WHAT IS HEALTH INSURANCE?

Compare & Choose the Best Health Insurance Plans

Finding the right health insurance plan ensures you receive quality medical care without financial burden. With rising healthcare costs, a policy covering hospital expenses, consultations, and diagnostics is essential. At CarePal Secure, we offer tailored health insurance plans designed for individuals, families, and senior citizens, combining affordability with comprehensive coverage.

Ready to secure your health and future? Explore our plans!

Why Investing in Health Insurance Today Secures Your Future

Investing in health insurance now ensures financial security and access to quality healthcare when you need it most. With rising medical costs, an unexpected illness or accident can lead to significant expenses. A comprehensive health plan covers hospitalisation, treatments, and preventive care, reducing financial strain.

It also provides cashless treatment, discounts on medicines and diagnostics, and 24x7 claims support, ensuring hassle-free healthcare access. Securing coverage today protects yourself and your family from future uncertainties, ensuring peace of mind and financial stability in medical emergencies.

Benefits of Health Insurance: Why You Need Coverage Now

Medical emergencies can strike anytime, and health insurance ensures that you’re financially prepared when they do. With rising healthcare costs, a solid health insurance plan is no longer optional—essential. Here’s why you need coverage now.

1. Protection from High Medical Costs

Hospitalisation, surgeries, and treatments can be expensive. Health insurance covers major medical expenses, including:

• Inpatient hospitalisation for illness or injury
• Pre and post-hospitalisation expenses
• Surgeries and critical illness treatment
• Emergency ambulance services

Without insurance, these costs can strain you and your family financially.

2. No Waiting Period with Immediate Coverage

Many insurance policies have waiting periods before coverage starts. With CarePal Secure, you get instant access to health benefits, ensuring you're covered from the day you sign up.

3. Access to Cashless Treatment

A cashless hospitalisation facility allows you to get treatment at network hospitals without paying upfront. Your insurance provider settles the bills directly, reducing financial stress in emergencies.

4. 24x7 Claims Support for Hassle-Free Assistance

Handling claims can be stressful, but with a 24x7 claims helpdesk, you receive round-the-clock support for all queries, ensuring quick and easy claim processing.

5. Affordable Premiums with Comprehensive Coverage

Health insurance doesn’t have to be expensive. CarePal Secure offers affordable plans without compromising on coverage. Whether you need a basic medi-claim policy or a plan for senior citizens, there’s an option for everyone.

6. Coverage for Pre-Existing Conditions

Many plans offer coverage for pre-existing illnesses after a waiting period. This ensures you get financial support for chronic conditions like diabetes, hypertension, and thyroid disorders when needed.

7. Discounts on Medicines & Diagnostics

Some plans include medicine and diagnostic discounts, helping you save money on regular healthcare expenses. CarePal Secure offers:

• Up to 15% discount on medicines
• Up to 70% discount on diagnostic tests
• OPD and teleconsultation benefits

8. Extensive Network of Trusted Hospitals

CarePal Secure’s vast hospital network allows you to access quality healthcare without worrying about medical expenses.

9. Peace of Mind & Financial Security

Medical emergencies can be unpredictable, but with health insurance, you can focus on recovery instead of stressing about bills. Having coverage means:

• No last-minute borrowing or financial strain
• Access to top-tier medical facilities
• Protection for your family's future

Health Insurance Coverage: What’s Included & Excluded

Most health insurance plans offer the following benefits:

• Covers medical expenses for hospital stays due to illness, injury, or surgery.
• Includes medical tests, doctor consultations, and medications related to hospitalisation.
• Direct settlement of bills with the hospital through the insurer’s network.
• Covers organ donor expenses if required by an insured individual.
• Covers alternative treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy.
• Covers hospital room charges, depending on policy limits.
• Immediate coverage for medical expenses due to accidents.
• Covers ambulance costs for emergency hospital transportation.
• Some plans offer discounts on diagnostics, teleconsultations, and OPD services.
• Discounts on prescribed medicines through partnered pharmacies.

What’s Excluded from Health Insurance Coverage?

While each plan has its clauses, certain medical expenses are not covered under most health insurance plans, such as:

• Elective treatments like plastic surgery (unless medically necessary) and cosmetic enhancements are not covered.
• Conditions like diabetes, hypertension, or thyroid disorders may have a waiting period before coverage applies.
• Pregnancy-related expenses, fertility treatments, and childbirth costs are typically excluded unless specifically included in the plan.
• Experimental medical procedures or unapproved treatments are not covered.
• Injuries due to suicide attempts, alcohol, or drug abuse are excluded.
• Health supplements, tonics, and wellness-related medicines not for a diagnosed medical condition are not covered.
• Routine dental and eye check-ups, including spectacles or contact lenses, are generally excluded unless the plan specifies coverage.
• Many plans exclude treatments related to sexually transmitted diseases (STDs) and HIV/AIDS unless specified.
• Any medical expenses arising from war, riots, or terrorist acts are excluded.
• Some health insurance plans do not cover outpatient consultations unless an OPD rider is added.

How to Make a Health Insurance Claim: A Step-by-Step Guide

Here’s a step-by-step guide on how to claim health insurance for both cashless and reimbursement claims.

Cashless Health Insurance Claim Process

1. Choose a Network Hospital

• Visit a hospital listed in our health insurance coverage network.
• You can find the list in your health insurance policy documents or our website.

2. Inform Your Insurance Provider

• For planned treatments, inform us at least 48-72 hours before admission.
• For emergency hospitalisation, notify us within 24 hours of admission.

3. Submit the Pre-Authorisation Form

• Fill out a pre-authorisation form at the hospital’s insurance helpdesk.
• The hospital sends it to us for approval.

4. Approval & Treatment

• If approved, we take care of the medical expenses.
• If rejected, you can opt for a reimbursement claim.

5. Claim Settlement

• After discharge, the hospital sends the final bill to the insurer.
• We settle the amount, and you only pay any non-covered expenses.

Reimbursement Health Insurance Claim Process

If you receive treatment at a non-network hospital, follow these steps for reimbursement:

1. Inform the Insurer: Notify the CarePal team about hospitalisation within the specified time frame.

2. Pay Medical Bills: Pay the hospital bills upfront and collect all receipts.

3. Submit Required Documents: Fill out the health insurance claim form and submit it along with the following:

• Discharge summary
• Medical bills & prescriptions
• Hospital invoices
• Doctor’s consultation papers
• Diagnostic test reports
• Health insurance policy details

4. Claim Processing: We verify the documents and process the claim.

5. Reimbursement Approval: Upon approval, the health insurance claim settlement ratio determines how quickly we reimburse the amount.

Save Tax with Health Insurance – Know Your Benefits Under 80D

Section 80D allows individuals and Hindu Undivided Families (HUFs) to claim tax deductions on premiums paid for health insurance coverage. You can claim up to ₹1 lakh in a financial year based on the age of the insured members.

Tax Deduction Limits Under Section 80D

If you pay for the health insurance coverage of senior citizen parents, you can claim a deduction of up to ₹50,000. Additionally, if your parents are above 80 years old insurance, you can still claim ₹50,000 for their medical expenses.

Key Benefits of Health Insurance Tax Deductions Under 80D

Some benefits of health insurance under Section 80D are:

1. Deductions on Health Insurance Premiums

The health insurance premium paid for yourself, your spouse, dependent children, and parents is eligible for tax benefits. If you buy health insurance online, ensure the payment is made digitally, as cash payments are not eligible (except for preventive check-ups).

2. Preventive Health Check-up Benefits

The health insurance premium paid for yourself, your spouse, dependent children, and parents is eligible for tax benefits. If you buy health insurance online, ensure the payment is made digitally, as cash payments are not eligible (except for preventive check-ups).

3. Higher Benefits for Senior Citizens

Senior citizens (60 years and above) enjoy a higher tax deduction of ₹50,000, encouraging them to invest in medical insurance coverage for better financial security.

4. Coverage for Family Members

You can claim deductions for a health insurance policy covering your parents, spouse, and dependent children. This makes buying medical insurance online a smart financial move.

5. Additional Savings Beyond Section 80C

Tax deductions under Section 80D are separate from Section 80C, allowing you to maximise your tax savings.

Exclusions Under Section 80D

You cannot claim deductions under Section 80D if:

• The health insurance premium is paid in cash (except for preventive check-ups).
• The policy is for working children, siblings, grandparents, or relatives.
• An employer pays the premium under a group health insurance plan.

Compare Health Insurance Plans & Pick the Right One for You

When you compare health insurance plans, you can:

• Find the Best Medical Coverage: Different plans offer varying levels of health insurance coverage, including hospitalisation, OPD, and critical illness benefits.
• Get the Best Claim Settlement Ratio: A high health insurance claim settlement ratio ensures a smoother health insurance claim process.
• Save on Premium Costs: Comparing plans helps you choose one that fits your budget without compromising benefits.
• Maximise Tax Benefits: Under health insurance tax benefit 80D, you can claim deductions on your health insurance premium and reduce taxable income.

Buy Health Insurance Online with CarePal Secure

With CarePal Secure, you get the best health insurance coverage at affordable premiums. Whether you need individual or family coverage, our plans offer:

• High health insurance claim ratio for hassle-free claims
• Wide network of hospitals for cashless medical coverage
• Instant policy issuance when you buy health insurance online

Compare health insurance policies today and secure the best protection for yourself and your family.

Key Factors That Determine Your Eligibility to Buy Health Insurance

Before purchasing health insurance, insurers consider several factors to determine your eligibility. Here are the key aspects:

• Age: Most insurers set a minimum and maximum age limit for policyholders. Some policies have lifetime renewability, while others may have restrictions for senior citizens.
• Pre-existing Conditions: If you have pre-existing medical conditions (illnesses that existed before buying the policy), the insurer may impose a waiting period before covering them.
• Medical History: A history of critical illnesses in your family or past medical treatments can affect your eligibility and premium amount.
• Occupation: Insurers may impose restrictions or charge higher premiums if your job involves high-risk activities, such as construction work or hazardous environments.
• Lifestyle Habits: Smoking, excessive alcohol consumption, or other lifestyle risks can impact your policy terms.

Documents Required for Health Insurance Claim Reimbursement

The health insurance claim process requires submitting specific documents to the insurer. These vary based on whether it’s a cashless claim or a reimbursement claim. Here’s how:

For Reimbursement Claims

You need to submit:

• Duly filled claim form (provided by the insurer).
• Identity proof (Aadhaar, PAN, passport, voter ID, or driving license).
• Doctor’s prescription recommending hospitalisation.
• Original hospital bills and receipts.
• Discharge summary from the hospital.
• Pharmacy bills and lab test reports.
• Ambulance receipt, if applicable.
• First Information Report (FIR) in case of accidents.

For Cashless Claims

In a cashless claim, the hospital submits the required documents directly to the insurer. You must provide:

• Pre-authorisation form from the hospital.
• Health card or policy copy.
• Valid ID proof.

Hospitals within the insurer’s network offer medical coverage without requiring upfront payment. To maximise benefits, compare health insurance policies to check their network hospitals and claim process.

Understanding Health Insurance Terms: A Beginner’s Guide

If you're new to health insurance, here are some key terms explained in simple language:

• Premium: The amount you pay to keep the policy active.
• Sum Insured: The maximum amount the insurer will pay for medical expenses.
• Deductible: You must pay out of pocket before the insurer covers costs.
• Waiting Period: The time before certain illnesses are covered.
• Medical Insurance Coverage: The expenses covered under your policy, including hospitalisation, OPD (Outpatient Department), and critical illness benefits.
• Health Insurance Claim Ratio: The percentage of claims settled by the insurer compared to the total claims received. Checking the highest claim settlement ratio in health insurance helps you choose a reliable insurer.

How to Buy Health Insurance Online Quickly & Easily

If you’re wondering how to buy health insurance in India, the process is simple, especially when using platforms like CarePal Secure.

Steps to Buy Medical Insurance Online

• Compare Health Insurance Plans: Choose based on coverage, premium, and waiting periods.
• Calculate Your Premium: Use an online premium calculator to estimate costs.
• Enter Your Details: Name, contact number, and basic medical history.
• Make a Secure Payment: Select a preferred payment method.
• Receive Your Policy Instantly: Your policy document is sent to your email.

CarePal Secure offers:

• Best Health Insurance Coverage with no waiting period for many treatments.
• 24/7 Claim Assistance to simplify the health insurance claim process.
• Affordable Plans with discounts on medicines and diagnostics.

To get started, buy a medical insurance policy online and secure your health instantly.

Why Compare Health Insurance Policies Before Buying?

To find the best health insurance coverage, you need to compare health insurance policies based on several factors:

• Coverage Benefits: Different policies include various health insurance covers, such as maternity benefits, OPD expenses, and critical illness coverage.
• Waiting Periods: Some policies have shorter waiting periods for pre-existing conditions. Choosing a plan with minimal waiting time ensures quicker access to health care coverage.
• Claim Settlement Ratio: The health insurance claim settlement ratio indicates how efficiently an insurer processes claims. The best claim settlement ratio in health insurance ensures a smooth claims experience.
• Premium Costs: When you compare health insurance plans, look for policies that balance affordability and medical insurance coverage.
• Tax Benefits: Under health insurance tax benefit 80D, you can claim deductions on the reducing your taxable income.
• Network Hospitals: Good health insurance coverage should include a wide network of hospitals offering cashless medical coverage.
• Portability Options: If you're unsatisfied with your current insurer, health insurance portability allows you to switch while retaining benefits like waiting period waivers.

Types of Health Insurance Plans - CarePal Secure

Types of Health Insurance
Plans - CarePal Secure

At CarePal Secure, we offer a variety of health insurance plans tailored to meet the diverse needs of individuals and families. Our plans provide essential coverage, ensuring you receive the medical attention you deserve without financial stress. Here’s a closer look at our offerings:

Features of Health Insurance Plans - CarePal Secure

Features of Health
Insurance Plans - CarePal
Secure

At CarePal Secure, we offer a range of comprehensive health insurance plans designed to meet the diverse needs of our customers. Each plan is crafted with affordability and extensive coverage, ensuring you receive the best health insurance policy for your requirements. Here’s a detailed overview of our plans:

CarePal Secure Senior Citizen Health Insurance Plans at a Glance

If you're looking for dependable health insurance for senior citizens, CarePal Secure's Senior plan is designed specifically for individuals aged 51 to 65. This plan offers extensive medical benefits, tailored to meet the growing healthcare needs of elderly individuals, making it one of the best health insurance options for senior citizens in India.

Here's a quick comparison of our health insurance plans, with a spotlight on the Senior Citizen Plan:

Plan Benefits	Mini ₹1,899	Max ₹8,000	Senior ₹10,000
Sum Insured	₹10 Lakhs (1 person)	₹25 Lakhs (4 people)	₹25 Lakhs (4 people)
Inpatient Hospitalisation
Donor Expense Coverage
AYUSH Treatment
Pre and Post Hospitalisation
Room Rent Coverage
Accidental Coverage from Day 1
Waiting Period	2-3 Years	2-3 Years	2-3 Years
Cashless Network Hospitals
Ambulance Coverage	Road Ambulance	Road Ambulance	Road Ambulance
Teleconsultation	18+ Specialties	18+ Specialties + Specialist Doctors	18+ Specialties + Specialist Doctors
Medicine Discount	Up to 15%	Up to 15% + ₹2000 Voucher	Up to 15% + ₹2000 Voucher
Diagnostics Discount	Up to 70%	Up to 70% + ₹2400 Voucher	Up to 70% + ₹2400 Voucher
OPD Vouchers	-	₹3000	₹3000
Eligibility	General Eligibility	General Eligibility	51 to 65 Years
Insurance Partners	Manipal Cigna	Star Health	Care Insurance

Highest Claim Settlement Ratio in Health Insurance – What It Means for You

When choosing a health insurance policy, one of the most important factors is the claim settlement ratio. This ratio indicates how efficiently an insurer processes and settles claims. A higher ratio means a greater likelihood of your claims being approved, ensuring you get financial support when needed.

Secure Your Family’s Future with the Right Medical Insurance Coverage

For hassle-free claims and medical coverage, choose CarePal Secure. With one of the highest claim settlement ratios in health insurance, it ensures quick claim approvals, extensive health care coverage, and a seamless claim process.

Buy health insurance online with CarePal Secure and get peace of mind knowing your family's medical needs are covered.