Care (Health Insurance Product) - Brochure

One
Family.
One
Health
Insurance.
A new-age
comprehensive Health
Insurance plan.
FOR WORRY FREE TODAY AND
TOMORROW
Your main concern should be getting well or nursing a
loved one back to health and not hospital bills and
other related expenses. So we want to get those bills
out of your way with our simple plans and help in
getting your health and happiness back.
BREAK THROUGH ADVANTAGES

In addition to hassle-free claims, we believe you
deserve distinct benefits for choosing , and they
come your way in the form of thoughtfully designed
product & service features:
• Wide range of Sum Insured options of up to

INR 75 Lakhs**
• Covers non-allopathic treatments like Ayurveda,

Homeopathy, Unani & Sidha up to a specified limit &
varies with plan chosen
• Comes with an In-built maternity cover of up to

INR 1 Lakh available with sum insured options of
INR 50, 60 & 75 Lakhs
• Automatic recharge of Sum Insured if claim amount

exhausts your coverage (this feature can be availed
unlimited times by availing “Unlimited Automatic
Recharge (Optional Cover))”
• Covers more than 540 day care treatments
• Option to avail personal accident cover
• No upper-limit entry age for any of our plans
• Up to 150% increase in Sum Insured with No Claim

Bonus and No Claim Bonus Super(Optional Cover) in
5 consecutive claim free years*
* Incremental increase every year is applicable on base Sum Insured.

If a claim is made in any particular year, accrued NCB and NCB-Super
will be reduced at the same rate at which it is accrued.
** Higher Sum Insured options are also available
CORNERSTONES
In-patient Floater Domiciliary Daily

Care Cover Hospitalisation Allowance
Ambulance Organ Health No Claims

Cover Donor Cover Check-up Bonus
Second Pre & Post Lifelong Tax

Opinion hospitalisation Renewability Benefit
SIMPLE WE TREAT YOUR FAMILY

AS ONE
Forget individual health insurance plans for your
family members. Under the ‘floater’ plan, you can
cover any member of your immediate family
(yourself, spouse, parents, children or other eligible
relationships having an insurable interest) for the
sum insured in a single policy.
MAKE THE MOST OF WHAT WE OFFER

To make the process of renewing your health
insurance more convenient, choose a policy with a
term of one, two or three years. What’s more! Avail a
discount on your premium if you opt for a longer
policy term.
CASHLESS TREATMENTS
Concentrate only on your recovery and relieve yourself
from the worry of arranging for funds. Leave the bill
payment arrangements to us with cashless
hospitalisation.
DIRECT CONVERSATIONS TO
SETTLE CLAIMS
We back up our promise with an enduringly simple
claim procedure, which involves just you and us with a
network of leading hospitals pan India.
• In the case of an emergency or a planned

hospitalisation, all you have to do is present the Care
Health Card along with some simple documents at
our network of more than 8000+ leading hospitals
pan India and avail cashless service.
• In case of reimbursement of expenses when you use

a non-network hospital, all you need to do is notify
us immediately about the claim. Call us directly,
send us the specified documents and we’ll process
your claim.
HOSPITALISATION FOR AT LEAST

24 HOURS
If you are admitted to a hospital for in-patient care,
for a minimum period of 24 consecutive hours, we
pay for – room charges, nursing expenses and
intensive care unit charges to surgeon’s fee, doctor’s
fee, anesthesia, blood, oxygen, operation theater
charges, etc.
HOSPITALISATION FOR LESS THAN

24 HOURS
We also pay for your medical expenses if you
undergo a specified day care treatment at a hospital
that requires hospitalisation for less than 24 hours.
DOMICILIARY HOSPITALISATION
We will reimburse the medical expenses incurred by
you during your treatment at home within India, as
long as it involves medical treatment for a period
exceeding 3 consecutive days and had actually
merited hospitalisation.
30 DAYS PRE-HOSPITALISATION
Sometimes the procedures that finally lead you to
hospital, such as investigative tests and medication,
can be quite financially draining. We cover the
medical expenses incurred by you up to 30 days
before your hospitalisation.
60 DAYS POST-HOSPITALISATION
Expenses don’t end once you are discharged. There are
follow-up visits to your medical practitioner, medication that
is required and sometimes even further confirmatory tests.
We cover the medical expenses incurred by you up to 60
days after your hospitalisation.
AMBULANCE COVER
Incase of an emergency should you require an ambulance,
we offer coverage for that as well.
DAILY ALLOWANCE
A trip to a hospital involves more than merely using the
doctor’s services and hospital facilities. We reimburse those
out-of-pocket expenses too as ‘Daily Allowance’ - a lump
sum per day for each day of hospitalisation for a maximum
of 5 days.
EXTRA CARE WITH NO CLAIMS BONUS – SUPER*

If you do not claim your health insurance policy in a
particular year, we raise a cheer to your good health in the
form of a substantial bonus. You receive an increase of 50 %
in your sum insured for every claim free year, up to the
maximum of 100 % of the sum insured with optional cover
NCB-Super. In addition to this, you also get a 10% increase
in the sum insured, up to maximum of 50%, as per the
regular No Claims Bonus feature.
Illustration - No Claims Bonus + No Claims Bonus - Super (in ` lacs)
Year 2 Year 3 Year 4 Year 5 Year 6
Sum Insured 5 8 11 11.5 12
NCB 0.5 0.5 0.5 0.5 0.5
NCB Super* 2.5 2.5 - - -
Total Sum Insured 8 11 11.5 12 12.5
Note: Assuming no claims for 5 consecutive years on SI 5 Lac

*Optional Cover available on payment of additional premium
If a claim is made in any particular year, accrued NCB and NCB-Super will be reduced at the
same rate at which it is accrued
ANNUAL HEALTH CHECK-UP WITHOUT ANY

AGE CONSTRAINTS
Our concern is your good health, that’s why we provide you
with an annual health check-up for yourself and all members
covered by your policy, including children.
GET TAX BENEFITS *
Opting for health insurance is certainly a step in the
right direction, and it comes with a two-fold benefit.
Not only does it ensure that you and your family can
access good medical care at all times, it also enables
you to avail of a tax benefit on the premiums you pay
towards your health insurance, as per the prevailing
tax laws of the Income Tax Act, 1961 (u/s 80D).
*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.
JOIN OUR FAMILY ANYTIME

Be a part of the Care family and continue to get
uninterrupted coverage with no compromises at all.
Get quality service, enhanced product features and
even a reduction in waiting period by the number of
years of continuous coverage under a similar plan with
your previous insurer.
CARE ANYWHERE
Our knows no boundaries; literally. Avail
certain listed treatments in India or abroad.
FREEDOM OF CHOICE
OF TREATMENT
No matter what type of treatment you need, we
make sure it’s covered. Alternative treatments such
as Ayurveda, Unani, Sidha and Homeopathy are now
covered for in-patient hospitalisation up to a
specified limit which varies with plan chosen.
RECHARGE YOUR SUM INSURED

A refill is always welcome! So your sum insured is
reinstated just when you need it the most. If you ever
run out of/exhaust your health cover due to claims
made, we reinstate the entire sum insured of your
policy once, which can be used for any future claims
that are unrelated to the claim made during the
same year. Not just this you can avail the benefit
unlimited number of times by opting an Optional
Cover - Unlimited Automatic Recharge. Our
knows no limits; we are there for you, hamesha!
ORGAN DONOR COVER
We care about those who help you as much as we care
for you. So, beyond ensuring that your medical needs are
met, we will reimburse you for medical expenses that are
incurred by an organ donor while undergoing the organ
transplant surgery.
GET A SECOND OPINION

We take your illness as seriously as you do. If you are
suffering from a serious illness and feel uncertain about
your diagnosis or wish to get a second opinion of an
expert/doctor, we arrange one for you.
HAVING SECOND THOUGHTS?

NO PROBLEM
We recognise that you know your needs best. Hence,
after purchasing the policy, if you find it unsuitable, you
can cancel and return the policy to us. Our policies come
with a free-look period of 15 days from the date of
receipt of the policy.
NO UPPER-LIMITS ON CERTAIN EXPENSES

We believe that you should be free to decide how to
spend your health insurance cover towards getting the
best possible medical care. As far as we’re concerned, it
is your money. So our plans come without any cap on
certain expenses like doctor/surgery fees, operation
theater & allied charges, to name a few.
BENEFITS TABLE
Features 3L&4L 5 L, 7 L, 10 L 15 L, 20 L, 50 L, 60 L &
(Sum Insured Lacs) 25 L, 30 L & 75 L
40 L
Pre- Hospitalisation 30 days 30 days 30 days 30 days
Post- Hospitalisation 60 days 60 days 60 days 60 days
Day Care Treatments Yes Yes Yes Yes
Room Rents Upto 1% of Single Single Private Single Private

SI per day Private Room Room upgradable Room upgradable
to next level to next level
ICU Charges Upto 2% of No Limit No Limit No Limit

SI per day
Doctor’s Fees Etc. No Limit No Limit No Limit No Limit

Daily Allowance 500 per day - - -
upto 5 days per
hospitalization
Ambulance Cover Upto `1,500 per Upto `2,000 per Upto `2,500 per Upto `3,000 per
Hospitalization Hospitalization Hospitalization Hospitalization
Domiciliary -Upto 10% Upto 10% Upto 10% Upto 10%

Hospitalisation of SI of SI of SI of SI
Organ Donor Cover Upto Upto Upto Upto

50,000 1,00,000 2,00,000 3,00,000
Annual Health Yes Yes Yes Yes

Check-Up
Second Opinion Yes Yes Yes Yes
No Claims Bonus Upto 150%* Upto 150%* Upto 150%* Upto 150%*
of SI of SI of SI of SI
Recharge Of Upto SI Upto SI Upto SI Upto SI

Sum Insured
Care Anywhere - - - Yes
Maternity Cover - - - Yes
Alternative Treatment Yes Yes Yes Yes
Inclusive of No Claims Bonus-SUPER.
MATERNITY COVER
Being a parent is the most precious moment in life and
such moments call for a celebration. That is why, with Care
comes with a maternity cover of up to INR 1 Lakh with sum
insured options of INR 50, 60 & 75 Lakhs.
NON-INCLUSIVES
• Any pre-existing ailment/injury that was diagnosed/acquired
within 48 months prior to issuance of the first policy
• Any diseases contracted during first 30 days of the policy start

date except those arising out of accidents
• Expenses attributable to self-inflicted injury (resulting from

suicide, attempted suicide)
• Expenses arising out of or attributable to alcohol or drug

use/misuse/abuse
• Cost of spectacles/contact lenses
• External Congenital disease
Remember, there are some treatments such as non-infective

arthritis, joint replacement etc., which are covered only after
completion of 2 consecutive policy years.
For a detailed set of exclusions, please log on to

www.careinsurance.com
Minimum entry age Individual : 5 years ; Floater : 91 Days with at least 1 Insured
Person of age 18 years or above
Minimum entry age No age bar
Renewal Lifelong renewability
Renewal premium Premium payable on renewal and on subsequent continuation of

cover are subject to change with prior approval from IRDAI.
Co-payment If your age is 61 years or more, we provide you an option to

choose for co-payment of 20% per claim (over & above any other
co-payment, If any) which applies to you. We pay the rest.
Initial Waiting period 30 days for any illness except injury
Waiting period for Four years of continuous coverage

pre-existing illnesses
Change in sum insured You can modify your sum insured under the policy only
upon renewal
Grace period 30 days from the date of expiry to renew the policy
ABOUT US
Care Health Insurance

(Formerly Religare Health Insurance Company Limited)
Care Health Insurance is a specialized Health Insurer offering

health insurance services to employees of corporates,
individual customers and for financial inclusion as well. With
Care Health Insurance’s operating philosophy being based on
the principal tenet of ‘consumer-centricity’, the company has
consistently invested in the effective application of technology
to deliver excellence in customer servicing, product innovation
and value-for-money services.
Care Health Insurance currently offers products in the retail
segment for Health Insurance, Critical Illness, Personal
Accident, Top-up Coverage, International Travel Insurance and
Maternity along with Group Health Insurance and Group
Personal Accident Insurance for corporates.
The organization has been adjudged the ‘Best Health Insurance
Company’ at the ABP News-BFSI Awards 2015 & ‘Best Claims
Service Leader of the Year – Insurance India Summit & Awards
2018. Care Health Insurance has also received the ‘Editor’s
Choice Award for Best Product Innovation’ at Finnoviti 2013
and was conferred the ‘Best Medical Insurance Product Award’
at The FICCI Healthcare Awards 2015.
Care Health Insurance Limited
(Formerly Religare Health Insurance Company Limited)
Registered Office:
5th Floor, 19 Chawla House, Nehru Place,
New Delhi-110019
Correspondence Office:
Unit no 604 - 607, 6th Floor, Tower C, Unitech Cyber Park,
Sector 39, Gurugram -122001 (Haryana)
Website: www.careinsurance.com
Disclaimer:
This is only summary of selective features of product . For
more details on risk factors, terms and conditions please read
sales brochure carefully before concluding a sale. Please seek
the advice of your insurance advisor if you require any further
information or clarification.
Insurance is a subject matter of solicitation.
CIN:U66000DL2007PLC161503
UAN:22015132
UIN:CHIHLIP22184V062122
is a trademark of Care Health Insurance Limited.

Ver: JAN/22
IRDAI Registration Number - 148
www.careinsurance.com
Quick quote & buy Online renewals
Customer support Claim centre
REACH US @
Self Help Portal:

www.careinsurance.com/self-help-portal.html
Care Health- WhatsApp
Submit Your Queries/Requests:
Customer App 8860402452
www.careinsurance.com/contact-us.html

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One

BREAK THROUGH ADVANTAGES

• Wide range of Sum Insured options of up to

• Covers non-allopathic treatments like Ayurveda,

• Comes with an In-built maternity cover of up to

• Automatic recharge of Sum Insured if claim amount

• Covers more than 540 day care treatments

• Option to avail personal accident cover

• No upper-limit entry age for any of our plans

• Up to 150% increase in Sum Insured with No Claim

* Incremental increase every year is applicable on base Sum Insured.

In-patient Floater Domiciliary Daily

Ambulance Organ Health No Claims

Second Pre & Post Lifelong Tax

SIMPLE WE TREAT YOUR FAMILY

MAKE THE MOST OF WHAT WE OFFER

• In the case of an emergency or a planned

• In case of reimbursement of expenses when you use

HOSPITALISATION FOR AT LEAST

HOSPITALISATION FOR LESS THAN

EXTRA CARE WITH NO CLAIMS BONUS – SUPER*

Illustration - No Claims Bonus + No Claims Bonus - Super (in ` lacs)

Year 2 Year 3 Year 4 Year 5 Year 6

Sum Insured 5 8 11 11.5 12

NCB 0.5 0.5 0.5 0.5 0.5

NCB Super* 2.5 2.5 - - -

Total Sum Insured 8 11 11.5 12 12.5

Note: Assuming no claims for 5 consecutive years on SI 5 Lac

ANNUAL HEALTH CHECK-UP WITHOUT ANY

JOIN OUR FAMILY ANYTIME

RECHARGE YOUR SUM INSURED

GET A SECOND OPINION

HAVING SECOND THOUGHTS?

NO UPPER-LIMITS ON CERTAIN EXPENSES

Pre- Hospitalisation 30 days 30 days 30 days 30 days

Post- Hospitalisation 60 days 60 days 60 days 60 days

Day Care Treatments Yes Yes Yes Yes

Room Rents Upto 1% of Single Single Private Single Private

ICU Charges Upto 2% of No Limit No Limit No Limit

Doctor’s Fees Etc. No Limit No Limit No Limit No Limit

Domiciliary -Upto 10% Upto 10% Upto 10% Upto 10%

Organ Donor Cover Upto Upto Upto Upto

Annual Health Yes Yes Yes Yes

Second Opinion Yes Yes Yes Yes

Recharge Of Upto SI Upto SI Upto SI Upto SI

Care Anywhere - - - Yes

Maternity Cover - - - Yes

Alternative Treatment Yes Yes Yes Yes

Inclusive of No Claims Bonus-SUPER.

• Any diseases contracted during ﬁrst 30 days of the policy start

• Expenses attributable to self-inﬂicted injury (resulting from

• Expenses arising out of or attributable to alcohol or drug

• Cost of spectacles/contact lenses

• External Congenital disease

Remember, there are some treatments such as non-infective

For a detailed set of exclusions, please log on to

Minimum entry age No age bar

Renewal Lifelong renewability