Care Health Insurance Care Product Product Benefits

Care Health Insurance – Care Product – Product Benefits

Policy Name Care Health Insurance – Care Product
1. Hospitalisation Expenses More than 24hrs of Hospitalisation Expenses
Room Rent For SI 2/3/4 lacs 1% of Sum Insured, for other up to Single Private Room
ICU For SI 2/3/4 lacs 2% of Sum Insured, for other SI no restriction
2. Pre Hospitalisation 30 Days
3. Post Hospitalisation 60 Days
4. Road Ambulance Yes, Min 1500 per claim, max 3000 per claim
5. Air Ambulance Not Covered
6. Day Care Procedures Covered, 171 procedures
7. Out Patient Expenses Not Covered
8. Organ Donor Expenses: Yes, Min. 50000 to Max. 3lacs
9. Recovery benefit: Not Covered
10. Physiotherapy Expenses: Not Covered
11. Sum Insured Reinstatement Benefit: Yes
12. Ayurvedic & Homeopathic treatment Hospitalisation Expenses Not Covered
13. Maternity Expenses Not Covered
14. New Born Baby Cover Not Covered
15. Preventive Health Check Up Yes, annually irrespective of claims history
Add on Covers
Ancillary Expenses Benefit Rs. 500/day for 5days only for SI 3/4lacs
Personal Accident Benefit Not Covered
Critical Illness Benefit Not Covered
UW Guidelines
SI 3/4/5/7/10/15/20/25/50/60 lacs
Age group 91Days, no Max entry age
Dependent Children covered upto 18yrs
Cumulative Bonus 10% for each claim free year, Max 50%
Waiting periods
Initial waiting Period 30 Days for Hospitalisation
For Listed illness 2yrs
Pre Existing Diseases 48months
Family Discount 5% to 10%
Add on Cover Discount No
Claim Free Renewal Discount No
Other Discounts if any Cross sell discount 10%, Multiple year policy 7.5% to 10%