Care Health Care Freedom Health Plan
. The policy with many variants is designed to cater to the different needs of individuals to ensure quality
Care Health Care Freedom Health Plan (Formerly known as Religare Freedom Health Insurance)
When it comes to providing comprehensive health coverage, Care Health Insurance (Formerly known as Religare Health Insurance) comes in handy in every possible manner. The policy with many variants is designed to cater to the different needs of individuals to ensure quality healthcare. Under its ‘Care’ insurance, the insurer offers many variants, one of which is Care Global . The policy proves to be an ideal option for yourself and your policy. Here’s why!
Why should you buy Care Health Care Global?
With Care, you can ensure followoing benefits that make the policy worth considering:
Annual health check-up facility for all covered policy members
Up to 150% No Claim Bonus with NCB Super
Care anywhere – Global Cover for 12 Critical Illnesses
Unique Unlimited Automatic recharge
Care is available with different add-ons to fulfil your every insurance needs
Unlimited ICU expense cover
Tax benefits to be enjoyed for the premium paid towards the plan
The policy comes with lifelong renewability
Care Health Care Global Eligibility
Minimum Entry Age: 91 days
Maximum: No bar
Waiting period: 30 days
Waiting period for pre-existing illness: 48 months
Grace Period: 30 days
Care Health Care Global Policy Exclusions
The policy doesn’t cover the insured under below conditions:
If any claim arising out of an illness during the first 30 days of the policy, except accidental claims, will not be covered.
Claim arising for self-inflicted injury
Accident or injury due to the abuse of alcohol, intoxicants or drugs
Expenses incurred for treating AIDS/HIV
Claim arising due to war, warlike situations, foreign invasion, use of a nuclear weapon, riot, strike, criminal activity etc.
Pregnancy-related expenses, abortion, childbirth, miscarriage, and its consequences
Expenses of cosmetic surgery, mental disorder etc. are excluded
Congenital diseases
Care Health Care Global Claim Process
Care Health Care claim is a hassle-free process if you follow the right steps to claim it. To ensure a smooth claim settlement with the insurer, kindly follow the below claim steps:
Step 1: the first step is to inform the insurer. The Care Health Insurance(Formerly known as Religare Health Insurance) requires you to inform about a claim within 24 hours of hospitalisation. In case of a planned hospitalisation, it has to be notified 48 hours prior to the admission in the hospital.
Step 2: In case of a cashless claim, you can avail the Care claim form which is called pre-authorisation letter from the insurance desk at the hospital. Submit the filled-in form along with an ID.
Step 3: You’ll get approval from the insurer regarding this if the insurer finds the claim legitimate. If not, either you’ll receive a query from the claim management team or your claim will be rejected. However, you can continue healthcare services by paying the expenses on your own and later file a reimbursement claim with the insurer.
Step 4: While filing a reimbursement claim, submit all the required documents along with the claim form including original bills, discharge summary, doctor’s report etc.
Step 5: The insurer upon receiving of the claim form will verify your case. It may approve or reject the claim. On approval, you will be compensated for the incurred amount up to a certain limit. If your claim gets rejected, the insurer will communicate the reason for rejection. You can also avail your insurance claims for everyday Care card and for OPD care.
Documents Required:
To claim your insurance, the following documents need to be furnished:
Care Health Card
Pre-authorisation letter for cashless claim
Claim Form
Original Bills and receipts (reimbursement claim)
Identity Proof
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