Patient Care Cover Plan

Anybody, at any time, can have a medical problem. There is enough proof to show that people’s lives have changed dramatically over time, and it has not always been for the better. Access to health insurance is crucial since sedentary lifestyles, and demanding schedules hurt people’s health. Moreover, healthcare costs continue to rise at a staggering rate. High hospitalisation costs might wreck your finances and deplete your hard-earned savings. If a family’s sole earning member needs medical care, the situation becomes even more challenging. Therefore, having the right insurance for your needs becomes even more crucial. Care Health Insurance Co. Ltd. assists you in overcoming this challenge by offering its Group Care 360 – Patient Care Cover that covers your daily hospitalisation costs at an incredibly affordable premium rate of just Rs. 354/annum. Let’s see what the policy comes with. 

Patient Care Cover Plan has a straightforward and hassle-free application process. The steps are: 

1. Select Buy Now

Clicking the “Buy Now” button on the product page will lead you to a page where you have to fill out a form. 

2. Enter the OTP 

To validate and check the application, enter the OTP issued to your mobile number. 

3. Make the Payment

Online payment methods can be used to pay the premium, including credit/debit cards, mobile wallets, UPI, and others. 

That’s it! You will receive the membership information on your WhatsApp or registered email address. 

The Patient Care Cover Plan is valid only if the following criteria are met:

• The person who wants to become a policyholder must be an Indian resident.

• The age requirement for applicants is that they must be above 18 years old.  

1. Daily cash cover

A daily cash benefit of Rs. 1,000 for a maximum of 30 days (i.e., up to Rs. 30,000) will be provided to the insured at just Rs. 354/annum if the insured becomes ill and requires hospitalisation. However, this benefit is only applicable for your necessary in-patient hospitalisation during the policy year and only upon submission of hospitalisation documentation.

2. Unexpected expenses coverage  

The insured will be paid for all the expenses mentioned under the Patient Care Cover Plan, including diagnostic testing, hospital room rental, ambulance fees, ICU, transfusions, and doctor fees.

Following are the patient care cover’s policy details and specifications:

• Coverage Limit

If you are hospitalised, you will get a daily cash benefit of up to Rs. 1,000 for a maximum of 30 days to cover your hospitalisation expenses. The maximum coverage amount is Rs. 30,000.

• Validity 

The plan’s validity is one year.

The Patient Care Cover Policy does not include the following things: 

1. Expenses beyond 30 days

The insured will not be granted any payment for stays longer than 30 days in the hospital.

2. Pre-existing diseases

Any expenses related to pre-existing diseases or any complications resulting from such a condition shall be excluded until the expiry of 24 months after the start of the policy.

3. Early claims

Any claim made within 30 days from the policy start date will be excluded.

4.Specified ailments

Any expenses related to any named ailments as given in the policy statement shall be excluded until the expiry of 24 months after the start of the policy. 

By getting in touch with the insurer in one of the ways listed below, you can submit a claim under the patient care cover: 

• Call

Call on the toll-free number - 1800-102-4488 to make a claim within the date specified in the policy after the hospitalisation of the insured. 

• Email 

You can also email the policy number and other information to the team at claims@careinsurance.com.