Care Health Insurance Benefits: Affordable Plans & Easy Claims

Care Health Insurance, formerly Religare Health Insurance, was founded in 2012. The company has settled over 38 lakh claims and has a claim settlement ratio of 95%. A customer base of over 6 crore. Care Health has been known to settle claims fast because of its wide network of 22900+ healthcare providers. Having this wide range of network hospitals helps settle claims faster without the customer paying any upfront amount and waiting for their reimbursement.

Care Health Insurance covers regular and modern treatments and surgeries. AYUSH treatment is also a part of their coverage providing financial safety to their customers in all areas and allowing them a choice in their preferred treatment. Annual health check-ups to keep their policyholders fit and healthy are important to them. Care Health is a customer-centric company that helps its customers with their needs and fulfills their requirements regarding medical emergencies.[1]

Care Health Insurance Benefits

The following are a few of the unique features offered under Care Health Insurance policies:-[2]

• Comprehensive Health Insurance Policy:- Care Health Insurance provides coverage to their customers in many areas like, pre and post-hospitalisation, AYUSH treatments, modern treatments, etc. This shows their determination to help the customers with their financial burdens in tougher times.
• Affordable Plans:- They provide customers with affordable plans that will match their budget while covering their needs. Customers can customize their plans according to their requirements and still stay within their budget.
• An array of Options:- Care provides its customers with various options to customize their plans. Care Health believes in helping customers with their needs because every individual has different requirements based on their health. Individuals should be able to choose the add-ons of their plans accordingly. The number of add-ons provided by Care Health is numerous giving the customers options to select from.
• Wide Network of Hospitals:- Care Health Insurance has a network of over 22900 health care providers. This helps policyholders get claims faster and they do not have to pay any amount out-of-pocket. Getting cashless claims makes it even easier for the policyholders financially and with a wide range of network hospitals under them Care can provide customers with this benefit.
• Easy Claim Procedure:- The availability of both online and offline claim filing options makes the lives of customers easier and faster. Getting approval on the claims and settling them becomes quick with both online and offline options.
• Add-on Benefits:- Care Health provides several add-ons to their customers to help customize their plans according to their needs. Providing quality medical service is of importance to them. Air ambulance cover, claim shield, health check-ups, no-claim bonus, reduction in pre-existing disease waiting period, etc. are a few of the add-ons provided by Care Health.

Unique Features of Buying Care Health Insurance

Given below are a few of the benefits of buying Care Health Insurance:-[2]

• COVID-19 Treatment:- Care Health is one of the very few insurance companies that provide coverage for Covid-19 treatments. All the expenses related to coronavirus treatments like hospitalisation, doctor’s fees, medication expenses, etc. are covered by Care Health according to the terms of the policy.
• Advanced Medical Treatments:- Treatments including robotic surgeries, modern treatments, chemotherapy, etc. are an added benefit provided by Care Health to its customers. 
• Daily Allowance:- A fixed amount is provided by Care Health to their policyholder while they are hospitalised to cover everyday expenses like medication. This is yet another added benefit that makes the customer worry less. 
• Domiciliary Hospitalisation:- Coverage of medical expenses for policyholders who are unable to get to the hospitals and get their treatment at home due to medical emergencies is also a benefit provided by Care Health. Providing the medical fees of doctors, nurses, treatments, etc. is covered under this benefit according to their policy.

FAQs

1. What are the benefits of Care Shield?

Ans:- The Care Shield Rider Plan involves the coverage of expenses like gloves, oxygen masks, crepe bandages, ambulance equipment, thermometers, etc. These expenses are not a part of inclusions under the base policy so Care Health provides this coverage through their rider plan.

2. What is OPD in Care Health Insurance?

Ans:- OPD means the Out-Patient Department where the policyholder can visit the hospital for doctor consultations, pharmacy, diagnosis, etc. and these costs will be covered under OPD. The patient may not require hospitalisation in these cases.

3. What is Smart Select in Care Health Insurance?

Ans:- The policyholders have the benefit of no co-payment in the Care Smart Select network hospitals under this benefit.

4. What is unlimited automatic recharge in Care Health Insurance?

Ans:- If the sum insured is exhausted during a policy year then the policyholder has access to automatic recharge to their sum insured. Care provides this benefit as a cover under their plan and offers an unlimited automatic recharge during a policy year without any extra pay.

5. What is the CSR of Care Health Insurance?

Ans:- The claim settlement ratio (CSR) of Care Health Insurance is 95.2%. This ratio shows the amount of claims settled by the insurer.

References:

[1]https://www.careinsurance.com/

[2]https://www.careinsurance.com/health-insurance/