• Up to 600% Increase in Total Coverage*
• Unlimited Automatic Recharge for Related & Unrelated Illnesses
• Earn up to 30% Discount on Renewal^#
• Up to 100% of Sum Insured on Ambulance Cover**
• Unlimited E-consultation with General Physician^{^}
• No reduction in Cumulative Bonus even if you claim
• Up to 60 days pre hospitalization and 180 days post hospitalization coverage
• AYUSH treatment coverage up to 100% of Sum Insured
• Coverage for treatment expenses at home up to 100% of Sum Insured under - Domiciliary Hospitalization
• Advance technology methods covered up to 100% of Sum insured
• Pay the premium as per the city you live in
• Tax Benefits under Section 80D of IT Act 1961^##

^{*Up to 100% due to Cumulative Bonus and Up to 500% with Cumulative Bonus Super (Optional Cover) for 5 consecutive years. #Through Active days fitness program under Wellness Benefit (Optional Cover). **100% of SI available only for ₹ 15 Lakh and above SI on road ambulance, For SI below ₹ 15 lac – up to ₹ 10,000. ^As per the empanelled list of general physician within the company network. ^^Disease Management Program (DMP) is offered to customers diagnosed with Hyperlipidemia and diabetes under add-on policy ‘Instant Care’ which is pre-added in the sales preposition.  ##As per section 80D of Income Tax Act, an Adult (aged between 18 & 60 years) can save tax on a premium paid by him/her up to ₹ 25,000 for his & his  family’s policy & up to ₹ 50,000 for his/her senior citizen parents (aged 60 years & above). Tax Benefits under the policy will be as per the prevailing Income Tax laws and are subject to amendments from time to time. For tax related queries, contact your independent tax advisor.}

• Entry Age – Minimum - Adult: 18 Years, Child: 90 Days
• Entry Age – Maximum - Adult: Lifelong, Child: 24 Years
• Exit Age - Adult: Lifelong, Child: 25 Years
• Lifelong Renewability
• Cover Type - Individual: max up to 6 persons | Floater: max up to 2A2C
• Tenure Options - 1/2/3 Years
• ICU Charges - Up to SI
• Waiting period
  • Initial waiting period - 30 days  for any illness (except accidental injury)
  • Named ailment waiting period - 24 months of continued coverage
  • Pre-existing disease waiting period - 36 months of continued coverage

Key Exclusions

• Any item or condition or treatment specified in List of Non-Medical Items.
• Taking part or is supposed to participate in a naval, military, air force operation or aviation in a professional or semi-professional nature.
• Treatment taken from anyone who is not a Medical Practitioner or from a Medical Practitioner who is practicing outside the discipline for which he is licensed or any kind of self-medication.
• Charges incurred in connection with routine eye examinations and ear examinations, dentures, artificial teeth and all other similar external appliances and / or devices whether for diagnosis or treatment
• Alopecia wigs and/or toupee and all hair or hair fall treatment and products.
• War (whether declared or not) and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainment of all kinds.
• Act of self-destruction or self-inflicted Injury, attempted suicide or suicide while sane or insane or Illness or Injury attributable to consumption, use, misuse or abuse of tobacco, intoxicating drugs, alcohol or hallucinogens.

For complete exclusions please refer to the product Policy Terms and Conditions.

Re-imbursement Claim Process

• You can register your claim online by scanning & uploading the claim documents at the Care Health Insurance ‘Self-Help Portal’ Link- https://www.careinsurance.com/self-help-portal.html or download the Care Health-Customer App to be able to do the same.
• As per the product you are insured with, download the re-imbursement claim form & submit online- https://www.careinsurance.com/health-insurance-claim-forms.html or download the Care Health-Customer App to be able to do the same.
• Upload a personalized name printed cancelled cheque in name of employee for corporate policy and in name of proposer for individual policy.
• In event of employee’s/proposer’s demise – cancelled personalized cheque (name printed) of nominee, ID proof of nominee & legal heir certificate.
• You are requested to scan & upload the following documents received from your hospital. Also submit additional documents, if any.
  • Original discharge summary
  • Original final hospital bill with item wise break-up
  • Original paid receipt against the final hospital bill
  • For Accidental cases
    1. MLC/FIR copy (if applicable)
    2. Alcohol history (if applicable)
  • Investigation reports (like X-Ray/MRI/CT Scan etc)
  • Attested copy of indoor case papers
  • In case of implant surgery, invoice & sticker
  • For all claims amounting Rs.1 lakh or above please provide copy of any one of these KYC documents (Aadhaar Card, Passport, Driving Licence Voter ID, etc). Please ensure that the address on KYC documents is matching with the Policy address.

Cashless Claim Process

1. To locate the nearest cashless network visit https://www.careinsurance.com/health-plan-certified-network-hospitals.html or download the Care Health-Customer App by clicking here https://bit.ly/3iI2ZfJ.
2. Contact hospital insurance help-desk or billing counter with a copy of patient’s medical ID card, e-health card, pre-authorization form along with valid Govt. ID proof. You can easily access your e-card anytime, anywhere by downloading the Care Health-Customer App.
3. Submitted documents are shared by the billing counter/TPA desk with us, seeking pre-authorization approval.
4. In case any information is incomplete/ missing; we may contact hospital for the same.
5. Pre-authorization decision will be given by us post review as per policy terms and conditions.
6. Post treatment discharge summary and other related documents are submitted by the hospital/TPA to us for final approval.
7. We assess the bills basis the sum insured and plan terms & conditions to settle the bill directly with the hospital.