Care Health Insurance Company

Care

Care is the company’s most popular health plan which offers a comprehensive scope of protection. The policy has many salient features which are as follows –
 

• Inbuilt maternity coverage at higher sum insured levels: If you opt for sum insured levels of Rs.50 lakhs and above, you can get an inbuilt maternity coverage under the policy. The coverage would cover the expenses of pregnancy and childbirth.

• Sum insured restoration: If you use your sum insured on a claim and if there is an unrelated second claim, the policy restores the sum insured so that the second claim can be paid. This benefit helps in the case of multiple claims within the same policy year and ensures that you have sufficient coverage when needed

• No restriction on entry age: There is no upper entry age. Individuals of all ages can buy the plan for their coverage needs.

• Free second medical opinion: You can avail of a free second opinion from Care’s team of medical experts. Such a second opinion is available under all variants of the plan and allows you to consult another specialist, free of cost, in severe illnesses.

Care with NCB

Care with NCB is nothing but the aforementioned Care plan with the added coverage of the Super No Claim Bonus. Let’s understand the salient features of this version of the plan –
 

• Super No Claim Bonus: The plan has a unique super no-claim bonus feature. Under this feature, if you don’t claim in one policy year, you get a no-claim bonus of 50% of the base sum insured. Thereafter, if no claim is made in the second successive year, another 50% increase in the sum insured is allowed. This doubles the base sum insured within 2 years without any claim.

• Added no claim bonus: Besides the super no claim bonus, you continue to earn a 10% increase in the sum insured as the no claim bonus if you don’t make a claim. This increase is allowed up to a maximum of 50% of the base sum insured.

• Higher coverage, free of cost: When you combine the super no claim bonus and the no claim bonus features, you get a high sum insured. Together with the super no claim bonus, your sum insured becomes 220% after two successive claim-free years. This is free of cost and you don’t have to pay the premium for the increase in the sum insured.

• International coverage: Under plans that have a sum insured of Rs.50 lakhs and above, you can avail of international coverage through the Care Anywhere benefit. This allows wider coverage and is beneficial.

• Range of add-ons: There are a variety of add-ons available with the policy which you can add by paying additional premiums to enhance the scope of coverage.

Care Freedom

The Care Freedom plan doubles up as a policy for individuals suffering from diabetes, hypertension or BMI issues. The salient features of the policy are as follows –
 

• Different plan variants: There are two plan variants available under the policy. The first one is a basic health plan available for adults as well as children. The second variant, however, is available only to adults aged 46 years and above and is designed to cover their health needs.

• Automatic sum insured recharge: If you suffer a big claim and the sum insured is used up, the plan restores the sum insured back to its original amount so that if you suffer another claim, the plan would be able to cover it too.

• Consumable allowance cover: Hospitalization results in various non-medical costs too that are not covered under the health insurance policy. As such, the plan allows you a daily allowance for each day of hospitalization so that you can meet such non-medical expenses

• Coverage for dialysis: Every time you visit a hospital to get dialysis, the medical costs incurred would be covered under the policy. Coverage is allowed up to Rs.1000/sitting for a maximum of 24 consecutive months.

• Companion benefit: If your hospitalization exceeds 10 days, the plan offers a lump sum companion benefit to help you meet the additional costs that you might have incurred due to such prolonged hospitalization.

Care Enhance

A super top-up health insurance policy, Care Enhance allows you to enhance your existing health insurance coverage without burning your pockets. The salient features of the policy are as follows –
 

• Wide range of sum insured and deductible options: The plan offers a wide range of coverage and deductible options so that you can choose the amount that you want and which matches your needs. You can, thus, customize the plan as per your coverage needs.

• International coverage: Under the second plan variant coverage for international treatments is allowed if taken in an emergency. So, you can expand the geographical scope of coverage with the policy and avail of treatments anywhere.

• Add-on coverage for expert opinion: The policy offers an add-on benefit wherein you can avail of an expert’s medical opinion if required. This coverage is available at an additional premium.