Care Health Insurance: Everything You Need to Know

Health insurance is one of the most important investments you can make for yourself and your family. It provides financial protection against medical expenses in case of illness, injury, or disability. However, choosing the right health insurance plan can be overwhelming, especially with so many options available in the market. One of the popular health insurance plans in India is Care Health Insurance. In this article, we will explore what Care Health Insurance is and everything you need to know before choosing this plan.

What is Care Health Insurance?

Care Health Insurance (formerly known as Religare Health Insurance) is a standalone health insurance company that offers a wide range of health insurance plans to individuals and families. It is one of the leading health insurance providers in India and is known for its comprehensive health insurance coverage and hassle-free claim settlement process.

With Care Health Insurance, you can avail cashless hospitalization at more than 11,000 network hospitals across the country. The company offers a range of health insurance plans to suit different needs and budgets, including individual health insurance, family floater health insurance, and group health insurance.

Benefits of Care Health Insurance

Some of the key benefits of Care Health Insurance are:

Care Health Insurance Plans

Care Health Insurance offers a range of health insurance plans to suit different needs and budgets. Some of the popular plans are:

1. Care

Care is a comprehensive health insurance plan that offers coverage for hospitalization expenses, pre and post-hospitalization expenses, daycare procedures, and ambulance charges. It also provides coverage for alternative treatments like Ayurveda, Homeopathy, and Unani. The plan comes in three variants, namely Care 3, Care 4, and Care 5, with a sum insured ranging from Rs. 3 lakhs to Rs. 6 crores.

2. Care Freedom

Care Freedom is a top-up health insurance plan that provides additional coverage over and above your existing health insurance plan. It offers coverage for hospitalization expenses, pre and post-hospitalization expenses, daycare procedures, and ambulance charges. The plan comes in two variants, namely Care Freedom 1 and Care Freedom 2, with a sum insured ranging from Rs. 10 lakhs to Rs. 2 crores.

3. Care Advantage

Care Advantage is a critical illness insurance plan that provides coverage against 32 critical illnesses. It offers a lump-sum benefit on the diagnosis of a critical illness, which can be used to pay for medical expenses, loss of income, and other expenses. The plan comes in two variants, namely Care Advantage and Care Advantage Plus, with a sum insured ranging from Rs. 10 lakhs to Rs. 1 crore.

FAQs

1. What is the entry age for Care Health Insurance?

The minimum entry age for Care health insurance is 91 days, and the maximum entry age is 65 years.

2. What is the policy term for Care Health Insurance?

The policy term for Care Health Insurance ranges from 1 year to 3 years.

3. Can I avail of cashless hospitalization at non-network hospitals?

No, you cannot avail of cashless hospitalization at non-network hospitals. However, you can claim reimbursement for the medical expenses incurred at non-network hospitals.

4. What is the waiting period for pre-existing illnesses?

The waiting period for pre-existing illnesses is 48 months from the date of the first policy issuance.

5. How can I renew my Care Health Insurance policy?

You can renew your Care Health Insurance policy online or offline by paying the premium before the due date.

Conclusion

Care Health Insurance is a comprehensive health insurance plan that offers extensive coverage for medical expenses. It provides cashless hospitalization at more than 11,000 network hospitals across the country and offers a range of health insurance plans to suit different needs and budgets. However, it is important to read the terms and conditions carefully before choosing a plan and to understand the coverage and exclusions. With the right health insurance plan, you can protect yourself and your family against unforeseen medical expenses and secure your financial future.