Care Health Insurance
About Care Health Insurance
Care Health Insurance (CHI) is a specialized Health Insurer offering health insurance services to employees of corporates, individual customers and for financial inclusion as well. With CHI’s operating philosophy being based on the principal tenet of ‘consumer-centricity’, the company has consistently invested in the effective application of technology to deliver excellence in customer servicing, product innovation and value-for-money services. Care Health Insurance currently offers products in the retail segment for Health Insurance, Critical Illness, Personal Accident, Top-up Coverage, International Travel Insurance and Maternity along with Group Health Insurance and Group Personal Accident Insurance for corporates.
The organization has been adjudged the ‘Best Health Insurance Company’ at the ABP News-BFSI Awards & ‘Best Claims Service, Leader of the Year Insurance India Summit & Awards. Care Health Insurance has also received the ‘Editor’s Choice Award for Best Product Innovation’ at Finnoviti and was conferred the ‘Best Medical Insurance Product Award’ at The FICCI Healthcare Awards. Best Health Insurance Company – ABP News – BFSI Awards 2015, Best Claims Service Leader of the Year – Insurance India Summit & Awards 2018, Best Product Innovation – Editor’s Choice Award Finnoviti 2013, Best Medical Insurance Product – FICCI Healthcare Awards 2015.
Key Benefits of Care Health Insurance
At CHI, we ensure our valuable customers get access to affordable healthcare from a wide range of hospitals. As the world is going digital, and when you can shop for things at the comfort of your home, you can even buy health insurance online without any hassle. Buying an insurance policy online minimizes paperwork and manual efforts to an extent. The online mode is highly convenient since you get the choice of comparing policies and opting for the most affordable health plan for you and your family. You can buy a policy, pay for the premium, and initiate a claim, all through a few clicks.
The key benefits offered by Care Health Insurance are as follows:
- 1. In-Patient Care
- 2. Pre and Post Medical Hospitalization expenses
- 3. Ambulance Cover
- 4. Annual Health Check-up for all insured members
- 5. Day Care Treatments
- 6. No Claim Bonus
- 7. Tax Benefits u/s 80D
- 8. Cashless treatment in network hospitals
List of Care Health Insurance Plans
Care Health Insurance currently offers products in the retail segment for Health Insurance, Critical Illness, Personal Accident, Top-up Coverage, Maternity, International Travel Insurance, Group Health Insurance and Group Personal Accident Insurance for corporates
Family Health Insurance
Care is a comprehensive and wholesome health insurance plan for families and individuals. We understand that the expenses don’t just start after hospitalization, which is why CARE family health insurance covers all the financial requirements from diagnosis to recovery subject to policy T*C. . We ensure that you are able to focus on your treatment while we handle the financial commitments.
Critical Illness Insurance
Our critical illness insurance offers comprehensive coverage against critical illnesses such as cancer, major heart ailments, organ transplants & even critical surgeries. It is an affordable indemnity based product that comes with lifelong renewability. It means the sum insured is available every year & it also helps one financially in case of a relapse of an ailment.
Maternity Insurance
JOY is our innovative insurance product that addresses all the questions and uncertainties that you may have about this new chapter in your family’s life. It takes care of your maternity and related health insurance needs not just for today, but also for tomorrow. The JOY maternity insurance plan covers hospitalization expenses during pregnancy and also the post-hospitalization phase.
Super Top-up Insurance
Enhance-Super Top-up Health Insurance works on the simple principle of Policy Deductible, which is the predefined amount that you will bear, through your finances or any other insurance, during a medical event. We will bear any amount over and above policy deductible as per policy documents. Put, if you opt for an Rs. 6 lac Sum Insured with deductible of Rs. 2 lac, then 2 lac will be borne by you and 6 lac over and above the deductible of 2 lac will be borne by us during the policy period.
Super Mediclaim Insurance
Super Mediclaim is an Indemnity based Health Insurance Product that offers comprehensive coverage against critical illnesses such as cancer, major heart ailments, organ transplants & even critical surgeries. It gives the flexibility to choose from among 4 Plans basis your requirement.
- 1. Critical Mediclaim: A plan that covers 32 defined critical illnesses.
- 2. Cancer Mediclaim: Comprehensive coverage for a wide-range of cancer ailments.
- 3. Heart Mediclaim: A plan that covers 16 Critical Heart related Illnesses.
- 4. Operation Mediclaim: A plan that offers coverage for a wide array of defined surgeries.
Health Insurance for Senior Citizens
A medical uncertainty can knock your door anytime. With health insurance for Senior Citizen, you can protect your parents or elderly loved ones with the best health care facilities without worrying about finances. This health insurance plan includes features such as an annual check-up, tax benefits, pre and post-hospitalization medical expenses and of course, a servicing team that empathizes and guides you at every step.
FAQs on Care Health Insurance (Formerly Religare Health Insurance)
How to buy Health Insurance Policy?
You can buy Health Insurance Policy online easily. Follow these steps:
- 1. Enter your details in the form given on the Care Health Insurance website.
- 2. Get the quote
- 3. Choose the one that suits your needs.
- 4. Fill the required details
- 5. Submit the required documents
- 6. Make online payment
What is co-payment in the Care Health plans?
Health Insurance companies use Co-Payment after an insured member turns a certain age. Co-pay is that part of your claim amount, which you have to bear. Co-pay can be in % terms or an absolute amount. For instance, in the case of co-pay of 20% and claim of Rs. 10,000, we will pay you Rs. 8,000 (80% of 10K) and you will bear 20% (Rs. 2,000). With CHI, there is No Co-payment ever if you insured with us before the age of 61.
What are the key benefits of buying Care Health Insurance at an early age?
The key benefits of buying Care Health Insurance at an early age are:
- 1. Health insurance premium tends to increase with age – more the age, higher the premium.
- 2. You can be covered for medical conditions that may be diagnosed over the years provided there is no break in the policy.
- 3. Also, each ‘no claim’ year would fetch you a discount on your premium or an increase in your sum insured amount at no extra cost. The treatment in case of ‘no-claim’ bonus varies from company to company.
- 4. Income tax benefits u/s 80 D of the Income Tax Act.
What is a No Claim Bonus?
This concept works on the same lines as the no-claim bonus on your car insurance. A Policyholder, who hasn’t made any claim in a year, can use the bonus to their benefit the following year. Similarly, CARE offers a 10% increase in the policy sum insured for every claim-free year, with no change in premium. So, a policy with a sum insured of Rs 5 lakh, will get an extended cover of Rs 50,000 the following year at the same premium. A claim-free third year will see him earning another ten per cent extra cover on his base sum insured, taking the total to Rs 6 lakh. A maximum bonus of up to 50 per cent is permissible. In case of claim, the accumulated bonus is reduced by 10%.
How to Renew Health Insurance policy Online?
- 1. First, you have to visit the company’s official website and click on the ‘Renew’ tab to initiate online renwal process
- 2. In the next step, you have to fill all the required details related to your existing health insurance policy and click on the ‘Lets Renew’ option.
- 3. The last step of Care Health Insurance online renewal is payment mode.
- 4. Once you have made the payment successfully, your Care Health renewal will be completed. You will receive the renewal documents in your registered mail-id.