Care Super Medicare Health Insurance Plan

Care Super Medicare Health Insurance Plan

Overview

Care Health Insurance (CHI) is a specialized Health Insurer offering health insurance services to employees of corporates, individual customers and for financial inclusion as well. With CHI’s operating philosophy being based on the principal tenet of ‘consumer-centricity’, the company has consistently invested in the effective application of technology to deliver excellence in customer servicing, product innovation and value-for-money services. Care Health Insurance currently offers products in the retail segment for Health Insurance, Critical Illness, Personal Accident, Top-up Coverage, International Travel Insurance and Maternity along with Group Health Insurance and Group Personal Accident Insurance for corporates. The organization has been adjudged the ‘Best Health Insurance Company’ at the ABP News-BFSI Awards & ‘Best Claims Service Leader of the Year – Insurance India Summit & Awards. Care Health Insurance has also received the ‘Editor’s Choice Award for Best Product Innovation’ at Finnoviti and was conferred the ‘Best Medical Insurance Product Award’ at The FICCI Healthcare Awards. Best Health Insurance Company - ABP News – BFSI Awards 2015, Best Claims Service Leader of the Year - Insurance India Summit & Awards 2018, Best Product Innovation - Editor’s Choice Award Finnoviti 2013, Best Medical Insurance Product - FICCI Healthcare Awards 2015

Highlights For

Care Super

Mediclaim

Global coverage

Preventive Annual Health Check-up

Flexible Tenure Options

Quick Recovery Counselling

No Claim Bonus

Critical Mediclaim

Cancer Mediclaim

Heart Mediclaim

Operation Mediclaim

product highlights for Care Super Mediclaim

Features

Sub-limits

Pre-Hospitalisation : 30 Days

The amount of expenses incurred during this period prior to hospitalisation such as diagnostic tests, doctor fees, medicines, etc. for investigiation purpose are also payable by the insurer

Post Hospitalisation : 60 Days

The amount of expenses incurred during this period after discharge from hospitalisation for the purpose of recovery such as follow-up tests, doctor fees, medicines, etc. are also payable by the insurer

Pre existing Disease cover : Pre-existing diseases covered after 48 months of renewal.

Coverage for all Pre-Existing Diseases covered after a certain specified waiting period with continuous renewal.

Waiting Period- Initial : 90 Days

No claims are accepted within this period except due to accidents/ injury.

Waiting Period- Specific : 24 Months (Not applicable on CRITICAL MEDICLAIM, CANCER MEDICLAIM and HEART MEDICLAIM)

Listed specific illness

Waiting Period- PED : 48 Months

No pre-existing ailment related claims are accepted within this period.

Room Rent : Single Pvt. Room (Room Rent Modification rider - No Limit)

Room rent for in-patient hospitalisation

ICU Charges : No Limit

Charges for ICU hospitalisation

Co pay : Up to SI; only for SI >=1Cr (Limited to In-Patient Care and Day Care treatment) with a Co-payment of 10% per Claim - Global Coverage

% of the claim that the policyholder needs to pay out-of-pocket

Restore Benefit/ Recharge/ Refill : No

If the sum insured is exhausted due to hospitalisation expenses of one or more members, there is an automatic restoration of the sum insured for related or unrelated ailments.

Health Check up : Annually from 2nd Policy Year on continous coverage

Free annual health check-up for all insured members according to the list of tests specfied in the policy document.

No Claim Bonus : 50%, 25%, 25% increase in SI for 1,2,3rd year claim free policy years; max upto 100% SI

% of the sum insured that rises every claim free year.

Video/telephone consultation : Available

E-consultation with expert doctors empanelled with the insurer for a second opinion.

Domiciliary hospitalization : No

Home care treatment where there are no beds in the hospital or paitient is not in a condition to be moved to the hospital, This treatment is provided under the supervision of a registered medical practitioner.

Ambulance : Upto Rs. 3000 per hospitalisation

Transportation of the patient to the hospital and back home

Convalescence benefit : No

A specific fixed amount of money paid as a recovery benefit for extended hospitalisation.

Organ Donor : Upto Sum Insured or 15L which is lower

The costs for a surgical procedure of removal or damaged organ from the patient's body which could otherwise be fatal.

Bariatric cover : No

Expenses related to obesity-related conditions such as high BP, sleep apnea, arthiritis asthma, etc.

Daycare : Upto Sum Insured; plan specific

Covers in-patient hospitalisation expenses where the stay is <24 hours under a specified list of treatments

AYUSH : Up to 25% Sum Insured for CRITICAL MEDICLAIM, CANCER MEDICLAIM and HEART MEDICLAIM Not Available for OPERATION MEDICLAIM

Alternative treatment coverage such as ayurvedic, unani, sidha and homeopathy which leads to hospitalisation.

Congenital Coverage : No

Covers medical expenses related to diagnosis and treatment of heriditary and internal congenital ailments/ conditions/ traits that exist from birth.

Modern Treatments : No

All advanced treatment with upgrade in technology.

Health Management/ Wellness : No

Benefits provided for staying fit and managing health

Maternity Benefit : No

All expenses related to childbirth or legal medical termination of pregnancy, usually upto a specified limit.