Care Health Insurance

Care Cancer health insurance

What this plan really does is to offer financial support to the insured at this important phase in their life and ensure they do not have to dip into their life savings for treating cancer.

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A Times of India article recently illustrated that around 10 Lac new cases of cancer are currently reported every year in India and this is expected to rise to around 15 lacs per year by 2030. While the medical world is still searching for a dependable drug/treatment for cancer, this lifestyle disease is growing at an alarming rate and the least that persons can do is to try and prevent it by leading a more healthier balanced lifestyle. But what if it strikes even when one never reared a bad habit, not even once. Nor did a family member ever suffer from Cancer? When Life Takes An Unexpected Turn, Plan for the Unexpected. And this is where Super Mediclaim’s Cancer Cover plan from Care can be useful since it provides a host of benefits for patients to fight Covered Cancer at all stages.

Care Health Insurance Review

Care Health Insurance
Sum Insured
4 lacs - 600 lacs
Claims Incurred Ratio *
59.00%
Tenure Options
1, 2, 3 years
Claims Settlement Ratio **
86.63%
List of Network Hospitals
19,000+ hospitals
Number of Policies issued *
1,178,380
Maximum Family Floater Coverage
Self, Spouse + dependent children + dependent parents
Number of Lives Covered *
7,342,207
* As per IRDAI report for 2020-21   |  ** As per NL25 data published on the Insurance Company website

Care Cancer insurance plan- review

  • Key Features
  • Eligibility
  • Coverages

Key features of Cancer Insurance Policy

Some of the key features of this plan include:
  • Five Sum insured options from ₹10 lacs to ₹2 crores
  • 30/60 Pre and post hospitalization medical expenses covered
  • No specific ailment waiting period
  • Chemotherapy & Radiotherapy Cover included in this plan
  • No Claims Bonus (NCB) offered for claim free renewals
  • Lifelong Renewability – no exist age for renewing the policy even if claims have been filed
  • Option of Equated Monthly/Quarterly Instalments
  • Room Rent Modification option available to the insured
  • International Second Opinion available while availing treatment for cancer
  • Outpatient Treatment Expenses covered under this plan for Diagnostics, Pharmacy & Consultations
  • Air Ambulance Cover during medical emergencies
  • Indemnity based Plan
  • Quick Recovery Counselling
  • Health Portal – insured members have access to an informative health portal providing relevant information at all times.

Care Cancer insurance plan – eligibility

Plan Name (all figs in ₹ INR) Cancer Mediclaim
Sum Insured 10 Lakh | 25 Lakh | 50 Lakh | 1 Crore | 2 Crore
Covered Conditions (Illnesses/Diseases/Surgeries) Cancer
Entry Age 5 years to 50 Years on Individual Basis
Pre - policy Issuance Medical Check up No Medicals##
Tenure 1/2/3 Years
Premium Payment Mode *** Single/Monthly
Sub Limits:
Room Rent Eligibility Single Private Room / No limit ^
ICU Charges No limit
Wait Period:
Initial Waiting Period 90 Days
PED Waiting Period 48 months
*** Terms and Conditions Applicable
##at the discretion of the Underwriter.
^with optional benefit Room Rent Modification. Note: Other SI / Age band options also available.

Coverages under Care Cancer plan

Sum Insured (all figs in ₹ INR) 10 Lakh | 25 Lakh | 50 Lakh | 1 Crore | 2 Crore
Benefits
Hospitalization Expenses  
In-Patient Care Up to SI
Day Care Treatment Up to SI
Pre-Hospitalization and Post-Hospitalization 30 days/60 days
Chemotherapy and Radiotherapy Cover Up to SI
Ambulance Cover Up to Rs 3000 per hospitalization
Organ Donor Cover Up to SI or 15 L whichever is lower
Second Opinion Once per Covered Condition per policy year
No Claim Bonus* 50% / 25% / 25% - Corresponding increase in SI for 1st, 2nd and 3rd continuous claim-free Policy Years respectively,Max up to 100% of SI(50%/25/25%-Corresponding decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCB)
International Second Opinion# Once per Covered Condition per policy year
Room Rent Eligibility Single Private Room / No limit^
Air Ambulance# Up to Rs. 5 Lakhs
Annual Health Check-up Annual from 2nd Policy Year on Continuous Coverage
Health Services
Quick Recovery Counselling Up to Rs 1000 Per Session, Maximum 8 Sessions Post Hospitalization in a Policy year( can be availed twice in a month)
Doctor on Call Yes(Telephonic/Online Mode)
Health Portal Value added services through Company’s Website
Global Coverage: Coverage outside India - 45 continuous days in a single trip; Max. 90 days on a cumulative basis, in a Policy Year. Up to SI; only for SI >=1Cr (Limited to In-Patient Care and Day-Care treatment with a Co-payment of 10% per Claim)
OPD Expenses (Diagnostics + Consultations + Pharmacy ) Up to 1% of SI ,Max up to Rs 25,000
#Optional Benefit.
^with optional benefit Room Rent Modification.

Care health insurance FAQ's

Some of the key reasons for investing in a Care Health insurance policy are:
  • Increase in the incidence of lifestyle-related illnesses - Sedentary lifestyle, unhealthy eating habits, increasing pollution and high stress levels are the growing norm day by day giving rise to chronic diseases like cancer, lung conditions and stroke, claiming younger lives.
  • Increase in Treatment expenses - With the healthcare industry in India witnessing double-digit inflation, it is getting extremely expensive to treat ailments in India both for regular medical as well as specialised medical conditions.
  • Group health cover may not be sufficient - Group employer plans, rarely have sufficient coverage to meet medical expenses incurred in many cases. In the event of switching jobs or remain unemployed, an individual an remain exposed to financial risks from medical exigencies.
  • Health insurance coverage is more than just hospitalization - Many health insurance plans nowadays give coverage for day care procedures and OPD, cover for pre and post-hospitalisation, as well as doctor consultations, tests and medicines which are incurred during this period. There are also health plans that cover vector-borne diseases like dengue. Domiciliary treatments, Ayurveda, Unani, Siddha and Homeopathy (AYUSH) are also covered by the best health insurance plans in India.
  • Credit Shield - Not everyone retains a high bank balance or cash at home for facing unforeseen medical emergencies. Hence having Health insurance helps one protect themselves from having to pay for treatment arising out of a sickness/accident and allows the health insurance policy to take over especially since the Care plans also offer Cashless facilities.
The Co-payment under the Care plan is as follows:
  • During purchase of the first policy, if eldest member insured is
    • Below 61 years, no co-payment is applicable.
    • 61 years or above, 20% of the claim amount under the policy has to be borne by the insured
Health insurance is also an investment best made the individual is young and healthy. The key reasons why one should purchase a Care Health policy at a young age is :
  • Lower premium – Premiums are much lower when at a younger age.
  • Waiting Periods – Care health insurance plans come with waiting periods of 30 days to 48 months – better to serve the waiting period when younger
  • Rise of lifestyle diseases among the youth- Increasing sedentary lifestyles among the younger generation, many of them are getting predispositioned to lifestyle illnesses like obesity, respiratory and heart diseases.
  • Employer provided health cover may not be enough
  • Tax savings

Brochure

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Proposal form

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Policy wordings

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025