Get enhanced coverage for greater protection!
When ill-health strikes you or your loved ones, itâs only natural to want the best facilities and treatment that money can buy.
But do you worry about being able to afford the best? Do you feel unsure about your current health insurance cover being adequate? Are you concerned that although you have created a contingency fund for such eventualities, it may not be enough? Wouldnât you like to be reassured that irrespective of how much you can currently afford, you could stretch the limit still further?
Thatâs exactly the assurance that Care Health Insuranceâs Enhance offers you.
Features of NRI Top-up Health Insurance Plan
Care Health Insuranceâs Enhance gives you a Health Ki Guarantee with industry best features
- Cashless treatment at more than 7800+ hospitals.
- Health check-ups for adult insured members, every year, regardless of claim history.
- Avail treatment anywhere in the world with âEnhance Anywhereâ feature.
- Lifetime renewability.
- Online purchase in 2 minutes. No paperwork required.
- File your claim directly with us.
- Tax Benefit*Â on premium paid under section 80D of IT Act.
Other Key Benefits of Enhance:
There's still lot more we have for you!
- Floater cover
- Organ donor medical expenses covered
- Enjoy 7.5% discount on 2 year policy term and 10% discount on 3 year policy term
NRI Top-up Health Insurance Plan Details
As far as we are concerned, it is your money - All our plans come without any cap on vital expenses like doctor/surgeon fees, operation theatre & allied charges, to name a few, subject to Sum Insured. Regarding room rent, you are entitled to Single Private Room with AC (upgradable to next level room category in case of Enhance 2)
We believe that prevention is better than cure. So to pre-empts you ever having to visit a hospital, with this plan you can avail our comprehensive health check-ups for all adult members of your family covered by the policy, every year, irrespective of your claim history!
Just call our call center anytime, to schedule your appointment. It's that simple.
If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours, we pay for everything, from room charges to operation theatre charges and more. We also pay for expenses incurred if you undergo 'day care treatment' at a hospital that requires hospitalization for less than 24 hours. The treatment is available cashless at our 7800+ network hospitals and through reimbursement at other hospitals.
We cover the medical expenses incurred by you even 30 days before your hospitalization. There may also be follow-up visits to your medical practitioner, medication that is required, etc. Accordingly, we cover the related medical expenses incurred by you after your hospitalization also, for a period of 60 days.
Our caring knows no boundaries; literally. So, while we ensure you have access to the best healthcare services, we leave it to your discretion whether you would wish to avail certain specialized treatments in India or abroad.
Co-payment means the insured would have to pay a part of the claim amount. Generally, insurers levy a 20% co-payment clause. But ALL of our plans are 'No Co-payment' plans for your entire life as long as the insured is less than 61 years old at the time of the 1st purchase of the policy.
We understand that people do fall ill from time to time. Since we are here to service their health care requirement, that's precisely why we are here and that's why none of our plans have any 'claim-based loading' of premiums at the time of renewals.
Whatâs more! Product 'Enhance' comes with Lifelong Renewability ensuring continued cover age irrespective of your age.
After purchasing your policy, if you find it unsuitable, you can cancel it. Our policy comes with a free look period of 15 days.
NRI Top-up Health Insurance Plan Options
| Features/plan (Sum Insured) | Enhance 1 |
|---|---|
| Deductible(or existing Policy Sum Insured) | 2 Lac,3 Lac,4 Lac or 5 Lac |
| Sum Insured | 2 Lac to 25 Lac (As multiple of 1,2,3,4 or 5 time of deductible) |
| In patient Care | Up to Sum Insured |
| Pre Hospitalization | 30 Days |
| Post Hospitalization | 60 Days |
| Day Care Treatment | Yes |
| Room Rent Category | Single Private Room |
| ICU charges, Doctor's fee etc. | No Limit |
| Health check-up | Yes |
| Organ Donor Cover | Yes |
Super Top-up Health Insurance Claim for NRI
- Claim Intimation : In case of emergency, please intimate us within 24 hours of hospitalisation. If planned hospitalisation, intimate us 48 hours prior to your admission.
- Toll Free No. :Â Â 1800-102-6655 / 1800-102-4488
- E-Mail :Â customerfirst@careinsurance.comÂ
- Cashless Request for Pre-Authorisation :Â Complete the pre-authorisation form available at the hospital's insurance/TPA Desk and send us through email/fax. This form can also be downloaded from here.
- Approved letter sent by the claim management team
- Hospital/Insurance to respond to any query raised by the claim management team
- You may initiate the treatment and file for re-imbursement claim
- Re-imbursement Claim From Submission : Submission of claim from along with required documents, as per the policy terms & conditions The form can be downloaded from here
- Approved letter sent by the claim management team
- Insured to respond to query, if any, raised by the claim management team
- We will communicate the reason in case of rejection
To see list of network hospitals for cashless treatment or for further information please click here. You may also call us on 1800-102-6655 / 1800-102-4488 or write to us at customerfirst@careinsurance.com
NRI Care Health Insurance Policy Terms
| Minimum entry age | 1 day |
| Maximum age | No age bar |
| Renewal lifelong renewability. | The policy can be renewed under the then prevailing Health Insurance Product or its nearest substitute approved by IRDA. |
| Renewal premium | Premium payable on renewal and on subsequent continuation of cover arc subject to change with prior approval from IRDA. |
| Co-payment | If you enroll at the age of 61 years or more, you will have to pay 20% of the claim amount under the policy. We pay the rest. |
| Waiting period | 30 days for any illness except injury |
| Waiting period for pre-existing illnesses | Four years of continuous coverage |
| Change in sum insured | You can modify your sum insured under the policy only upon renewal |
| Grace period | 30 days from the date of expiry to renew the policy |
| Complete care | After 4 years of continuous coverage, you have an option to convert your deductible plan to Comprehensive Health Insurance Plan (without any deductible) |
Disclaimer
IndusInd Bank is a Corporate Agent of Religare Health Insurance Company Limited bearing License Number CA0001 and its Registered Office is at 2401, Gen. Thimmayya Road, Pune - 411001. The insurance products are offered and underwritten by Religare Health Insurance Company Limited. Servicing of the policy and adjudication of claims is sole responsibility of Religare Health Insurance and IndusInd Bank cannot be held liable for the same.
*Tax Benefits under the policy will be as per the prevailing Income Tax laws and are subject to amendments from time to time. For tax related queries, contact your independent tax advisor.