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    Care - Comprehensive Health Insurance Plan

    Uploaded by

    Kirat Singh
    This document summarizes the key features of a comprehensive health insurance plan called "Care - Comprehensive Health Insurance Plan". It covers room rent, ICU expenses, pre- and post-hospitalization expenses. It provides no claim bonuses up to 150% of the sum insured after 5 years. It offers annual health checkups, maternity coverage, ambulance services, second medical opinions, and coverage of alternative treatments. It also covers new medical technologies, treatments for permanent pre-existing conditions, and mental illness. Waiting periods apply for certain pre-existing diseases and non-accident related claims.

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    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd

    Care - Comprehensive Health Insurance Plan

    Uploaded by

    Kirat Singh
    274 views39 pages
    This document summarizes the key features of a comprehensive health insurance plan called "Care - Comprehensive Health Insurance Plan". It covers room rent, ICU expenses, pre- and post-hospitalization expenses. It provides no claim bonuses up to 150% of the sum insured after 5 years. It offers annual health checkups, maternity coverage, ambulance services, second medical opinions, and coverage of alternative treatments. It also covers new medical technologies, treatments for permanent pre-existing conditions, and mental illness. Waiting periods apply for certain pre-existing diseases and non-accident related claims.

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    care insurance benefits

    Original Title

    Care Powerpiont

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    This document summarizes the key features of a comprehensive health insurance plan called "Care - Comprehensive Health Insurance Plan". It covers room rent, ICU expenses, pre- and post-hospitalization expenses. It provides no claim bonuses up to 150% of the sum insured after 5 years. It offers annual health checkups, maternity coverage, ambulance services, second medical opinions, and coverage of alternative treatments. It also covers new medical technologies, treatments for permanent pre-existing conditions, and mental illness. Waiting periods apply for certain pre-existing diseases and non-accident related claims.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    274 views39 pages

    Care - Comprehensive Health Insurance Plan

    Uploaded by

    Kirat Singh
    This document summarizes the key features of a comprehensive health insurance plan called "Care - Comprehensive Health Insurance Plan". It covers room rent, ICU expenses, pre- and post-hospitalization expenses. It provides no claim bonuses up to 150% of the sum insured after 5 years. It offers annual health checkups, maternity coverage, ambulance services, second medical opinions, and coverage of alternative treatments. It also covers new medical technologies, treatments for permanent pre-existing conditions, and mental illness. Waiting periods apply for certain pre-existing diseases and non-accident related claims.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 39

    Care – Comprehensive Health

    Insurance Plan
    1) Single STD. Room Rent at Actual
    2) ICU Rent at Actual
    3) 100% Automatic Recharge on Claim
    4) 30 Days Before - Pre Hospitalization
    Expenses Cover
    5) 60 Days After - Post Hospitalization
    Expenses Cover
    6) No Claim Bonus
    50% Bonus 150%
    1 Yr 10% Bonus
    1 Yr 60%
    2 Yrs 10%
    2 Yrs 60%
    3 Yrs 10% 3 Yrs 10%
    4 Yrs 10% 4 Yrs 10%
    5 Yrs 10% 5 Yrs 10%
    Sum Insured : 10 Lakhs
    With 50% Bonus
    10 Lakhs
    1 Yr 10% (1Lakhs) = 11 Lakhs
    2 Yrs 10% (1Lakhs) = 12 Lakhs
    3 Yrs 10% (1 Lakhs) = 13 Lakhs
    4 Yrs 10% (1 Lakhs) = 14 Lakhs
    5 Yrs 10% (1Lakhs) = 15 Lakhs
    Maximum Policy 15,00,000
    Sum Insured : 10 Lakhs
    With 150% Bonus
    10 Lakhs
    1 Yr 60% (6 Lakhs) = 16 Lakhs
    2 Yrs 60% (6 Lakhs) = 22 Lakhs
    3 Yrs 10% (1 Lakhs) = 23 Lakhs
    4 Yrs 10% (1 Lakhs) = 24 Lakhs
    5 Yrs 10% (1Lakhs) = 25 Lakhs
    Maximum Policy 25,00,000
    7) Organ Donor Cover *
    8) FREE Annual Health Check up
    Annual Health Check up
    Sum Insured : Complete Blood Count with ESR, Urine
    3 Lakhs Routine, Blood Group, Fasting Blood
    Sugar, Serum Cholesterol, SGPT, Serum
    4 Lakhs Creatinine, ECG

    Sum Insured : Complete Blood Count with ESR, Urine


    5, 7 & 10 Lakhs Routine, Blood Group, Fasting Blood
    Sugar, Lipid Profile, Kidney Function Test,
    ECG

    Sum Insured : Complete Blood Count with ESR, Urine


    15,20,25,30, Routine, Blood Group, Fasting Blood
    40,50,60 & 75 Sugar, Lipid Profile, TMT, Kidney Function
    Lakhs Test
    9) Maternity Cover upto 1 Lakhs*
    (Sum Insured 50 Lakhs & above)
    10) Ambulance Cover up to
    1500 to 3000
    11) Second Opinion Benefit
    (Fix illness Only) *
    12) Alternative Treatments AYUSH
    (Ayureveda, Unani, Sindha & Homeopathy)*
    13) Care Anywhere – 50 Lakhs &
    above (Major illness Only)*
    14) 541 Day Care Procedures Cover
    15) Domiciliary Hospitalization up to
    10% of Sum Insured
    16) Daily Allowance
    (Rs. 1,000 to 10,000)
    Optional Cover

    Unlimited Automatic Recharge

    Everyday Care
    OPD Care
    Daily Allowance
    BIG CHANGE

    Coverage for Advanced Technologies &


    Treatments
    Coverage of certain Existing Permanent
    Exclusions

    Reduction in Non-Consumable item


    List
    17) Robotic Surgery
    Customers can have comfort of shorter
    Hospitalization & Reduced Recovery Time with
    ROBOTIC SURGERY
    18) Stem Cell Therapy
    Customers can more equipped to defeat Major
    illness like : CANCER
    19) Bronchical Thermoplasty
    Customers can now treat their Asthma with
    Bronchical Thermoplasty
    20) ORAL Chemotherapy
    NOW Customers can FIGHT CANCER with
    ORAL CHEMOTHERAPY
    21) Mental illness Coverd
    Treatment of MENTAL ILLNESS Like : Depression,
    Anxiety etc. are NOW covered
    22) HIV/AIDS
    Now HIV/AIDS Treatment also POSSIBLE
    23) Bariatric Surgery
    Customers reduce OCCURRENCE OF
    Type 2 Diabetes, Joint Replacements, Heart Ailments, Cancer
    24) INTRA VITREAL INJECTIONS
    Treatment of EYE related Ailments with
    Intra Vitreal Injections is possible NOW
    AND MANY MORE!!
    • Artificial Life maintenance, Including life
    support machine use.

    • Coverage for various genetic diseases


    like : sickle cell anaemia, down syndrome,
    thalassemia, klinefelter syndrome.
    Reduction in Non-
    Consumable Item List
    List 1 : Only 68 List of Expenses Generally Excluded (“Non-medical”)

    List 2 : List of 32 Items that are to be subsumed into Room Charges

    List 3 : 23 Items that are to be subsumed into Procedure Charges

    List 4 : List of 32 Items that are to be subsumed into costs of treatment

    List 5 : List of 25 Items that are not Payable


    First 2 Years Waiting Period

    Piles Hernia Cataract

    Tonsils Gall Stone Renal Stone


    First 2 Years Waiting Period

    Urine Stone Nasal Polyps Sinus

    Degenrative Disc Varicose Veins Varicose Ulcers


    First 2 Years Waiting Period

    Fissure & Fistula


    Vertebral Diseases Prolaspse of Intervertebral Disc

    Deviated Nasal Septum Haemorrhoids Chronic Supparative Otitis Media


    First 2 Years Waiting Period

    Uterus Related
    Cogenital Internal Pancreatic Stones Disorders
    Disease

    Arthroscopic Benign Prostate


    Repair/Removal Hydrocele Hypertrophy
    Pre-Existing Covered After 4 Years of Continuous
    Diseases Renewal With Company
    First 30 Days Any thing apart from Accident
    Waiting Period covered after 30 Days
    Permanent exclusions
    • Dental Treatment (Apart from accident & If mentioned in
    Policy)
    • Pure Diagnostic tests
    • Run Down / General Weakness, etc..
    • Bodily Injury / illness Under Influence of Alcohol / Durgs
    & Against Law
    • Cosmetic Treatments Including Refractive Error or Lasik
    Operation
    • Treatment For Weight Loss

    Please read Policy wordings for detailed list of Exclusions


    When will my Mediclaim Policy Cover Start
    Accident Related FROM DAY 1
    Surgical (Newly Diagnosed Critical AFTER 30 DAYS
    illness)
    Non-Surgical (Eg : Dengue, Jaundice, AFTER 30 DAYS
    Malaria, Typhoid etc..
    Other Surgery Such as Piles, Hernia AFTER 24 Months
    etc…
    All Pre-Existing Diseases ( Diseases
    which you or yr family member have AFTER 48 Months
    before buying mediclaim policy
    “RELATED TO” or “ CAUSING DUE TO
    Suicide, Cosmetic, Alcohol, Tabacco, Against NO CLAIM IS
    Law, Pure Diagnostic, Daily Medicine, Weight PAYABLE
    Loss, Lasik, Dental, General Weakness

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