perks available. Stay claim-free for a year and earn a 50% bonus, 25% for the second year, and 25% for the third, cumulatively. If you file a claim, the bonus reduces at the same rate.

3. Will my health insurance cover treatment abroad?

Coverage for overseas treatment varies by policy. Some plans provide global coverage, while others limit treatment to specific regions or exclude international care. Always review your policy details for clarification.If you remain claim-free, you earn a 50% bonus for the first year, 25% for the second, and 25% for the third, cumulatively. If a claim is made, the accumulated bonus is reduced accordingly.

Are there any add-ons available with the Care Super Mediclaim?

Yes, the policy offers add-ons such as Air Ambulance, Co-Payment Waiver, and Reduction in Pre-Existing Disease (PED) Waiting Period.

Does Care Super Mediclaim cover pre-existing conditions?

Yes, Care Super Mediclaim covers pre-existing conditions after a waiting period of 24 months.

OneAssure

Health Insurance

Care

Super Mediclaim

Care Super Medicare

Experience India's most trusted health insurance with Care Health Insurance. Get instant cashless treatment at 19000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

19000

Network Hospitals

0

Customer Rating

Get a Quote

96

Claim Settlement Ratio

19000

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: Care Health Insurance

Use our free BMI calculator for men and women to quickly check your Body Mass Index. Discover whether you're underweight, normal, overweight, or obese based on your height and weight - only at Oneassure.

Final Verdict

Care Super Mediclaim offers up to ₹2 crore coverage for critical illnesses with tailored variants. Ideal for individuals seeking specialized protection, it provides add-ons like air ambulance cover and reduced PED wait periods. However, co-payment and deductible options may apply.

About

About Care Health Insurance

The Care Super Mediclaim Plan by Care Health Insurance offers comprehensive coverage for critical illnesses, including cancer, heart ailments, and specific surgeries, through four tailored variants. It provides sum insured options ranging from ₹10 lakh to ₹2 crore, with flexible policy tenures of 1, 2, or 3 years. The plan covers in-patient care, day care treatments, pre and post-hospitalization expenses, chemotherapy, radiotherapy, and dialysis. Additional benefits include annual health check-ups, counseling services, and a no-claim bonus that doubles the sum insured after three claim-free years. With options for premium reduction and extensive family coverage, the plan ensures financial protection against costly medical treatments, offering peace of mind and quality healthcare access. The plan is available in four variants: Critical Mediclaim : Covers 32 specified critical...

The Care Super Mediclaim Plan by Care Health Insurance offers comprehensive coverage for critical illnesses, including cancer, heart ailments, and specific surgeries, through four tailored variants. It provides sum insured options ranging from ₹10 lakh to ₹2 crore, with flexible policy tenures of 1, 2, or 3 years. The plan covers in-patient care, day care treatments, pre and post-hospitalization expenses, chemotherapy, radiotherapy, and dialysis. Additional benefits include annual health check-ups, counseling services, and a no-claim...

Inclusions and Exclusions

Inclusions and Exclusions of Care Insurance Company Limited

Waiting Period

Initial: 90 Days
Specific: 24 Months
Pre-Existing Diseases: 48 Months

Cashless Healthcare Providers

24,800+

Daycare Treatment

Up to Sum Insured
Covers specified treatments requiring less than 24 hours of hospitalization.

AYUSH Treatment

Up to 25% Sum Insured for Critical Mediclaim.
Cancer Mediclaim,Heart Mediclaim.
Not Available for Operation Mediclaim.

Room Rent

Normal: Single private room
ICU: No Limit

Advanced Treatments

Palliative Chemotherapy
Coronary Angiography
Radiotherapy for Cancer
Cancer Chemotherapy
Palliative Radiotherapy

Waiting Period

Initial: 90 Days
Specific: 24 Months
Pre-Existing Diseases: 48 Months

Cashless Healthcare Providers

24,800+

Daycare Treatment

Up to Sum Insured
Covers specified treatments requiring less than 24 hours of hospitalization.

Pageof 2

Exclusions

Illnesses or treatments within 30 days of policy start date.
Medical expenses for congenital diseases or IVF/infertility treatment.
Treatment related to pregnancy, childbirth, miscarriage, or abortion.
Hospitalization due to war, riots, strikes, or nuclear incidents.
Medical expenses from alcohol/drug abuse, self-inflicted injuries, or suicide attempts.

Insurance Premium Calculator

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

About the company

Carе Hеalth Insurancе (formеrly known as Rеligarе Hеalth Insurancе) is onе of India’s most trustеd and customеr-cеntric hеalth insurancе companiеs. It is dеdicatеd to providing comprеhеnsivе and affordablе hеalth covеragе that hеlps individuals and familiеs stay financially sеcurе during mеdical еmеrgеnciеs.
Carе Hеalth offеrs a widе rangе of plans tailorеd for individuals, familiеs, sеnior citizеns, and corporatе groups. Each policy is thoughtfully dеsignеd to covеr hospitalization еxpеnsеs, surgеriеs, daycarе procеdurеs, and both prе- and post-hospitalization costs. Thе insurеr also providеs global covеragе options, wеllnеss-basеd bеnеfits, and top-up plans to еnhancе protеction basеd on spеcific hеalthcarе nееds.

Carе Hеalth Insurancе (formеrly known as Rеligarе Hеalth Insurancе) is onе of India’s most trustеd and customеr-cеntric hеalth insurancе companiеs. It is dеdicatеd to providing comprеhеnsivе and affordablе hеalth covеragе that hеlps individuals and familiеs stay financially sеcurе during mеdical еmеrgеnciеs. Carе Hеalth offеrs a widе rangе of plans tailorеd for individuals, familiеs, sеnior citizеns, and corporatе groups. Each policy is thoughtfully dеsignеd to covеr hospitalization еxpеnsеs, surgеriеs, daycarе procеdurеs, and both prе- and post-hospitalization...