Care Plan
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Our Verdict
Expert Review: Care Health Insurance
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Final Verdict
About
About Care Health Insurance
Inclusions and Exclusions
Inclusions and Exclusions of Care Insurance Company Limited
Post-Hospitalisation
You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it
Specific Waiting Period
2 years
Modern Treatment
Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
Daycare Treatment
Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured
AYUSH Treatment
Covers AYUSH treatment expenses up to your annual sum insured during the policy period
ICU Charges
No restriction on ICU room rent
Disease-wise sublimits
No
Restoration Benefit
Yes, your sum insured restores to 100% once every policy year
Cumulative Bonus
For every year you don’t make a claim, your sum insured increases by 10%. You can pay an additional premium to increase sum insured by 50% upto 100% for every claim free year
Consumable Cover
No. However, available as an add-on
Initial Waiting Period
30 days. For the first 30 days after buying your policy, hospital stays won’t be covered unless it’s an accident
PED Waiting Period
3 years
Annual Health Checkup
Health check-up is available once every policy year, from day 1 of the policy
Pre-Hospitalisation
You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved
Outpatient Department Cover (OPD Expense)
OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage
Deductible Option
Available as an option
Maternity Cover
Not available
Claim Settlement Ratio
96%
Coverage Options
Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹30L, ₹40L, ₹50L, ₹60L, ₹75L
Cashless Healthcare Providers
21700+ Healthcare Providers
Room Rent
Single private AC room is included as part of base cover
Co-payment
Available as an option
Post-Hospitalisation
You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it
Specific Waiting Period
2 years
Modern Treatment
Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
Exclusions
Congenital external anomalies, genetic disorders (unless covered).
Medical expenses for conditions existing before policy inception are typically excluded for a specified waiting period.
Certain treatments and diseases are not covered during initial periods after the policy starts, such as the first 30 days for general illnesses and up to 48 months for specific conditions
Expenses related to infertility tests and treatments, including in vitro fertilization, are typically not covered.
Expenses for psychiatric treatments and mental health conditions are often excluded.
Add ons
Add-Ons
OPD Benefit
Reduction in PED
Unlimited Automatic Recharge
NCB
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About the company
About the company
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.
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