Care Plus - The Complete Health insurance plan

Care Plus - The Complete Health insurance plan overview

• Features of Care Plus- The Complete Health insurance plan

  It offers a whole lot when it comes to coverage for individuals. You can rest assured that it is a comprehensive health insurance policy with the below prominent features:
  
  • Available on an individual and family floater basis.
  • Wide range of sum insured ranges from Rs 3 lakhs to Rs 25 lakhs.
  • 10% Renewal Discount is available after 40 years of age. It is available for the customers entering at age < 36 years.
  • No claim bonus protect for every claim-free year . 50% increase in SI per for every claim-free year; maximum up to 200% SI.
  • No reduction in NCB in the subsequent year if total claim amount <25% of base SI in a policy year.
  • Inflation shield makes your policy SI inflation proof.
  • Protection against personal accident coverage up to SI for the primary insured member.
  • Coverage for OPD expenses that reduce the extra financial burden.
  • New aged benefits include unlimited e-consultation with General Physicians and Earn & Burn Reward Program to utilize your rewards point.
  • Access to health portal offers doctor on chat, healthy tips reminder, and Digi locker for medical records.
  • Cashless hospitalization facility in 8350+ network hospitals.
  • Annual health checkup for all the insured members once in a policy year.
  • Alternative treatments cover including AYUSH for a speedy recovery.

• Care Plus benefits – Complete Health insurance plan

  Care Plus- The Complete Health insurance Plan wrapped up with its below distinct benefits:

  • Offers extensive coverage to you and your family during a medical emergency
  • Coverage for 6 family members is available under a single policy
  • Completion of the long waiting period early without any health concerns in case of pre-existing diseases
  • Cashless treatment facility in leading network hospitals across India
  • Quick and hassle-free claim settlement
  • Optional benefits to enhance the policy coverage
  • New-age benefits help to keep track of your health
  • Get unlimited recharge even for related illness
  • Provide inflation-proof coverage every year as per CPI inflation. Whereas, the SI always keeps pace with CPI Inflation
  • Avail tax benefits under section 80D of the Income Tax Act and save your health and wealth both

• Eligibility criteria of Care Plus-The Complete Health insurance plan

  This plan is a perfect blend of health insurance and care. Below is its eligibility criteria:

  Age of Proposer	18 years or above
  Entry Age – Minimum	Individual: 5 years (Benefit: Earn & Burn shall be available for a member of 18 years or above) Floater: 91 Days with at least 1 member of Age 18 years or above
  Entry Age – Maximum	Adult: 36 Years Child: 24 Years
  Exit Age	Adult: Lifelong Child: 25 Years
  Cover Type	Individual: Maximum up to 6 Persons Floater: 1A1C / 1A2C / 1A3C / 1A4C / 2A / 2A1C / 2A2C / 2A3C / 2A4C
  Tenure Options	1 Year
  Premium Payment Term	Single
  Who are covered (Relationship with respect to the proposer)	Self, Legally Married Spouse, Son, Daughter

• Coverage table of Care Plus – Complete Health insurance plan

  The coverages under this plan are as per the table below:

  Coverage Table
  Sum Insured in ₹ INR	3 Lacs	5 / 7 Lacs	10 / 25 Lacs
  In-Patient Hospitalization	Upto SI	Upto SI	Upto SI
  Day Care Treatments	Upto SI	Upto SI	Upto SI
  Advance Technology Methods	Upto SI	Upto SI	Upto SI
  Out-patient Consultations	×	Up to Rs.1,500 Limit per consultation is Rs.350/-	Up to Rs.2,500 Limit per consultation is Rs.350/-
  Out-patient Dental and Ophthalmic Treatments	×	Up to Rs.1,500	Up to Rs.2,500
  Annual Health Check-up	√	√	√
  Unlimited Automatic Recharge	Upto SI	Upto SI	Upto SI
  No Claim Bonus Protect	√	√	√
  Personal Accident Cover (AD & PTD)	Accidental Death – 100% of SI Permanent Total Disablement – up to 100% of SI	Accidental Death – 100% of SI Permanent Total Disablement – up to 100% of SI	Accidental Death – 100% of SI Permanent Total Disablement – up to 100% of SI
  Inflation Shield	√	√	√
  Unlimited E-Consultation	√	√	√
  Earn and Burn	√	√	√
  Ambulance Cover	Upto ₹ 2,000 per hospitalization	Upto ₹ 2,000 per hospitalization	Upto ₹ 2,000 per hospitalization
  Organ Donor Cover	Upto SI	Upto SI	Upto SI
  Second Opinion	Once in a policy year (per member)	Once in a policy year (per member)	Once in a policy year (per member)
  AYUSH Treatments	10% of SI	10% of SI	10% of SI
  Air Ambulance Cover	Up to SI or maximum of 5 Lacs per policy year, whichever is lower	Up to SI or maximum of 5 Lacs per policy year, whichever is lower	Up to SI or maximum of 5 Lacs per policy year, whichever is lower
  Health Services	Health Portal - Doctor on chat, Healthy tips reminder, Digital locker for medical records, etc. Discount Connect – Discounts on services at our network	Health Portal - Doctor on chat, Healthy tips reminder, Digital locker for medical records, etc. Discount Connect – Discounts on services at our network	Health Portal - Doctor on chat, Healthy tips reminder, Digital locker for medical records, etc. Discount Connect – Discounts on services at our network
  Pre-hospitalization	60 days	60 days	60 days
  Post-hospitalization	90 days	90 days	90 days
  Domiciliary Hospitalization	Upto SI	Upto SI	Upto SI

• Benefit description - Care Plus- The Complete Health insurance plan

  It is a health insurance with no upper age limit is beneficial. Let's take a look at what all it includes:

  • Digital Discount- Our digital presence helps you to avail special 5% discount if you buy this health insurance online through our portal. It reduces your premium, which gives ease to your pocket.
  • In-Patient Hospitalization- We cover your in-patient hospitalization, which is for at least 24 hours. The policy coverage includes doctor's fees, ICU charges, OT charges, room charges, nursing expenses, etc., to ensure stress-free treatment.
  • Pre and Post Hospitalization Expenses- At times, investigation tests, consultation fees, and medication cost you extra that can drain your savings. Under this plan, you will get coverage for the medical expenses incurred 60 days before hospitalization and 90 days after discharge from the hospital.
  • Ambulance Cover- During an emergency, we cover your ambulance expenses up to Rs.2,000 per hospitalization so that these additional expenses won't create an extra financial burden.
  • Air Ambulance Cover- If you need to shift to another hospital within India as per the doctor's advice, we cover your expenses for air ambulance up to SI or a maximum of 5 Lacs per policy year, whichever is lower.
  • Day Care Treatments- Under a health insurance policy with no upper age limit, we cover several day care treatments that do not require hospitalization for 24 hours.
  • Advance Technology Methods- Robotic surgery, balloon sinuplasty, brain simulation, and more are the advanced technology methods with minimally invasive surgeries and fewer side effects. We covered them too under the policy.
  • Organ Donor Cover- Organ donation is a noble cause. We cover medical expenses up to SI incurred by you towards your organ donor while undergoing organ transplant surgery.
  • Domiciliary Hospitalization- If your medical conditions do not allow you to visit the hospital, or if no beds are available in your vicinity, you can go for domiciliary hospitalization as per the doctor's advice. We cover its expenses up to SI.
  • Second Opinion- If you want reassurance about your treatment or diagnosis, we arrange a second opinion for you within India from good doctors, which will not impact your sum insured.
  • Annual Health Checkup- Now, you can keep track of your health with an annual health checkup available under the policy coverage once in a policy year. This benefit is available for all the insured members.
  • Unlimited Automatic Recharge- Automatic recharge is available up to SI at unlimited times. Moreover, it is applicable for related illnesses.
  • Alternative Treatments- If you prefer the combination of conventional and contemporary treatments, you can go for AYUSH (Ayurveda, Unani, Sidha, and Homeopathy). These alternative therapies quicken the process of your recovery.
  • No Claim Bonus- We reward you with no claim bonus for your good health. You can avail of a no claim bonus for every claim-free year, a maximum of up to 200% SI. Moreover, you will get inflation-proof coverage with no reduction in NCB in the subsequent year if the total claim amount < 25%.
  • OPD Coverage- OPD expenses such as diagnosis, consultation, etc., also create a financial burden. But, do not worry! Care Plus- The Complete Health insurance Plan covers out-patient consultations/ out-patient dental and ophthalmic treatments, which is a big sigh of relief.
  • Personal Accident Cover(AD & PTD)- You cannot predict the uncertainties of life. However, you can stay insured and protected. This plan covers permanent total disablement and accidental death, up to 100% of SI.
  • Inflation Shield- As medical inflation is rising in India, healthcare costs are getting unaffordable for many. Under this inflation shield, the base policy SI will be increased on a cumulative basis at each renewal based on the inflation rate in the previous year.
  • Unlimited E-Consultation- Now get unlimited e-consultation with General Physicians under this policy. It is bliss during a pandemic. You do not need to go to the hospital or clinic to visit a doctor for consultation.
  • Earn and Burn- Earn and Burn is one of the new-age benefits offered by Care Plus- The Complete Health insurance Plan. It is a wellness program that allows you to utilize rewards points for up to a 10% discount on renewal premium or payment of deductibles at the time of claim.
  • Health Services- Health portal and discount connect are the two prominent health services available under this plan. The health portal gives you access to chat with the doctor, get healthy tips reminders, and has a digital locker for medical records. Under discount connect you can avail of discounts on services at our network.

• Exclusions under this plan:

  Some of the key exclusions include:

  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide).
  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences.
  • Internal congenital disease
  • Tests and treatment relating to infertility and in vitro fertilization.
  • War, riot, strike, nuclear weapons induced hospitalization.

  For complete list of exclusions please refer to policy Terms and Conditions…