Overview
Care Health Insurance (CHI) is a specialized Health Insurer offering health insurance services to employees of corporates, individual customers and for financial inclusion as well. With CHI’s operating philosophy being based on the principal tenet of ‘consumer-centricity’, the company has consistently invested in the effective application of technology to deliver excellence in customer servicing, product innovation and value-for-money services. Care Health Insurance currently offers products in the retail segment for Health Insurance, Critical Illness, Personal Accident, Top-up Coverage, International Travel Insurance and Maternity along with Group Health Insurance and Group Personal Accident Insurance for corporates. The organization has been adjudged the ‘Best Health Insurance Company’ at the ABP News-BFSI Awards & ‘Best Claims Service Leader of the Year – Insurance India Summit & Awards. Care Health Insurance has also received the ‘Editor’s Choice Award for Best Product Innovation’ at Finnoviti and was conferred the ‘Best Medical Insurance Product Award’ at The FICCI Healthcare Awards. Best Health Insurance Company - ABP News – BFSI Awards 2015, Best Claims Service Leader of the Year - Insurance India Summit & Awards 2018, Best Product Innovation - Editor’s Choice Award Finnoviti 2013, Best Medical Insurance Product - FICCI Healthcare Awards 2015
Highlights for Care Super Medicare
Global coverage
Preventive Annual Health Check-up
Flexible Tenure Options
Quick Recovery Counselling
No Claim Bonus
Critical Mediclaim
Cancer Mediclaim
Heart Mediclaim
Operation Mediclaim
Features
Sub-limits
No Claim Bonus
% of the sum insured that rises every claim free year.
Ambulance
Transportation of the patient to the hospital and back home
Pre-Hospitalisation : 30 Days
The amount of expenses incurred during this period prior to hospitalisation such as diagnostic tests, doctor fees, medicines, etc. for investigiation purpose are also payable by the insurer
Post Hospitalisation : 60 Days
The amount of expenses incurred during this period after discharge from hospitalisation for the purpose of recovery such as follow-up tests, doctor fees, medicines, etc. are also payable by the insurer
Pre existing Disease cover : Pre-existing diseases covered after 48 months of renewal.
Coverage for all Pre-Existing Diseases covered after a certain specified waiting period with continuous renewal.
Waiting Period- Initial : 90 Days
No claims are accepted within this period except due to accidents/ injury.
Waiting Period- Specific : 24 Months (Not applicable on CRITICAL MEDICLAIM, CANCER MEDICLAIM and HEART MEDICLAIM)
Listed specific illness
Waiting Period- PED : 48 Months
No pre-existing ailment related claims are accepted within this period.
Room Rent : Single Pvt. Room (Room Rent Modification rider - No Limit)
Room rent for in-patient hospitalisation
ICU Charges : No Limit
Charges for ICU hospitalisation
Co pay : Up to SI; only for SI >=1Cr (Limited to In-Patient Care and Day Care treatment) with a Co-payment of 10% per Claim - Global Coverage
% of the claim that the policyholder needs to pay out-of-pocket
Restore Benefit/ Recharge/ Refill : No
If the sum insured is exhausted due to hospitalisation expenses of one or more members, there is an automatic restoration of the sum insured for related or unrelated ailments.
Health Check up : Annually from 2nd Policy Year on continous coverage
Free annual health check-up for all insured members according to the list of tests specfied in the policy document.
No Claim Bonus : 50%, 25%, 25% increase in SI for 1,2,3rd year claim free policy years; max upto 100% SI
% of the sum insured that rises every claim free year.
Video/telephone consultation : Available
E-consultation with expert doctors empanelled with the insurer for a second opinion.
Domiciliary hospitalization : No
Home care treatment where there are no beds in the hospital or paitient is not in a condition to be moved to the hospital, This treatment is provided under the supervision of a registered medical practitioner.
Ambulance : Upto Rs. 3000 per hospitalisation
Transportation of the patient to the hospital and back home
Convalescence benefit : No
A specific fixed amount of money paid as a recovery benefit for extended hospitalisation.
Organ Donor : Upto Sum Insured or 15L which is lower
The costs for a surgical procedure of removal or damaged organ from the patient's body which could otherwise be fatal.
Bariatric cover : No
Expenses related to obesity-related conditions such as high BP, sleep apnea, arthiritis asthma, etc.
Daycare : Upto Sum Insured; plan specific
Covers in-patient hospitalisation expenses where the stay is <24 hours under a specified list of treatments
AYUSH : Up to 25% Sum Insured for CRITICAL MEDICLAIM, CANCER MEDICLAIM and HEART MEDICLAIM Not Available for OPERATION MEDICLAIM
Alternative treatment coverage such as ayurvedic, unani, sidha and homeopathy which leads to hospitalisation.
Congenital Coverage : No
Covers medical expenses related to diagnosis and treatment of heriditary and internal congenital ailments/ conditions/ traits that exist from birth.
Modern Treatments : No
All advanced treatment with upgrade in technology.
Health Management/ Wellness : No
Benefits provided for staying fit and managing health
Maternity Benefit : No
All expenses related to childbirth or legal medical termination of pregnancy, usually upto a specified limit.