Care Health Insurance
Care Health Insurance (formerly Religare Health Insurance) is an Indian health insurance company. Started in 2012, the company offers many insurance policies including critical illness, top-ups plans, senior citizen plans. It also has policies that cover pre-existing heart diseases and policies for diabetic patients without any pre-policy medical checkups.
Care Health insurance plans
Care is a decent policy. It's got a few conditions, but nothing too outrageous. It covers most bases and throws in some nice benefits. However, if you have pre-existing diseases (say diabetes), they make you wait 4 years before covering these illnesses unless you pay extra and get it down to 2 years. So you might want to check other alternatives.
Care Freedom plan
Care Freedom could be your only choice within the Care stable if you have pre-existing complications like diabetes, blood pressure or a high Body Mass Index. But they'll make you wait 2 years before they start covering these illnesses. And you'll have to split a part of the bill when you are hospitalized. So do read more below.
Enhance Super Top-up
A pretty decent super top-up plan overall. And while the plan doesn't offer a disproportionately large cover (has a cap of 55 lakhs) it covers most use cases and that should be decent enough for most people.
Care Senior is a good choice if you’re 60+, with pre-existing complications or if nobody is willing to insure you. However, if you have other alternatives, this policy could be a letdown, considering they'll make you wait 4 years before they start covering pre-existing complications. Also you won't have the full cover for certain diseases.
A ridiculously high cover for an almost unbelievable price. This policy sounds too good to be true. Perhaps the only chink in its armour is that it will make you wait 4 years before they start covering complications arising out of pre-existing illnesses (Like diabetes). Otherwise it's just faultless.
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.
Care Health insurance claim process
Care Health Insurance claims can be of different types based on the hospital in which you are getting the treatment. If it’s part of Care's network hospitals, you can get a “Cashless claim” in which insurance company directly pays the bills to the hospital. But if your choice of hospital is not part of their network, then you have to pay the bills and apply for reimbursement claim. Here’s a brief process for both types of claims:
Inform the Hospital Desk
All network hospitals have an insurance desk. You can submit your policy copy (even soft copy works), ID proof, initial diagnosis report and the insurance desk will request the insurance company for “pre-authorization”. In case of planned treatments, you need to do this process 2 days before hospitalization
Based on the provided documents, insurance company approve the claim and the hospital will start the treatment and they will co-ordinate with insurer for the treatment costs. In case of Cashless claim rejection, you can still go ahead with the treatment. In this case, you will need to pay the bills initially and can file for a reimbursement claim later
If your cashless claim is approved, at the time of discharge, the insurance company will do the final settlement with the hospital and once that is sorted, you are good to go.
Inform the insurance company
For any planned treatments, you need to inform the insurance company 2 days before hospitalisation. In case of emergency, you can inform within 24 hours of admission. Insurance company will acknowledge the intimation.
You need to submit a insurance claim form along with original copies of hospital bills, doctor consultation reports, and diagonstic reports.
File the claim
Within 30 days post discharge, you can initiate the claim online or at any of the registered offices of the insurance company. You need to fill a claim form and attach all the reports and bills.
Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.
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