Care Health Insurance FAQs

The maximum age to purchase a Care Health Cancer plan is 5 years for children and the maximum age is 50 years for an adult in an individual plan.

Yes, Care Health Insurance offers cashless claims to its policyholders. However, the claim type will also depend on the terms and conditions of the policyholder’s policy.

Yes, Care Health Insurance provides alternative treatments for cancer under their cancer plan. Treatments like AYUSH (Ayurvedic, Yoga, Unani, Siddha, Homeopathy) are provided as an alternative to customers so they can have a choice for preferred treatments.

Yes, the Care Cancer Plan covers both radiotherapy and chemotherapy under their coverage. However, for more details, you can connect with an InsuranceDekho advisor at +91-7551196989 or support@insurancedekho.com.

If the customer undergoes any check-ups, treatments, or diagnosis within the waiting period then the insurer will not provide them with coverage. Adhering to the waiting period is important in a health insurance plan.

If the policyholder applies for a cashless claim then Care Health settles claims at the time of discharge. However, if the policyholder applies for a reimbursement claim then it will take 15 days after the discharge for the insurer to settle the claim.

Yes, Care Health Insurance provides easy online access to track the status of the claim made by the policyholder. This helps the customer to be stress-free and helps them avoid unnecessary anxiety. Additionally, InsuranceDekho also offers complete tracking support for checking your policy status or downloading your policy document.

The documents required while filing for a claim under a Health Insurance policy are the claim form, medical certificate, diagnosis report, ID proof, discharge card, prescriptions, bills, and FIR (in case of an accident).

Contact an InsuranceDekho advisor for any problem during claim filing or settlement. The advisor will help you with your concerns at +91-7551196989 or support@insurancedekho.com.

Yes, Care Health Insurance provides a separate plan for critical illness. The Care Critical Mediclaim offers all critical illness-related treatments.

The age restrictions for purchasing a critical illness plan from Care, an individual child should be at least 5 years of age and an adult should be 18 years old. In a family floater plan the child should be 91 days to 4 years old and an adult 18 years old.

Yes, Care Health provides the benefit of waiving the waiting period for critical illness if they can pay an extra premium amount for the add-on that helps remove waiting period.

No, under the Care Health Insurance critical illness plan only an individual is covered not the entire family.

The eligibility criteria for a Care Diabetes-related plan is 18 to 65 years of age. However, children are covered under the family floater-based plan the minimum age of the child should be 91 days.

Care Health offers a separate diabetes-related health insurance plan, the Care Freedom plan. The waiting period for this plan is 24 months.

Yes, the Care Freedom Plan provides coverage for insulin. The Care Freedom plan is a diabetes-specific plan provided by Care Health Insurance.

The routine check-ups and screenings for diabetes are a benefit that is plan specific. Many plans may cover them and some may not. However, for more detailed information you can reach out to an InsuranceDekho advisor.

Yes, the waiting period for diabetes in the Care Health Insurance diabetes-specific plan is 24 months.

The policyholder can avail the benefits of in-patient hospitalisation to the amount of Sum Insured.

A family floater plan is a plan which provides coverage under a floater basis. This means a single premium amount is paid to provide cover for the entire family.

Yes, Care Health Insurance offers annual health check-up under its family floater policy to all its members.

Yes, Care Health Insurance provides the organ donor cover under the family floater plan.

Yes, Care Health Insurance family floater plans provide the coverage for daycare treatments.

Apart from the 15-day free-look period, you can apply for Care Health Insurance Policy cancellation during any time of the policy tenure. The premium will be returned to you accordingly.

Care Health Insurance had a Claim Settlement Ratio of 93% for FY 2018-19.

Yes, the policy can be taken on a floater basis. However, floater plans would only cover two adults under one policy. For dependent children the policy would have to be taken on an individual sum insured basis.

Care Health Insurance Care Heart plan can be taken for 1, 2 or 3 policy years.

Care Health Insurance offer sum insured amount for individuals from Rs. 4 Lakh to Rs. 6 Crore.

You might need to go for a pre-medical screening before buying an insurance plan if you are 45+ years or the sum insured amount of your plan is above Rs. 15 Lakh.

Yes, Care Health Insurance offers a free look period with every individual health plan to review the policy. If you are not satisfied with the policy, you can generate a cancellation request for your individual insurance policy during this period.

Yes, you can get tax benefits on the premium amount of every individual health insurance policy by Care Health Insurance under the Income Tax Act 1961.

Care Health Insurance provides the coverage for kids from the age of 91 days.

Yes, more than 540-day care procedure coverage are offered by Care Health Insurance for kids.

No, the Care Health Insurance plan covering the kids applies no co-payment option on them. The co-payment option exists only for people with more than 61 years of age.

Yes, Care Health Insurance offers coverage for newborn baby up to Rs. 30,000 for Rs. 3 Lakh Sum Insured and up to Rs. 50,000 for Rs. 5 Lakh Sum Insured.

The maternity-related expenses covered by Care Health Insurance are prenatal care, postnatal care, delivery, sonograms, tests, medicines, etc.

The waiting period for maternity-related coverage under Care Health Insurance is 9 months after which the policyholder gets the medical expenses covered.

The waiting period for maternity-related coverage under Care Health Insurance is 9 months after which the policyholder gets the medical expenses covered.

The maternity-related expenses covered by Care Health Insurance are prenatal care, postnatal care, delivery, sonograms, tests, medicines, etc.

Yes, you can purchase a maternity-related plan while pregnant, however, the coverage will only be accessible after the waiting period for maternity is over.

Yes, Care Health Insurance provides coverage to pre-natal, and post-natal check-ups, and delivery charges after the waiting period for them is over.

Yes, the policyholder has access to both normal and cesarean deliveries under Care Health Insurance.

Yes, Care Health Insurance provides medical coverage for the newborn under its maternity plans.

Yes, for claiming no bonus, Care Health Insurance increases the Sum Insured amount of parents by 10%, up to a maximum of 50% in consecutive 5 years.

Yes, Care Health Insurance gives a lifetime renewability feature under the plans covering your parents to make them covered for lifelong.

Yes, Care Health Insurance offers the domiciliary hospitalisation feature for your parents.

No, Care Health Insurance does not offer any specific plans for athletes or people with an active lifestyle. However, they do offer discounts for people who stay healthy on their policy premiums.

Yes, Care Health Insurance offers premium discounts for people with a healthy lifestyle. However, the discount varies in different plans.

Yes, Care Health Insurance offers alternative treatments under their plans. AYUSH treatment covers both ayurvedic and homeopathy treatments.

Yes, Care Health Insurance provides the benefit of paying premiums monthly, quarterly, or annually.

Here are the documents needed for portability in Care Health Insurance:

• Plan’s proposal form
• Portability form
• Copy of expiring health insurance policy
• Copy of renewal notice

The entry age depends on the terms and conditions of Care Health Insurance.

You can avail the option of portability at the time of policy renewal.

The annual premium will vary from plan to plan. The base policy is usually customized by customers according to their health requirements which will affect the premium they pay.

Yes, Care Health Insurance accepts premiums monthly. The policyholder can also pay premium quarterly and yearly according to their convenience.

The amount of premium paid by the customer depends on their plan. Customers customize their base policy according to their needs which will define their premium.

Yes, deductible options are available under Care Health Insurance for lowering the premiums. A customer can customize their policy according to their needs and reduce their premiums.

Yes, the customer can renew their health insurance policy after the expiration date but only within the grace period provided by the insurer.

A customer can renew their health insurance policy 30 days before the expiration date is due. This gives them the benefit of continued coverage of their medical emergencies.

Yes, a policyholder can switch health insurance plans during the time of their policy renewal. They can also make changes to their existing health insurance plan during the renewal time.

The sum insured can be adjusted during the time of renewal if the policyholder were to make changes in their existing policy like adding riders or excluding the current riders. Adjustments according to the needs and requirements of the customers are available.

Ambulance coverage is offered up to Rs. 1,000 per hospitalisation.

Care Health Insurance offers the plan for senior citizens for tenure 1, 2 and 3 years.

Yes, an annual health check-up benefit is offered.

Yes, a dialysis cover is offered by the Care Health Insurance for senior citizens up to Rs. 1,000 per sitting limited up to 24 consecutive months.

The documents required to claim the tax deduction benefits on your health insurance premium are: a copy of your health insurance policy; a premium receipt; a copy of the payment receipt in the form of a cheque, demand draft, or online banking.

The tax deduction benefit on the health insurance policy premium can only be claimed once every financial year.

Yes, health insurance premiums can be paid through a Health Savings Account (HSA) for a customer to get tax deduction benefits.

Yes, NRIs do not get the benefit of tax deductions on their health insurance premiums. Only the residents of India can avail this benefit.

Yes, the Care Health Insurance top-up plan covers pre-existing diseases with a certain waiting period for them. After that waiting period, the customer can get medical coverage for their treatments.

If the sum insured from both the base policy and the top-up plan has been exhausted the customer has to cover the remaining expenses out-of-pocket.

Yes, the Care Health Insurance top-up plan offers global coverage as an option to customers who opt for a sum insured of at least Rs. 1 crore or more.

Yes, you can customise your Care top-up plan according to your requirements with rider options provided with the plan.

Yes, women and men both can gain tax benefits on the premium amount of health insurance under the Income Tax Act.

Yes, women are also provided with the second opinion option by Care Health Insurance.

Yes, an annual health check-up option is offered by Care Health Insurance under a plan offering the coverage for women.