Care Assure Health Insurance Plan

Care Assure health insurance is a critical plan that provides a lump-sum benefit against the diagnosis of any of the 20 critical illnesses covered along with accidental death benefits.

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Features & Benefits of Care Assure

Entry Age

18 years to 65 years

Basis

Individual / Family floater health insurance

Policy Period

One/ Two or Three Years

Renewability

Lifelong

Sum Assured

Starting from Rs. 3 lakh to Rs. 1.20 crore

NCB Super Add-on

  1. The add-on is mandatory in case the sum insured is Rs.3 lakh and Rs.4 lakh.
  2. The add-on is mandatory in case the sum insured is Rs.5 lakh and the applicant's age is 45 years and below.

Premium

Starting from Rs. 1,522 for 5 lakh sum assured for 18-25 year old male

Discount

10%discount on 3 year policy term and 7.5% Discount on 2 year policy terms.

Co-Payments

No co-payment since lump sum benefit is paid on diagnosis

Coverage

Critical illness cover is a benefit plan where you get a lump sum amount when diagnosed or operated for any of the below specified critical illness: Cancer, Heart Valve Replacement, Coronary Artery Bypass Graft, Bacterial Meningitis, Aplastic Anemia, End Stage Renal Failure, Multiple Sclerosis, Benign Brain Tumor, Major Organ Transplant Stroke, Paralysis, Myocardial Infarction, Major Burns, Coma, Blindness, Parkinson's Disease before the age of 50 years, Motor Neuron Disorder, End Stage Lung Disease, Alzheimer's Disease before the age of 50 years, End Stage Liver Disease. Accidental death cover Zero day survival period

Benefits

Benefit 1:

Benefit 2:

Exclusions

Any pre-existing illness. Any diagnosis of undergoing of surgery / diseases / occurrence of event, whose signs or symptoms first occur within 90 days of Policy Period Start date. Self-inflicted injury (resulting from suicide, attempted suicide) Cosmetic & aesthetic and obesity related treatment Tests and treatment relating to infertility and in vitro fertilization. Expenses arising out of or attributable to alcohol or drug use/misuse/abuse Treatment of HIV/AIDS Miscarriage, Abortion, Pregnancy and childbirth and its consequences Congenital disease War, riot, strike, nuclear weapons induced hospitalization.

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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