Care Critical Illness Insurance Plans

Starting on September 1st, 2020, Care Critical Illness Insurance Plans will replace Religare Health Insurance. The distribution of a variety of health insurance products to individuals, businesses, and families is the area of expertise of Care Health Insurance Company (previously Religare Health Insurance Company Limited).

The business, which is the health insurance division of Care Enterprise Ltd., is well-known throughout India’s 1,700 locations. After receiving approval from India’s Insurance Regulatory and Development Authority (IRDAI) in 2012, Care Health Insurance (previously Religare Health Insurance) has grown to become one of the most reputable brands in the health insurance industry.

Care Critical Illness Insurance Plans

Maternity insurance plans, senior citizen insurance plans, diabetes and hypertension coverage, cancer/critical illness insurance, top-up health insurance plans, and individual and family floater insurance plans are all provided by Care Health Insurance (Formerly Religare Health Insurance). These plans are intended to cover the cost of pricey medical treatments, specialized medical procedures, diagnostic tests, hospital room fees, etc.

1. Critical Mediclaim

Critical illness insurance covers severe, protracted illnesses that call for pricey medical care. On payment of an additional premium, the majority of health insurance plans offer critical illness riders that help the insured pay for astronomical hospitalization and treatment costs. These programs were created to assist people in coping with the potential uncertainties of serious illnesses.

The affordable Critical Mediclaim Health Insurance Policy is designed to fully cover the costs associated with surgical procedures. Additionally, the policy covers 32 critical illnesses, including the following:

  • ​Pericardectomy
  • Alzheimer’s condition

  • Unstable Brain Tumor

  • Surgery on the Carotid Artery

  • End Stage Lung Disease

2. Assure

One such policy, Assure by Care, is specifically designed to cover 20 critical illnesses in addition to providing personal accident coverage. You receive a lump-sum benefit under this plan to cover expenses. Assure’s disease coverage includes:

  • Coma

  • Cancer

  • Stroke

  • Paralysis

  • Big Burns

Care Health Insurance at a Glance (Formerly Religare Health Insurance)

Care Health Insurance (previously Religare Health Insurance) offers some of the most comprehensive and varied medical insurance plans for sale.

If you’re considering purchasing one from Care Health Insurance (previously Religare Health Insurance), take a look at the following list of benefits:

  • The Care Health Insurance (Formerly Religare Health Insurance) company has a promising claim settlement ratio of 93%, which is also indicative of success. Check the company’s CSR, which measures the proportion of claims that were settled compared to those that the insurer received. The ability to settle claims is better when the percentage is higher.

  • Wide Hospital Network: Patients with insurance have the choice of receiving care at any one of India’s more than 7400 top hospitals.

  • Redressing Grievances and Claims Is Simple: In order to respond to your inquiries round-the-clock, Care’s customer service and health insurance teams are well-equipped. You can immediately receive a satisfactory resolution by simply bringing your needs to the insurer The processing time for cashless health insurance claims is about 2 days.

  • Products for Comprehensive Health Insurance: The Care Health Insurance (Formerly Religare Health Insurance) company offers comprehensive insurance products. According to the plan purchased, insured members can ensure good health by receiving the appropriate care at one of the top hospitals in India or abroad.

Care Heart Insurance Plan

Care (formerly Religare) Health Insurance is made to meet people’s needs for coverage with regard to cardiac conditions. The policy grants freedom to access high-quality healthcare in more than 11000 cashless hospitals as well as a financial safety net for unexpected medical expenses. The Care Heart Health Insurance provides the option of an annual physical for the purpose of tracking a patient’s condition. There is no entry age restriction for the policy, which is one of its alluring advantages.

Coverage Offered

The tenure of the policy’s coverage is between one and three years. Heart conditions necessitate ongoing medical care and observation. The Care (formerly Religare) Heart Health Insurance offers the insured a variety of advantages.

  • In-patient Care: For hospital treatment lasting more than 24 hours, cashless reimbursement is given for all costs incurred.

  • Day Care Treatment: If the hospital stay is less than 24 hours, this option allows for the cashless reimbursement of treatment and listed procedures’ costs.

  • All pre- and post-hospitalization medical costs incurred by the insured are covered for a period of 30 days and 60 days, respectively.

  • Domiciliary Treatment: The insurance plan covers costs associated with receiving medical care at home, as opposed to a hospital, under normal circumstances.

Benefits of Care’s (previously Religare) Heart Health Insurance Plan

With one of these two plans in place, you can deal with the financial strain of serious illnesses or diseases for which medical expenses can deplete savings quickly and recovery times can be prolonged.

 Pre- and post-hospitalization, air ambulance, room rental, in-patient dialysis, day care services, etc. are all covered by the policies. The Care Critical Critical Medicalaim policy offers coverage for up to 45 continuous days of travel outside of India in a single trip and up to 90 days in total during a policy year.

Type of Policy

  • For heart patients, cardiac policy
  • Non-cash advantages
  • 1100 plus network hospitals
Claim Settlement Ratio92.3%
Yearly ExaminationAvailable
SI choices3 lakh, 5 lakh, 7 lakh, 10 lakh
Renewability for all time.Yes

The popular way of life today exposes you to a number of risks that you would prefer to ignore but are unable to avoid. This care health insurance (previously Religare Health Insurance) plan offers thorough protection against 32 serious illnesses.

Benefits and Features

  • This policy provides coverage for treatment for 32 serious illnesses.

  • Easy EMI options are offered with critical illness insurance.

  • Free annual physical exams start in the second year of the policy’s term.

  • Additionally, there is a free option to see a doctor if necessary.

  • The insurance covers hospital costs, fees for organ donors, dialysis, alternative therapies, medical second opinions, and international second opinions.

  • Additionally, the policyholder is eligible for up to Rs 5 lakh in air ambulance coverage.

Inclusions of Heart Health Insurance Coverage

Along with the primary protection mentioned above, the Care (previously Religare) Heart Health Insurance Policy offers the following advantages:

  • Alternative Treatment: Up to 25% of the insured amount may be used for AYUSH treatment by the insured.

  • Ambulance Coverage: Depending on the selected plan option, costs are covered up to a personal maximum per hospitalization.

  • Co-payment: if the entry age is greater than or equal to 70 years, it is 30% of the total expenses incurred. If the entry age is equal to or less than 70 years, it is 20%.

  • Non-allopathic treatments are also covered by this policy for AYUSH practitioners.

When choosing to purchase Care (previously Religare) Heart Health Insurance, the insured should be aware of the applicable exclusion:

Exclusions

  • The initial waiting period for Care (formerly Religare) health insurance claims is 30 days.

  • The policy has a 24-month waiting period before a claim can be made for one of the listed conditions.

  • For all pre-existing diseases, a 24-month waiting period is in effect.

  • The list of covered conditions also excludes any illness or injury resulting from dangers such as nuclear contamination, terrorism, or war-related perils.

  • Cosmetic surgery and all forms of cosmetic treatment are also prohibited.

  • The coverage does not extend to illnesses brought on by substance abuse or intoxicants.

Care Cancer Mediclaim Policy

Cancer is a serious condition that could throw your entire financial plan out the window. Cancer Mediclaim is a comprehensive medical solution that Care Health Insurance (previously Religare Health Insurance) offers to assist you and your loved ones in overcoming cancer with the appropriate care. Regardless of the disease’s stage, this cancer medical insurance policy provides coverage. Below is a description of the benefits and features of the procedure:

Cancer Insurance Plans in India’s Covered Cancer Types

View the various cancers at early and advanced stages that cancer insurance plans cover:

  • A lung cancer

  • Obstetrical cancer

  • Stomach cancer

  • Hypopharynx cancer

  • Breast cancer

  • Cervical cancer

Features of Care Cancer Health Insurance

  • A wide range of sum insured options are available, ranging from Rs. 10 lakh to Rs.

  • Utilize the claim settlement service that is quick and easy.

  • For all cancer stages, payment will be made.

  • It’s possible to be renewed forever.

  • There is no need for a pre-policy medical examination.

  • ICU charges have no sub-limits.

  • The premium may be paid once or once a month.

  • The proposer receives a lump sum payment for the insured amount.

  • No specific waiting period related to a condition exists.

  • Up to 100% in no-claim bonuses

  • According to Section 80/D of the Income Tax Act, you can reduce your tax liability on the annual premium.

Cancer Insurance Plans’ Advantages

Here are a few main advantages of purchasing a cancer insurance policy:

  • Multiple Cancer Stages – It addresses various cancer stages.

  • When an insured person is diagnosed with cancer, a lump sum payment is made to them.

  • Premium Waiver – Under certain circumstances, such as a cancer diagnosis in its early stages, the premium waiver benefit is accessible.

  • Enhancement of the Sum Insured—If there are no claims throughout the year, the sum insured rises by a predetermined percentage.

  • Monthly Payout – If certain conditions are met, such as when a serious cancer diagnosis occurs, monthly income is paid out for a predetermined number of years.

  • Insurance coverage for cancer continues under several plans even after the first diagnosis of the condition.

  • Tax Benefits – Tax benefits are available on paid premiums under section 80D of the Income Tax Act.

Inclusions of Care Health Insurance for Cancer

It includes the following cancer-related diseases, conditions, and surgeries:

  • Hospitalization Expenses: Up to the SI limit, the policy will pay for inpatient care fees, daycare services, radiotherapy, and chemotherapy.

  • Organ donor expenses are paid for up to the coverage amount or Rs. 15 lakh (whichever is less).

  • You may make a claim for the international second opinion coverage once for each covered condition per policy year.

  • Coverage for air ambulances is up to Rs. 5 lakh.

  • Among the health services are Quick Recovery Counseling, Doctor on Call, OPD Expenses up to Rs. 25,000, and Global Coverage for 45 Days up to the Sum Insured Limit, available only in SI greater than Rs. 1 Crore.

Exclusions of Care Health Insurance for Cancer

The following are exclusions from this cancer medical insurance policy:

  • Any illness identified within the first 90 days following the policy’s start date

  • Conditions that are similar to war, rebellion, nuclear attacks, an act of a foreign enemy, terrorist activities, etc.

  • Treatment needed for mental illnesses like depression, anxiety, and psychological disorders that result in self-inflicted injuries

  • Alcohol consumption, drug overdose, and other intoxications may result in hospitalization or property damage.

  • Workplace illnesses of any kind

  • Any type of natural catastrophe, including a hurricane, an earthquake, a storm, a volcanic eruption, etc.

Care Critical Mediclaim Policy

Millions of people with life-threatening illnesses like cancer, heart disease, kidney failure, stroke, and similar ones are covered by care critical illness policies. Three different health insurance plans are offered by Care Health Insurance Company, each of which covers a different critical illness.

 You can choose between a critical illness policy, a cancer policy, and a heart insurance policy. To learn more about the plans, keep reading.

Health Care Insurance Program

A heart insurance program called Care Heart offers coverage for previously known cardiac conditions. An individual who has had cardiac surgery or similar medical procedures is also covered by the policy. Check out the following features of the policy:

  • For cardiac patients between the ages of 5 and 50, it is a specific health insurance program.

  • For those with existing heart conditions, this critical illness plan is beneficial.

  • The policy pays for daycare services, as well as hospital expenses for 30 days before and 60 days after admission.

  • Coverage for complementary therapies like AYUSH hospitalization is also reimbursable.

  • There is also a facility for yearly heart health checks.

  • Applying 20% co-pay

Policy on Care Cancer Mediclaim

A cancer insurance program called Care Cancer Mediclaim provides those who need cancer treatment with financial security. The cost of the treatment is high, so this insurance covers the following expenses:

  • Coverage for inpatient care

  • Children’s services

  • Chemotherapy and radiation

  • Donor insurance

  • Coverage of OPD costs

  • An additional medical opinion

  • alternative forms of treatment

Policy for Care-Critical Mediclaim

The cost of receiving medical care for certain life-threatening illnesses and acute conditions covered by this critical illness plan can be disastrous for anyone’s financial situation. It provides extensive coverage for critical illnesses, as shown below:

  • A wider range of sum insured options is available to you, ranging from Rs 20 lakh to Rs 200 lakh.

  • Anyone over the age of 18 can purchase this critical illness insurance if they are under the age of 45 and do not need to undergo pre-medical testing.

  • There are 32 critical illnesses for which treatment is covered, including cancer, organ transplant, multiple sclerosis, heart valve replacement or repair, aorta graft surgery, coma, third-degree burns, renal diseases, total blindness, etc.

  • The amount insured under this critical illness policy covers costs for daycare, alternative treatments, and ICU stays, among other things.

Any of the above-mentioned policies may be purchased directly from our website if you are considering doing so. You can get more information by speaking with our customer service representatives.

Conclusion

A number of benefits are covered by Care Health Insurance’s critical illness plan, including OPD Coverage, In-patient Hospitalization, Organ Donor Coverage, No Claim Bonus, Day Care Treatment, Road and Air Ambulance, and others.

  • The age range for those who can purchase critical illness insurance is 5 to 65.

  • The number of claims that Care Health Insurance policyholders can submit in a calendar year is unlimited, but the sum of all of those claims combined cannot be greater than the plan’s sum insured.

  • When the final required document is received by Care Health Insurance, the claim is resolved within 7 working days, but it rarely takes longer than 30 days.

FAQs

Q1. Which conditions or procedures fall under the Care Heart Health Insurance Policy’s sublimit?

Ans: A variety of procedures fall under different sub-limit amounts, including cancer treatment and surgery, total knee replacement, hernia surgery, hysterectomy, and the removal of renal stones.

Q2. How much of the Care Heart Health Insurance Policy’s pre- and post-hospitalization expenses are covered?

Ans: The amount is restricted to a maximum of 5% of the Sum Insured.

Q3. How much is the Care Heart Health Insurance Policy’s upper limit for room rent and ICU expenses?

Ans: For an insured amount of Rs. 3 lakh, the room rest fee is 1% and the daily ICU fee is 2% of the insured amount (SI). No cap has been set for higher Sum Insured.