Care
Care Advantage
A ridiculously high cover for an almost unbelievable price. This policy sounds too good to be true. Perhaps the only chink in its armour is that if you're forced to get treatment at home due to the unavailability of hospital beds, the insurer won't cover these expenses. Despite this, the policy stands out as a solid option.
What's good here?
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.
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.
You can pick any room you like
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
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 - 60 days before you are hospitalized and 180 days after discharge. This includes the cost of medication by the way.
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.
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.
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.
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.
What's bad here?
No coverage if you are forced to hospitalize at home
The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. In insurance lingo, they call this a policy with no domiciliary cover.
The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. In insurance lingo, they call this a policy with no domiciliary cover.
What's okay here?
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.
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.
What's lacking here?
Your insurer doesn’t provide free health check-ups
If you want to get a full-body checkup just to make sure you’re in fine working condition, be ready to pay for it yourself or get an add-on to cover free health check-ups under the policy by paying a little extra in the premiums.
If you want to get a full-body checkup just to make sure you’re in fine working condition, be ready to pay for it yourself or get an add-on to cover free health check-ups under the policy by paying a little extra in the premiums.
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.
Care OPD
With this add-on, each insured member can avail up to 4 in-person consultations with a General Physician and 4 with a Specified Specialist annually on a reimbursement basis, with a maximum reimbursement of ₹500 per visit. This can be claimed once every quarter.
Smart Select
With this add-on, the insurance company offers 15% Discount on Base Policy Premium and allows treatment in SMART SELECT NETWORK hospitals without any restrictions. But applies 20% Co-Payment for the insured members if treatment is taken in NON-SMART SELECT NETWORK Hospital.
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.
Annual Health Check-up
Insured members get a free annual health check-up at network centres so long as they get medical tests prescribed in the policy. And since the cost can vary significantly for different profiles, we recommend speaking to our advisor before you take a call.
Air Ambulance
With this add-on, the insurance company will provide coverage for Air Ambulance up to ₹5 lakhs.
Room Modifier
With this add-on, the insurance company modifies the room rent restriction from Any Room to Single Private Room.
Frequently Asked Questions
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