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Care Assure Health Insurance

239 reviews Rate This
Care Health Insurance
Assure
Cashless Approval TAT2 hr Cashless Claim Processing
Claim Settlement Ratio95.22%
Network Hospitals21,100+
Pre-existing Disease Coverage FromDay 1
Special BenefitsNo Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs coverageRs. 546/month

About Care Assure Health Insurance

Assure Plan by Care Health Insurance (Religare) is a fixed-benefit medical insurance plan which pays a lump sum benefit in case of a claim. The plan covers critical illnesses as well as personal accident contingencies in one. A range of critical illnesses is covered under the critical illness insurance cover provided by the plan. Under the personal accident insurance cover, accidental death and permanent total disablement are covered along with other coverage benefits.

The plan has no survival period clause meaning that the claim would be payable as and when the insured gets diagnosed with any one of the covered critical illness. There are the various sum insured ranges starting from Rs. 5 Lakh and going up to Rs. 1 Crore to ensure optimal coverage. Free health check-ups and medical second opinion are also provided as value-added coverage benefits. These benefits are provided free of cost. Policyholders can also choose a policy term of 1, 2 or 3 years as per their coverage requirements.

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Key Inclusions and Exclusions of the Plan

What's Included

  • 100% sum insured payable in case of accidental death
  • Child Education Cover of 10% of the sum insured in case of accidental death or total permanent disability
  • Medical second opinion in case of a critical illness
  • Cover for 20 critical illnesses like cancer, stroke, etc.
  • Payment of the full sum insured in case of total permanent disablement due to an accident

What's Not Included

  • Any disease, surgery or medical complication within the first 90 days of buying the policy
  • Expenses incurred due to substance abuse, HIV, AIDS, maternity-related causes, etc.
  • Pre-existing diseases are not covered under the plan
  • Expenses incurred due to self-inflicted injuries are not covered
  • Congenital ailments are excluded

6003 Care Cashless Network Hospitals in India

Choose Care Health Insurance Critical Illness Plan

Assure User Reviews

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Care Assure Expert Review

  • Expert Review

    Religare Assure is a fixed benefit health insurance plan which covers critical illnesses as well as personal accident contingencies. The plan pays a lump sum benefit in case of a claim which helps the policyholder meet any unexpected financial obligations that arise due to the contingency. Coverage under the plan is comprehensive and unique as two specific coverage benefits are combined to offer you an umbrella cover.

    The plan can be taken on an individual basis by adults aged 18 years and above. The maximum entry age is 65 years. In terms of the coverage level offered, a flexible range of sum insured options are available to choose from. Coverage starts from Rs. 5 Lakh and can go up to Rs. 1 Crore. With such flexible coverage levels, you can buy the most suitable plan as per your requirements.

  • Major Attractions

    The plan is a combination of a critical illness plan and a personal accident plan. It pays a fixed benefit in either of the coverage contingencies. Coverage under the plan includes the following –

    • 20 critical illnesses are covered
    • The sum insured is paid in a lump sum if the insured suffers from any of the covered illnesses
    • The full sum insured is paid in a lump sum if the insured dies in an accident or suffers from total permanent disablement due to an accident
    • Free health check-ups are allowed every year for the insured
    • A medical second opinion is available free of cost if the insured suffers from any of the covered critical illnesses
    • 10% of the sum insured is paid in a lump sum as a child education benefit if the insured suffers from a critical illness, accidental death or disablement
    • There is no survival period for the payment of critical illness claims. Claims are paid as soon as the insured is diagnosed with a covered illness
    • Pre-entrance medical screening if the insured is aged more than 45 years and/or sum insured is more than Rs. 10 Lakh
  • What’s More?

    If coverage against critical illnesses and accidental emergencies were not enough, the plan also offers the following benefits –

    • The plan is available with coverage tenures of up to 3 years
    • The premiums that you pay would be allowed as a deduction under Section 80D up to Rs. 25,000
    • The plan can be renewed lifelong without any difficulties
    • Free-look cancellation period of 15 days
  • Conclusion

    Religare’s Assure is a unique health insurance plan because it provides two in one coverage benefits. That is why if you are looking for insurance against critical illnesses and accidental emergencies, you would not have to buy two separate plans as Assure provides both these coverage benefits. The plan is, therefore, good and has affordable premiums which add to its appeal.

    To buy the plan you can choose the online medium which lets you buy the policy instantly. InsuranceDekho website is one such online portal which allows you to buy the plan easily. You can also seek help from the representatives of the website who guide you with their expertise so that you buy the best policy. So, choose InsuranceDekho website and be rest assured of getting the best coverage under the plan.

Care Assure Brochure

  • 274.59 KB
  • PDF Document
  • May 28, 2019

Claim Process at Care Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Assure Health Insurance Plan

  • When is the health check-up available under the plan?

    Free health check-ups are available under Religare Assure every year.

  • Is there any provision for free-look cancellation?

    Yes, the policy provides policyholders a period of 15 days after buying the policy for cancelling it if they like. 
     

  • Does the premium payable for the plan qualify for tax deductions?

    Yes, premiums paid towards Religare Assure are allowed as a deduction under Section 80 up to Rs. 25,000.

  • What are the sum insured options available under the plan?

    The plan offers various sum insured options which are Rs. 5 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh, Rs. 30 Lakh, Rs. 50 Lakh, Rs. 75 Lakh and Rs. 1 Crore.

  • What is the eligibility criterion to buy the policy?

    To buy Religare’s Assure, the minimum entry age is 18 years, and the maximum entry age is 65 years. 

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