Care Group Health Insurance
Care, one of India's leading health insurance providers, offers a diverse range of health insurance products.
Because of its robust distribution channels, the insurer has a distinct business presence in the health insurance market, ranging from healthcare delivery to preventive health solutions.
Care Group Health Insurance provides financial security to employees in the group, protecting them against financial burdens arising out of medical emergencies.
Employees are the life force of any organization, and providing them with outstanding health care facilities, especially in these times, is one of the primary responsibilities of the organization.
When the need arises, Care can be an excellent partner. This group’s medical insurance provides comprehensive coverage, with a customization facility, as per the requirements.
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Key statistics of Care group health insurance*
GHI Premiums
GHI lives insured
Health lives insured
Health claims Processed
Health claims settlement ratio***
Health claims Settled within 3 months
What is group health insurance?
A group health insurance policy is advantageous to both employees and employers. Employers benefit from employee loyalty while reducing their financial burden and covering treatment costs.
Highlights of Group Care Insurance
8350+ Cashless claim providers
24/7 claims Support
95.2% Insurance Claim Settlement Ratio
A highly trusted brand of the insurance sector in India
Why choose Care group health insuance?
When choosing a group medical insurance, an organization aims to provide financial protection to its employees. It also shows that the company cares about them.
In Care group medical insurance, the standard health insurance cover is there, and additionally, an employee gets an option to tailor the policy suiting the specific needs, which in turn provides a greater sense of satisfaction. The various advantages of the policy are listed above for better understanding.
Flexibility to choose a plan as per the requirement
A dedicated relationship manager to address queries and needs of the insured
Cover for the pre-existing disease from Day 1 of the health insurance
The Care group has cashless hospitalization facilities at over 10000 hospitals
No pre-policy medical checkup is required to initiate the health insurance policy
Newborn cover starts from Day 1 of the insurance
Data deep-dive: Employees prefer group insurance plans
Standard benefits offered by Care group health insurance
Here is a comprehensive summary of the Care Group Health Insurance Plan. The features mentioned below can be customised as per your organization’s requirements.
Feature
Type of Cover
Daycare Treatment
540+ daycare treatment procedures are covered under this policy, the medical expenses incurred on the procedures at a network hospital or medical centre can be claimed with a written certificate of the medical practitioner.
Inpatient Treatment
In case of hospitalization, the insured can raise a claim to the sum insured.
Room Rent
Charges up to 1% of the sum insured can be claimed towards the room rent incurred, if the room charges incurred are higher than 1%, then the insured will have to bear the extra charges.
ICU Charges
Charges up to 2% of the sum insured can be claimed for the ICU charges incurred, if the ICU charges incurred are higher than 2% of the sum insured, then the insured will have to bear the extra charges.
Exclusions
Feature
Nature of Exclusion
Waiting Period
Medical expenses incurred during the first 30 days of policy initiation will not be covered under the Care group health insurance. Any injury suffered during this time will be covered.
Specified Waiting Period
For the initial 2 years, no claims will be admissible for the specified illness or the procedures.
Please note that Plum has collated and presented this data for informational purposes only and at a particular point in time. Plum does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer. The final terms, conditions, and premiums may vary depending upon factors including group size, age, location, and applicable taxes.
The Care advantage
Care Insurance provides comprehensive coverage, which can be adjusted to suit the needs of employees. Some of the advantages of Care health insurance are:
Feature
Type of Cover
Cashless claims
Care policy comes with cashless claims at the network medical centres. The process to claim the same is quite simple, this can be done with a policy number and valid identity proof. The Care claim process is a direct claim-filing system, which makes it more efficient.
Sum Insured
Sum Insured differs from one insured person to another as per their needs and levels at the organization. No matter how much the sum insured is, all inpatient treatment expenses are covered up to the sum Insured.
Annual Health Check-ups
Care group medical Insurance comes with free-of-cost annual health check-up features. It is a good feature for group medical insurance, as it can be an effective team-building event for companies.
Flexibility
When opting for Care policy, there is flexibility at all levels to choose the sum insured and a system to tailor the cover as per the specific requirements of the individual employee. This removes the system of the single-cover-fits-all system and makes employees appreciate it more.
Ambulance Cost
The group health insurance policy is available in two variants, both of which include ambulance charge coverage of Rs 1000 and Rs 2500, depending on the policy selected.
Pre and Post Hospitalization
Pre- and post-hospitalization cover follow the 30:60 system under the Care policy. The 30:60 system entails pre-hospitalization cover of the insurance of 30 days and post-hospitalization cover of 60 days.
Therapy Coverage
The policy provides coverage for chemotherapy and radiotherapy.
Prenatal and Postnatal
The insured can avail of this benefit for 30 days and an expense of Rs 2500 or Rs 5000, as per the insurance plan, which is settled within the maternity benefits.
Alternative Treatments
Care also provides coverage for alternative treatment modes, such as Ayurveda, Unani, Homeopathy, and Siddha. As the psychology of each individual differs, so can the faith of people in terms of choice of treatments. A policy that provides coverage on alternative treatment adds to the satisfaction that employees get.
OPD Treatments
Care group health insurance also provides coverage for outpatient treatment and 540+ day treatment procedures.
Maternity Cover
This policy comes with in-built maternity coverage. A maximum of two children’s maternity covers can be claimed through the policy.
Here's how Care Group Insurance is better with Plum
Complete digital experience
From cashless claims to digital health IDs, and much more, go digital with Plum.
Track claims status
With a single click have a detailed look at how the policy is working for your employees.
Edit on the go
Add or remove employees and medical benefits as you scale.
Get doctors on call
Book online appointments with your preferred doctor with Plum Telehealth.
Employee Wellness
Plum provides your employees with various wellness programs from time to time.
WhatsApp's facilities
Start a claim, download your eHealth card, check policy details, and much more on WhatsApp.
Single Dashboard
Be it employer or employee, desktop or mobile, check your insurance plan & health benefits dashboard anywhere.
Track your claims
Know how your team is utilizing their employee benefits and medical coverage.
How to use Care group medical Insurance
The documentation depends on the type of claims process you have chosen - Cashless or Reimbursement.
The policy comes with a reimbursement feature when treatment opts at a centre, which is not on the network
If there is a planned hospitalization, an insurer should get advance information at least 2 days before the said hospitalization. If the same happens in case of any emergency, it should be conveyed to the insured within 24 hours of hospitalization.
The policy will enable a cashless cover at the various network hospitals. The same can be claimed by providing policy details and valid identity proof.
Conclusion
With the rising costs of healthcare services and lifestyle diseases, health insurance has become a necessity. When it comes to group medical insurance, financial protection needs to be ensured by an organization for its real assets.
A properly designed policy helps an employee to achieve a sense of belongingness. With Care Group Health Insurance, an employee gets a comprehensive health insurance cover and the flexibility to design the policy as per the specific requirements of the insured.
FAQs
Can I add or remove members after the initial setup?
Super top-up is additional coverage of 20 lakhs added to your existing policy. You can avail the additional cover for yourself, and/or for your entire family (self+spouse+2 kids), and/or your parents.
This policy, however, comes with waiting periods on certain critical illnesses and applicable deductibles.
How are premiums calculated for additions?
Yes, you can add new employees, add new dependents (at the time of marriage or childbirth), and remove employees who exit the company. Additions and deletions can be done using the Plum dashboard.
Do I get refunded for deletions?
Deductible refers to the amount paid by the policyholder (via out-of-pocket or other medical insurance policy) before the super top-up kicks in. Read all about how a deductible works here.
How do I pay for additions and deletions?
No, the policy doesn’t cover same-sex or unmarried couples.
Can an employee convert the group plan to an individual plan if they leave the company?
No, the policy doesn’t cover same-sex or unmarried couples.