Care Policy

What is the Plan all About?

This health insurance plan offers value for money hospitalization insurance to the maiden health insurance buyers. This plan is an ideal health plan which offers various basic and value added health benefits. This plan can be taken by an individual and can also be taken for the family members.

Key Features

Wide range of health cover upto 60 lacs
Annual free health check up for insureds
No maximum entry age for the plan
Easy cashless treatment & claim settlement process
Automatic recharge of sum insured at zero cost
Super NCB option to avail max upto 150% of sum insured

Policy Benefits

Inpatient care, including room rent, doctor’s fees, nursing expenses, etc.for minimum hospitalization of 24 hours.
Pre hospitalization expenses are covered for 30 days before hospitalization and post hospitalization expenses covered for 60 days after hospitalization.
170 Day care procedures are covered which require hospitalization for less than 24 hours.
Domiciliary Hospitalization/treatment taken at home expenses is covered upto 10% of Sum Insured.
Organ Donor benefit covers the organ donor's medical expenses during transplant surgery. Expenses are covered as per sum insured opted under this plan.
Daily allowance upto Rs 500 per day for 5 days for sum insured 3 lacs and 4 lacs.

Value Added Benefits

This plan offers No Claim Bonus of 10% increase in the sum insured in the next year.Bonus keeps on building subject to a maximum of 50% of sum insured for claim free years. If opted for No claim bonus Super the maximum sum insured can be upto 150% ofsum insured.
This plan reinstates the entire SI for the policy which can be used for future claims.
Annual Health Check Up for all insureds regardless of claims history.
Get free of cost Second Opinion from medical expert/doctors.
Ambulance Charges are reimbursed upto the limits specified in the policy.
Tax Benefit under section 80D of Income Tax Act, 1961.

Sub Limits

Room Rent Limit specified under this plan is 1% of sum insured per day for 3 L and 4 L health cover. For higher health cover, single private room can be availed.
Co pay applies if the insured is more than 60 years of age. The insured will have to pay 20% of the claim amount under the policy and rest, the company will pay.

Waiting Period Clause

Initial Waiting Period: Any diseases contracted during first 30 days of the policy start date, except those arising out of accidents.
Specific Waiting Period: Some treatments such as non infective arthritis, joint replacement, hernia, etc. is covered after 2 consecutive policy years.
Pre existing Disease Waiting Period: Any pre-existing ailment/injury that was diagnosed /acquired within 48 months prior to issuance of the first policy.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	91 Days	No Limit
Sum Assured	3 Lacs	60 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	3 Year
Grace Period	30 Days From The Date Of Expiry To Renew The Policy	-
Free Look Period	15 Days	-
Riders	Everyday Care- Wellness Package & No Claim Bonus Super	-