The ongoing pandemic proved to be one of the strongest reasons to buy health insurance. The treatment costs of Covid-19 were sky high during the initial days and were enough to eat into your savings as well. Having a robust health plan would ensure that such occurrences do not unsettle your finances and that you receive the best possible treatment.
For the ones who do not already have a health insurance plan, the task of getting one can be overwhelming. Since there are a number of general insurance companies and health insurance companies that offer health plans. If you want to secure the health of your loved ones, you can consider a plan from Care Health Insurance. And here are the reasons why.
Care Health Insurance
Care Health Insurance is one of the most renowned health insurance companies in the country. The brand was earlier known as Religare health insurance, and it caters to health plans for different age groups. Health plans from Care Health Insurance offer coverage for OPD consultations, ambulance charges, expenses related to organ donation, alternative treatment, hospitalisation and so on.
10 Reasons to Buy Care Health Insurance Plans
Here are the prominent reasons why you should consider buying a policy from Care Health Insurance.
1. Varied Sum Insured Options
A wide range of options for sum insured ensures that you can choose a plan and sum insured that meets your requirements. With Care Health Insurance, you can buy a health plan with a sum insured anywhere between INR 3 lakhs and INR 6 crores.
Apart from Arogya Sanjeevani and Care Advantage plans, all other plans offer the option of multiple sums insured. While Arogya Sanjeevani has a fixed sum insured of INR 5 lakhs, Care Advantage comes with a fixed sum insured of INR 1 crore.
2. No Bar on Entry Age
Health insurance plans usually have a cap on the maximum entry age for a policy. However, the health plans from Care Health Insurance do not come with any restrictions on entry age. In other words, almost anyone can buy health plans from an insurer. Thus, you can buy a health insurance plan at 25 years or at 75 years.
3. Myriad of Plans
There are different health insurance plans to cater to different needs. You can buy individual plans, family floater plans, and plans for senior citizens, pregnant women and people with specific diseases.
Individuals and people looking for family floater plans can buy Care Advantage, Care or Arogya Sanjeevani plans. Senior citizens can choose Care Senior Plan, whereas pregnant women can buy the Joy Maternity plan.
Apart from these, there are health plans catering to specific diseases such as diabetes, heart ailments and cancer.
You can protect yourself and your loved ones from critical illnesses with the help of the Critical Mediclaim Plan.
4. No Health Checkup
Most of the health insurance plans provided by Care Health Insurance do not need for you to undergo a health checkup, prior to buying the policy. If you wish to buy or renew Joy or Enhance plans, you might have to go through a health checkup, under specific conditions.
For the Joy plan, applicants above 46 years would need to undergo a health checkup plan. Likewise, people opting for Enhance plan with a sum insured of INR 40 lakhs or above the age of 50 would need to get a health checkup done, before buying the policy.
5. Add-on Covers
Care Health Insurance offers quite a few add-ons that you can choose for your health insurance policy. To buy an add-on, a policyholder must pay an additional premium. However, it enhances policy coverage by a considerable margin.
Some add-ons that you can choose along with your Care Health Insurance plan include no-claim bonus super, unlimited automatic coverage, daily allowance, home care, cover for air ambulance, etc. You can choose an add-on that fits your requirements and budget.
6. Cashless Facilities
One of the major advantages of buying health insurance plans is their cashless benefits. The cashless network hospital of Care allows you to complete a treatment or seek medical attention without having to pay from your pockets. The insurer has over 19,000+ hospitals under its network. Thereby, giving you a lot of options to choose from, as far as treatment is concerned.
7. Renew for Lifetime
All the health plans under Care Health Insurance come with the option of lifetime renewal. This nifty feature ensures that you can continue to renew the policy for as long as you live. It offers peace of mind, over having to research and switch health insurance plans.
8. Claim Assistance
Care Health Insurance provides its customers with a claim assistance service that is efficient and quick. The support staff ensures that you can reach out to Care 24/7 for any issues or claims. Also, Care usually approves cashless claims within just 2 hours. This enables you to claim the policy in a short span and focus on the treatment.
9. Health Checkup
Another perk of choosing Care Health Insurance is the free annual health checkup. The annual health checkup provided by Care does not rely on information such as your claims history, unlike some of the other insurance providers. You need not complete a claim-free year to avail of the benefit. And the facility is available for all insurance policies under the banner of Care Health Insurance.
10, Health Coverage
Health insurance plans by Care offer a wide range of coverage for policyholders. Some of the common coverage offered includes expenses related to organ donation, AYUSH treatment, pre and post-hospitalisation expenses, inpatient treatment, domiciliary treatment, and daycare treatment expenses, among others.
Care Heart and Care Freedom offer coverage for heart ailments and diabetes respectively. Whereas Cancer Mediclaim and Critical Mediclaim policies offer coverage for critical illnesses.
Read more - 10 Reasons Why Should You Buy Health Insurance Early in India
Conclusion
The presence of several insurance providers in the health insurance space can make things a bit overwhelming while choosing a health plan. Should you choose Care Health Insurance, you get to benefit from the above. Also, the policy premiums that you pay are tax deductible under Section 80D. The insurer is one of the most trusted names in the standalone health insurance space. And you can choose any policy from the insurer without any doubts.
Read more - Reasons Why Buying Health Insurance in 2022 is Crucial
