01/08/2025
✅ Sum Insured Options Available from ₹5 L to ₹1 Cr, with individual, family floater (up to 4 members), or multi-individual (up to 6 members) options.
✅ Instant Cover: Reduces waiting for hypertension, diabetes, asthma, hyperlipidemia from 3 yrs → 30 days.
✅ PED Wait‑Period Reduction: Cut pre-existing disease waiting from 36 months to 1 or 2 years.
✅ No Room-Rent or ICU Sub-limits
Covers all room categories and ICU costs without capping—unrestricted access to private rindian
✅ Cumulative Bonus: +50% each claim-free year (up to +100%) retained even after claims.
✅ Cumulative Bonus Super: Option to enhance bonus by +100% per year, stacking to +500% over 5 years.
✅ Unlimited Automatic Recharge of sum insured upon exhaustion—usable multiple times.
✅ Wellness Discount: Up to 30% renewal premium discount by meeting fitness targets.
✅ No Co-Pay: 100% paid by the insurer company.
✅ In-patient Hospitalization (24+ hours) – includes room, ICU, diagnostics, doctor fees.
✅ Day-care Procedures – cataract, chemotherapy, dialysis, etc.
✅ Pre-hospitalization (60 days) & Post-hospitalization (180 days) expenses.
✅ AYUSH & Domiciliary Care covered without caps.
✅ Organ-donor Cover for donor surgery and related treatment.
✅ Non-medical Consumables (gloves, bandages, etc.) included via add-ons.
🛡 Essential Add‑Ons
▶️ Annual Health Check‑up, Air Ambulance, OPD Cover, Claim Shield for consumables.
▶️ Mental Well‑Being, Be-Fit Gym Access, Air Ambulance features available as optional riders.
⚠️ Waiting Periods & Exclusions
▶️ 30-day initial wait (non-accident)
▶️ 24-month for specific diseases, and 36-month for pre-existing conditions (can be reduced via add-on)
▶️ Standard exclusions apply: maternity, cosmetic, obesity, dental, certain treatments, substance abuse, etc.
🌟 Why Care Stands Out
▶️ No caps on room rent/ICU treatments.
▶️ Generous recharge and bonus mechanisms for extended coverage.
▶️ Strong customization via add-ons tailored to lifestyle and medical needs.
▶️ Wellness focus with fitness incentives and e-consults.
▶️ Flexible family coverage with multi-member options.
Care Insurance
