Care Insurance
A specialist provider of health insurance, Care Health Insurance offers retail products for health insurance, maternity, personal accident, group health, and group personal accident insurance for corporates, as well as microinsurance products for the rural market, comprehensive wellness services, and top-up coverage for personal accidents, critical illnesses, and international travel. With “consumer-centricity” as the cornerstone of its operational strategy, the company has continuously made investments in the efficient use of technology to provide excellent customer service, innovative products, and cost-effective services.
Care Insurance Products;
- Health Insurance
- Family Health Insurance
- Senior Citizen Health Insurance
- Critical Illness Insurance
- 1 Crore Health Insurance Policy
- Maternity Health Insurance
- Compare Health Insurance Plans
- Care Supreme
- Senior Health Advantage
- Travel Insurance
- Corporate Insurance
How Do Health Insurance Plans Work?
A health insurance plan works like any other insurance contract, in that the insurance company agrees to pay for the insured’s hospitalization expenses up to the sum insured.
The main role of medical or health insurance is to reduce the financial burden of unexpected life events such as accidents and illnesses.
The way a health insurance plan works is simple: your health insurance company provides financial assistance in the event of a medical emergency in exchange for payment of regular premiums.
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Benefits of A Medical Insurance Policy
Thus, a health insurance policy is a vital protection shield to buy for oneself and the family’s financial security against unexpected medical crises.
- Financial Protection against Medical Inflation
- Coverage for Hospitalization Expenses
- Coverage for Critical Illnesses
- Protection above Corporate Health Insurance
- Cashless Claim Benefit
- Customized Plans at Affordable Rates
- Avail Tax Benefits under Section 80D
Care insurance policies are complemented with add-on perks like:
* Air-ambulance cover
* Claim Shield
* Co-payment waiver for senior citizens
* Annual health check-up
* Reduction in PED waiting period
* No Claim Bonus Super
How to Buy Health Insurance Online?
The best part of health insurance available online is the secure payment gateways. With easy-to-follow steps and trusted payment partners, we give you a seamless experience when buying health insurance online.
Additionally, our digital gateway allows you to make premium payments through a hassle-free digital payment gateway.
Here is a quick guide of 6 steps you need to follow to pay your insurance online:
* Visit our website and choose a health insurance policy based on your needs and requirements demand payment of the insurance amount.
* Click “Get Quote” and provide relevant details.
* Enter necessary information and customize your font.
* You will be taken to the payment section.
* Make payments via any secure digital payment method.
* You will receive new health policy documents on your registered email id.
Benefits of buying health insurance online With our enhanced digital portal, it is now easier to buy health insurance online.
All you have to do is simply choose your preferred health insurance, fill in the details and pay through secure transaction modes.
Here’s why and how we ensure that buying a health insurance plan online is user-friendly:
- Convenient Policy Choices
Don’t worry about scheduling countless appointments with agents to understand policy details. We offer a completely digital policy selection experience where you can research, compare, select and pay for your insurance coverage anywhere, anytime in India.
- Chat option for queries
Our team is available to answer any queries you may have about the terms and conditions of our health policy. By accessing the live chat option, you can quickly discuss any issues related to Policy at your convenience.
- Instant Insurance Premium Calculator
We facilitate digital insurance premium calculators that help you evaluate and select individual health insurance for your family members. The ability to choose your desired health cover and optional benefits helps us provide you with the best health insurance policies.
- Secure Payment Methods
Our policy portal offers a variety of secure digital payment methods, including credit/debit cards or online banking. After purchase, you will receive the authentication policy document immediately. This way, we help you get an instant health insurance policy in less than an hour.
- Transparent Policy Evaluation
What we promise on paper is what you get in times of emergencies. All our healthcare insurance plans include all the terms and conditions for your ready reference.
- Readily Available Value Added Services
While browsing online through our mediclaim policies, you can easily check out other add-on benefits. These include OPD care, co-payment waiver, and reduced wait time for pre-existing diseases, among others, to cover your specific needs.
How to Renew Health Insurance Policy Online?
The way you buy health policy online, you also have the facility to renew your health plan through the digital mode, thus saving much effort.
Every medical policy terminates when the term for policy ends. That’s why renewing a mediclaim is crucial to ensure uninterrupted healthcare
coverage and added advantages like no claim bonus, coverage for a pre-existing ailment, etc. The process of renewing insurance involves the following steps:
- Visit our official website for health insurance policy renewal.
- Go to the renew section.
- Enter the complete details, such as policy number, contact number, etc.
- Under the payment section, pay the renewal premium through any secure payment mode.
What Are The Factors Affecting Premium of Medical Insurance Policies
We adhere to the underwriting process and consider many factors on which your insurance premium will depend. Listed below are some determining factors:
- Age Factor: The risks of illnesses go up as we age, so the premium will cost you more as you grow older since there are health risks to consider.
- Pre-existing Conditions:Premium costs are high if one has any pre-existing medical condition, such as hypertension, asthma, and diabetes when buying a health cover.
- Body Mass Index: A high BMI indicates that a person may have higher health risks; thus, one is likely to spend more on the premium.
- Lifestyle: Some risky lifestyle habits, including tobacco consumption, drinking, and smoking, can lead to a high premium.
- Type of Plan: Depending on the type of plan you choose, the premium also changes. For instance, the premium for a family health insurance is typically lower than that of an individual health plan.
- The Sum Insured: Sum insured is the maximum coverage that your health plan offers. The higher the sum insured, the higher the premium charged.
- Deductibles and Co-Payment: Deductibles and co-payment refer to the portion of a claim the insured has to pay during claim settlement.If you choose a higher deductible/co-pay, the premium charged will be low and vice-versa. If you are young or at low risk of medical conditions, you may opt for higher deductibles/co-pay to lower the premium.
Add-On Covers: If you wish to increase the coverage of your health insurance plan, you may purchase the required add-on covers.
However, you must keep in mind that with each add-on, the premium increases. So, make sure you only buy the ones that you really need.
Your Location: Your health insurance premium tend to vary depending on the city you reside in. Areas with high medical costs have higher premiums as well. For instance, medical treatment in metropolitan cities like Delhi or Mumbai may be higher than that in non-metro cities. In such a case, your location may impact the premium charged.
Your Occupation: Your occupation also decides the premium of your health insurance plan. This is because certain occupations have higher medical risks than others, and so, the premium charged is also high. For example, workers at a factory or construction site have higher risks of accidents and mishaps than bank employees.
Medical History of Family: Certain diseases can be hereditary. For instance, if any of your parents has a history of diabetes, Alzheimer’s, etc., you are also at risk of welcoming such diseases. In such a case, the premium charged may be higher than others with no such family medical history.
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