Minimum entry age | Individual - Adult : 18 years and above, children : 5 years to 24 years Floater - Adult : 18 years and above, children : 1 day to 24 years with at least 1 member of age 18 years or above |
Maximum age | No age bar |
Renewal lifelong renewabilty | The policy can be renewed under the then preveling Health Insurance Product or its nearest substitute approved by IRDAI. |
Renewal premium | Premium payable on renewal and on subsequent continuation of cover arc subject to change with prior approval from IRDAI. |
Co-payment (Sum Insured 5 lakhs & above) | If you enroll at the age of 61 years or more, you will have to pay 20% of the claim amount under the policy. We pay the rest. |
Waiting period | 30 days for any illness except injury |
Waiting period (Named ailments) | Two years of continuous coverage |
Waiting period for pre-existing illnesses | Four years of continuous coverage |
Change in sum insured | You can enhance your sum insured under the policy only upon renewal |
Grace period | 30 days from the date of expiry to renew the policy |
Underwriting loadings | Based on the assessment of the extra risk on account of medical conditions by the underwriter, the premium shall be loaded accordingly (15%, 30% or 50%) |
Group discount | 5 to 20%, depending upon the group size. |
Complete care | After 4 years of continuous coverage, you have an option to convert your deductible plan to Comprehensive Health Insurance Plan (without any deductible) |
Plan Options | ||||||||||||||||||
Features/plan (Sum Insured) | Enhance 1 | Enhance 2 | ||||||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Sum Insured | Rs.1 lakh to Rs.25 lakhs (As multiple of 1,2,3,4 or 5 time of deductible) Rs.6 lakhs to Rs.30 lakhs (As multiple of 1,2 or 3 time of deductible) |
Rs.30 lakhs, Rs.35 lakhs, Rs.40 lakhs, Rs.45 lakhs, Rs.50 lakhs, and Rs.55 lakhs | ||||||||||||||||
Deductible(or existing Policy Sum Insured) |
|
|
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In patient Care | Up to Sum Insured | Up to Sum Insured | ||||||||||||||||
Pre Hospitalization | Up to 30 Days | Up to 30 Days | ||||||||||||||||
Post Hospitalization | Up to 60 Days | Up to 60 Days | ||||||||||||||||
Day Care Treatment | Yes | Yes | ||||||||||||||||
Room Rent Category | Single Private Room with A.C | Single Private Room with A.C., upgradable to next level | ||||||||||||||||
ICU charges, Doctor's fee etc. | No Limit | No Limit | ||||||||||||||||
Health check-up | Yes | Yes | ||||||||||||||||
Organ Donor Cover | Yes | Yes | ||||||||||||||||
Expert Option | Yes | Yes | ||||||||||||||||
Enhance Anywhere | No | Yes |
Under their most comprehensive “Care Plan”, the sum insured options range from ₹4 lacs to ₹600 lacs (6 crs)
Care has an extensive network of 7400+ network hospitals across India and this number has been growing steadily over the years. Hence it is important while seeking treatment following a sickness or an accident to ideally get admitted to a network hospital. One can get the hospital closest to them by going through the Care network hospital list available on Care health insurance.
Yes, Care Health offers Cashless treatment for inpatient hospitalisation of the insured. The important criteria to avail of the cashless facility is to seek admission into one of Care’s network hospitals across the country. Subject to the claim being admissible under the policy, Care will offer cashless settlement upto the policy limits of the insured’s policy.
Review Care health insurance - Enhance policy wordings which explains the terms and conditions.
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