Care

Care: A decent policy with a few conditions. It covers most bases and offers some nice benefits. If you have pre-existing conditions like diabetes, expect a 4-year waiting period unless you pay extra to reduce it to 2 years.

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whatWeLike What We Like

This section highlights the strengths and benefits of Care policy by Care. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

You most likely don't have to split the bill

Co-Pay for Claims After Age 61 (20%): If you bought this policy after turning 61, you need to pay 20% of the bill for each claim. Otherwise, the insur...

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You can pick a Single Private room but nothing fancy

Room Choice Co-Payment: You can share a room or have a single room for yourself. But if you're looking for something fancier, be ready to foot part of...

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Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (30 days/60 days): No worries if the doctor has to run a series of diagnostic tests before or after hospitalizing you. The i...

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Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

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You always have full cover irrespective of the disease

No Disease-Wise Sub-Limits: If your insurer hasn't explicitly excluded an illness, you can claim the full sum insured for any disease, as this policy ...

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Good Restoration Benefit

Multiple Hospitalizations: After a partial claim, the insurer will fully restore your cover for any future hospitalizations within the same year, allo...

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Free Health Checkups every year

Annual Full Body Checkup: If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer...

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whatIsOk What Is Okay

This section outlines the satisfactory but not exceptional aspects of Care policy by Care. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

Special Bonus for being healthy and not claiming insurance

Hypertension and Cardiovascular Coverage: If you have hypertension, cardiovascular problems, or similar illnesses, the insurer covers all costs after ...

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Some coverage if you are forced to hospitalize at home

Sum Insured Increase (10% Annually, Cap at 50%, Claim Reduction): Your sum insured increases by 10% each year as long as you make no claims during thi...

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Covers Alternative Medicine

Sum Insured Increase (10% Annually, Cap at 50%, Claim Reduction): Your sum insured increases by 10% each year as long as you make no claims during thi...

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whatWeDontLike What We Don't Like

This section addresses the limitations and drawbacks of Care policy by Care. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

Long waiting period for pre-existing diseases

Hypertension and Cardiovascular Coverage: If you have hypertension, cardiovascular problems, or similar illnesses, the insurer covers all costs after ...

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Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Care in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Care Plan by Care Health Insurance (formerly Religare) is available for individuals aged 5 years and above, with no upper age limit.

Yes, pre-existing conditions are covered after a waiting period of 48 months.

The plan covers alternative treatments like Ayurveda, Unani, and Homeopathy, up to a specified limit.

Yes, the plan offers a No Claim Bonus that increases the sum insured by 10% for each claim-free year, up to a maximum of 50%.

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