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Care Care Health Insurance Plan: Brief Overview

Care health Insurance offers specialized health insurance policies to individual customers as well as corporate employees. Its ‘customer-centric’ philosophy provides innovative and value-for-money health insurance policies. Recently at the FICCI healthcare Awards, CHI was felicitated with the “Best Medical Insurance Product Award”.

Here, we are going to discuss all the “Care Care Health Insurance Policy”. So if you are planning to invest in a policy that would provide a medical cover for yourself and your family, read on. 

Best Features of Care Care Plan

Before we discuss the details of the plan, let us take a quick look at the highlights of the plan that make it a popular choice:

  • An extensive range of sum insured alternatives is available
  • Certain specified treatments can be availed abroad as well
  • Non-allopathic treatments like Homeopathy, Unani & Sidha, Ayurveda are also covered under the policy, up to specified limits
  • More than 540 day-care treatments 
  • An in-built maternity cover with a sum insured of 1 lakh, with plans with a sum insured of INR 50 lakhs, 60 lakhs and 70 lakhs
  • Under Unlimited Automatic Recharge, if your sum insured is exhausted, you have the option of it recharging automatically
  • Availability of personal accident cover
  • No maximum age of entry
  • 5 claim-free years can get you up to 150% raise in sum insured with the No Claim Bonus SUPER option

Benefits of Care Care Plan

Care Care Plan comes with a lot of benefits such as:

  1. High Sum Insured
    With the growth in medical inflation, it only seems prudent to invest in a health insurance policy that comes with a big sum insured. Under this plan a high sum assured is offered, that can go up to INR 6 Crore. It can prove to be very beneficial especially in case of a serious terminal illness.
     
  2. Cashless Hospitalisation
    With over 11,000 network hospitals, the facility of cashless hospitalisation is a boon for all policyholders. It makes the entire process of hospitalisation easy and stress-free. 
     
  3. Extensive Cover at Affordable Price
    The premium that is paid once annually and when you buy the family floater option it covers the medical treatment cost of all the family members, making this policy a very affordable one.
     
  4. Flexibility
    The Care Care health insurance plan offers you a lot of flexible alternatives. Rather than buying another plan, you can add more members to the policy, increase the amount of sum insured etc. 
     
  5. Tax Benefits
    Under Section 80D of the Income Tax Act, you can enjoy a tax deduction on the premium that you pay towards the insurance.
     
  6. 30-day Pre-Hospitalisation
    Sometimes, much before an actual hospitalisation, there are expenses that can themselves be as high as the treatment bill. Care Care health insurance would cover the medical expenses that are incurred 30 days before hospitalisation.
     
  7. 60-day Post-Hospitalisation
    Just like prior to hospitalisation, the expenses would not finish the day you are discharged. You would still require follow-up visits, medicines and investigative tests, and for this, the company will cover all such expenses till a period of 60 days.
     
  8. Domiciliary Hospitalisation
    Reimbursement of the expenses that are sustained for a medical treatment at home in India that exceed for 3 or more consecutive days, will be done. 
     
  9. Anywhere Care
    Under the Care Care Plan, if you undergo one of the listed treatments in a foreign country, you can make a claim for it.
     
  10. Choice of Treatment
    Not just allopathic, but Care Care health insurance even covers alternative treatments like Unani, Homeopathy, Ayurveda and Sidha for a pre-specified period, that depends on the kind of plan you choose. 
     
  11. Annual Check-Ups
    Irrespective of the age, an annual check-up of the policyholder and all the insured members are covered under the Care Care health insurance.
     
  12. Recharge of Sum Assured
    If and when you exhaust the health cover, the entire sum insured is reinstated once so that you can use it in the coming years. You also have the option of Unlimited Automatic Recharge which will give you the benefit of unlimited recharges.
     
  13. Add-Ons
    The plan also brings a lot of add-on options such as
    • International Second opinion
    • Everyday Care
    • Global Coverage
    • Daily Allowance
    • No Claim Bonus
    • Smart Glumeter Kit
    • Air Ambulance Cover
    • Reduction on PED Wait Period
    • OPD Care
    • Unlimited Automatic Recharge

What is Covered in a Care Care Plan?

The cover details of Care Care Plan are given below: columns 

Coverage Benefits

INR 4 Lakhs 

INR 5, 7, 10 Lakhs 

INR 15, 20, 25, 30, 40  Lakhs  

INR 50, 60, 70, 75 Lakhs

INR 1, 2, 3, 6 Crore

In-Patient Hospitalisation

Up to SI

Up to SI

Up to SI

Up to SI

Up to SI

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 Treatment

Available 

Available 

Available 

Available 

Up to SI

Organ Donor Cover

INR 50,000

INR 1,00,000

INR 2,00,000

INR 3,00,000

INR 5,00,000 

Second Opinion 

Available 

Available 

Available 

Available 

Available 

Domiciliary Hospitalisation

10% of SI covered 

10% of SI covered 

10% of SI covered 

10% of SI covered 

10% of SI covered 

Health Check-ups

Available 

Available 

Available 

Available 

Available 

No Claim Bonus

Available

Available

Available

Available

Available

Ambulance Cover

Up to INR 1,500 per hospitalisation

Up to INR 2,000 per hospitalisation

Up to INR 2,500 per hospitalisation

Up to INR 3,000 per hospitalisation

Up to INR 3,500 per hospitalisation

ICU Charges

2% of SI per day

No Sub-Limit

No Limit

No Limit

-

Room Rent 

1% of SI per day

Private Room-Single

Private Room-Single (Upgradable)

Private Room-Single (Upgradable)

Private Room-Single (Upgradable)

What is Not Covered in a Care Care Plan?

There are certain features or services that are not covered within an insurance plan, these are called exclusions. Let us take a look at the exclusions in the Care Care health insurance plan:

  • Pre-existing diseases or injuries that were diagnosed or acquired within 48 months before the issuance of the first policy
  • Disease contracted during the initial 30 days of the beginning date of the policy, except when arising out of an accident
  • Self-inflicted injury
  • Treatment that is required because of alcohol/ drug use or misuse
  • Expenses on spectacles and contact lenses
  • External hereditary diseases
  • Tests and treatment relating to infertility and in vitro fertilization
  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences

Care Care Plan Eligibility

Entry Age - Minimum
  • Age of 91 days
Entry Age - Maximum
  • No limit for enrollment

Care Care Plan Details

Some important details of the plan are given below:

Cover Type Floater/ Individual
Lifelong RenewabilityAvailable 
Co-payment

When buying, if the eldest insured member is

  • Below 60 years, no co-payment is applicable
  • 61 years and over, 20% of the claim amount has to be borne by the policyholder 
Initial Waiting Period 30 days from all diseases, except an injury
Grace Period30 days from the date of expiry

Renew Care Care Health Plan 

The health insurance can be renewed on mutual consent. At the end of the tenure, the policy expires automatically. However, if you want to continue there is a provision of a grace period, which starts from the date of expiry till a period of 30 days.  If you wish to renew the policy, you must do it within the grace period. A claim cannot be made during this break-in period. Care Care health insurance plan comes with the option of lifelong renewability. 

You can get in touch with the company and renew the policy by paying for the next tenure. There is a possibility that the premium at the time of renewal may be a little higher than the previous tenure.

Except on grounds of fraud or non-co-operation by the policyholder, the company generally does not refuse a renewal of the policy. 

Care Care Plan Claim Process

A claim refers to the demand that is made in accordance with the contract of the policy for a payment release of the specified benefits for the person who has been insured. The company promises that its health insurance claim procedure is enduringly simple. And if you follow all the guidelines given by the company carefully, making a claim will not be a problem. 

The company states clearly that if and when an illness is diagnosed or an injury is suffered or any other contingency for which a claim is required, the company should be notified as soon as possible, particularly within 48 hours from the occurrence. The company may be notified through a phone call at the customer care centre or through an email.  

The claim can be asked in two ways:

  1. Cashless Claim
    Care Health Insurance extends the cashless facility to settle the medical expenses that have been made by the insured. When you go to a network hospital for your treatment, you simply need to present your CHI Health Card along with simple documentation. There are over 11,000 major hospitals all across India that have a tie-up with CHI. 
    Network Hospitals - A hospital or a healthcare provider, that is enlisted either by Care Health Insurance or by a TPA and the company together, to give medical services to an insured member are called network hospitals. It is important as well as prudent to have a clear idea about the network hospitals, especially the one in close proximity to your residence so that in case of an emergency or any other hospitalisation, it is convenient for you and your family members to visit the hospital.
     
  2. Reimbursement
    If in case of an emergency you could not visit a network hospital and had to go to a non-network hospital or healthcare centre, you must make sure that you inform the insurance company about the same at the earliest. You can call the company and submit the required documents and they will assist you in getting the reimbursement.

A list of documents that are required for making the claim is given below:

  • Valid Photo Identification document of the insured member who has been hospitalised
  • Duly filled and signed Claim Form
  • Copy of policy document/policy number
  • All treatment-related bills and receipts
  • Pathological and Diagnostic Test Reports
  • Doctor’s referral letter that advises hospitalisation
  • Doctor’s prescription of all tests, medicines and consultations
  • Receipt of Ambulance, if used
  • In case of an accidental injury a Medico-Legal Certificate or copy of FIR 

Care Health Insurance Customer Care Number

Getting in touch with the company is easy, you may use any of the following ways:

Website www.careinsurance.com 
Email addresscustomerfirst@careinsurance.com 
Email address for Claimsclaims@religare.com 
Email address for Policy Servicing customerfirst@religarehealthinsurance.com 
Contact Number1800-102-4488
1800-102-6655 
Fax Number1800-200-6677 
Registered Office 5th Floor, 19 Chawla House, Nehru Place, New Delhi-11001
Correspondence Office Unit no 604 - 607, 6th Floor, Tower C, Unitech Cyber Park, Sector 39, Gurugram -122001 (Haryana)

Care Care Plan Review

For every individual who is earning and has a family, health insurance is a must, after all a medical emergency can hit anyone and anytime. Care Care plan is a quite comprehensive health insurance plan that covers injuries as well as illnesses. A sedentary lifestyle has increased disorders like cancer, heart problems, asthma etc. and because the Care Care plan comes with regular health check-ups,  a timely diagnosis can go a long way in treating any terminal disease in initial stages. 

Though it is recommended that a health insurance plan must be bought early in life, no upper age limit for entry into this plan makes it a popular one. Another big benefit of this plan is that it covers much more than hospitalization. Pre and post hospitalization expenses can often make a big dent in your savings, but when you buy a plan like this, it means good financial planning.

Depending on the cover you select, Care Care plan can offer various services ambulance cover, domiciliary hospitalization, organ donation cover, unlimited automatic recharges etc. which make it a strong contender among other health insurance policies.

FAQs - Care Care Health Insurance
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