Care Health Insurance Diseases Covered

Care Health Insurance, formerly known as Religare Health Insurance, is a leading insurance company that has earned credibility in the market with top-notch services and a 95% claim settlement ratio. This insurance company offers health insurance plans for individuals, families, senior citizens, parents, and children at feasible premiums. Moreover, it has built a vast network of 16,500+ cashless healthcare providers, taking the burden of paying medical bills off your shoulders. While a basic plan covers expenses like pre-hospitalisation and post-hospitalisation charges, in-patient hospitalisation charges, daycare charges, etc., Care Health Insurance also protects you against multiple illnesses depending on the plan you choose. Let us look at the list of diseases covered under Care Health Insurance plans.

Important Update (Dated May 30, 2024) – Good news for Health Insurance policyholders! According to the Master Circular on Health Insurance Business 29052024 rolled out on May 29, 2024 by IRDAI, insurers are to decide on the request for cashless claims within 1 hour of receiving the request. Also, the final claim is to be granted within 3 hours after the policyholder’s discharge from the hospital. Insurers have been directed by IRDAI to establish necessary systems and procedures for this process by July 31, 2024.

 

The Master Circular on Health Insurance Business 29052024 circular is available here - https://irdai.gov.in/document-detail?documentId=4942918

Diseases Covered Under Care Health Insurance Plans

As mentioned above, with Care Health Insurance Plans, you receive coverage against multiple illnesses based on the type of policy you purchase. Here are a few critical illnesses covered by this health insurance company:

• COVID-19

COVID-19, a disease that started spreading rampantly across the globe in 2020, can lead to life-threatening health conditions like pneumonia, multiple organ failure, blood clots, etc. These serious side effects make coronavirus treatment expensive. Hence, IRDAI has made it mandatory for health insurance providers to offer COVID-19 coverage.

• Cancer

Cancer is another life-threatening disease that can pour your savings down the drain. This disease can occur in any part/organ of your body when cells divide uncontrollably and spread into surrounding tissues. A few health covers offered by Care Health Insurance provide indemnity services for costs incurred for radiotherapy, chemotherapy, etc.

• High Blood Pressure

High blood pressure (BP), also known as hypertension, is a medical condition where the force of the blood against the artery walls is higher than the healthy range. High blood pressure can also cause serious health complications like heart diseases, stroke, dementia, etc. Care Health Insurance offers coverage for BP as well.

• Diabetes

Diabetes is a lifestyle disorder wherein your blood sugar levels are high. It is essential to bring your blood sugar levels back to the normal range (and maintain it) since it can lead to fatal conditions like kidney failure, heart failure, heart attack, and more. Stress can worsen the health condition of a diabetic patient. Hence, it is best to cover your medical expenses with a health insurance plan.

• Heart Diseases

Heart diseases are cardiovascular conditions caused when your heart doesn't function properly. These diseases can be dreadful and could take a while to be cured. A few healthcare covers offered by Care Health Insurance help you manage expenses incurred for treating heart diseases.

• Critical Illnesses

Critical Illnesses can be life-threatening. The treatment for such chronic diseases can go on for months and years. Consequently, the cost of curing these illnesses can be heavy on your pockets. Thus, it is ideal to lean on a health insurance cover that helps you cope with the financial stress of treating severe medical conditions.

• HIV AIDS

HIV AIDS is a deadly disease where the human immunodeficiency virus attacks your immune system. Though this disease has no cure, scientists have managed to develop treatments that help HIV patients to prolong their lifespan. In simpler terms, the patient has to take medication throughout their lifetime to keep the disease under control. These medications are expensive, and thus continuing the HIV treatment can be stressful. That's when health insurance policies come to your rescue. Care Health Insurance offers coverage against the HIV AIDS treatment cost.

• Cataract

Cataract is a common eye condition where the clouding of the eye lens leads to blindness. Surgery is the only cure for this condition. With a healthcare plan from Care Health Insurance, the expenses related to cataract surgery can be taken care of.

• Mental Illness

Mental illnesses have become common among people of all age groups today. Depression, bipolar disorder, dementia, schizophrenia, etc., require long-term treatment. Hence, Care Health Insurance offers coverage for the treatment cost of mental illnesses.

Exclusions Under Care Health Insurance Plans

Here are a few things that are not covered under Care Health Insurance Plans:

• Pre-Existing Diseases

In case you already suffer from an illness while purchasing the policy, it will be deemed a pre-existing disease. People with pre-existing illnesses are more likely to raise a claim, causing a higher financial risk to insurers and are therefore excluded from prospective customers.

• Cosmetic Treatments

Today, the number of people seeking cosmetic treatments has become ever increasing. Since it is not a medical emergency, it doesn’t fall under the scope of health insurance coverage. However, cosmetic surgery due to an accident is usually covered.

• Self-Inflicted Harm

Health insurance plans do not offer financial assistance in case of self harm and suicide attempts.

• Alternative Treatments

Alternative treatments like magnetic therapy, acupressure, naturopathy, homoeopathy, ayurveda, etc. are not covered under most health insurance policies.

• Diagnostic Tests

A lot of people make claims towards their diagnostic tests. These medical examinations are claimable only if they yield positive reports, which further leads to hospitalisation.

Conclusion

Now that you know the list of diseases covered under Care Health Insurance Plans, you can gauge your healthcare needs and choose the best-suited cover for you and your family. Once you have the right insurance plan at your disposal, you can bid financial stress goodbye amid medical emergencies. So, head over to the Health Insurance page on Bajaj Markets and buy a Care health insurance plan that offers maximum coverage.