Care- Health Insurance Plan for Yourself and Family
Care is a family health insurance plan that safeguards you and your family against financial risks arising from a medical emergency with one single premium. With 'Care' by your side, you can be assured that you or any insured members get unified protection while unwell. We take up all the hassles related to your treatment cost so that you can stay worry-free and focus only on your recovery.
The sum insured in the policy serves as a pool of funds for everyone to use. Any insured family member may use the sum insured in whole or in part to pay for hospitalisation and other medical expenses. You also have the flexibility to add new members as and when you wish as per family expansion.
Plan Highlights of Care Family Health Insurance
- Minimum entry age 91 days with at least one insured member’s age 18 years or above
- No upper limit on maximum entry age
- Family-specific policy where other members can be added
- Age of the proposer should be 18 years or above
- Option to avail personal accident cover
- Deductible applicable as per policy terms and condition
Cover Highlights
Annual health
check-up
Robotic surgery
Emergency Ambulance
hospitalization
(more or less than 24 hrs)
Post-hospitalization
Expenses
You can easily choose the best family floater health insurance plan in India, regardless of the size of the family or the age of the elder member in the family. Here are the features and benefits that make buying the best family health insurance plans in India worthwhile:
| KEY FEATURES | ₹5L / 7L / 10L | ₹15L/ 20L/ 25L/ 30L/ 40L | ₹50L/ 60L/ 75L | ₹1Cr/ 2Cr/ 3Cr/ 6Cr |
|---|---|---|---|---|
| Pre-hospitalization Covers the relevant medical expenses such as investigative tests, routine medication, etc. incurred by you up to 30 days before your hospitalization. | 30 Days | 30 Days | 30 Days | 30 Days |
| Post-hospitalization Refers to medical expenses incurred on doctor’s consultation fee, prescribed diagnostics and prescribed medicines 30 days before date of admission and 60 days after date of discharge | 60 Days | 60 Days | 60 Days | 60 Days |
| Day Care Treatment Covers medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for 24 hours or more. As a matter of fact we cover over 540+ day care procedures. | Upto SI | |||
| Room Rent Covers expenses occurred while you're staying in a hospital. You can also upgrade your single private room should there be a need to and is recommended by a treating doctor. | Single Private Room | Single Private Room (upgradable to next level) | Single Private Room (upgradable to next level) | Single Private Room (upgradable to next level) |
| ICU Charges Take care of ICU charges incurred during your hospitalization. | No Limit | No Limit | No Limit | No Limit |
| Doctor Fees, etc. | No Limit | No Limit | No Limit | No Limit |
| Daily Allowance | - | - | - | - |
| Ambulance Cover In case of an emergency, we reimburse expenses incurred by you for availing a domestic road ambulance during your hospitalization. | Upto Rs.2,000/ Hospitalization | Upto Rs.2,500/ Hospitalization | Upto Rs.3,000/ Hospitalization | Upto Rs.5,000 |
| Domiciliary Hospitalization In case hospitalization is not possible , then we cover for medical expenses incurred during your treatment at home for a period exceeding 3 consecutive days. | Upto 10% of SI | Upto 10% of SI | Upto 10% of SI | Upto 10% of SI |
| Annual Health Check-Up To regularly monitor the health and well being, of each insured member, they get one health check-up in every policy year. We have already identified set of test that are covered under policy and you can book your health check-up appointment by using Care customer mobile app | For All Insured Members | For All Insured Members | For All Insured Members | For All Insured Members |
| Maternity Cover | - | - | Up to Rs.1,00,000 | Up to Rs.2,00,000 |
| Alternative Treatment | Up to Rs.20,000 | Up to Rs.30,000 | Up to Rs.40,000 | Up to Rs.50,000 |
| No Claim Bonus## On renewal we will reward you by increasing your SI by 10% in case no claim is made in a Year before renewal. Maximum increase will not to exceed 50% in policy lifetime. If claim is made No Claim Bonus will be reduced by 10% on renewal. NCB Super is an optional benefit that increases your sum insured amount by 50% every claim-free year, up to a maximum of 100%. You can add NCB Super benefit to your policy by paying a slightly increased premium. | Up to 150% of SI | Up to 150% of SI | Up to 150% of SI | Upto 50% of SI |
| Organ Donor Cover Covers the medical expenses that are incurred on treatment of an organ donor while undergoing the organ transplant surgery. | Rs.1,00,000 | Rs.2,00,000 | Rs.3,00,000 | Rs.5,00,000 |
| Second Opinion If you feel uncertain about your diagnosis, you can opt for a second opinion, arranged by us. | ||||
| Automatic Recharge of Sum Insured In case your sum insured is exhausted during long hospitalisation or due to multiple family members being hospitalised at same time, an amount equal to policy sum insured will be automatically added to your policy. | Up to SI | Up to SI | Up to SI | Up to SI |
| Care Anywhere | - | - | - | |
| Vaccination Cover | - | - | Up to Rs.10,000 for children up to 18 years of age. |
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##No Claim Bonus = upto 50% increase due to No Claim Bonus +upto 100% increase due to No Claim Bonus SUPER( Optoinal Benefit)
*Kindly refer to the policy document to check the complete list of health insurance features for family.
Add-ons to cover your specific needs
No Claim Bonus Super
You can increase your sum insured amount by 50% for every claim free year up to a maximum of 100%.
See Details
Care Shield
An add-on cover that offers 3 benefits claim shield, no claim bonus shield and inflation shield.
Reduction in PED Wait Period
This Optional Cover reduces the applicable PED wait period from 48 months to 24 months.
See Details
OPD Care
Get Coverage of up to ₹50,000 for doctor consultations, prescribed diagnostics and prescribed pharmacy.
Unlimited Automatic Recharge
Option to recharge the Sum Insured unlimited times
See Details
Everyday Care
Get covered up to 2% of your Sum Insured for doctor consultation & diagnostic tests.
International Second Opinion
Covers expenses for consultation from International Medical experts
See Details
Co-payment Waiver
An Add on cover for 20% Co-payment Waiver
See Details
Health Insurance Family Plans Details
Minimum entry age is 91 days.
No upper age limit for enrollment.
Life long Renewability of policy under the prevailing health insurance product or its nearest substitute approved by IRDAI.
Co-payment - While buying or renewing a policy at age 61 years and above, customers will have the choice to include or exclude the co-payment feature that implies -
Continuing the policy with 20% co-payment
Continuing the policy without 20% co-payment by opting for a waiver benefit.
Premium to be paid on renewal and the subsequent continuation of cover are subject to change with prior approval from IRDA.
30 days waiting period for claim for all illnesses, except injury.
Grace period of 30 days to renew your policy once it expires.
Any diagnosis of diseases / undergoing of surgery / occurrence of event, whose signs or symptoms first occur within 30 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
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.
For complete list of exclusions please refer to policy TnC
STEP 1
Emergency
Intimate within 24 hours of your hospitalization
Planned Hospitalization
Intimate us 48 hours prior to your hospitalization
STEP 2
Cashless
Request for pre-authorization
Reimbursement
Claim from submission
Complete the pre-authorization form available
at the hospitals insurance/TPA Desk and send us through fax.
Approval
Approval letter sent by the claim management team
Query
Hospital/Insured to response to the query raised by the claim management team
Rejected
You may initiate the treatment and file for reimbursement claim
Submission of claim form along with required
documents, as per the policy terms & conditions
Approval
Approval letter sent by the claim management team
Query
Insured to response to the query raised by the claim management team
Rejected
We will communicate the reason in case of rejection
22900+ HEALTH CARE PROVIDERS SERVE CASHLESS MEDICAL SERVICES ACROSS THE GLOBE
Look for hospitals around you
Voice of our Customers
Mahendra Kumar
My wife got a knee injury and hospitalized for a week. Most of the hospitalization expenses were covered under the family floater policy. The claim settlement was quick and hassle-free. Happy with the services.
Narang Sahu
Good Customer Care Service. Highly recommend it to friends and family.
Ajeet Pai
I am happy with the Care- Health Policy from Care Health Insurance. I got the call back in just 5 min, and Mr. Rajan was very helpful during the entire buying process. Good Job!
Sulekha Bhardwaj
My search for the most comprehensive family health insurance ends here. Mr. Rama was very helpful and explained the policy features in detail. Premium is affordable, and we now feel secure! Thanks, Care Health Insurance.
Shaila Gupta
Recently purchased care -health plan online from the website. It is very much pocket-friendly. Good Customer Service by Nadeem! All questions were answered promptly.
My appreciation for your prompt service
Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!
Rahul Sangwan
Health Insurance
We will continue to avail of your scheme
I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.
Samanway Barik
Health Insurance
Everything went very smooth
Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.
Soubhagya K Kulkarni
Health Insurance
Really helpful explaining the process in advance
Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.
Vaibhav Rai
Health Insurance
Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance is one of the renowned health insurers serving this industry for quite a long time. Health insurance policies offered by the insurer are designed keeping the needs of the customers in mind. . CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible comprehensive coverage. With a robust number of 21100+ cashless hospitals, 95.2% CSR ratio and more than 30 lakh claims settled till date, Care Health Insurance no doubt can be a good choice for addressing your health insurance needs.
Awarded as Best
Health Insurance Company of the year^
38 Lakh+ Claims Settled*
22900+
CASHLESS HEALTHCARE PROVIDERS^^
^India Insurance Summit & Awards 2023
FAQs on Family Insurance Plans
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Most Frequently Asked Questions
Q.Is there a cashless facility with Care family insurance plans?
Yes, at any of our cashless healthcare providers, you can avail cashless facility with our best mediclaim policy for families.
Q.Who can be covered under Care’s family health insurance policy?
You can cover yourself, your spouse, dependent children, and your parents under the family health insurance policy.
Q.Do my family members or I need to undergo a Medical Check-Up while buying a Care family mediclaim policy?
You may be required to undergo a medical check-up while buying Care health insurance mediclaim for the family if any member insured is above 45 age or for a sum insured of Rs. 15 Lakhs or above.
Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.