Care Health Insurance – Rakshak Plan Starting at Rs. 7,507*
Product highlights
Note: This policy is available only for existing Bajaj Finance Limited customers. By proceeding, you agree to the terms and conditions
Key features and benefits
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Sum insured of up to Rs. 30 lakh*, premium starting Rs. 7,507*
The plan provides coverage for hospitalisation expenses related to the listed critical illnesses. The premium starts at Rs. 7,507*, for a sum insured of up to Rs. 30 lakh*.
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Additional sum insured in case of critical illness
This plan gives you 3x coverage in case you are diagnosed with any of the listed critical illnesses.
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100% restoration of the sum insured
Get 100% restoration of base sum insured for unrelated illnesses, once in a policy year.
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Coverage for pre- and post-hospitalisation
Get covered for 60 and 90 days of pre- and post-hospitalisation respectively.
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Domestic road ambulance coverage
Get coverage for road ambulance of up to Rs. 2,000 per hospitalisation.
Eligibility criteria and documents required
You need to fulfil the following criteria to buy this Care Rakshak Plan. If you meet all the eligibility criteria, you will need a few other details to complete your application process.
Eligibility criteria
- Exclusively for Bajaj Finance customers
- Nationality: Indian
- Minimum entry age for adults: 18 years
- Maximum entry age for adults: 60 years
- Exit age for adults: Lifelong
- Minimum entry age for children: 91 days
- Maximum entry age for children: 24 years
- Exit age for children: 25 years
Documents required
No documents are required to buy the policy.
You only need to provide the following details at the time of buying the policy:
- Date of Birth as per the PAN
- Valid 10- digit mobile number
- Residential Pin Code
Step-by-step guide to buy this policy
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Step 1
Click here to open our online application form.
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Step 2
Fill out the application form with basic details for you or the person you want to insure. These details include name, gender, mobile number, date of birth, and residential PIN code.
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Step 3
Now click on ‘Get Quote’ to proceed.
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Step 4
From the list of policies shown, choose your preferred Health Insurance plan by clicking the ‘Buy Now’ button placed under each plan. You can further modify the insured amount, policy term, and plan type to get a list of policies tailored to your preference.
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Step 5
Based on the plan you choose, you may get the option to select the health policy term and premium amount.
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Step 6
Enter your email ID and check if all personal details shown are correct. Click ‘Next’ to proceed.
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Step 7
Enter some additional details, such as height, weight, nationality, marital status, address, and nominee details (if applicable).
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Step 8
Answer a few questions about your health and lifestyle by clicking the relevant checkboxes. Click on the ‘Next’ button to proceed.
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Step 9
Verify if the previously filled details are correct and click on the ‘Proceed’ button to visit the payment page.
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Step 10
Make the payment through net banking, UPI, debit, or credit card to buy the policy.
After successful payment, your policy document will be available for you to download instantly. You will receive the policy document at your registered email address within 5-7 business days.
You will also receive an SMS confirmation immediately after the payment process is completed.
Policy details
Given below are the policy details for the Care Health Insurance – Care Rakshak Plan
| Policy details | Description |
|---|---|
| Policy type | Individual and family floater |
| Premium including GST (Rs.) | Starting at 7,507* |
| Sum insured (in Rs.) – Hospitalisation benefits + Convalescence benefit +Health service | Up to Rs. 30 lakh* |
| Sum insured for hospitalisation expenses | There are three variants: | Rs. 5 lakh | Rs. 7 lakh | Rs. 10 lakh |
| Policy tenure | 1 year |
| Renewal | Lifetime renewability |
| No of the members covered | 6 members (2 adults + 4 children) |
Platinum plan (without co-pay) - Hospitalisation expenses + Convalescence benefit + Health service |
||||||||||
Sum insured |
Rs. 15 lakh |
|||||||||
Age band |
IA |
IA+IC |
IA+2C |
IA+3C |
IA+4C |
2A |
2A+IC |
2A+2C |
2A+3C |
2A+4C |
18-40 |
8,024 |
10,249 |
12,343 |
14,459 |
16,627 |
11,152 |
13,301 |
15,394 |
17,518 |
19,697 |
41-55 |
10,529 |
12,166 |
13,921 |
15,906 |
17,780 |
15,110 |
16,877 |
18,647 |
20,507 |
22,493 |
56-60 |
13,917 |
16,139 |
18,520 |
21,213 |
23,754 |
20,133 |
22,531 |
24,932 |
27,455 |
30150 |
Platinum plan (without co-pay) - Hospitalisation expenses + Convalescence benefit + Health service |
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Sum insured |
Rs. 21 lakh |
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Age band |
IA |
IA+IC |
IA+2C |
IA+3C |
IA+4C |
2A |
2A+IC |
2A+2C |
2A+3C |
2A+4C |
18-40 |
9,079 |
11,626 |
14,025 |
16,447 |
18,932 |
12,667 |
15,129 |
17,526 |
19,958 |
22,454 |
41-55 |
11,880 |
13,668 |
15,589 |
17,716 |
20,370 |
17,062 |
18,999 |
20,937 |
22,979 |
25,168 |
56-60 |
15,750 |
18,176 |
20,783 |
23,669 |
27,269 |
22,780 |
25,409 |
28,038 |
30,809 |
33,780 |
Platinum plan (without co-pay) - Hospitalisation expenses + Convalescence benefit + Health service |
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Sum insured |
Rs. 30 lakh |
|||||||||
Age band |
IA |
IA+IC |
IA+2C |
IA+3C |
IA+4C |
2A |
2A+IC |
2A+2C |
2A+3C |
2A+4C |
18-40 |
10,265 |
13,172 |
15,910 |
18,675 |
21,511 |
14,369 |
17,181 |
19,916 |
22,692 |
25,539 |
41-55 |
13,374 |
15,300 |
17,377 |
19,613 |
23,307 |
19,204 |
21,300 |
23,395 |
25,612 |
27,997 |
56-60 |
17,777 |
20,391 |
23,208 |
26,243 |
31,254 |
25,687 |
28,532 |
31,374 |
34,382 |
37,617 |
Gold plan (10% Co-Pay or 10,000 deductible) - Hospitalisation expenses + Convalescence benefit + Health service |
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Sum insured |
Rs. 15 lakh - 10% co-pay or 10k deductible |
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Age band |
IA |
IA+IC |
IA+2C |
IA+3C |
IA+4C |
2A |
2A+IC |
2A+2C |
2A+3C |
2A+4C |
18-40 |
7,507 |
9,566 |
11,505 |
13,464 |
15,471 |
10,402 |
12,392 |
14,331 |
16,297 |
18,314 |
41-55 |
9,825 |
11,342 |
12,967 |
14,805 |
16,539 |
14,067 |
15,704 |
17,342 |
19,064 |
20,904 |
56-60 |
2,962 |
15,020 |
17,225 |
19,719 |
22,072 |
18,718 |
20,939 |
23,162 |
25,498 |
27,993 |
Gold plan (10% Co-Pay or 10,000 deductible) - Hospitalisation expenses + Convalescence benefit + Health service |
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Sum insured |
Rs. 21 lakh - 10% co-pay or 10k deductible |
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Age band |
IA |
IA+IC |
IA+2C |
IA+3C |
IA+4C |
2A |
2A+IC |
2A+2C |
2A+3C |
2A+4C |
18-40 |
8,482 |
10,841 |
13,063 |
15,306 |
17,606 |
11,805 |
14,086 |
16,304 |
18,556 |
20,867 |
41-55 |
11,077 |
12,732 |
14,511 |
16,481 |
18,937 |
15,874 |
17,669 |
19,462 |
21,354 |
23,380 |
56-60 |
14,660 |
16,906 |
19,320 |
21,992 |
25,326 |
21,170 |
23,604 |
26,038 |
28,605 |
31,353 |
Gold plan (10% Co-Pay or 10,000 deductible) - Hospitalisation expenses + Convalescence benefit + Health service |
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Sum insured |
Rs. 30 lakh - 10% co-pay or 10k deductible |
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Age band |
IA |
IA+IC |
IA+2C |
IA+3C |
IA+4C |
2A |
2A+IC |
2A+2C |
2A+3C |
2A+4C |
18-40 |
9,582 |
12,274 |
14,808 |
17,369 |
19,994 |
13,381 |
15,985 |
18,516 |
21,088 |
23,724 |
41-55 |
12,460 |
14,243 |
16,166 |
18,237 |
21,657 |
17,858 |
19,799 |
21,738 |
23,792 |
26,000 |
56-60 |
16,538 |
18,956 |
21,566 |
24,376 |
29,015 |
23,861 |
26,494 |
29,126 |
31,911 |
34,907 |
Policy inclusions and exclusions
Have a quick look at the at the inclusions and exclusions of Care Health Insurance – Care Rakshak Plan:
- Key Inclusions
- Key Exclusions
| Key inclusions | Description |
|---|---|
| Restoration of the sum insured (Once in a policy year) | 100% of the base sum insured for unrelated illnesses |
| Critical illness coverage | 3x coverage for listed critical ailments |
| AYUSH treatment | Up to Rs. 5 lakh |
| Domestic road ambulance cover | Up to Rs. 2000 per hospitalisation |
| Daycare treatments | Up to the sum insured |
| Domiciliary treatments | Up to the sum insured |
| ICU charges | No limits |
| Additional SI in case of CI (Liver disorders, brain, heart, lung, cancer, gastrointestinal system, kidney, multi-organ failure requiring life support systems for more than 48 hours for survival) | Up to 3 times of sum insured |
| Key exclusions | Description |
|---|---|
| Waiting period | 30 days (except for injuries/accidents) |
| Pre-existing diseases | 24 months |
| Co-payment/deductible | Co-pay 10% of the admissible claim amount or per claim deductible of Rs. 10,000, whichever is lower shall be applicable. |
| Coverage | Treatment for any disease other than the ones mentioned in the policy document. |
Product information
For complete details on product benefits, features, terms, and exclusions, please read the product sales brochure and policy wordings carefully before concluding a sale.
How to claim
Follow these steps to raise a cashless claim request with Care Health Insurance:
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Step 1 - Contact the insurer
Contact the insurer:
1. Toll-free: 1800 102 4488
2. E-mail: customerfirst@careinsurance.com -
Step 2 - Locate a network hospital near you
You can get cashless treatment at 19,000+ Care Health network hospitals across India. Click here to locate a hospital near you.
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Step 3 - Verify patient’s identity
Contact the hospital insurance helpdesk or billing counter with a copy of patient’s medical ID card (issued by the insurer), pre-authorisation form along with valid Government ID proof.
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Step 4 - Submit the pre-authorization form
Fill and submit the pre-authorization form available at the hospital desk. You can also download the form online and fill it out beforehand.
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Step 5 - Claim settlement
The hospital/TPA submits the post treatment discharge summary and other related documents to the insurer for final approval.
The insurer will review and verify the documents and process the claim per the policy terms and conditions. The bills will be settled between the insurer and the hospital.
How to raise a reimbursement claim
To reimburse your hospital and medical expenses, follow these steps.
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Step 1 - Contact the insurer
Reach out to the insurer:
1. Toll-free: 1800 102 4488
2. E-mail: customerfirst@careinsurance.com -
Step 2 - Settle all hospital bills
Settle all medical bills and other costs involved in hospitalisation and treatment at the hospital.
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Step 3 - Submit necessary documents
Submit the required documents like the reimbursement claim form, hospital discharge summary, bills, and prescriptions online on the insurer’s website.
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Step 4 - Claim settlement
The insurer will review and verify the documents and process the claim as per the policy's terms and conditions.
Documents required for raising a claim request
Here is the list of documents you need to raise a claim request with Care Health Insurance.
- Policy document received at the time of purchase
- Invoices for all expenses being claimed
- Medical certificates and reports received from the doctor
- In case of loss of passport, a letter from the embassy confirming the loss
- In case of baggage loss, trip delay – letter/ confirmation from airlines
Frequently asked questions
The Care Health Rakshak plan is a comprehensive health insurance plan that gives you the financial security needed during a health emergency. Pre- and post-hospitalisation expenses, benefit of co-payment, organ donor expenses, road ambulance charges and much more are covered under this plan.
Given below are the key features and benefits of the Care Rakshak Plan:
- Additional sum insured in case of listed critical illness
- 100% restoration of sum insured
- Coverage for pre- and post-hospitalisation expenses
- Co-payment of 10% is available
- 3x coverage for listed critical ailments
You can claim benefits under the plan by writing to the provider at customerfirst@careinsurance.com.
The Care Rakshak Plan with Co-Pay costs Rs. 7, 507* and without Co-Pay costs Rs. 8,024*.
