Care Health Insurance (Formerly Known as Religare Health Insurance)
Health insurance is an insurance policy that covers you against the expenditures of a medical or surgical procedure, the cost of medicines, doctor’s appointments, ambulance expenses, etc. The expenses covered by a health insurance plan can be a result of an accident or an illness. Health insurance offers features like cashless hospitalisation, cover against critical illnesses like cancer, kidney and heart issues, and more.
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Need for Care Health Insurance
Care Health Insurance is an essential product in today’s times. The cost of healthcare has drastically risen in the last decade. Life-threatening diseases such as cancer and kidney failure are getting more and more common by the day. There was a time when poor health was only associated with older people. But with a rise in pollution and dependence on packaged food and drinks, immunity levels are dropping across age groups. Irrespective of your age, a health condition can strike at any time pre-and. Even a couple of days of hospitalisation can cause a significant blow to your savings. Therefore, having a health insurance policy in India is more important than ever. It safeguards you from the expenditure of an ailment and offers you the peace of mind to carry on with your life without worrying about health care costs.
Types of Care Health Insurance Plans Available
There are several types of health insurance plans available in the market. These have been designed to suit every individual’s present and future needs. Here is a broad categorisation:
Personal health insurance plan
Such plans offer cover to a single person. You can take this policy to cover yourself. The premium would depend on your age and lifestyle habits. This type of health insurance plan only one individual i.e. the policyholder.
Family health insurance plan
If you wish to secure your entire family, including your parents, spouse, and children, you can consider a family policy. Health insurance for family offers coverage to all the members insured under the policy.
Critical illness health insurance plan
These plans offer insurance against specific critical and life-threatening diseases such as cancer, stroke, etc. The cost of treatment of these diseases is very high, these plans can be effective to cover such ongoing costs.
Senior citizen health insurance plan
As the name suggests, these plans are crafted for the use of senior citizens over the age of 60. They cover medical issues that come with increasing age.
Maternity health insurance plan
Maternity health insurance plans can be used to cover new or expecting mothers. They cover pre- and post-natal care, ambulance and hospitalization costs, delivery expenses, doctor’s appointments, ultrasounds, and more.
Accident health insurance plan
An accident plan offers financial protection against the expenses borne due to an accident. Such plans also include ambulance expenses, surgical expenses, cost of medicines, etc.
Frequently Asked Questions
It is important to understand the features of a policy before purchasing it. A good medical plan can be one that offers wholesome coverage, cashless hospitalisation, and quick claim settlement, and covers pre and post hospitalisation expenses.
Buying health insurance is no longer a choice but a necessity in the current times. It covers us against the financial implications of medical problems. With health insurance, you do not have to dip into your savings anytime you go to a hospital.
Religare health insurance offers cashless hospitalisation across more than 7800 hospitals all over the world. The company’s claim settlement procedure takes only 2 hours, and the ratio of settlements stands at 93%. You can also choose from five types of plans based on your need. In addition to this, Religare offers a no claim bonus of 150%.
The price of the premium can differ for each individual based on their age, lifestyle preferences, existing health conditions, etc. The younger you are, the more affordable the premium can be. The premium can be higher for older people and people who smoke, consume tobacco, or drink alcohol.
When picking out a plan, you can look out for how flexible the plan it. Plans that allow you to add members can be helpful in the long run. Features like cashless hospitalisation, no claim bonus, pre- and post-treatment costs, room rent, ambulance expenses, etc. are also essential.
All you need to buy online health insurance plans are your age, address, and identity proof.
You can get a quote on the Religare’s website to estimate the cost of a policy.