Care Assure Critical Illness Plan
Care Health
Insurance Company Limited
Insurance Company Limited
Care Health Insurance Company Limited is a specialist health insurer engaged in the distribution & servicing of health insurance products. Our shareholders comprise three strong entities: Religare Enterprises Limited, a leading diversified financial services group based out of India, Union Bank of India & Corporation Bank.
Contact Details
Toll Free Number- 1860-500-4488
OR 1800-102-4488
E-Mail - customerfirst@careinsurance.com
Product Overview of Care Assure Critical Illness Plan
Care Assure Plan is a critical illness benefit policy, which will pay a lump sum amount on the diagnosis of the covered illness of specified severity post the initial waiting & survival period.
Unique Features of Care Assure Critical Illness Plan
20 major Critical illness covered
Personal Accident covered
Annual Health Check up
Zero day survival period
Second Opinion
Child Education Benefit
Eligibility Criteria for Care Assure Critical Illness Plan
| Eligibility Criteria | ||||||||
|---|---|---|---|---|---|---|---|---|
| Age Criteria | Min Entry Age: 18 Years Max Entry Age: 65 Years | |||||||
| Renewal Age | Life Long Renewal | |||||||
| Coverage for Individual & Family Basis | Individual - For Self, Spouse, Dependent Children/Parents | |||||||
| Sum Insured | Rs. 5 Lacs, 10 Lacs, 15 Lacs, 20 Lacs, 30 Lacs, 50 Lacs, 75 Lacs, to 1 Crore | |||||||
| Policy Tenure | 1 Year, 2 Years & 3 Years | |||||||
Product Benefits of Care Assure Critical Illness Plan
| Critical Features | ||||
|---|---|---|---|---|
| No Of Covered Disease | 20 | |||
| Initial Survival Period | NA | |||
| Initial Waiting Period | 90 Days (Except Personal Accident) | |||
| Coverage For PED | Not Covered | |||
| Second Opinion | Yes | |||
| Other Features | ||||
|---|---|---|---|---|
| Add On Covers | Yes | |||
| Sum insured Range | Rs. 5 Lacs to Rs. 1 Crore | |||
| Child Education Benefit | 10% of Sum Insured | |||
| Personal Accident Cover | 100% of Sum Insured | |||
| Type of Coverage | Individual only | |||
| Annual Health Check Up | Yes | |||
Waiting Period for Care Assure Critical Illness Plan
Initial Waiting period - This implies that the insured is not covered for the 20 diseases under this policy for the first 90 days of the policy
coming into existence. The waiting period is not applicable on subsequent renewals
Pre-existing Diseases - Not Covered
coming into existence. The waiting period is not applicable on subsequent renewals
Pre-existing Diseases - Not Covered
Survival Period for Care Assure Critical Illness Plan
No Survival Period
20 Critical Illnesses covered
30 days survival period from the date of confirmed diagnosis with defined severity/ date of actual undergoing of the procedure
1. Cancer
2. End Stage Renal Failure
3. Multiple Sclerosis
4. Benign Brain Tumor
5. Motor Neurone Disorder
6. End Stage Lung Disease
7. Major Organ Transplant
8. Heart Valve Replacement
9. Coronary Artery Bypass Graft
10. Stroke
11. Paralysis
12. Myocardial Infarction
13. Major Burns
14. Coma
15. Blindness
16. Parkinson’s Disease before the age of 50 years
17. Alzheimer’s Disease before the age of 50 years
18. End Stage Liver Disease
19. Bacterial Meningitis
20. Aplastic Anemia
2. End Stage Renal Failure
3. Multiple Sclerosis
4. Benign Brain Tumor
5. Motor Neurone Disorder
6. End Stage Lung Disease
7. Major Organ Transplant
8. Heart Valve Replacement
9. Coronary Artery Bypass Graft
10. Stroke
11. Paralysis
12. Myocardial Infarction
13. Major Burns
14. Coma
15. Blindness
16. Parkinson’s Disease before the age of 50 years
17. Alzheimer’s Disease before the age of 50 years
18. End Stage Liver Disease
19. Bacterial Meningitis
20. Aplastic Anemia
Exclusion in Care Assure Critical Illness Plan
- Any diagnosis of diseases / undergoing of surgery / occurrence of event, whose signs or symptoms first occur within 90 days of Policy Period Start date.
- Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
- Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
- Medical expenses incurred for treatment of AIDS
- Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
- Congenital disease
- Cosmetic & aesthetic and obesity related treatment
- Tests and treatment relating to infertility and in vitro fertilization.
- War, riot, strike, nuclear weapons induced hospitalization.
Add-ons for Care Assure Critical Illness Plan
| Add-On | Description | |||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Every Day Care - | Unlimited regular doctor Consultations from network consultants, specialists and surgeons at Rs. 100 per consultation. Restricted to a maximum 4 visits for the same illness or disease. | |||||||||||||||||
| HIV Cover | If detected with HIV Infection for the first time during the policy period and such infection is not caused by either by parents to child transmission, or Transmission through unprotected sex (Heterosexual, Homosexual or Bisexual), then lump sum amount equal to the sum insured will be paid. | |||||||||||||||||
Additional Discounts in Care Assure Critical Illness Plan
- 7.5 % discount if premium is paid for 2 years
- 10 % discount if premium is paid for 3 years.
Tax Benefits of Care Assure Critical Illness Plan
Tax benefits for the premium paid under Section 80D of the Income Tax Act.