A strong focus has traditionally been placed on getting a comprehensive healthcare plan early in life. However, in addition to a sedentary lifestyle, increasing mental stress, and health problems, the covid-19 pandemic has made it essential to get health insurance, regardless of age. Along with preserving your health, purchasing health insurance coverage promptly also aids in better financial planning by reducing your tax liability and assuring that your savings will be unaffected by medical problems.
Care health insurance is one insurer you could wish to take into account when struggling to choose the best plan. Along with a large selection of individual and family-based programs, it also offers tailored senior citizen plans, maternity plans, and particular plans created for those with diabetes, cancer, heart conditions, etc. You can choose Care health insurance plans because of the following reasons.
- Options for purchasing are available both online and through an insurance agent
- Every year, a free health check-up service is available.
- More than 11,000 institutions provide cashless payment options for medical care.
- A cashless claim is processed in approximately two hours.
- Impressive claim settlement ratio of 92.3 per cent
- The claim support team is available 24x7
Read more - Benefits of Health Insurance in India
Popular plans offered by Care Health Insurance
1. Care - Comprehensive Family Health Insurance Plan
It satisfies the medical requirements of an individual and the entire family. It offers coverage for various medical costs and the price of cutting-edge therapies for things like HIV/AIDS, robotic surgery, etc. In addition, a variety of sum insured options is available through this Care health insurance plan, ranging from INR 5 lakh to INR 6 crore.
2. Care Heart
It is a health insurance programme created to provide coverage for persons with heart conditions. There are four alternatives for the sum insured: INR 3 lakh, 5 lakh, 7 lakh, and 10 lakh. Utilising the home care add-on cover will increase the scope of the plan's coverage.
3. Cancer Mediclaim
As the name suggests, it guards against cancer discovered at any stage for the insured.
Radiotherapy, chemotherapy, pre-hospitalisation, OPD visits, in-patient hospitalisation,
alternative treatment, day care treatment, ambulance services, organ donation, and
post-hospitalisation are all covered. Options for the insured sum range from 10 lakh to 2
crore rupees. With an overseas second opinion and air ambulance coverage, policyholders can increase the plan's coverage.
4. Care Freedom
People with diabetes, high blood pressure, and a high body mass index can get Care Freedom as their health insurance. The plan candidates are not required to show up for a pre-policy check-up. Dialysis, ambulance, consumables, in-patient hospital fees, daycare treatment, domiciliary hospital fees, etc., are all covered. Additionally, it includes companion benefits and pays for pre and post-hospitalisation costs.
There are four options for the sum insured with Care Freedom: INR 3 lakh, 5 lakh, 7 lakh, and 10 lakh. In addition, health Check+ and Home Care add-on covers can help improve the plan's coverage further.
5. Care Advantage
It offers a maximum insured sum choice of INR 1 crore. People can purchase Care health insurance online under the plan, which offers enhanced medical coverage of INR 25 lakh, INR 50 lakh, and INR 1 crore. The plan's coverage can be expanded by purchasing add-on covers like Smart Select, Care Shield, Room Rent Modification, and No Claim Bonus Super.
6. Care Senior
It is a personalised healthcare programme created exclusively for seniors over 60. When purchasing the plan, applicants are not required to undergo a pre-policy health examination. Additionally, it can be purchased with an insured sum of INR 3 lakh, INR 5 lakh, INR 7 lakh, or INR 10 lakh. Moreover, with add-on covers like co-payment waiver, Care Shield, reduction in PED, OPD Care, and No-claim Bonus Super, the applicants can also increase the scope of the policy's coverage.
7. Joy
It is a health insurance programme created to pay for pregnant women's medical costs. It also includes the newborn infant cover. This plan covers your medical costs for in-patient hospitalisation, daycare treatment, pre-hospitalisation, emergency room visits, neonatal congenital disabilities, and post-hospitalisation. The Joy plan is offered with an insured amount between INR 3 lakh and INR 5 lakh. No Claim Bonanza cover can help increase the plan's coverage scope. Additionally, this plan can be purchased for either a 9-month or 24-month term.
8. Care Critical Mediclaim
A medical insurance coverage called Critical Mediclaim pays for the costs of treating serious illnesses. A significant organ transplant, end-stage renal failure, cancer, benign brain tumours, paralysis, coma, stroke, multiple sclerosis, end-stage lung disease, and blindness are just a few of the 32 essential conditions this reasonably covers the insured. It also pays for medical costs related to speciality procedures like dialysis, chemotherapy, and radiotherapy. There are five different sums insured under the Critical Mediclaim plan: 10 lakh, 25 lakh, 50 lakh, one crore, and five crores. Additionally, the program offers an optional air ambulance and overseas second opinion protection.
9. Care Corona Kavach Policy
Care Corona Kavach Policy is a health programme created to pay for COVID-19 treatment costs. It is a family- and individual-friendly indemnity-based health plan. It only offers coverage for COVID-19-related expenses like hospitalisation, home care treatment costs, consumables (PPE gear, masks, etc.), road ambulance, AYUSH treatment, and post-hospitalisation expenditures if the insured was COVID-19-positive at a diagnostic facility licenced by the government. The insured amount ranges from 50,000 to 5 lakh rupees. Hospital Daily Cash add-on coverage is included with the plan as well. Additionally, the policy has three tenure options: 3.5, 6.5, and 9.5 months.
10. Care Enhance
Enhance is a top-up health insurance plan that serves as a secondary policy to enhance the protection offered by primary health insurance. Additionally, it includes Enhance Anywhere coverage, which guarantees coverage for medical costs incurred worldwide. No physical examination is necessary. The plan consists of floater coverage with a value insured ranging from INR 1 lakh to INR 10 lakh.
11. Care Plus
Care Plus is a highly adaptable and reasonably priced comprehensive health plan for young people. It is one of the most promising types of health insurance because it protects the insured person from an early age. The insured amount ranges from INR 3 lakh to 25 lakh. Additionally, a 10% renewal discount is available after the age of 40 if the policy was purchased before the age of 36 and has been renewed consistently without a break.
Conclusion
Care health insurance covers a wide gamut of plans catering to the health needs of different people. Though we suggest their name, the ultimate decision is yours to make. So take some time out, weigh in your options and only then choose the right plan.
Read more - 10 Ways You Can Select the Best Health Insurance Plan for Yourself
