Care Health Insurance

Care Health Insurance Plans

Health insurance is a basic requirement for you and your family members. You must choose the best health insurance policy based on the medical needs, health conditions, and age of each member of the family.  Take a look at the various Care Health Insurance plans: 

Why Care Health Insurance?

With their philosophy based on customer-centricity, Care Health Insurance Limited not just offers one of the most ideal Care Insurance online (formally known as Religare Health Insurance plans) but has been consistently giving centre stage to customer service and value for money. This is further witnessed in their product innovation and consistent investment in effective application technology for delivering excellent customer service.

How to Buy Care Health Insurance Online at Bajaj Markets

Buying Care Health Insurance on Bajaj Markets is very easy. Just follow a few quick steps, enhance your plan by selecting your suitable cover from the list of add-on covers, quick payment and you're done! It's that simple!

    1.Buy  online

     Click on the Buy Now button mentioned on the top of the page. .

    2.Fill in details

    Click on ‘Get Quote’ and provide the necessary details and proceed to     pay

    3.Make an online payment

    Make your health insurance premium payment for the selected plan

    4.And, you're done!

    Your policy will be issued to you within no time

What's Covered & Not Covered in Care Health Insurance 

Make sure that when you opt for a health insurance policy, you are well aware of the inclusions as well as the exclusions. Take a look at what is covered and what is not covered in the Care Health Insurance Plan:

Premium Calculation of Care Health Insurance

Before you actually buy or renew your health insurance policy, it is essential that you compare the premiums for the plans offered by various providers; the sum insured, co-payment, and so forth,

When calculating the premium of Care Health Insurance plan, you can use the Care Health premium calculator or the free premium calculator available on Bajaj Markets website. It is an easy-to-use tool that helps you simplify the calculation of the policies and refine your decision to choose the best plan. You don’t have to go to various insurers and ask for quotes. The calculator is simply amazing. 

• Simply access the calculator

• Enter your phone number

• Select a plan displayed in the dropdown

• Click on "calculate premium"

• Fill in your personal information, such as your name, pin code, and email address

• Click on "next"

• Select the number of people in your family for whom you are purchasing insurance and their ages

• Select an appropriate sum insured

• Pick the tenure of the policy you wish

• Now you are ready with the premium amount; after this, you can think of adding riders, increasing the sum insured, etc.

Tax Benefits for Care Health Insurance

The premiums that you pay against the health insurance policy for you and your family are exempt from tax under Section 80D of the Income Tax Act. Please refer to the below table to clearly understand the exemptions you can enjoy with Care Health Insurance:

You also get additional tax relief on your preventive health checkups under Section 80D,

• If you and your parents are both below 60 years old, the limit is ₹5,000

• It is ₹7,000 if both of you are over the age of 60 years.

Enhance Your Protection Against Medical Emergencies with Optional Covers by Care Health Insurance 

• Air Ambulance Cover: For any recommended treatment not in your city, this add-on with Care Health Insurance lets you get the right cure despite being away that too without worrying about the cost.

• Co-Payment Waiver: This add-on helps remove the co-payment hassle of 20% for the eldest insured member with age 61 years and above.

• Daily Allowance: Hospitalisation involves various unexpected ‘non-medical’ expenses like transportation or lodging and boarding of attendants. To help you meet these expenses without trouble, this extended Daily Allowance add-on with the Care Health Insurance plan offers a daily cover for hospitalisation up to 30 days. What’s more, the amount doubles in case you are hospitalised in an ICU.

•  Everyday Care: This rider takes care of those routine hospital visits, where it provides 1% of your Sum Insured for diagnostic tests and doctor consultations each. Just pay a nominal Co-payment & additional premium. You can avail of this benefit through a cashless health card when claiming your Care Health Insurance plan.

• Global Coverage: The worldwide coverage benefit ensures that you need not worry about boundaries when it comes to quality healthcare. This facility is available with selected Sum Insured options. So, the cover lets you enjoy a cashless treatment at a network hospital while you are getting treated at an overseas facility.

• International Second Opinion : Before you head on to the recommended treatment, it is best to get yourself reassurance. With the Care Health Insurance International Second Opinion add-on, the plan lets you do just this, take a second opinion from an international Panel of doctors through us.

• No Claim Bonus Super: With No Claim Bonus Super that you opt with Care Health Insurance, you can increase your sum insured by 50% for every claim free year up to a maximum of 100%.

• Reduction in PED Wait Period: This cover reduces the applicable waiting period of 48 months for Pre-existing Disease Claims to 24 months.

• OPD Care: With this optional cover, you stay covered for OPD expenses incurred on Doctor Consultation, Prescribed Diagnostics and Prescribed Pharmacy with an amount ranging from Rs. 5000 to Rs. 50000.

• Unlimited Automatic Recharge: This plan provides an option to recharge or reinstate your sum insured an unlimited number of times after exhaustion so that you never run out of coverage.

How to File Care Health Insurance Claims?

Care Health Insurance is designed to help you manage medical emergencies without having to face any hassle. Further to the insurers this aim, the Care Insurance claim settlement process is quick and simple and does not take much time. The insurer is committed to providing stress-free settlement! Filing claims is easier with Care Health Insurance. You can file the claim in two methods,

• Cashless claim

When you take the treatment from the network hospital, you do not need to worry about the bills, as Care Health Insurance will clear them on your behalf directly based on the agreement. You do not need to pay from your pocket. 

You need to inform the internal Care Health Insurance department or the third-party administration’s (TPA) claim department within 24-48 hours of hospitalisation. If you are getting a treatment that was scheduled beforehand, you must inform them within 24 hours of the hospitalisation.

• Once you have informed them, you need to request for the Care Health Insurance pre-authorisation form

• Fill up the pre-authorisation form carefully (you can get this from the hospital, or TPA

• Share the form with your insurance provider

• Submit the cashless claim form and attach the relevant documents

• Your insurer will then verify your claim and approve or reject it

• Once it is approved, the insurance company will pay your hospitalisation and treatment expenses

On approval your claim is settled.

In case a query is raised, the insured or hospital is to respond to the same

Upon rejection, you may initiate the treatment and file for a reimbursement claim

• Reimbursement claim

A reimbursement claim is a lengthy process. Care Health Insurance allows you to reimburse your bills after treatment if you did not seek medical assistance from a network hospital or could not reach the network hospital due to unforeseen circumstances, you can still claim it through the reimbursement process. You may follow the below steps to easily file claims,

• Fill up the Care Health Insurance claim form and attach the relevant bills, documents, etc.

• Keep track of hospitalisation details for the insured person

• Fill up the hospital details.

• Calculate the claim amount and file

• Send it to the insurance provider

• After verifying it, the claim management team shares an approval letter

• Once the approval letter is received, your claim is settled

On approval your claim is settled.

In case a query is raised, the insured or hospital is to respond to the same

Upon rejection, you may initiate the treatment and file for a reimbursement claim

What is the Care Health Insurance Claim Settlement Ratio?

A claim settlement ratio for an insurance company denotes its financial position. It is the ratio that shows the total number of claims resolved by the insurer in a particular year against the total number of claims received.

A high claim settlement ratio helps customers choose the best insurance provider. If a company has a high claim settlement ratio, that means it will settle your claims fast and easily. 

Advantages of a high claim settlement ratio

• It displays the liability of the insurance provider

• You can easily rely on the company

• A better way of comparing while choosing a suitable insurer

Care Health Insurance has an impressive claim settlement ratio of 95.2% in the year 2019–2020.

Documents Required for Filing Care Health Insurance Claim

At the time of making a claim, the following documents should be kept handy:

• Original health insurance policy

• Duly filled claim form

• Govt Issued photo id

• Treatment-related documents and receipts.

Some other documents may be asked for.

Care Network Hospitals

Care Health Insurance, with its prompt and easy service, is committed to meeting your needs consistently. Their online, self-help portal lets you get a resolution to your issues in a jiffy. The company also has a huge collaboration with over 7800 healthcare centres all across the country. You can rest assured that in case of a medical emergency, you would never be far away from good quality treatment. 

Health Insurance Plans Available at Bajaj Markets