Care No Claim Bonus Health insurance

Care health insurance - review

• Care insurance features

  Auto Recharge of your Sum Insured
  If due to claims made, you exhaust your health cover, we recharge the entire sum insured of your policy, in the policy year. All this at no extra cost!
  
  Avail Health Check-ups, every year
  Our concern is your good health. To pre-empt your ever having to visit a hospital, you can avail our comprehensive health check-ups for yourself and adult members of your family covered by the policy, every year even if there is a claim.
  
  Day Care Treatment
  Covers more than 540 day care treatments
  
  Pre & Post hospitalization
  Coverage for medical expenses incurred by you even before admitting to hospital for 30 days. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalization also for 60days.
  
  Daily Allowance
  This will help you take care of the incidental non-medical expenses (attendant meals, transportation etc.) incurred during hospital stay.
  
  Get No-Claim Bonus
  If you do not have any occasion to claim in your health insurance policy in a particular year, get 10% increase in your sum insured up to 50% of your sum insured! It’s just our way to tell you that we’re there with you in good times and in bad.
  
  Other great benefits you also get are-
  There's still lot more we have for you!
  All our policies are eligible for claiming deduction for Tax Benefit under section 80D, Floater Cover, Ambulance expenses covered, Organ donor medical expenses covered, Domiciliary hospitalization covered 7.5% Discount on 2 year policy terms, online instant health insurance buy and more.

• Care insurance highlights

  In-patient Care
  Covers hospitalization expenses incurred as an in-patient in a Hospital which will include Room, Boarding and O.T charges. Fees of Surgeon, Anesthetist, Nurses, Specialists etc.
  
  Day Care Treatment
  Due to advancement of technology, hospitalisation expenses for certain treatments / diseases like Cataract, Eye Surgery, Dialysis etc are also covered, even though the hospitalisation is for less than 24 hours.
  
  In-patient Treatment
  Medical Treatment for a period exceeding three days, which in the normal course, would require hospitalisation, but treatment is actually taken at home, under circumstances like condition of the patient does not permit him/her to be removed to Hospital or patient cannot be admitted to Hospital for lack of accommodation therein.
  
  Pre and Post Hospitalisation
  Policy also covers relevant medical expenses incurred during a specified period, before & after hospitalisation.
  
  Organ Donor
  Covers hospitalisation expenses towards donor in case of major organ transplant.
  
  Ambulance cover
  Reimbursement of Expenses incurred for necessary transportation of the insured to the Hospital in an ambulance for hospital admission and requiring immediate treatment.
  
  Tax Benefit
  Premium paid for Policy is eligible for tax deduction under section 80 D of the Income Tax Act.
  
  Lifelong Renewability
  We will be there for your whole life. The Policy can be renewed lifelong under the then prevailing Health Insurance Product or its nearest substitute approved by IRDAI.
  
  Second Option
  If you are suffering from a serious illness or wish to get a second opinion of an expert/doctor, the insurance company will arrange one for you with free of cost.

• Care insurance benefit table

  	4 lacs	5, 7, 10 lacs	15, 20, 25, 30, 40 lacs	50, 60, 70, 75 lacs	1, 2, 3, 6 crores
  In-Patient Hospitalization	Up to Sum Insured	Up to Sum Insured	Up to Sum Insured	Up to Sum Insured	Up to Sum Insured
  Pre-hospitalization	30 Days	30 Days	30 Days	Up to SI,30 Days	Up to SI,30 Days
  Post-hospitalization	60 Days	60 Days	60 Days	Up to SI,60 Days	Up to SI,60 Days
  Day Care	Yes	Yes	Yes	Yes	Upto SI
  Room Rent	1% of SI per day	Single Private Room	Single Private Room (upgradable to next level)	Single Private Room (upgradable to next level)	Single Private Room (upgradable to next level)
  ICU Charges	2% of SI per day	No Sub-Limit	No Limit	No Limit	---
  Ambulance Cover	Rs.1,500/ Hospitalization	Rs.2,000/ Hospitalization	Rs.2,500/ Hospitalization	Rs.3,000/ Hospitalization	Rs.3,000/ Hospitalization
  Domiciliary Hospitalization	Upto 10% of SI	Upto 10% of SI	Upto 10% of SI	Upto 10% of SI	Upto 10% of SI
  Health Check-up	Yes	Yes	Yes	Yes	Yes
  Automatic Recharge of Sum Insured	Yes	Yes	Yes	Yes	Yes, Up to SI (Once in a Policy Year)
  No Claim Bonus	Yes	Yes	Yes	Yes	Yes
  Organ Donor Cover	Rs.50,000	Rs.100,000	Rs.200,000	Rs.300,000	Rs.500,000
  Second Opinion	Yes	Yes	Yes	Yes	Yes

• Care insurance exclusion

  • Any pre-existing ailment/injury that was diagnosed/received within 48 months prior to issuance of the first policy.
  • Any diseases contracted during first 30 days of the policy start date except those arising out of accidents.
  • Non-allopathic treatment.
  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
  • Cost of spectacles/contact lenses, dental treatment
  • Medical expenses incurred for treatment of AIDS
  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
  • Congenital disease
  • Tests and treatment relating to infertility and in vitro fertilization.
  • Treatments such as non-infective arthritis, joint replacement etc., which are covered only after completion of 2 consecutive policy years.