Care Health Insurance Plan

Entry Age

Individual: 5 years Floater: 91 days if one insured person is above 18 years old

Basis

Individual / Family floater health insurance

Policy Period

One/ Two or Three Years, Grace period: 30 days

Renewability

Lifelong

Sum Assured

Starting from Rs.3 lakh to Rs.75 lakh

Premium

Starting from Rs.10,302 for Rs.3 lakh sum assured for 5-year-old to 24-year-old male

Discount

10% discount on 3-year policy term and 7.5% discount on 2-year policy terms.

Co-Payments

Co-payment applicable if the person is more than 61 years at the time of first buy of a policy less than Rs.3 lakh.

Coverage

1. Pre-and Post-hospitalization:
2. 30 days before you get admitted to a hospital and 60 days after
3. Ambulance expenses
4. Organ donor medical expenses
5. Domiciliary hospitalization
6. Flexibility to increase policy's Sum Insured even later
7. Daily allowance of Rs. 500 up to 5 days in policies of Rs.3 lakh/Rs.4 lakh treatment anywhere for policies of Rs.50 lakh/Rs.60 lakh

NCB Super Add-on

1. The NCB Super add-on will be mandatory for a sum insured of Rs.3 and Rs.4 lakh.
2. If the age of the individual is 45 years and below, the NCB Super add-on will be mandatory for a sum insured of Rs.5 lakh.

Benefits

1. 540 day care treatments, plus hospitalization expenses if it exceeds a day
2. Cashless treatment at over 15000 network hospitals
3. Auto-recharge of the entire sum insured of your policy
4. Complimentary comprehensive health check-ups for primary policy holder and members covered as adult every year
5. Up to 150% of your sum insured under the No-claim Super Bonus feature
6. 30 days pre and 60 days post-hospitalization expenses covered
7. No cap on expenses like operation theater, doctor/surgeon fees, allied charges, etc.
8. Policies of Rs.5 lakh onwards carry no room rent upper limit

Exclusions

Within 30 days of policy commencement, any / undergoing of surgery / diagnosis of diseases, occurrence of event, whose symptoms first occur Pre-existing injuries or ailments diagnosed within 4 years of issuance of first policy Drug or alcohol use/misuse/abuse rehab therapy Treatment of AIDS and HIV Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences Self-inflicted injuries Hospitalization due to war, riot, strike, nuclear weapons External congenital diseases Contact lenses or spectacles