In addition to providing health insurance services, Care Health Insurance (formally known as Religare Health insurance) offers financial inclusion services as well. A key tenet of CHI's operating philosophy is its commitment to delivering excellence in customer service, product innovation, and value-for-money services through the effective use of technology. Retail products offered by Care Health Insurance include Health Insurance, Critical Illness Coverage, Personal Accident Coverage, Top-up Coverage, International Travel Insurance, and Maternity Coverage. Group products include Group Health Insurance and Group Personal Accident Insurance.
Features & Benefits of Care Health Insurance
- Insured amount - Up to Rs.6 crore is insured with Care Health Insurance.
- The renewal process - Care Health Insurance offers lifelong renewal options for its health insurance policies.
- A cashless hospitalization system - There are 8350+ cashless hospitals and 15500+ cashless healthcare providers available to insured members.
- Restore the benefit - When your insurance coverage is exhausted, the sum insured will be automatically recharged at no additional charge.
- Bonuses for no-claims - With the No Claim Bonus, the sum insured increases by 100% for every year without a claim. The company reimburses ambulance expenses
- Checkup for health - The super annual health check-up is available to insured members regardless of their claim history.
- Process for filing a claim - There is no third party involved with Care Health Insurance. Direct claim settlement is hassle-free with the company.
- Payment of premiums - Health insurance premium payments can be made online through the company's website, so there is no paperwork to fill out.
- Coverage under insurance - There is no sub-limit on vital expenses, and there is no co-payment up to the age of 60 for pre- and post-hospitalization expenses
1. Care Advantage plan - You and your family have adequately covered with Care Advantage's comprehensive medical insurance policy up to Rs. 1 crore. If you are hospitalized for more than 24 consecutive hours, the policy covers your hospitalization expenses. This policy can be purchased individually or as floater by people over the age of 18 or their family members. Depending on your budget and other needs, you can purchase a policy for 1 year, 2 years, or 3 years. Fortunately, this policy has no maximum entry age restriction. The policy covers a variety of expenses, including inpatient hospitalization expenses, pre-hospitalization, and post-hospitalization expenses, organ donation expenses, and daycare expenses. The policy offers other benefits such as automatic restoration of the sum insured, a No Claim Bonus of up to 50% for every year without a claim, a free look period, and a grace period.
2.
Care joy plan - The Miracle of Life is one of the most overwhelming experiences in life. There are many enjoyable moments and sudden spouts of worries and concerns that come with being a mother or a parent. In such a situation, Care Health Insurance Joy Plan can be of great assistance to you. From delivery to post-natal expenses, this plan covers all other expenses related to your new baby. In summary, this plan combines hospitalization and maternity coverage in an ideal way.
3.
Care Freedom plan - As its name suggests, Care Freedom Policy provides you with healthcare coverage without worry. Care Freedom 1 and Care Freedom 2 are the two variants of the policy. It is 18 years of age for adults to enter the policy and 90 days of age for children to enter. However, in the second variant, the minimum age to enter the policy is 46 years for the eldest insured person (on a floater basis), 18 years for other adults, and 90 days for children. This policy requires a minimum age of 18 for the proposer. The policy can be purchased either individually or as a family floater (up to six members). One of the highlights of the policy is that it does not require a medical check-up before the policy starts, is lifelong renewable, has tax benefits under Section 80D of the Income Tax Act, 1961, allows cashless treatment, settles claims directly with the insurer, provides annual health checks for all insured individuals as adults, and has a 2-year waiting period for pre-existing diseases. As well as this, the policy offers a variety of coverage features in order to keep the insured protected at all times. Expenses such as pre-hospitalization, post-hospitalization, road ambulance, lodging, etc., are covered. At your convenience, you can purchase a policy for one year, two years, or three years. You should, however, consider buying it for a longer period of time to avoid frequent renewals.
4.
Care senior plan - Medical insurance for seniors is affordable with Care Senior Plan by Care Health Insurance (Religare). There are two types of coverage available: individual and floater. There are four sum assured options available: Rs. 3 Lakh, Rs. 5 Lakh, Rs. 7 Lakh, and Rs. 10 Lakh. With no-claim bonus and no-claim bonus super options, you can increase your sum assured by up to 150%. It is an optional cover to have a no-claim bonus super. This policy does not require a medical checkup prior to purchase. It covers doctor consultations, diagnostics, and pharmacy expenses up to Rs. 5000 per policy year as an additional benefit. The SMART SELECT benefit can also be opted out under this plan, resulting in a 15% increase in premium.
5.
Care heart plan - Indemnity-oriented Care Heart Plan by Care Health Insurance (Religare) covers the actual medical costs incurred in the event of a medical emergency requiring hospitalization and treatment. Unlike other indemnity health plans, this plan provides free annual heart-related health screenings. In this way, the plan allows policyholders to prevent heart-related ailments by allowing them to have regular health check-ups. It offers both inbuilt and optional coverage benefits. With the inbuilt benefits, the policyholder gets all-around coverage while the optional benefits can be chosen according to their coverage needs. With this plan, you can select custom coverage options and four different sum insured options. Two lakh, three lakh, four lakh, five lakh, seven lakh, and ten lakh are sum insured options.
6.
Care Enhance plan - A super top-up health insurance policy, Care Enhance covers you for illnesses whose treatment expenses tower above your expectations and are too critical to ignore. Enhance 1 and Enhance 2 are the two variants of this policy. Their coverage benefits differ as well as their sum insured and deductible options. For Enhance 1, you have a choice of the sum insured between Rs. 1 lakh and Rs. 30 lakh, while for Enhance 2, you have a choice between Rs. 45 lakh, Rs. 30 lakh, and Rs. 55 lakh. Until 50 years of age, there is no requirement for a pre-policy medical checkup if the deductible and sum insured combined do not exceed Rs. 40 lakh. Additionally, you can receive selected medical treatment worldwide with Enhance anywhere. Thousands of leading hospitals across India are covered under the policy, so treating patients cashlessly is hassle-free. In-patient care, daycare expenses, pre-hospitalization, and post-hospitalization expenses are some of the coverage benefits you can take advantage of if covered by the policy. Additionally, the policy provides floater coverage as well as tax benefits based on Section 80D of the Income Tax Act, 1961.
