Care Health Insurance |Aditya Birla Health Insurance

Care Health Insurance (previously known as Religare Health Insurance) is one of India’s leading health insurance providers, offering a wide range of health insurance plans for individuals, families, senior citizens, and more. Established with the goal of providing accessible and affordable healthcare coverage, Care Health Insurancs aims to ensure that policyholders can access quality medical care without financial stress.

Key Features of Care Health Insurancs:

1. Comprehensive Coverage: Care Health Insurancs provides extensive coverage for hospitalization expenses, pre and post-hospitalization costs, day care treatments, ambulance charges, and more.
2. Cashless Treatment: The insurer has a wide network of hospitals across India, where policyholders can avail of cashless treatment, ensuring immediate care without the need for upfront payments.
3. No-Claim Bonus: If you do not file any claims during a policy year, Care Health nsurance offers a no-claim bonus, which increases your sum insured in the next year at no extra cost.
4. Pre-Existing Disease Coverage: Care Health Insurance offers coverage for pre-existing diseases after a specified waiting period, which varies depending on the plan chosen.
5. Annual Health Checkups: Most Care Health Insurance policies offer complimentary annual health checkups for policyholders to monitor and maintain their health.
6. Flexible Plans: The insurer offers a variety of plans suited for different age groups, needs, and budgets, such as family floater plans, individual health insurance, and top-up plans.
7. Maternity and Newborn Cover: Some plans include coverage for maternity expenses and newborn care, making it ideal for young families.
8. Alternative Treatments: Coverage for alternative treatments such as AYUSH (Ayurveda, Yoga, Unani, Siddha, and Homeopathy) is available in select plans.
9. Lifetime Renewability: Care Health Insurance policies come with the option of lifetime renewability, ensuring that you are covered even in old age when health coverage is most essential.

Popular Care Health Insurance Plans:

1. Care Health Insurance (Individual & Family Floater Plan):

• Covers hospitalization, pre and post-hospitalization expenses.
• Cashless hospitalization in over 8,300 hospitals.
• Annual health checkups for all insured members.

1. Care Senior:

• Specifically designed for senior citizens.
• Coverage for pre-existing diseases after a waiting period.
• Domiciliary hospitalization and day care treatment covered.

1. Care Freedom:

• A plan with relaxed pre-policy medical tests, ideal for people with pre-existing conditions.
• Extensive coverage for diabetes, hypertension, and other lifestyle diseases.
• Flexible premium options based on your coverage needs.

1. Care Enhance (Super Top-up):

• Offers additional coverage over and above your existing health insurance policy.
• Ideal for people who want enhanced coverage at a lower premium.

1. Care Joy (Maternity Insurance):

• Covers maternity-related expenses including delivery and newborn care.
• Pre and post-natal care covered.
• Coverage for new-born vaccinations.

Benefits of Care Health Insurance:

1. Tax Benefits: Premiums paid for Care Health Insurance policies are eligible for tax deductions under Section 80D of the Income Tax Act.
2. Wide Network of Hospitals: Care Health Insurance has tie-ups with more than 8,300 hospitals, ensuring access to quality healthcare across India.
3. Critical Illness Coverage: Care Health Insurance offers critical illness riders, providing a lump sum amount in case you are diagnosed with any of the covered critical illnesses like cancer, stroke, heart attack, etc.
4. Global Coverage: Some plans offer global coverage for major illnesses, ensuring you get the best treatment abroad if required.
5. Multi-Year Policy Discounts: Opt for a long-term health insurance policy (up to 3 years) to get additional discounts on premiums.

How to Buy Care Health Insurance:

Purchasing a health insurance policy from Care Health Insurance is a simple and quick process. You can:

• Visit their official website and select the desired plan.
• Customize your coverage based on your needs and premium budget.
• Submit the necessary documents such as age proof, identity proof, and medical records (if applicable).
• Pay the premium online, and the policy will be issued instantly.

Alternatively, you can buy Care Health Insurance through agents, brokers, or online insurance aggregators.

Claims Process:

Care Health Insurance has a hassle-free claims process:

1. Cashless Claims: In the case of a planned or emergency hospitalization, you can avail of cashless treatment at network hospitals. The insurer directly settles the bill with the hospital after the required pre-authorization.
2. Reimbursement Claims: If you opt for a non-network hospital, you can file for reimbursement by submitting the necessary documents, including the claim form, medical bills, discharge summary, and prescriptions. The claim amount will be credited to your account after verification.
3. Dedicated Claim Support: Care Health Insurance provides 24/7 customer support to assist policyholders with their claims.

Exclusions in Care Health Insurance:

While Care Health Insurance offers comprehensive coverage, certain exclusions are applicable:

• Treatment for self-inflicted injuries or suicide attempts.
• Injuries resulting from alcohol or drug abuse.
• Cosmetic or aesthetic treatments, unless medically necessary.
• Medical treatment related to infertility or pregnancy complications unless covered under a specific plan.
• Treatments for HIV/AIDS or related complications.

Why Choose Care Health Insurance?

• Customizable Plans: The plans are tailored to meet the specific needs of individuals, families, and senior citizens.
• Robust Hospital Network: With an extensive network of hospitals, Care Health Insurance ensures quality care across India.
• Affordable Premiums: Care Health Insurance provides affordable premium options without compromising on the coverage and benefits.
• Focus on Customer Satisfaction: With a high claim settlement ratio and customer-centric approach, Care Health Insurance is a trusted name in the health insurance industry.

Conclusion:

Care Health Insurance is a reliable and comprehensive solution for your health insurance needs. Whether you are looking for basic health coverage, maternity benefits, or senior citizen-specific plans, Care Health Insurance has something for everyone. With affordable premiums, a wide network of hospitals, and hassle-free claim processes, it’s a great choice for ensuring that your health is protected at all times.

In an age where medical costs are rising, investing in a good health insurance plan is not just a necessity, it’s a wise financial decision. Care Health Insurance is here to ensure that you and your family receive the best healthcare when you need it the most.