Care Care Comprehensive Health Insurance Plan

Product Overview

Care Care Comprehensive Health Insurance Plan offers comprehensive health insurance coverage with host of benefits like - Auto Recharge of the sum insured if exhausted, Treatment anywhere in the world, every year health check-ups, etc.

Unique Features - Care Care Comprehensive Health Insurance Plan

• Recharge of the base Sum Insured is available for unrelated illness once in a policy year
• Annual Health Check-up for all insured person regardless of the claim history
• Get additional Unlimited recharge of Sum Insured by opting for Care with unlimited recharge
• Get additional 100% No Claim Bonus by opting NCB SUPER available for all sum insured
• Care Anywhere - Treatments outside India is covered for certain specified treatments (Rs 50, 60 Lac & 75Lacs SI)

Critical features of Care Care Comprehensive Health Insurance Plan

• Room Rent:
  Limits imposed towards room and ICU rent expenses

1. 1 % of sum insured for room rent and 2% of the sum Insured for ICU per day (Only in Rs 3 & 4 Lac SI)
2. Single private room for sum insured of Rs 5 Lacs to Rs 10 Lacs.
3. Single private room (upgradable to next level only if Single Private room is not available) for sum insured of Rs. 15 Lacs to Rs. 75 lacs.

• Co-Pay:
  Specific % of admissible claim amount to be borne by Insured
  20% is applicable for individuals with age 61 years and above at the time of buying this policy. (Except 3 & 4 Lacs of Sum Insured)
• No Claim Bonus:
  Health Insurance policies may offer Cumulative Bonus wherein for every claim free year, the Sum Insured is increased by a certain percentage at the time of renewal

1. CARE - 10 % of the Basic Sum Insured upto a maximum of 50% for each unclaimed year in case opted for.
2. CARE - NCB SUPER - 60 % of the Basic Sum Insured upto a maximum of 150% for each unclaimed year in case opted for.

• Pre-Existing Diseases:
  Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
  This plans has a waiting period of 4 years for of pre-existing diseases

Eligibility Criteria

• Minimum Age of Entry:- 91 days
• Maximum age of Entry:- No limit
• Renewal Age:- Life Long Renewal
• Sum Insured:- 3 Lakhs, 4 Lakhs, 5 Lakhs, 7 Lakhs, 10 Lakhs, 15 Lakhs, 20 Lakhs, 25 Lakhs, 30 Lakhs, 40 Lakhs, 50 Lakhs, 60 Lakhs, 75 Lakhs
• Policy Tenure:- 1, 2 & 3 years
• Family Definition:-
  Individual Plan - Self, Spouse, Children, Parent, Siblings, Parent-in-laws, Grandparents & Grandchildren
  Family Floater - Self, Spouse, Dependent Children & Dependent Parents
• Premium Calculated on Basis of:- Age, Sum insured, Family Composition

Add-ons

• No Claim Bonus Super (Add-on Premium):
  Insurance company will increase your sum insured by 50% of the expiring policy sum insured if you do not file a claim during the previous policy period. This benefit accrues every year upto a maximum 100% of the total Sum Insured in the renewed policy.
• Every Day Care Benefit:
  Every day wellness package provides an access to a free health services, unlimited consultations, health & wellness offers, etc. 
• Unlimited Automatic Recharge:
  If, due to claims made, you ever run out of/exhaust your health cover, we reinstate the entire sum insured of your policy for the remaining policy period.
• Personal Accident:
  An optional cover offered to the customer for Accidental Death & Permanent Total Disability. This cover can be utilised for you, your spouse & dependant children. 

Additional Discounts

• Family Discount - 5% Discount upto 3 members and 4 member and above 10 % discount(One person of the same family are covered in the same policy Individually)
• Discount for multi-year polices - 7.5% discount for opting 2yr policy tenure and for 3yrs tenure 10%.

Waiting Period

• Covered from Day 1:
  Accidental Injuries.
• Covered after 30 Days:
  All incidences apart from specified surgeries, Permanent exclusion & Pre-existing diseases (if any)
• Covered after 2 Year:
  Arthritis (If Non Infective), Osteoarthritis, Osteoporosis, Gout, Rheumatism & Spinal, Disorders, Joint Replacement Surgery, Benign Ear, Nose & Throat (ENT) Disorders And Surgeries (Including But Not Limited To Adenoidectomy, Mastoidectomy, Tonsillectomy & Tympanoplasty), Nasal Septum Deviation, Sinusitis & Related Disorders. Benign Prostatic Hypertrophy Cataract Dilation & Curettage Fissure Fistula In Anus, Hemorrhoids/Piles, Pilonidal Sinus, Gastric & Duodenal Ulcers Surgery Of Genitourinary System Unless Necessitated By Malignancy All Types Of Hernia & Hydrocele Hysterectomy For Menorrhagia Or Fibromyoma Or Prolapse Of Uterus Unless necessitated By Malignancy Internal Tumors, Skin Tumors, Cysts, Nodules, Polyps Including Breast Lumps (Each Of Any Kind) Unless Malignant Kidney Stone/Ureteric Stone/Lithotripsy/Gall Bladder Stone Myomectomy For Fibroids Varicose Veins And Varicose Ulcers.

Exclusions

• 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
• Tests and treatment relating to infertility and in vitro fertilization.
• War, riot, strike, nuclear weapons induced hospitalization.
• Non Allopathic Treatments
• Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
• Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
• Cost of spectacles/contact lenes, dental treatment
• Medical Expenses relating to any hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations

 

Note: Any claims arising out of or attributable to any of the following is not covered. Please refer policy T & C for detailed list of exclusions.

Tax Benefits

The premium paid towards Health Insurance for Individual (Self, Spouse, Children & Parents) & Parents (Senior Citizens) qualifies for deduction under Section 80D of the Income Tax Act, 1961.

Claim Process

In case you would like to know about the Claim Process or would like to register a Claim please click the link below

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