Care Health Insurance*

CARE HEALTH INSURANCE ( *Since 2012* )

India's best *Claim Settlement Ratio* company ( *93%)

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🟦 *Joint venture of Union Bank of India and Corporation Bank*

🟪Features of the latest scheme *Care Supreme* Rs. 10 lakh coverage:

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1️⃣ *Each person in the family will get a coverage of Rs. 10 lakhs each* 

2️⃣ Each family member will get free treatment of Rs. 10 lakhs each for each hospital admission., (One person can claim any amount of Rs. 10 lakhs in a year, unlimited recharge) (If you get bonus, you will get a bill up to Rs. 70 lakhs)

3️⃣ *Medical expenses of Rs. 10 lakhs each, as many times as you want in a year *

4️⃣ Without Extra Premium

*1* st Year *10* Lakh

*2* nd Year *25* Lakh

*3* rd Year *40* Lakh

*4* th Year *50* Lakh

*5* th Year *60* Lakh

*From 6* th Year onwards, coverage will be available up to *70* *Lakh*.

5️⃣ *For hospital admission, you can select any room like Suite, Delux, Executive, and you will get the full amount.*

6️⃣ You will get complete coverage for Advanced Technology Treatment like Robotic Surgery.

 7️⃣ *Full medical expenses will be covered free of cost for 60 days before admission and up to 6 months after discharge*

8️⃣ *No ICU* charge limit

9️⃣ *Coverage for 541 diseases without 24-hour admission* 

1️⃣0️⃣ *10* lakhs of AYUSH treatment (Ayurveda, Unani, Siddha, Homeopathy)

1️⃣1️⃣ *Domiciliary Hospitalisation*

1️⃣2️⃣ Organ donor expenses will be fully covered

*1️⃣3️⃣Air Ambulance Road Ambulance Charge will also be covered*

1️⃣4️⃣ Wellness Benefit to get *30%* premium discount at the time of policy renewal

1️⃣5️⃣ *Cumulative Bonus : 600%*

(Bonus will be available even in the years of claim)

🟥Send a copy of Aadhaar card via WhatsApp and make online payment (Google Pay, Ph Pay, Mob Banking..) within *5* minutes *Health Documents and health cards* can be received on mobile. Now, even those living abroad can become members.

🟧You will get free treatment for accidents from the day after joining the scheme and free treatment for other illnesses after *30* days.

🟦 *Opportunity to port your existing schemes to a new one without losing the additional benefits you have received*

🌟🌟🌟

Secure Child Plan

Strong financial protection for your family's future 👨‍👩‍👧

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👨‍👩‍👧 Solid security for your family

✅ In case of accidental death / missing

➡️ Guaranteed monthly income for 100 months

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💰 Monthly income options available

▫️ ₹30,000 per month

▫️ ₹50,000 per month

▫️ ₹1,00,000 per month

▫️ ₹3,00,000 per month

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💎 Sum Insurance (SI) options

▫️ ₹30 lakhs

▫️ ₹50 lakhs

▫️ ₹1 crore

▫️ ₹3 crores

━━━━━━━━━━━━━━━━━━━━━━━━━� Up to 200% of SI

✔️ Permanent Partial Disability – Up to 200% of SI

✔️ Temporary Total Disability (TTD Plus) –

  1% of SI per week (Maximum 100 weeks)

  Up to a maximum of ₹50 lakh

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🎓 Child Education Protection

📘 10% of Sum Assured

(Available in addition to Accidental Death Coverage)

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🏥 Additional Benefits (30 LAC & Above 50LAC as per SI)

▫️ Fracture Cover (Major)

▫️ Major Diagnostic Tests

▫️ Mobility Cover

▫️ Burns Cover (Major)

Additional Benefits 

Above 50 Lac Coverage

▫️ Domestic Road Ambulance 

▫️ Nursing Care

▫️ Reconstructive Surgery

▫️ Repatriation Cost

▫️ Hospital Admission After Accident

30 LAC Coverage - 3 LAC

50 LAC Coverage & above - 5 LAC

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🎁 Loyalty Benefit

✨ 5% more SI on every renewal

✨ Up to a maximum of 50% of SI

✨ Applicable for Accidental Death and PTD

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📌 Entry Conditions

▫️ Entry Age: 18 – 64 Years

▫️ Renewal: Lifetime

▫️ Cover Type: Individual

▫️ Insured: Proposer Himself

▫️ Policy Term: 5 Years

▫️ 30 Lac coverage - Rs.25064/- 5 Year Premium.

▫️ 50 Lac coverage - Rs.43675/- 5 Year Premium.

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🔔 Choose a plan today — secure your family's future!

📞 Contact us today for more information.

+9180756 09532

** *Ultimate Care Senior*

**Best Health Insurance Company in Rural Sector**

**Claims Service Leader of the Year - India Insurance Summit & Awards 2024**

*For internal circulation only*

 Key Features

 * Age of the eldest insured member should be 60 years and above

 * Money Back (Premium Payback)

 * Loyalty Boost

 * Infinity Bonus

 * Unlimited Care

 * Health Services

 * Unlimited Automatic Recharge

 * New optional benefits introduced to make the premium more affordable: Co-Payment, RRM (Single Pvt. AC Room), Deductible (25k), Smart Select & Sub Limit riders.

## Plan Benefits and Boundary Conditions

| Benefit Name | Coverage |

|---|---|

| **SI Options** | 5L / 7L / 10L / 15L / 20L / 25L / 50L / 1Cr |

|Mm *In-Patient Care/Day Care Treatment** Up to SI 

**Room Rent** Up to SI |

*ICU** No Limit 

 **Advance Technology Methods** | Up to SI |

**Pre & Post Hospitalization Medical Expenses** Up to SI, up to 60 days prior to hospitalization; Up to SI, up to 90 days after discharge 

? *AYUSH Treatment** Up to SI 

*Domiciliary Hospitalization* Up to SI 

*Organ Donor Cover** Up to SI 

*Ambulance Cover** Up to SI, Any mode of transport such as Road Ambulance/ Air Ambulance etc 

*Cumulative Bonus** 50% of SI per year, max up to 100% of SI; Claim will not reduce Bonus Accrued 

*Unlimited Automatic Recharge** Available for unlimited times for unrelated or same illness. 

*Health Services** Discount Connect - Discounts on services such as consultations, diagnostics, maternity etc. at our network. 

    *Loyalty Boost** | An additional sum insured equal to the first policy year's sum insured will be added to the policy coverage after seven consecutive claim-free years, once in a policy lifetime 

*Medi Voucher** 2 pharmacy vouchers of Rs. 250 each per Policy shall be provided on 1st renewal with the Company |

| *New Born-Wait Period Benefit** Wait Period as per current policy will be applicable to the new born if added within 90 days of birth. 

Optional Benefits

Benefit Name Coverage |

*Infinity Bonus** 100% of Base SI per year irrespective of claim for unlimited times on continuous renewal of policy. Note: Shall not reduce in case of claim 

*Premium Payback/Money Back* In case no hospitalization related claim for the preceding 5 consecutive Policy Years, then 1st Policy base year premium shall be refunded in every block of 5 years 

**Unlimited Care** Any one claim during the lifetime of the Policy payable without any coverage limits. 

**Unlimited E-Consultations** Available for Consultations with General Physicians 

*Claim Shield** Specified list of items (list I, II, III & IV) that are non-payable shall be covered up to the sum insured | *PED Wait Period Modification** | PED wait period shall be modified to 1 year/ 2 years 

Wellness Discount* Up to 30% discount on Renewal Premium with healthy days program on Care Health - Customer App *Be-fit Plus* Unlimited access to Fitness centres can be availed by insured person aged below above 12 years |

*Out-patient Consultations (OPD 5000)** | General Physician & Specialists physician consultations: up to Rs 5,000 per insured, with a limit of Rs 500 per consultation *Grace Period Coverage* Your policy will remain active, ensuring continuous protection during the grace period (only coverage under the hospitalization expenses benefit shall be provided) 

*Annual Health Check-up* Once for all insured every policy year 

*Care OPD (OPD 500)** | Max 4 physical consultations per insured per policy year with general physician subject to maximum Rs 500 per consultation in policy year. Max 4 physical consultations per insured per policy year with listed specialist doctors subject to maximum Rs 500 per consultation in policy year |

| **Smart Select** | Up to SI for treatment in VFM Network Hospitals. 20% co-payment on claims in Non-Network Hospitals. |

| **Deductible** | Rs 25,000/- |

| **Room Rent Modification** | You have opted to modify Room category/Room eligibility to most economical Single private AC room. |

| **Co-payment** | 20% Co-payment will be applicable on all claims |

| **Sub-limit** | Applicable on list of ailments specified in Annexure 1 of the Certificate of Insurance |

| **Instant Cover Plus** | No PED wait period (for Diabetes/ Hypertension/ Hyperlipidimia /Asthma/ Chronic Obstructive Pulmonary Disease (COPD)/ Obesity/ Coronary Artery Disease with PTCA done prior to 1 year) |

*Note: Sub-limit is provided under add-on policy Extra Care. Instant Cover Plus is provided under add-on policy Special Care. *Optional benefits pre-added in sales preposition.*

## Annexure 1: Sub-limits Applicable on Claims

| Treatments | SI < 10L | SI >= 10L - 20L | SI > 20L |

|---|---|---|---|

| **Cataract (Per Eye)** | up to Rs. 30,000 | up to Rs. 40,000 | up to Rs. 50,000 |

| **Knee Replacement (Per Knee)** | up to Rs. 1,25,000 | up to Rs. 1,50,000 | up to Rs. 2,00,000 |

**Treatment for each and every Ailment / Procedure mentioned below:**

i. Cerebrovascular Accident and Cardio vascular Diseases

ii. Cancer (Including Chemotherapy / Radiotherapy)

iii. Medical Renal Diseases (Including Dialysis)

iv. Treatment of Breakage of Long Bones

 *Coverage:** up to Rs. 3,00,000 (SI < 10L) / up to Rs. 4,00,000 (SI >= 10L - 20L) / up to Rs. 5,00,000 (SI > 20L)

**Treatment for each and every Ailment / Procedure mentioned below:**

i. Surgery for treatment of all types of Hernia

ii. Hysterectomy

iii. Surgeries for Benign Prostate Hypertrophy (BPH)

iv. Surgical treatment of stones of renal system *Coverage:** up to Rs. 1,00,000 (SI < 10L) / up to Rs. 1,50,000 (SI >= 10L - 20L) / up to Rs. 2,00,000 (SI > 20L)

Eligibility & General Conditions

 * **Entry Age - Minimum:** Individual: Adult: 60 Years; Floater: Adult 60 Years (Second Member can be less than 60 Years)

 *Entry Age - Maximum:** Adult: No Upper Age; Child: 25 Years

*Exit Age:** Adult: Lifelong

 *Cover Type:** Individual: max up to 6 persons; Floater: max up to 2A2C

*Tenure Options:** 1 / 2 / 3 / 4 / 5 Years

 * **Pricing Zones:**

   *Zone 1:** Delhi NCR, Surat, Mathura, Aligarh

  *Zone 1A:** Telangana, Mumbai (MMR), Ahmedabad, Vadodra, Nashik

   * **Zone 2:** Pune, Indore, Bengaluru Urban, Rest of Gujarat

*Zone 3:** Rest of India

   * *(Note: 1. Cities above means adjoining cities also. 2. Delhi-NCR, Mumbai (MMR), is as defined by Government)*

 * **Who are covered (Relationship with respect to the Proposer):** Self, spouse/live-in partner/same sex partner, son, daughter, father, mother, mother-in-law, father-in-law, Grand father, grand mother

 * **Initial Waiting Period:** 30 Days for all Hospitalization except Accidental Hospitalization

 *Named Ailment Waiting Period:** 24 months

**Pre-Existing Diseases Waiting Period:** 36 months

## Care Health Insurance - Ultimate Joy: Health Insurance, Reimagined For Motherhood

 * A Plan that not only offers Maternity & New Born cover but also covers your health comprehensively.

*Why ultimate joy?*

Motherhood changes everything. Your priorities. Your plans. Your future. Your health insurance should keep up.

Meet a plan that celebrates your journey to parenthood and protects your health long after. This isn't just maternity cover. It's comprehensive health insurance designed for your new chapter - with worldwide maternity benefits up to 3 Lac^ for normal & C-section delivery, pre & post-natal care and newborn cover. Plus, you get the full strength of a complete health plan: hospitalization cover, modern treatments, unlimited e-consultations, wellness rewards and bonuses that grow even if you claim.

Because starting a family is a milestone. And milestones deserve protection that doesn't stop at maternity - it's there for every stage that follows.

*What do you get with ultimate joy?*

 * **Mother & New Born Baby Care:** For the moment you've waited for. Up to 3 Lac^ for delivery expenses, pre & post-natal care and newborn baby cover

 **Wellness Discount:** Enjoy up to a 30% discount on renewal premiums with healthy days program on Care Health - Customer App

 * **Infinity Bonus:** This benefit doesn't limit the cumulative bonus, providing a 100% bonus of base Sum Insured every year, irrespective of claims made - unlimited times

 * **Vintage Discount:** Up to 15% discount on premium for new policy buyers

 *Unlimited E-Consultation:** Available for Consultations with General Physicians and Specified Specialists

How does this plan work?

Built for your journey — from motherhood to lifelong health.

### Eligibility Criteria

| Field | Details |

| **Age of Proposer** | 18 Years or above |

| Entry Age – Minimum | Individual: 18 Years

Floater: 91 Days with at least 1 member of age 18 years or above 

| **Entry Age – Maximum** | Adult: Lifelong |

| Exit Age | Adult: Lifelong |

| **Cover Type** | Individual: Maximum up to 6 Persons

Floater: 1A1C/ 1A2C / 2A / 2A1C / 2A2C |

**Who are covered (Relationship with respect to the Proposer)** | Self, spouse/ live-in partner/ same sex partner, son, daughter, father, mother, mother-in-law, father-in law, grand-father, grand-mother and as per insurable interest *Plan Details*

| Sum Insured (SI) | ₹5L/ ₹7L/ ₹10L/ ₹15L/ ₹20L/ ₹25L/ ₹50L/ ₹75L/ ₹100L |

**In-Patient Care** | Up to SI |

| Day Care Treatments | All Day Care procedures, up to SI |

| **Advance Technology Methods** | Up to SI |

| Pre & Post Hospitalization Medical Expenses | Up to 60 days & up to 180 days |

| **Ambulance Cover** | Up to SI, any mode of transport such as Road/ Air/ Train/ Boat etc. |

| Organ Donor Cover | Up to SI |

| **Domiciliary Hospitalization** | Up to SI |

| Unlimited Automatic Recharge | Up to SI (unlimited times, applicable for same illness as well) | **AYUSH Treatments** Up to SI |

| Cumulative Bonus | 50% increase in SI per Policy Year; maximum up to 500% SI

Note: Shall not reduce in case of claim |

**Health Services** Health Portal- Doctor on chat, Healthy tips reminder, Digital locker for medical records, etc.

Discount Connect – Discounts on various services at our network |

| Mother & New Born Baby Care (Bronze)

*(Available only for Insured Person of age 18 to 45 years)*

Note: Coverage under this benefit is available worldwide. | 1% of SI per year up to maximum ₹1 Lac, Coverage amount can accumulate up to 4 times if no claim made under this benefit.

Pre & Post-Natal also covered within the maternity limit.

Coverage for New born is part of maternity Sum Insured; | **Room Rent** All categories covered |

 ICU Charges | No Limit |

| *Wellness Benefit** Discount on renewal premium based on active days achieved. Online fitness Coaching/ Counselling session from Wellness Coaches |

**Vintage Discount** 

| Policy Year | 1 | 2 | 3 & Above 

**Discount** 15% | 10% | 0% 

Optional Benefits

 * **Oocyte Care:** Covers up to ₹1 Lac Hospitalization Expenses related to complications arising due to Oocyte retrieval of Oocyte donor

 *Surrogacy Care:** Covers up to ₹1 Lac Hospitalization Expenses related to complications arising during pregnancy & post-partum delivery for the Surrogate Mother

 Child Adoption:** Up to ₹50,000

 * **Room Rent Modification:** Single Pvt. AC Room

*Infinity Bonus:100% bonus of Base SI per year, irrespective of claim made - unlimited times on continuous policy renewal

   Note: Shall not reduce in case of claim

*Spouse Care:* Applicable

 * **Mother & New Born Baby Care Modification (Bronze):*

 1% of SI per year maximum up to ₹1 Lac - waiting period 12 months

2% of SI per year maximum up to ₹2 Lac - waiting period 12 months 3% of SI per year maximum up to ₹3 Lac - waiting period 12 months 4% of SI per year maximum up to ₹3 Lac - waiting period 12 months

5% of SI per year maximum up to ₹3 Lac - waiting period 12 months

Wait Periods

 Field Details 

*Initial Wait Period**(not applicable on accident cases)* 30 Days 

Named Ailment 24 Months 

*Pre-Existing Diseases* 36 Months 

 Maternity Wait Period (Bronze) | 48 Months

*Supreme Enhance Health Insurance*

 Key Highlights

**Unlimited automatic recharge**: Unlimited times in a policy year for unrelated or same illness.

 **Cumulative bonus**: Up to 100% of base sum insured (10% of sum insured per year, max up to 100%), unaffected by claims made.

 **No limit on ICU charges**.

*No sub-limits on modern or conventional treatments**.

 **Organ donor cover**.

 **Ayush treatment cover**.

 Plan Advantages

 **Flexible choice of deductible** with a wide range of sum insured options max up to 195 lacs.

*Unlimited Care**: No limit on coverage amount on any single claim made in the policy lifetime (Optional Benefit available on payment of additional premium).

*Hassle-free cashless treatment** at leading hospitals across the country, with claim settlement directly by the insurer.

*Family Floater Plan**: Cover any member of your immediate family (yourself, spouse, children, or parents) under a single policy. *Longer policy term**: Choose a policy tenure between one to three years for convenient renewals.

How Aggregate Deductible Works

Supreme enhance works on the principle of a **Policy Deductible**, which is the pre-defined amount borne through your own finances or another insurance during a medical event. Any amount over and above the policy deductible is borne by the insurer. Sample Aggregate Deductible & Policy Coverage Options:

| Policy Coverage Amount | Aggregate Deductible |

| 45,00,000 | 5,00,000 |

| 95,00,000 | 5,00,000 |

| 93,00,000 | 7,00,000 |

| 90,00,000 | 10,00,000 |

| 85,00,000 | 15,00,000 | Comprehensive Coverage

 **In-Patient Care / Hospitalization**: Covers room charges, nursing expenses, ICU charges, surgeon's/doctor's fees, anaesthesia, blood, oxygen, and operation theater charges for hospitalization of at least 24 consecutive hours. **Pre-Hospitalization**: Covers medical expenses like examinations, tests, and medication incurred before hospitalization. **Post-Hospitalization**: Covers medical expenses for follow-up visits, consultations, therapy, and medication after discharge.

 * **Domiciliary Hospitalization**: Reimburses medical expenses for treatment at home exceeding 3 consecutive days when hospital transfer is not possible or a room is unavailable.

 **Organ Donor Cover**: Reimburses medical expenses incurred by an organ donor during transplant surgery.

 **Tax Benefits**: Tax liability reduction under the Income Tax Act, 1961 (subject to prevailing laws and amendments).

 * **Free-Look Period**: 30 days from the date of receipt of the policy to cancel and return the policy if found unsuitable.

 * **Continuous Coverage**: Reduction in the waiting period based on the number of years of continuous coverage under a similar plan with a previous insurer.

### Policy Terms & Eligibility

 **Entry Age**:

   * Individual / Floater Adult: 18 Years

   * Child: 90 Days

 * **Exit Age**:

   * Individual / Floater Adult: Lifelong

   * Child: 24 Years

 * **Policy Tenure**: 1 Year / 2 Year / 3 Year

 * **Initial Waiting Period**: 30 days on all claims except accidental claims

 * **Pre-existing Disease Waiting Period**: 36 months

 * **Named Ailment Waiting Period**: 24 month **Relationships Allowed**: Self, Spouse/Live-in partner/Same-sex partner, Son, Daughter, Father, Mother, Mother-in-law, Father-in-law, Grandfather, Grandmother, or any relationship with whom the proposer has an insurable interest.

 Plan Comparison: Plan 1 vs. Plan 2

| Features / Plan | Plan 1 | Plan 2 |

| **Sum Insured** | 45 Lac / 95 Lac | 45 Lac / 95 Lac |

| **Deductible** | 5 Lac / 7 Lac / 10 Lac | 5 Lac / 7 Lac / 10 Lac / 15 Lac |

| *Room Rent** Up to Sum Insured | Most Economical Single Pvt Room |

| **ICU Charges** | No Limit | No Limit **Pre-Hospitalization Medical Expenses** | 60 Days, Up to Sum Insured | 60 Days, Up to Sum Insured **Post-Hospitalization Medical Expenses** | 90 Days, Up to Sum Insured | 90 Days, Up to Sum Insured 

*Organ Donor Cover** Up to Sum Insured | Up to Sum Insured 

*AYUSH Treatment** | Up to Sum Insured Up to Sum Insured **Modern Treatment** Up to Sum Insured Up to Sum Insured **In-Patient Care / Day Care Treatments** Up to Sum Insured Up to Sum Insured 

*Air Ambulance** N.A | Up to SI per year (Optional) |

**Unlimited Care** | N.A | Any one claim during lifetime of policy payable without limits (Optional) **Domiciliary Hospitalization** Up to Sum Insured | Up to Sum Insured |

*Unlimited Automatic Recharge** | Unlimited times in a policy year for unrelated or same illness Unlimited times in a policy year for unrelated or same illness |

**Cumulative Bonus** | 10% of SI per year, max up to 100% of SI (Does not reduce in case of claim) 10% of SI per year, max up to 100% of

SI (Does not reduce in case of claim)

**Care Health Insurance** (formerly known as Religare Health Insurance) is one of India's prominent standalone health insurance providers. Known for its customer-centric approach and extensive hospital network, the company offers a wide spectrum of policies tailored for individuals, families, senior citizens, and people with pre-existing or chronic medical conditions.

### Core Features of Care Health Insurance Policies

 * **Extensive Hospital Network:** Access to over 24,800+ healthcare providers across India for cashless treatments.

 * **In-Patient & Daycare Care:** Comprehensive coverage for hospital stays exceeding 24 hours, alongside hundreds of advanced daycare treatments that do not require a full 24-hour hospitalization.

 * **Pre and Post-Hospitalization:** Covers medical expenses incurred days prior to admission (typically 30 to 60 days) and post-discharge (ranging from 60 up to 180 days depending on the specific plan).

 * **Automatic Restoration & No Claim Bonus (NCB):** Most plans feature automatic recharge options if the sum insured is exhausted during a policy year, alongside cumulative bonuses or "NCB Super" multipliers that increase the sum insured for every claim-free year.

 * **Modern & AYUSH Treatments:** Coverage for advanced/modern medical treatments as well as alternative treatments like Ayurveda, Unani, Siddha, and Homeopathy (AYUSH).

### Popular Categories & Flagship Plans

| Plan Type / Name | Target Audience & Key Focus |

|---|---|

| **Care Supreme** | The flagship retail health plan offering robust features like high sum insured options (up to ₹1 crore), unlimited automatic recharge, and extensive cumulative bonuses. |

| **Care Plan (Standard)** | A comprehensive and balanced health insurance policy for individuals and families, covering hospitalization, organ donors, and domiciliary care. |

| **Care Freedom** | Specially designed for individuals with pre-existing medical conditions or post-surgery profiles, featuring reduced waiting periods. |

| **Care Heart** | Tailored explicitly for individuals with a cardiac history, covering heart-related treatments and cardiac rehabilitation. |

| **Care Senior** | Crafted for senior citizens (aged 61 and above), addressing age-related health needs with optional co-payment waiver riders. |

| **Specialized & Condition-Specific Plans** | Target-specific policies formulated for illnesses like diabetes, hypertension, and cancer, or plans dedicated to women’s health and maternity. |

### Key Riders & Add-ons Available

To customize protection, policyholders can opt for various riders:

 * **Air Ambulance Cover:** Financial protection for emergency medical air evacuation.

 * **Care OPD:** Covers outpatient department costs such as doctor consultations, diagnostic tests, and pharmacy bills.

 * **No Claim Bonus Super:** Amplifies the cumulative bonus growth rate for every year without a claim.

 * **Reduction in PED Waiting Period:** Shortens the standard waiting period for pre-existing diseases.

 * **Co-Payment Waiver:** Eliminates mandatory co-pay requirements, particularly useful for senior-specific policies.