Care Insurance
Care Health Insurance is an important comprehensive financial plan. Care Health Insurance offers a variety of plans that, in the event of an emergency or planned treatment, enable you to receive cashless treatment at any of our 22900+ network hospitals and healthcare providers. Our plans also offer comprehensive coverage that includes cutting-edge procedures like robotic surgery and radiosurgery.
Serving clients with more than just basic health insurance is our goal at Care Health Insurance. To address the various medical needs of individuals throughout India, we provide improved medical insurance plans with useful features. Our health insurance plans offer a broad range of sum covered, from ₹3 lacs to ₹6 crores, along with a host of healthcare advantages including cashless hospitalisation, day care, annual health check-ups, COVID and OPD care, and more.
Care Health Insurance is a specialized health insurer offering products in the retail segment for Health Insurance, Top-up Coverage, Personal Accident, Maternity, International Travel Insurance and Critical Illness along with Group Health Insurance and Group Personal Accident Insurance for Corporates, Micro Insurance Products for the Rural Market and a Comprehensive Set of Wellness Services.
Why Care Health Insurance?
Care Health Insurance is one of India’s leading Health Insurance providers, with 38 Lakh+ insurance claims settled since inception. Care Health Insurance provides comprehensive health insurance benefits, including in-patient hospitalization, pre and post-hospitalisation medical expenses, access to advanced medical treatments, daily allowances during hospitalisation and cover for AYUSH treatments.
Types Of Insurance
READ ALSO; Maryland Auto Insurance
Types of Health Insurance Plans
With Care Insurance, you get some of India’s best health insurance plans designed to meet our customers’ diverse medical needs. Below are all the types of health coverage that we offer:
Types Of Care Health Insurance Plans
There are normally two main types of health insurance:
Plans for Health Insurance With An Indemnity: An insurance policy that covers medical costs for covered individuals in the event of an accident, disease, or injury is known as indemnity-based health insurance. Under an indemnity-based contract, the insurance company agrees to pay for the insured person’s hospital stays, out-of-pocket expenses, physician visits, prescription drugs, and other medical bills.
Fixed Benefits Health Insurance Plans; In a fixed-benefit health plan, the insured receives a fixed benefit or sum insured in the event that a certain medical condition is found to exist. Therefore, with a fixed-benefit plan, you receive the sum insured upon diagnosis of the condition, and it relies on the insured how they use the sum insured. This is in contrast to other health plans where you have to file a claim for medical coverage.
How do health insurance plans work?
A health insurance plan operates like any other insurance contract, in that the insurance company undertakes to pay 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 illnesses, accidents and diseases.
Realizing the importance of health insurance is just the first step to enjoying the immense benefits of health insurance, especially amid health-related uncertainties.
Here are the key benefits of health insurance that make it essential health care coverage:
READ MORE; Go Compare Travel Insurance
If You Need Protection Against Critical Illnesses;
If you need protection from serious illnesses Treatment for cancer, lung disease and other serious illnesses can completely wipe out your savings.
So if you anticipate chronic illnesses in your family, check out: Our policy offers protection against the cost of medical treatment for 32 serious illnesses, like stroke, paralysis , organ transplant, etc.
Details of the Health Insurance Policy and Eligibility Requirements
Although the majority of our health insurance policies have basic qualifying requirements, you can verify the desired coverage to see if there are any unique requirements, such as a waiting period or co-payment:
What is Covered under Care Health Insurance Plans?
By covering a variety of medical costs in addition to the bills you accrue while in the hospital, insurance for medical expenses gives you complete financial security in an emergency. The policy’s terms and conditions govern the coverage that is offered. Health insurance coverage cover the following costs:
What is not covered by health insurance?
Health plan exclusions address medical conditions that are not covered.
This means the insurance company is under no obligation to pay for those medical conditions.
You cannot claim for the following standard exclusions in health insurance plans: Self-inflicted injury due to suicide or suicide attempt.
Documents required to File a Claim Under Health Insurance
Whether you are filing for a cashless or reimbursement claim process, some paperwork would be required. Typically, in the case of a cashless claim, the documentation is minimal, and most of the formalities would be completed by the TPA. The reimbursement claim procedure would require you to submit all the paperwork so that there is no delay in verification. It is suggested that you keep the following documents handy to ensure a smooth and quick claim settlement process:
RELATED LINKS: Best Auto Insurance Companies In Maryland
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 6-step guide you need to follow to pay your insurance online: Visit our website and choose a health insurance policy based on your needs and number Money is guaranteed.
Advantages of Buying Health Insurance Online
With our digitally-enhanced portal, it is now easier to buy online health insurance. All you need to do is simply select your preferred health cover, fill up the details, and pay through secure transaction modes. Here’s why and how we ensure customer-friendly purchase a medical insurance plan online:
How to calculate health insurance premiums?
You can now calculate your insurance premiums using a simple digital calculator designed specifically for medical policies.
Here are the steps to calculate your insurance premium:
What are the factors that affect health insurance premiums.
We follow an underwriting process and take into account many factors on which your premium will depend. Here are some deciding factors:
Age factor: Disease risk increases with age, so insurance premiums will cost you more as you get older, as there are risks Health risks need to be considered.
Pre-existing medical conditions: Insurance costs will be high if a person has pre-existing health conditions, such as hypertension, asthma and diabetes, when purchasing health insurance.
Body Mass Index: A high BMI indicates a person may have higher health risks; therefore, people are likely to spend more on insurance premiums.
Lifestyle: Certain dangerous lifestyle habits, including tobacco use, alcohol consumption and smoking, can lead to high insurance premiums.
Sum Assured: Sum Assured is the maximum coverage offered by your health plan. The higher the sum insured, the higher the premium.
Deductibles and Copayments: Deductibles and copayments refer to the portion of the claim that the insured must pay when settling a claim.
If you choose a higher deductible/copay, the premium will be lower and vice versa.
If you are young or at low risk for health problems, you can choose a higher deductible/copay to lower your premium.
Supplemental Insurance: If you want to increase the coverage of your health insurance plan, you can purchase required supplemental insurance.
However, you should remember that with each addition, the premium will increase. So make sure you only buy what you really need.
Your Location: Your health insurance premiums tend to vary depending on the city in which you reside. Areas with high medical costs also have higher insurance premiums.
Your Occupation: Your occupation also determines your health insurance premiums. Indeed, certain occupations have higher medical risks than others and therefore insurance premiums are also high.
How to Renew Health Insurance Policy Online?
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:
Care Health Insurance Contact Details:
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.
Services Whatsapp Chat 8860402452
Sales Call 1800-102-4499
What Are The Disadvantages Of Critical Illness Insurance? What Are The Disadvantages Of Critical Illness…
How Does Critical Illness Cover Pay Out? How Does Critical Illness Cover Pay Out? A…
Are Critical Illness Plans Worth It Are Critical Illness Plans Worth It Whether critical illness…
Health Insurance Companies Near Maryland Health Insurance Companies Near Maryland A contract that requires your…
How Much Is Homeowners Insurance In California Per Month How Much Is Homeowners Insurance In…
California Home Insurance In High Fire Risk California, especially in some areas, is known to…