Care
Care Heart
If you've had a heart complication or a surgery in the past 7 years, chances are you won't find many insurers willing to cover you. And while Care Heart isn't the most comprehensive policy, it still extends you reasonable protection. So if you're a heart patient, you should be considering this policy.
What's good here?
Short waiting period for Pre Existing Diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after just 2 years. It’s probably the best deal you can get to be honest.
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after just 2 years. It’s probably the best deal you can get to be honest.
Some Restoration Benefit
Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, if you are hospitalized one more time in a bid to treat a different complication. In the same year, by the way.
Free Health Checkups every year
If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Full coverage even if you are forced to hospitalize at home
The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
What's bad here?
Has disease wise sub-limits
Your insurance cover won’t be fully available in case you are treated for Knee Replacement, Hernia, Hysterectomy, Benign Prostate, Treatment of Cerebrovascular disorders, Treatment of Cancer and a few other diseases. Meaning the insurance company has a cap on the total amount they’ll pay out if you are treated for these specific illnesses.
Your insurance cover won’t be fully available in case you are treated for Knee Replacement, Hernia, Hysterectomy, Benign Prostate, Treatment of Cerebrovascular disorders, Treatment of Cancer and a few other diseases. Meaning the insurance company has a cap on the total amount they’ll pay out if you are treated for these specific illnesses.
You will have to pay a portion of the bill
The company will make you pay 20% of the bill every time you’re hospitalized — That is if you’re under the age of 70. If you’re 71 and above, then they’ll make you pay 30% of the bill. So co-payment in mandatory here.
The company will make you pay 20% of the bill every time you’re hospitalized — That is if you’re under the age of 70. If you’re 71 and above, then they’ll make you pay 30% of the bill. So co-payment in mandatory here.
What's okay here?
You can pick a Single Private room but nothing fancy
You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.
You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.
Pre & Post hospitalization expenses covered up to a certain limit
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount upto 5% of sum insured for about 30 days before you are hospitalized and 60 days after discharge. This includes the cost of medication by the way.
Some Cover for Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will pay up to 25% of the cover in case you’re availing these treatments.
Special Bonus for being healthy and not claiming insurance
Your sum insured increases by 10% each year, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 50%. Also, the bonus amount will reduce at same rate each time you make a claim. But hey, it's still a bonus.
Add-ons
Care Shield
With this add-on, the insurer will increase your cover in line with inflation every year, your bonus amount will not be affected if the claim is less than 25% of base sum insured in the entire year and you also get extended coverage for generally excluded items like syringes, gloves, PPE kits etc.
Home Care
With this add-on, the insurance company provides coverage Upto Rs.1000/- per Day for Hiring Qualified Nurse at home. It is available for a maximum of 7 Days per hospitalization. But remember, this benefit is available only post-discharge from the hospital and on the Doctor's written advice with valid reason.
Care OPD
With this add-on, each insured member can avail up to 4 in-person consultations with a General Physician and 4 with a Specified Specialist annually on a reimbursement basis, with a maximum reimbursement of ₹500 per visit. This can be claimed once every quarter. Along with this, insured members get unlimited e-consultations.
Frequently Asked Questions
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