CARE HEALTH INSURANCE

Care

Features

• High Sum Insured options upto Rs. 75 Lacs.*
• Automatic recharge of Sum Insured
• Annual health check-up for all insured members
• Up to 150% increase in Sum Insured with NCB & NCB Super**
• Covers AYUSH Up to specified limits#
• In-built Maternity coverage (available with select Sum Insured options)
• Care Anywhere - covers treatment for specified critical illnesses globally (available with select Sum Insured options) ^
• 540 + Day Care treatment covered
• No Upper limit cap on entry age
• Tax Benefits under Section 80D of IT Act 1961^##

Policy Terms

• Minimum entry age is
  • 5 Years in case of Individual Policy
  • 91 days in a family floater with one member Age >18 Years.

• No upper age limit for enrollment (maximum entry age for child is 24 years).
• Lifelong Renewability
• Customer can choose to purchase a policy with co-Payment or without co-payment if the entry age >=61 Year.
• 30 days waiting period for claim for any illnesses, except injury.
• 24 months waiting period for named ailments
• 48 months waiting period for pre-existing diseases
• Grace period of 30 days to renew your policy.

Non-Exhaustive list of Policy Exclusions (Please refer to Policy T&C for complete list of Policy Exclusions)

• Any item or condition or treatment specified in list of non-medical items
• Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded
• Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured
• Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving.
• Expenses for treatment directly arising from or consequent upon any insured person committing or attempting to commit a breach of law with criminal intent
• Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide).
• Treatment for alcoholism, drug or substance abuse or any addictive condition and consequences thereof
• Treatment of any external congenital anomaly, illness or defects or anomalies or treatment relating to external birth defects
• Tests and treatment relating to infertility.
• War, riot, strike, nuclear weapons induced hospitalization.

Foot notes:

*Other Sum Insured options are also available. ** For 5 consecutive claim free years by using No Claims Bonus (NCB) & No Claims Bonus Super (Optional Cover). Incremental increase every year is applicable on base Sum Insured. If a claim is made in any particular year, accrued NCB and NCB-Super will be reduced at the same rate at which it is accrued. ^ Available with Sum Insured options Rs 50, 60, 75 Lakhs. #Coverage for Alternative Treatment is up to a specified limit and varies with the plan chosen. This benefit covers ‘Ayurveda, Sidha, Unani and Homeopathy’ only. ##As per section 80D of Income Tax Act, an Adult (aged between 18 & 60 years) can save tax on a premium paid by him/her up to Rs.25,000 for his & his family’s policy & up to Rs.50,000 for his/her senior citizen parents (aged 60 years & above). Tax Benefits under the policy will be as per the prevailing Income Tax laws and are subject to amendments from time to time. For tax related queries, contact your independent tax advisor.

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Care Advantage

Features:

• High Sum Insured option of Rs. 6cr*
• Wider coverage on pre & post hospitalization^
• Unlimited e-consultation with general physician at our network^
• No room rent capping (no sub-limit)
• Upto 150% increase in Sum Insured with NCB & NCB Super**
• Automatic recharge of Sum Insured
• Road Ambulance and Organ Donor cover up to Sum Insured
• Tax Benefits under Section 80D of IT Act 1961^#

Policy Terms:

• Minimum Entry age –
  • 5 Years in case of Individual Policy
  • 91 days in a family floater with one member Age >=18 Years

• Maximum Entry Age: No upper age limit for enrolment (maximum entry age for child is 24 years).
• Lifelong Renewability
• Co-Payment 20% per claim, where entry age of insured / eldest member is 61 years or above
• Initial waiting period of 30 days for any illness ( except accidental injury)
• 24 months waiting period for named ailment
• 48 months waiting period for pre-existing disease

Non-Exhaustive list of Policy Exclusions (Please refer to Policy T&C for complete list of Policy Exclusions)

• Any item or condition or treatment specified in list of non-medical items
• Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded
• Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured.
• Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving.
• Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent
• Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide).
• Treatment for alcoholism, drug or substance abuse or any addictive condition and consequences thereof
• Treatment arising from or traceable to pregnancy and childbirth, miscarriage (unless due to an accident), abortion.
• Treatment of any external congenital anomaly, illness or defects or anomalies or treatment relating to external birth defects
• Tests and treatment relating to infertility.
• War, riot, strike, nuclear weapons induced hospitalization

Foot note:

*Other SI options are also available. ^ With Protect Plus add-on cover against payment of additional premium. Sum Insured offered under Protect Plus shall be part of Base Policy Sum Insured ** For 5 consecutive claim free years by using No Claims Bonus (NCB) & No Claims Bonus Super (Optional Cover). Incremental increase every year is applicable on base Sum Insured. If a claim is made in any particular year, accrued NCB and NCB-Super will be reduced at the same rate at which it is accrued. #As per section 80D of Income Tax Act, an Adult (aged between 18 & 60 years) can save tax on a premium paid by him/her up to Rs.25,000 for his & his family’s policy & up to Rs.50,000 for his/her senior citizen parents (aged 60 years & above). Tax Benefits under the policy will be as per the prevailing Income Tax laws and are subject to amendments from time to time. For tax related queries, contact your independent tax advisor.

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ENHANCE

Features

• Flexible choice of deductible with wide range of Sum insured options max upto `55 lakhs*
• Annual health check-up for adult insured members – regardless of claim history
• No pre-policy medical check-up for coverage – (Deductible + Sum Insured) less than 40 lacs, till 50 years of age
• Avail select medical treatment anywhere in the world with Enhance Anywhere feature
• Hassle-free cashless treatment at leading hospitals, across the country
• Claim settlement directly by us

Non-Exhaustive list of Policy Exclusions (Please refer to Policy T&C for complete list of Policy Exclusions)

• Any pre-existing ailment/injury that was diagnosed/accquired within 48 months prior to issuance of the first policy.
• Any diseases contracted during first 30 days of the first policy start date except those arising out of accidents.
• Non-allopathic treatment.
• Expenses attribute to self-destruction or self-inflicted Injury, attempted suicide or suicide while sane or insane.
• Expenses arising out of or attributable to consumption, use, misuse or abuse of tobacco, intoxicating drugs and alcohol or hallucinogens.
• Charges incurred in connection with cost of routine eye and ear examinations, dentures, artificial teeth and all other similar external appliance.
• Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy.
• External congenital disease.
• Tests and treatment relating to sterility and infertility.

Footnote: * Deductible options are available upto a max of 20 Lacs. Select combinations of SI & deductible are available.

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Explore

Key Coverage for Medical needs

• Hospitalisation Cover – In-patient & Out-patient (in case of emergency)
• Pre-Existing Disease Coverage (in case of Life Threatening Conditions)*
• Daily Allowance for In-Patient Hospitalization
• Accidental Death/Permanent Total Disability

key Coverage for Non-medical needs

• Loss of Passport and loss/Delay of Checked-In baggage
• Trip Delay, Cancellation or Interruption
• Up-gradation To Business Class
• Personal Liability

Non-Exhaustive list of Policy Exclusions (Please refer to Policy T&C for complete list of Policy Exclusions)

• Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
• War and Nuclear perils or consequences thereof
• Any intentional self-injury, suicide or attempted suicide
• Any claim relating to hazardous activities
• The insured being involved in Breach of Law

Footnote: Above benefits have deductible/ sub-limits/ Max. Benefit limits * Optional cover is available on payment of additional premium.

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Student Explore

Features

• 4 plans to suit your International student insurance needs
• Comprehensive list of medical, travel & non-medical features
• Advantage of Optional Covers to match your university’s mandatory requirements
• Need based coverage tenure - 1 month to 3 years
• Flexibility to choose your geographical scope of coverage
• Host of new-age features like Loss of Laptop/Tablet, Sponsor Protection, Bail Bond, Accidental Benefits to name a few
• No pre-policy medical check-up
• Extended coverage in country of residence and coverage at home country

Non-Exhaustive list of Policy Exclusions (Please refer to Policy T&C for complete list of Policy Exclusions)

• The Insured Person:
  • traveling against the advice of a Medical Practitioner; or
  • receiving, or is supposed to receive, medical treatment; or
  • having received terminal prognosis for a medical condition; or
  • travelling for the purpose of obtaining medical treatment; or
  • taking part or is supposed to participate in a naval, military or air force operation or war like or peace keeping operation.

• An act of self-destruction or self-inflicted Injury, attempted suicide or suicide while sane or insane or Illness.
• Any Illness or Injury directly or indirectly resulting or arising from or occurring during commission of any breach of any law by the Insured Person with any criminal intent.
• Any treatment arising from or traceable to pregnancy (including voluntary termination), miscarriage (unless due to an Accident), childbirth, maternity (including caesarian section), abortion or complications of any of these. This exclusion will not apply to ectopic pregnancy, which is proved by diagnostic means and certification by a gynecologist that it is life threatening.
• Any treatment arising from or traceable to any fertility, infertility, sub fertility or assisted conception procedure or sterilization or procedure, birth control procedures, hormone replacement therapy, contraceptive supplies or services including complications arising due to supplying services or Assisted Reproductive Technology.
• Any dental treatment or surgery unless necessitated due to an Injury.

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