Care
Care Classic
The Care Classic plan is a family floater health insurance policy designed for joint families and married couples. It offers sum insured options of ₹5 lakhs, ₹7 lakhs, ₹10 lakhs, and ₹15 lakhs. The plan covers daycare treatments, assisted reproductive treatments, pre- & post-hospitalization (60-90 days respectively), AYUSH treatments (up to SI), and unlimited e-consultations. It also includes a no-claim bonus of 25% up to 150% (in case of no claims made), automatic restoration of the sum insured, and organ donor cover (up to 10% of SI).
What's good here?
You most likely don't have to split the bill
If you bought this policy after you turned 61, you have to pay 20% of the bill every time you make a claim. Otherwise, you are good to go. The insurer will pay all costs up to the sum insured.
If you bought this policy after you turned 61, you have to pay 20% of the bill every time you make a claim. Otherwise, you are good to go. The insurer will pay all costs up to the sum insured.
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.
Unlimited Restoration Benefit
Even after you claim part of the cover on one occasion, you will be allowed to claim the full cover any number of times repeatedly if you are hospitalized in the future. All in the same year by the way!!!
Free Health Checkups
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. Although, it is provided as an add-on but the benefit is added by default.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
Pre & Post hospitalization expenses covered
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 in full for a pretty reasonable duration - 60 days before you are hospitalized and 90 days after discharge. This includes the cost of medication by the way.
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.
Maternity benefits offered
The insurer will also cover expenses related to maternity — Think hospitalization expenses incurred while giving birth Also, you’ll only get the benefits if both, you and your spouse are enrolled in a single-family floater plan.
What's bad here?
Doctor consultations are not covered
TODO
TODO
What's okay here?
Has disease wise sub-limits
Your insurance cover won’t be fully available in case you are treated for Cataract, Modern treatments 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 Cataract, Modern treatments 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.
Reasonable 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 you wait for 3 years.
Special Bonus for being healthy and not claiming insurance
Your sum insured increases by 25% 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 150%. Also, the bonus amount will reduce at same rate each time you make a claim. But hey, it's still a bonus.
Add-on
Air Ambulance
With this add-on, the insurance company will provide coverage for Air Ambulance up to ₹5 lakhs per policy year.
Frequently Asked Questions
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