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Care

Care

Care

Care is a decent policy. It's got a few conditions, but nothing too outrageous. It covers most bases and throws in some nice benefits. One stand-out feature is that if you have pre-existing diseases (say diabetes), you can bring down the waitng period from 3 years to 2 years, with an add-on of course. However, there are other alrernatives to this policy.

What's good here?

coPay

You most likely don't have to split the bill

If you bought this policy after you turned 61, you have to pay 20% of the bill every time you make a claim. Otherwise, you are good to go. The insurer will pay all costs up to the sum insured.

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roomRent

You can pick a Single Private room but nothing fancy

You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.

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prePost

Pre & Post hospitalization expenses covered

No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 30 days before you are hospitalized and 60 days after discharge. This includes the cost of medication by the way.

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dayCare

Day Care treatments covered

If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.

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ayush

Covers Alternative Medicine

Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.

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diseaseSublimit

You always have full cover irrespective of the disease

No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.

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restoration

Good Restoration Benefit

Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, so that you can use this benefit in the event you have to endure multiple hospitalizations.

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healthCheckup

Free Health Checkups every year

If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs.

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What's okay here?

ped

Reasonable waiting period for pre-existing diseases

If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.

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ncb

Special Bonus for being healthy and not claiming insurance

Your sum insured increases by 10% each year, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 50%. Also, the bonus amount will reduce at same rate each time you make a claim. But hey, it's still a bonus.

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maternity

Maternity benefits offered

The insurer will also cover expenses related to maternity— Think hospitalization expenses incurred while giving birth. But they’ll only pay upto ₹1 lakh and make you wait 2 years before covering this expense if you opt for a base cover of ₹50 lakhs or more.

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domiciliary

Some coverage if you are forced to hospitalize at home

The insurer will pay up to 10% of the sum insured if you are forced to hospitalize at home due to a medical condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.

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Add-ons

Reduction in PED

This optional cover reduces the applicable pre-existing waiting period from 36 months to 24 months. If you are currently diagnosed with any condition and want to reduce the waiting period, it makes sense to opt for this add-on.

NCB Care

With this add-on, you get an additional bonus of 50% for every claim free year upto 100% of the base sum insured.

Unlimited Restore

Unlimited Restore will restore your cover in full every time a claim is settled.

Co-payment Waiver

With this add-on, the insurance company will increase the premiums and waive off the mandatory 20% co-payment if plan is purchased at the age of 61 years or above.

Care Shield

With this add-on, the insurer will increase your cover in line with inflation every year, your bonus amount will not be affected if the claim is less than 25% of base sum insured in the entire year and you also get extended coverage for generally excluded items like syringes, gloves, PPE kits etc.

OPD Care

With this add-on, you can get coverage for outpatient along with coverage for prescribed diagnostics and pharmacy upto defined limits based on the amount chosen for the OPD coverage.

Air Ambulance

With this add-on, the insurance company will provide coverage for Air Ambulance up to ₹5 lakhs.

Everyday Care

With this add-on, the insurance company provides OPD coverage upto 1% of the sum insured and pharmacy cover upto another 1% of the sum insured on a cashless basis. But remember, you have to co-pay 20% for each claim made and this add-on is available only in Delhi NCR, Mumbai, Pune, Bengaluru and Chennai.

Frequently Asked Questions

Yes. Care imposes 4 kinds of waiting periods -
  • 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
  • Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
  • Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
  • Maternity and Newborn Waiting Period: There’s a 2 years waiting period before you can make claims related to pregnancy and childbirth. Yes. The policy offers maternity benefits up to Rs. 1 lakh if your insured sum is 50 lakhs or above. For any amount less than these, the maternity benefits are excluded from the policy.
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