Policy Terms What is not covered ?

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• Any pre-existing ailment/injury not covered upto 24 continuous

Minimum Entry age Adult: 18 years

Care Freedom Plan 1
Child: 90 days
Care Freedom Plan 2
Individual: 46 years
months from the date of policy issuance
• Any diseases contracted during first 30 days of the policy start
www.careinsurance.com
Quick quote & buy Online renewals Customer support Claim centre
Floater: Eldest Insured Person - 46 years date except those arising out of accidents
Other Adult: 18 years Child: 90 Days 1800-102-4488 | 1800-102-6655 [email protected]
• Any OPD Treatment
Maximum Entry Age Adult: Lifelong Child: 24 years • Expenses attributable to self-inflicted injury (resulting from
Age of Proposer 18 years or above suicide, attempted suicide)
• Expenses arising out of or attributable to alcohol or drug use/mis-
Cover Type Floater/Individual (upto 6 members)
use/abuse
Renewal Lifelong Renewal. The policy can be renewed under the then prevailing Health • Cost of spectacles/contact lenses, dental treatment expenses that
Insurance Product or its nearest substitute approved by IRDAI do not require hospitalisation
Grace Period 30 days from the policy period end date • Medical expenses incurred for treatment of AIDS
• Treatment arising from or traceable to pregnancy and childbirth,
Initial Waiting Period 30 days for any illness
miscarriage, abortion and its consequences
Waiting Period - Named Ailments 2 years of continued coverage • Congenital disease
Waiting Period - Pre Existing Diseases 2 years of continued coverage • Tests and treatment relating to infertility
Care Health Insurance Limited
Remember, there are some treatments such as non-infective arthritis, (Formerly known as Religare Health Insurance Company Limited)
cataract, joint replacement etc., which are covered only after completion Registered Office: 5th Floor, 19 Chawla House,
of 2 consecutive policy years. Nehru Place, New Delhi-110019
Correspondence Office: Unit No. 604 - 607, 6th Floor, Tower C,
Plan Option For a detailed set of exclusions, please log on to www.careinsurance.com. Unitech Cyber Park, Sector-39, Gurugram -122001 (Haryana)
(in `) Website: www.careinsurance.com
Sun Insured - on annual basis (in `) 3 Lacs# 5 Lacs# 7 Lacs / 10 Lacs## E-mail: [email protected]
Call us: 1800-102-4488 | 1800-102-6655
In-Patient Care Upto Sum Insured Upto Sum Insured Care Health Insurance Limited
This is only summary of selective features of product
Day Care Treatment (for selected ailments) Upto Sum Insured Upto Sum Insured Care Health Insurance (CHI) is a specialized Health Insurer offering . For more details on risk factors, terms and conditions
Recharge of Sum Insured 100% of original SI upon exhaustion of SI 100% of original SI upon exhaustion of SI health insurance services to employees of corporates, individual please read sales brochure carefully before concluding a sale.
customers and for financial inclusion as well. With CHI’s operating Please seek the advice of your insurance advisor if you require any
Annual Health Check-up Annually Annually philosophy being based on the principal tenet of ‘consumer-centrici- further information or clarification.
Consumable Allowance (Max. 7 days per ` 750 per day ` 1,000 per day ` 1,000 per day ty’, the company has consistently invested in the effective application
Hospitalization covered after 3 days) of technology to deliver excellence in customer servicing, product Insurance is a subject matter of solicitation.
innovation and value-for-money services. CIN:U66000DL2007PLC161503 UAN:20094044
Companion Benefit (if hospitalisation exceeds ` 10,000 ` 15,000 ` 15,000 UIN:IRDA/NL-HLT/RHI/P-H/V.I/36/2014-15
10 days) Care Health Insurance currently offers products in the retail segment
for Health Insurance, Critical Illness, Personal Accident, Top-up IRDA Registration Number - 148
Pre-hospitalization and Upto 7.5% of payable Upto 10% of payable Upto 10% of payable Hospitalization Coverage, International Travel Insurance and Maternity along with
Post-hospitalization expenses Hospitalization Hospitalization expenses Group Health Insurance and Group Personal Accident Insurance for
expenses expenses corporates.

Ver: SEP/20
Ambulance Cover Upto ` 1,000 per Hospitalization Upto ` 1,000 per Hospitalization The organization has been adjudged the ‘Best Health Insurance
Company’ at the ABP News-BFSI Awards & ‘Best Claims Service
Domiciliary Hospitalization Upto 10% of Sum Insured covered Upto 10% of Sum Insured covered
Leader of the Year – Insurance India Summit & Awards. Care Health
after 3 days after 3 days
Insurance has also received the ‘Editor’s Choice Award for Best
Product Innovation’ at Finnoviti and was conferred the ‘Best Medical
Dialysis Cover Upto ` 1,000 per sitting limited to Upto ` 1,000 per sitting limited to
Insurance Product Award’ at The FICCI Healthcare Awards.
BEST HEALTH
24 consecutive months 24 consecutive months
INSURANCE
Tenure 1 year/2 years/3 years 1 year/2 years/3 years Best Health Insurance Company - ABP News – BFSI Awards 2015, Best COMPANY
Claims Service Leader of the Year - Insurance India Summit & Awards 2018, OF THE YEAR
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Plan details under Rs. 3 Lacs and Rs. 5 Lacs Sum Insured refers to Care Freedom Plan-1 Best Product Innovation - Editor’s Choice Award Finnoviti 2013, Best
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Plan details under Rs. 7 Lacs and Rs. 10 Lacs Sum Insured refers to Care Freedom Plan-2 Medical Insurance Product - FICCI Healthcare Awards 2015.
EMERGING ASIA
INSURANCE AWARDS 2019
 Post-hospitalisation Health Check-up • Health Check+** (optional cover 3) - We provide You an option Direct Claim Settlement
to get Your Benefit – Annual Health Check-up upgraded to either
Presenting the freedom to get Health Insurance Coverage without Back home and till you are back on your feet - The expenses don’t Under this plan, you get Annual health check-up for all insured We believe in the old adage, “The proof of the pudding is in the
Diabetes Health Check-up or Cardiac Health Check-up. You can
worrying about your current health status. This plan of Care end once you are discharged. There are bound to be follow-up visits members, covered as adults, regardless of claims history. This eating.” So we back up our promise with an enduringly simple claims
avail the following set of tests under the upgraded annual health
Freedom offers you the liberty to lead the life of your choice and stay to your medical practitioner, medication that is required and includes Complete Blood Count with ESR, Urine routine, Blood procedure, which involves just you and us.
check-up:-
worry-free, always. Under this plan, you get sometimes even further confirmatory tests. We also cover the Group, Fasting Blood Sugar, Lipid Profile, Kidney Function Test, ECG. • Either in the case of an emergency or a planned hospitalisation, all
medical expenses incurred by you after your hospitalisation and is you have to do is present the CHI Health Card at any of our
• Freedom to get health insurance cover without any hassles Diabetes Health Check – up Cardiac Health Check – up
valid till 30 consecutive days beyond the Policy End Date. Longer Policy Term network of more than 7,000+ leading hospitals pan India and avail
• Freedom of quality treatment at leading network hospitals Complete Blood Count with ESR, Complete Blood Count with ESR,
To make the process of renewing your health insurance more Urine RE, Blood Group, Fasting & PP Urine RE, Blood Group, Fasting & PP the cashless service.
• Freedom to choose optional coverage Ambulance Cover Blood Sugar, TMT, Lipid Profile, Kidney Blood Sugar, TMT, Lipid Profile, Kidney
convenient, choose a policy with a term of one, two or three years.
Function Test, Liver Function Test, Function Test, Liver Function Test, • In case of reimbursement of expenses, all you need to do is notify
Getting to the hospital - It is our utmost concern that you get the What’s more! Avail a discount on your premium if you opt for a TSH, Medical Examination Report, TSH, Medical Examination Report, us immediately about the claim. Call us directly, send us the
medical attention you require as soon as possible in an emergency. 2-year policy term or a 3-year policy term. HbA1C, Urine for Micro Albuminuria, HbsAG, Chest X-ray
Hbs Ag specified documents and we’ll process your claim.
We will reimburse you for expenses that you incur on an ambulance
service offered by the hospital or any ambulance service provider, in Tax Benefit Since you interact directly with us, we can be doubly sure that you
**Optional Cover is available on payment of additional premium. For complete set of optional
an emergency situation. covers please visit our website. are satisfied. And when you are satisfied, we feel satisfied too.
Opting for health insurance is certainly a step in the right direction,
Key Benefits and it comes with a two-fold benefit. Not only does it ensure that
• Only 2 year wait period in case of Pre-existing Diseases Domiciliary Hospitalisation you and your family can access good medical care at all times, it also
• Annual health check-up for all insured members covered as adults enables you to avail a tax benefit on the premiums you pay towards
Sub-limits
Despite suffering from an illness/disease/injury (which would
• Automatic recharge of base sum insured if claim amount exhausts normally require care and treatment at a hospital), hospitalisation your health insurance, as per prevailing tax laws of the Income Tax Sum Insured - on annual basis (in `) 3 Lacs# 5 Lacs# 7 Lacs / 10 Lacs##
your coverage limit may not be possible - perhaps your state of health is such that you are Act, 1961. Room Rent/Room Category Twin Sharing Room Twin Sharing Room Single Private Room
• Ease of cashless treatment & settlement of claims directly by the in no condition to be moved to a hospital, or a room may not be (Tax Benefits under the policy will be as per the prevailing Income Tax laws and are subject subject to a max. of
company to amendments from time to time. For tax related queries, contact your independent tax 1% of SI per day
available. Don’t worry, we understand that and are happy to let you advisor.)
• Life-long Renewability Upto 2% of SI per day No Limit No Limit
know that under ‘Domiciliary Hospitalisation’, we will reimburse the ICU Charges
• Tax benefit on premium paid, u/s 80D of Income Tax Act – 1961*
medical expenses incurred by you during your treatment at home, as Free look period Co-payment* 20% per claim 20% per claim 20% per claim
long as it involves medical treatment for a period exceeding 3 Upto ` 20,000 per eye Upto ` 30,000 per eye Upto ` 30,000 per eye
We have your best interests at heart and at the same time recognise Treatment of Cataract
The freedom to be covered consecutive days and had actually merited hospitalisation.
that you know your needs best. Hence, after purchasing the policy, if Treatment of Total Knee Replacement Upto ` 80,000 Upto ` 1,00,000 Upto ` 1,20,000 per knee
In-patient Care (hospitalisation more than 24 hours) you find it unsuitable, you can cancel and return the policy to us. Our per knee per knee
If you are admitted to a hospital for in-patient care, for a minimum
Consumable Allowance policies come with a free-look period of 15 days from the date of Treatment for each Ailment/Procedure Upto ` 50,000 Upto ` 65,000 Upto ` 80,000
period of 24 consecutive hours, we cover for your treatment expenses It all adds up! A trip to a hospital involves more than just using the receipt of policy. If no Claim has been made under the Policy, we will mentioned below:-
- right from room charges, nursing expenses and intensive care unit doctor’s services and hospital facilities. You are bound to incur i. Surgery for treatment of all
refund the premium received after deducting proportionate risk
types of Hernia
charges to surgeon’s fee, doctor’s fee, anaesthesia, blood, oxygen, numerous ‘non-medical’ expenses such as consumables, premium for the period of cover & stamp duty charges, as applicable. ii. Hysterectomy
operation theatre charges, etc. transportation, attendant’s cost and other daily expenses that you iii. Surgeries for Benign Prostate
may not be able to even foresee. To meet these expenses, we pay The edge of new-age Hypertrophy (BPH)
Day Care Treatment (hospitalisation less than 24 hours) ‘Consumable Allowance’ - Max. 7 days per Hospitalization covered iv. Surgical treatment of stones of
• Companion Benefit – We will pay lumpsum amount once in a
renal system
We also pay for your medical expenses if you undergo any of the after 3 days. policy year if the insured person is admitted to a Hospital and the
Treatment for each Upto ` 2,00,000 Upto ` 2,50,000 Upto ` 3,00,000
specified day care treatments at a hospital or a Day Care Centre - we period of stay is more than 10 consecutive days. Ailment/Procedure mentioned below:-
cover more than 170 day care treatments. Recharge of Sum Insured • Dialysis Cover – We will cover Dialysis expenses by paying i. Treatment of Cerebrovascular
A refill is always welcome! Get automatic recharge of base Sum and Cardiovascular disorders
upto an amount per sitting, payable upto 24 months.
Pre-hospitalisation ii. Treatments/Surgeries for Cancer
Insured if claim amount exhausts your coverage limit. The recharged iii. Treatment of other renal complications
• Home Care** (optional cover 2) - We will indemnify the expenses
Examination, tests and medication - Sometimes the procedures that Sum Insured can be used by other insured members under the same and Disorders
incurred towards hiring a Qualified Nurse with the purpose of
finally lead you to hospital, such as investigative tests and medication, can policy for any future claim. The claimant can also use the recharged iv. Treatment for breakage of bones
providing care and convenience to perform Insured Person’s daily
be quite financially draining. We cover the medical expenses incurred Sum Insured for any future claim, not related to the ailment already
activities, subject to maximum of 7 days per illness/injury & *The applicable Co-payment will increase by 10% per Claim in the Policy Year following the Insured Person (or eldest Insured Person in the case of a Floater cover) attaining Age 71. If an Insured Person
by you before your hospitalisation as well. claimed during the same year. (or eldest Insured Person in the case of a Floater cover) attains age 71 years during the Policy Period, additional 10% co-payment will be applicable to the Policy only at the time of subsequent renewal.
maximum of 45 days per policy year after a deductible of 1 day. However, if the age of the Insured Person or eldest Insured Person (in case of Floater) at the time of issue of the first Policy with the Company is 70 years or below, then the Insured Person has an option
to waive the condition for the additional 10% Co-payment upon payment of extra premium in this regard.
*Tax Benefits under the policy will be as per the prevailing Income Tax laws and are subject to
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Plan details under Rs. 3 Lacs and Rs. 5 Lacs Sum Insured refers to Care Freedom Plan-1
amendments from time to time. For tax related queries, contact your independent tax advisor.
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Plan details under Rs. 7 Lacs and Rs. 10 Lacs Sum Insured refers to Care Freedom Plan-2