CARE

Features:

1. High Sum Insured options of Rs. 75 Lakh.*
2. Automatic recharge of Sum Insured
3. Annual health check-up for all insured members
4. Upto 150% increase in Sum Insured with NCB & NCB Super**
5. Covers AYUSH Up to specified limits#
6. In-built Maternity coverage  (available with select Sum Insured options)
7. Care Anywhere -  covers treatment for specified critical illnesses globally (available with select Sum Insured options) ^
8. 540 + Day Care treatment covered
9. No Upper limit cap on entry age
10. Tax Benefits under Section 80D of IT Act 1961##

Policy Terms

1. Minimum entry age is
   • 5 Years in case of Individual Policy
   • 91 days in a family floater with one member Age >18 Years.
2. No upper age limit for enrollment (maximum entry age for child is 24 years).
3. Lifelong Renewability.
4. Customer can choose to purchase a policy with co-Payment or without co-payment if the entry age >=61 Year.
5. 30 days waiting period for claim for all illnesses, except injury.
6. 24 months waiting period for named ailments
7. 48 months waiting period for pre-existing diseases
8. Grace period of 30 days to renew your policy.

Non-Exhaustive list of Policy Exclusions (Please refer to Policy T&C for complete list of Policy Exclusions)

1. Any item or condition or treatment specified in list of non-medical items.
2. Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
3. Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured.
4. Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving.
5. Expenses for treatment directly arising from or consequent upon any insured person committing or attempting to commit a breach of law with criminal intent. 
6. Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide). 
7. Treatment for alcoholism, drug or substance abuse or any addictive condition and consequences thereof. 
8. Treatment of any external congenital anomaly, illness or defects or anomalies or treatment relating to external birth defects. 
9. Tests and treatment relating to infertility. 
10. War, riot, strike, nuclear weapons induced hospitalization.

Foot notes:

*Other Sum Insured options are also available.    ** For 5 consecutive claim free years by using No Claims Bonus (NCB) & No Claims Bonus Super (Optional Cover). Incremental increase every year is applicable on base Sum Insured. If a claim is made in any particular year, accrued NCB and NCB-Super will be reduced at the same rate at which it is accrued.   ^ Available with Sum Insured options Rs 50, 60, 75 Lakh.     #Coverage for Alternative Treatment is up to a specified limit and varies with the plan chosen. This benefit covers ‘Ayurveda, Sidha, Unani and Homeopathy’ only.    ##As per section 80D of Income Tax Act, an Adult (aged between 18 & 60 years) can save tax on a premium paid by him/her up to `25,000 for his & his  family’s policy & up to `50,000 for his/her senior citizen parents (aged 60 years & above). Tax Benefits under the policy will be as per the prevailing Income Tax laws and are subject to amendments from time to time. For tax related queries, contact your independent tax advisor.
Disclaimer:
Care Health Insurance Limited (Formerly Religare Health Insurance Company Limited) Registered Office: 5th Floor, 19 Chawla House, Nehru Place, New Delhi-110019    Correspondence Office: Unit No. 604 - 607, 6th Floor, Tower C, Unitech Cyber Park, Sector-39, Gurugram -122001 (Haryana)    Website: www.careinsurance.com    E-mail: customerfirst@careinsurance.com    Call us: 1800-102-4488
Disclaimer: This is only summary of selective features of product Care. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. Please seek the advice of your insurance advisor if you require any further information or clarification.
Saraswat Co-operative Bank Ltd. is a Corporate Agent of Care Health Insurance Limited bearing Certificate Number CA0137 and its Registered Office is at Saraswat Co-operative Bank Ltd. Bhavan, 953, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400025. The insurance products are offered and underwritten by Care Health Insurance Limited. Servicing of  the policy and adjudication of claims is sole responsibility of Care Health Insurance and Saraswat Co-operative Bank Ltd. of India cannot be held liable for the same.
Insurance is a subject matter of solicitation. CIN: U66000DL2007PLC161503       UIN: CHIHLIP22184V062122     UAN: 21105022

IRDAI Registration Number - 148

Features:

1. High Sum Insured options upto Rs. 1cr at affordable premium.
2. No room rent capping (no sub-limit)
3. Upto 150% increase in Sum Insured with NCB & NCB Super*
4. Automatic recharge of Sum Insured
5. Road Ambulance and Organ Donor  cover up to Sum Insured
6. Tax Benefits under Section 80D of IT Act 1961#

Policy Terms:

1. Minimum Entry age
   • 5 Years in case of Individual Policy
   • 91 days in a family floater with one member Age >=18 Years
2. Maximum Entry Age: No upper age limit for enrolment (maximum entry age for child is 24 years).
3. Lifelong Renewability
4. Co-Payment 20% per claim, where age of insured / eldest member is 61 years or above.
5. Initial waiting period of 30 days  for any illness (except accidental injury).
6. 24 months waiting period for named ailment.
7. 48 months waiting period for pre-existing disease.

Non-Exhaustive list of Policy Exclusions (Please refer to Policy T&C for complete list of Policy Exclusions)

1. Any item or condition or treatment specified in list of non-medical items. 
2. Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded. 
3. Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured. 
4. Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving. 
5. Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. 
6. Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide). 
7. Treatment for alcoholism, drug or substance abuse or any addictive condition and consequences thereof. 
8. Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion.  
9. Treatment of any external congenital anomaly, illness or defects or anomalies or treatment relating to external birth defects. 
10. Tests and treatment relating to infertility. 
11. War, riot, strike, nuclear weapons induced hospitalization.

Foot note:

Disclaimer:
Care Health Insurance Limited (Formerly Religare Health Insurance Company Limited) Registered Office: 5th Floor, 19 Chawla House, Nehru Place, New Delhi-110019    Correspondence Office: Unit No. 604 - 607, 6th Floor, Tower C, Unitech Cyber Park, Sector-39, Gurugram -122001 (Haryana)    Website: www.careinsurance.com    E-mail: customerfirst@careinsurance.com    Call us: 1800-102-4488

Disclaimer: This is only summary of selective features of product  Care advantage . For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. Please seek the advice of your insurance advisor if you require any further information or clarification.

Saraswat Co-operative Bank Ltd. is a Corporate Agent of Care Health Insurance Limited bearing Certificate Number CA0137 and its Registered Office is at Saraswat Co-operative Bank Ltd. Bhavan, 953, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400025. The insurance products are offered and underwritten by Care Health Insurance Limited. Servicing of  the policy and adjudication of claims is sole responsibility of Care Health Insurance and Saraswat Co-operative Bank Ltd. of India cannot be held liable for the same.

Insurance is a subject matter of solicitation. CIN: U66000DL2007PLC161503    UIN: RHIHLIP21015V012021     UAN: 21105023

IRDAI Registration Number - 148

Features:

• 1. No pre-policy medicals required for Policy Issuance
• 2. 2 Years waiting period for pre-existing diseases
• 3. Annual Health check-up for all insured  adult members
• 4. Automatic recharge of Sum Insured
• 5. Coverage for companion benefit or consumable allowance
• 6. Ease of cashless treatment, claim settled directly by Company
• 7. Lifelong renewability
• 8. Tax Benefits under Section 80D of IT Act 1961*

Policy Terms:

• 1. Care Freedom Plan - 3 lakh and 5 lakh - Adult: 18 years and Child 91 days (floater)
• 2. Care Freedom Plan - 7 lakh and 10 lakh – Eldest Insured Person: 46 years and Child 91 days (floater) & Other Adult: 18 years
• 3. Entry Age - Maximum: Adult Lifelong and Child 24 years
• 4. Lifelong Renewability
• 5. Co-payment
  1. i) For customer age up to 70 years 20% of the claim amount has to be borne by you.
     • In case of renewal at age >=71 years 30% co-payment will be charged. Customer can pay extra premium to reduce the Co-payment by 10%.
  2. ii) For entry age > 70 years, 30% of the claim amount has to be borne by you.
     • Reduction in Co-payment not possible for customers entering at Age>70 Years.

• 1. 30 days initial wait period for all illnesses (except accidental injury).
• 2. 24 months wait period for named ailments.
• 3. 24 months wait period for pre-existing disease.

Non-Exhaustive list of Policy Exclusions (Please refer to Policy T&C for complete list of Policy Exclusions)

• 1. Any item or condition or treatment specified in list of non-medical items.
• 2. Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
• 3. Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured.
• 4. Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving.
• 5. Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent.
• 6. Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide).
• 7. Treatment for alcoholism, drug or substance abuse or any addictive condition and consequences thereof.
• 8. Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion.
• 9. Treatment of any external Congenital Anomaly, Illness or defects or anomalies or treatment relating to external birth defects.
• 10. Tests and treatment relating to infertility.
• 11. War, riot, strike, nuclear weapons induced hospitalization.

Foot note:

*As per section 80D of Income Tax Act, an Adult (aged between 18 60 years) can save tax on a premium paid by him/her up to `25,000 for his & his  family’s policy & up to `50,000 for his/her senior citizen parents (aged 60 years above). Tax Benefits under the policy will be as per the prevailing Income Tax laws and are subject to amendments from time to time. For tax related queries, contact your independent tax advisor.

Disclaimers:
Care Health Insurance Limited (Formerly Religare Health Insurance Company Limited) Registered Office: 5th Floor, 19 Chawla House, Nehru Place, New Delhi-110019 Correspondence Office: Unit No. 604 - 607, 6th Floor, Tower C, Unitech Cyber Park, Sector-39, Gurugram -122001 (Haryana) Website: www.careinsurance.com E-mail: customerfirst@careinsurance.com Call: 1800-102-4488

Disclaimer: This is only summary of selective features of product  Care Freedom . For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. Please seek the advice of your insurance advisor if you require any further information or clarification.

Saraswat Co-operative Bank Ltd. is a Corporate Agent of Care Health Insurance Limited bearing Certificate Number CA0137 and its Registered Office is at Saraswat Co-operative Bank Ltd. Bhavan, 953, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400025. The insurance products are offered and underwritten by Care Health Insurance Limited. Servicing of the policy and adjudication of claims is sole responsibility of Care Health Insurance and Saraswat Co-operative Bank Ltd. of India cannot be held liable for the same.

Insurance is a subject matter of solicitation. CIN: U66000DL2007PLC161503    UAN: 21105024     UIN: RHIHLIP21519V022021

IRDAI Registration Number – 148

Features:

• 1. Customers already diagnosed with Heart ailments are eligible for this policy.
• 2. No pre-policy health check-up required for Policy Issuance.
• 3. Up to 50% Increase in Sum Insured with No Claim Bonus*.
• 4. Automatic recharge of Sum Insured once in a Policy Year.
• 5. Once in a year Cardiac health check-up for insured members.
• 6. Only 2 years wait period for pre-existing diseases.

Policy Term:

• 1. Entry Age - Minimum Adult : 18 years,
• 2. Entry Age - Maximum Life Long
• 3. Lifelong Renewability
• 4. Co-payment
  • i) For customer age up to 70 years 20% of the claim amount has to be borne by you.
    • In case of renewal at age >=71 years 30% co-payment will be charged. Customer can pay extra premium to reduce the Co-payment by 10%.
  • ii) For entry age > 70 years, 30% of the claim amount has to be borne by you.
    • Reduction in Co-payment not possible for customers entering at Age>70 Years.
• 1. Waiting period
  • i) Initial waiting period - 30 days for any illness (except accidental injury)
  • ii) Named ailment waiting period - 24 months of continued coverage
  • iii) Pre-existing disease waiting period - 24 months of continued coverage

Non-Exhaustive list of Policy Exclusions (Please refer to Policy T&C for complete list of Policy Exclusions)

• 1. Any item or condition or treatment specified in List of Non-Medical Items
• 2. Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded
• 3. Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured
• 4. Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving.
• 5. Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent
• 6. Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide).
• 7. Treatment for alcoholism, drug or substance abuse or any addictive condition and consequences thereof
• 8. Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion.
• 9. Treatment of any external congenital anomaly, iIllness or defects or anomalies or treatment relating to external birth defects
• 10. Tests and treatment relating to infertility.
• 11. War, riot, strike, nuclear weapons induced hospitalization.

Footnote:

*   For 5 consecutive claim free years by using No Claims Bonus (NCB). Incremental increase every year is applicable on base Sum Insured. If a claim is made in any particular year, accrued NCB will be reduced at the same rate at which it is accrued
Disclaimers:
Care Health Insurance Limited (Formerly Religare Health Insurance Company Limited)  Registered Office: 5th Floor, 19 Chawla House, Nehru Place, New Delhi-110019    Correspondence Office: Unit No. 604 - 607, 6th Floor, Tower C, Unitech Cyber Park, Sector-39, Gurugram -122001 (Haryana)      Website: www.careinsurance.com      E-mail: customerfirst@careinsurance.com       Call: 1800-102-4488
Disclaimer: This is only summary of selective features of product Care Heart . For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. Please seek the advice of your insurance advisor if you require any further information or clarification.
Saraswat Co-operative Bank Ltd. is a Corporate Agent of Care Health Insurance Limited bearing Certificate Number CA0137 and its Registered Office is at Saraswat Co-operative Bank Ltd. Bhavan, 953, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400025. The insurance products are offered and underwritten by Care Health Insurance Limited. Servicing of  the policy and adjudication of claims is sole responsibility of Care Health Insurance and Saraswat Co-operative Bank Ltd. of India cannot be held liable for the same.
Insurance is a subject matter of solicitation. CIN: U66000DL2007PLC161503    UAN: 21105025   
UIN: RHIHLIP21371V0220211

IRDAI Registration Number – 148