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Care Group health insurance plan

Care Group health insurance

Why buy Care health insurance?

Care Health Insurance offers medical coverage inclusions that are customized to suit the individual needs of any organisation or group.

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Care health insurance highlights

Covers more than 540 Day Care treatments
Inbuilt Maternity coverage of upto ₹ 1 lac under specific plans
Life Time Renewal of all policies + No Upper Entry Age limit for all plans
Avail treatment anywhere in the world for 12 defined major illnesses under "Care Anywhere" on Cashless basis
Additional Features like Tax Benefit under section 80D , Auto Recharge of Policy Sum Insured, as well as an option to avail Personal Accident Cover
Covers Non Allopathic treatment like Ayurveda, Homeopathy, Unani & Sidha (AYUSH)
Coverage for Modern Treatments like Robotic Surgery, HIV/AID
Up to 150% increase in Sum Insured With No Claim Bonus with NCB Super in 5 consecutive claim free years
Cashless & Hassle-free direct claim settlement with us at 7400+ Hospitals

Care Health Insurance Review

Sum Insured
4 lacs - 600 lacs

Claims Incurred Ratio *
59.00%

Tenure Options
1, 2, 3 years

Claims Settlement Ratio **
86.63%

List of Network Hospitals
19,000+ hospitals

Number of Policies issued *
1,178,380

Maximum Family Floater Coverage
Self, Spouse + dependent children + dependent parents

Number of Lives Covered *
7,342,207

* As per IRDAI report for 2020-21 | ** As per NL25 data published on the Insurance Company website

Care health insurance benefits

Optional extensions
Holistic (Comprehensive) cover
Care Group Care plan

Care Group health insurance – Optional extensions

Care Group Care plan offers various optional extensions, some of which are listed below

Pre – Post Hospitalization
Domestic Road Ambulance
Maternity
Donor Expense
Second Opinion , OPD, Dental care
Domiciliary Treatment
Alternate Methods of treatment
Corporate Floater
Floater and sub floater
Premium Instalment facility
Modification of wait period
Co-payment and deductible
HIV Cover
Cover Extension outside India

Care Group policy health insurance – Holistic (Comprehensive) Cover

In-patient Cover
Day Care Surgeries

Care Group health insurance – Care Group Care plan

Flexible and comprehensive
Care Health offers in-house claims management services
Client focus being our core philosophy, Care Health partners with preferred TPAs as well.

Care health insurance FAQ's

What is the need to buy a Care Health insurance policy?

Some of the key reasons for investing in a Care Health insurance policy are:

Increase in the incidence of lifestyle-related illnesses - Sedentary lifestyle, unhealthy eating habits, increasing pollution and high stress levels are the growing norm day by day giving rise to chronic diseases like cancer, lung conditions and stroke, claiming younger lives.
Increase in Treatment expenses - With the healthcare industry in India witnessing double-digit inflation, it is getting extremely expensive to treat ailments in India both for regular medical as well as specialised medical conditions.
Group health cover may not be sufficient - Group employer plans, rarely have sufficient coverage to meet medical expenses incurred in many cases. In the event of switching jobs or remain unemployed, an individual an remain exposed to financial risks from medical exigencies.
Health insurance coverage is more than just hospitalization - Many health insurance plans nowadays give coverage for day care procedures and OPD, cover for pre and post-hospitalisation, as well as doctor consultations, tests and medicines which are incurred during this period. There are also health plans that cover vector-borne diseases like dengue. Domiciliary treatments, Ayurveda, Unani, Siddha and Homeopathy (AYUSH) are also covered by the best health insurance plans in India.
Credit Shield - Not everyone retains a high bank balance or cash at home for facing unforeseen medical emergencies. Hence having Health insurance helps one protect themselves from having to pay for treatment arising out of a sickness/accident and allows the health insurance policy to take over especially since the Care plans also offer Cashless facilities.

What is co-payment in Care health insurance plan?

The Co-payment under the Care plan is as follows:

During purchase of the first policy, if eldest member insured is
- Below 61 years, no co-payment is applicable.
- 61 years or above, 20% of the claim amount under the policy has to be borne by the insured

What are the benefits of buying Care health insurance at an early age?

Health insurance is also an investment best made the individual is young and healthy. The key reasons why one should purchase a Care Health policy at a young age is :

Lower premium – Premiums are much lower when at a younger age.
Waiting Periods – Care health insurance plans come with waiting periods of 30 days to 48 months – better to serve the waiting period when younger
Rise of lifestyle diseases among the youth- Increasing sedentary lifestyles among the younger generation, many of them are getting predispositioned to lifestyle illnesses like obesity, respiratory and heart diseases.
Employer provided health cover may not be enough
Tax savings

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