Major Burns Cover

Not only are major burns brought on by injuries or accidents extremely painful, but they can also be dangerous if not treated in time. Getting the treatment for major burns would not just be emotionally draining but also financially overwhelming. In order to protect yourself against expenses arising from the same, consider availing of the Group Care 360 – Major Burns Cover plan provided by Care Health Insurance Ltd. With this plan, insured individuals are entitled to a coverage amount of up to INR 3 Lakhs.

Plan Details

Coverage	Premium (including GST)
Up to Rs. 1 lakh	Rs. 307
Up to Rs. 2 Lakhs	Rs. 590
Up to Rs. 3 Lakhs	Rs. 850

Features and Benefits

Affordable Plan

Policyholders may avail of this plan in one of three formats at budget-friendly premium rates based on their needs.
Hospitalization Cover

In-patient hospitalization costs along with those arising prior to (30 days) and post-hospitalization (60 days) pertaining to major burns are provided with coverage. This coverage is available so long as the insured individual provides a clinical confirmation indicating the requirement of this procedure and which has been signed by an appropriate specialized doctor.
Ambulance Cover

IN the event that the insured individual needs to be rushed to a hospital and avails of an ambulance, expenses arising from the same are provided with coverage amounting to up to INR 2,000.

What is Covered

By availing of this policy, policyholders are provided with coverage for the following.

Treatment Charges

This policy provides insured individuals with coverage for the treatment. This includes hospital room rent, medicines, and tests in addition to ICU, transfusion, and doctors’ fees.
Doctor’s Fees

This plan provides insured individuals with coverage aimed at providing funds for doctor’s fees linked to hospitalization.
Diagnostic tests

Conducted during the pre-outlined pre-hospitalization period or during the hospitalization period are provided with coverage as per this policy.
Prescription Expenses

Expenses incurred as a result of purchasing medicine required as a result of hospitalization are provided with coverage.

What is Not Covered

Policyholders of this plan are not provided with coverage for the following.

Pre-existing diseases are not covered by this plan and therefore cannot be used when applying for a claim.
Hospitalization pertaining to reasons other than implantation of major burns is not covered by this plan.
In the event that the insured individual undergoes an illness or injury during the initial 90-day waiting period, they are not provided with coverage for the same.
This plan does not provide coverage for any burns arising due to self-inflicted measures.

In order to have an understanding of all exclusions, please peruse the policy wordings.

How To Apply

Those interested in the Group Care 360 - Major Burns Cover can simply apply for this plan by following the steps mentioned below:

Visit Bajaj Markets

Visit our website and go to the Pocket Insurance and VAS page
Select Product

Choose Major Burns Cover from the wide array of products
Fill Details

Fill in your details in the online form
Make your payment

Make an instant payment and get your plan.

Claim Process

In order to apply for a claim, you are encouraged to connect with the team put together to help serve you best. They are available via the following methods.

Email – claims@careinsurance.com
Insurer’s Toll-free number provides insured individuals with immediate action - 1800-102-4488.

Documents Required for a Claim

In order to file a claim, policyholders are requested to provide the following details such that it can be processed with ease and efficiency.

Duly completed and signed Claim form, in original
Identity proof with photo, proof of age, and address
Medical Practitioner’s referral letter advising Hospitalization
Medical Practitioner’s prescription advising drugs / diagnostic tests / consultation
Original bills, receipts, and discharge card from the Hospital / Medical Practitioner
Original bills from pharmacy/chemists
Original pathological/diagnostic test reports and payment receipts
Indoor case papers (if applicable)
Accident proof - First Information Report/ final police report, if applicable
Disability Certificate from Government Medical Board, Fitness Certificate, Medical Prescription
Postmortem report, if conducted
Any other information /document as required by the Company or Assistance Service Provider to assess the Claim, in case fraud is suspected

Are expenses pertaining to medication covered?

Yes, this plan provides insured individuals with coverage aimed at providing funds for medications linked to hospitalization.

Are diagnostic tests covered under this plan?

Yes, diagnostic tests conducted prior to or during the period of being hospitalized are covered under this plan. This is conditional on the fact that the same be conducted within the specified pre-hospitalization time frame.