Have you heard the name of Care health insurance company? No doubt this is India’s one of the best and most popular companies right now. But do you know the history of this company?
The super advantages and policies will make you feel mesmerized. It has offered policies for all types of people and that’s why people can choose their plans easily.
The Religare group started a company named “Religare insurance company” which is a subsidiary of Religare enterprises limited. It started its dream journey in July, 2012. It changed the name and now this company is known as “Care health insurance company“. The headquarter of this company is at Gurgaon, Haryana in India.
The company operates 158 offices across India and it has more than 8500 employees.Dr. Rashmi Saluja is the non-executive chairperson of this company and Mr. Anuj Gulati is the managing director and CEO of this renowned company. Co-promoter of this company is Kedaara Capital.
What are the Products of this Company?
This company offers retail segment for the insurance policies which are Family health policy, Joy maternity plan with baby cover,Policy for senior citizens, Top-up cover plan, Critical illness insurance for up to 32 critical illness, Cover for pre-existing heart ailments for up to 16 heart diseases, Aarogya Sanjeevani policy with Ayush coverage, Personal accident insurance, International travel policy, Group health plan and group personal accident policy for corporates, diabetes and hypertension cover and many more products.
These amazing products provide cover for specialized medical processes, expensive treatments, diagnostic tests, hospital room charges etc.
Amazing Insurance Plans and Their Limits
Super Top up Plan
The minimum age for this plan is 1 day and it has no upper age bound. Minimum coverage is Rs 1 lakh and maximum is Rs 55 lakh.
Care Joy Maternity Cover Plan
Start this policy if you are 1 day to 65 years old. The plan cover is Rs 3 lakh up to Rs 5 lakh.
Care Health Policy
This plan is available from 91 days old and it has no upper age restriction. Its coverage is Rs 3 lakh to Rs 6 crore.
Senior Citizen Insurance Plan
It starts from 61 years of age bound without any upper limit. Cover for this plan is minimum 3 lakh to maximum 10 lakh.
Critical Illness Insurance Plan
You can start this plan from 18 years and it is available up to the persons who are 65 years old. Its coverage is minimum Rs 1 lakh to maximum Rs 25 crore.
Mediclaim Policy
To be eligible for this plan, you need to be at least 5 years old and this facility can be taken until you cross 50 years of your life. Cover of this plan is minimum Rs 10 lakh to maximum Rs 2 crore.
Heart Care Policy
Minimum age for this plan is 18 years and it has no upper limit. Its minimum cover is Rs 3 lakh and maximum is Rs10 lakh.
Operation Mediclaim Plan
Minimum age for this plan is 5 years and it is available up to 50 years. The minimum coverage is Rs 10 lakh and the maximum Rs 2 crore.
Healthcare Advantage Policy
Minimum age is 91 days and it has no upper age bound. The minimum cover of this plan is 25 lakh and the maximum is 1 crore.
Health Secure Personal Accident Insurance
The least age for the plan is 91 days and it is available up to 70 years old. Minimum cover of this plan is Rs 10 lakh and the maximum cover is Rs 25 crore.
Freedom Plan
The age limit starts from 90 days and it has no upper age restriction. Coverage starts from Rs 3 lakh and highest cover is Rs 10 lakh.
Aarogya Sanjeevani Policy
Age limit starts from 3 months and the highest age limit is 65 years. Coverage of this policy is minimum Rs 50,000 and maximum amount is Rs 10 lakh.
Corona Kavach Policy
The least age is 1 day and the maximum age should not be more than 70 years. Coverage for this plan is Rs 50,000 to Rs 5 lakh.
Special Advantages of This Company Policy
- It provides pre-hospitalization cover up to 30 days and post-hospitalization cover up to 60 days.
- Free coverage for a newborn baby up to 90 days.
- Organ donor expenses can be claimed.
- It has a promising claim settlement ratio which defines the best claim settlement ability. The ratio percentage is 93%.
- You will get ambulance cover and health check up cover.
- The policy is life-long renewable and you don’t need to worry even if you face any financial issue during a medical emergency.
- Day-care treatment coverage is also available in this policy. Day-care treatment is when you don’t need 24 hours of hospitalization.
- Single private air-conditioned room is available.
- Unlimited cover for ICU charges and doctor fees.
- It provides a family insurance plan for up to 6 members.
- Alternative treatments such as Homeopathy, Ayuush hospitalization, Unani, Siddha, Ayurveda have also been covered in this policy.
- After a waiting period of 4 years, it provides coverage for pre-existing diseases.
- Maternity claim after a waiting period of 9 months is available.
- It has a wide network of over more than 7400 hospitals with cashless facilities.
- It offers robotic surgery coverage too.
When the Policy/Coverage is Unavailable?
- If any symptoms or diagnosis is happening for the first time within the 30 days of the policy start date.
- Any expense resulting from suicide or attempting suicide is excluded from the policy.
- Coverage for the treatment of alcohol addicts or drug users is not available.
- Treatment for AIDS patients is excluded too.
- Miscarriage, abortion or their consequences.
- If there are any congenital diseases.
- Any kind of treatment or diagnosis related to infertility or in-vitro fertilization.
- If the patient is hospitalized because of war, strike or nuclear weapon attack.
Achievements
It achieved ‘Best Health Insurance Product Award’ at FICCI Healthcare Excellence Awards in 2015, 2018 and 2019.
Conclusion
In this article we have described about the products, plans, exclusions, advantages and achievements of Care health insurance. Now it will be easy for you to understand the facilities and the reasons why it is better than others. Hope you have liked this article. Please let us know and share your opinion about this company. Enjoy your day!
