Patient Care Cover Plan

Having a health insurance policy for yourself and your family is a necessity because of the constantly rising medical care expenses. In case of emergencies, high hospitalization charges can derail your finances and drain your hard-earned savings. The situation becomes even more difficult if the sole earning individual in a family requires medical attention.

However, you can get coverage against such expenses and risks, with Group Care 360 – Patient Care Cover from Care Health Insurance Co. Ltd. (formerly known as Religare Health Insurance), which provides a cash coverage of Rs. 1,000 per day, for a maximum of up to 30 days in the event of hospitalization within 1 policy year, with no deductibles.

Eligibility: Age band is missing.

Plan Validity: The plan is valid for a tenor of one year.

1. Payment will not be made above 30 days of hospitalisation

*Please refer to Policy Wordings for a detailed list of Exclusions

Waiting Period:

1. Initial Waiting Period: 30 Days
2. Named Ailments: 24 Months
3. Pre-Existing Disease: 24 Months

Specific Waiting Period for Named Ailments

1. Expenses related to the treatment of the listed Conditions; surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with the Company. This exclusion shall not be applicable for claims arising due to an accident.
2. In case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase.

• If any of the specified disease/procedure falls under the waiting period specified for pre-Existing diseases, then the length of the two waiting periods shall apply.

1. The waiting period for listed conditions shall apply even if contracted after the policy or declared and accepted without a specific exclusion.
2. If the Insured Person is continuously covered without any break as defined under the applicable norms on portability stipulated by IRDAI, then the waiting period for the same would be reduced to the extent of prior coverage.
3. List of specific diseases/procedures:

• Any treatment related to Arthritis (if non-infective), Osteoarthritis and Osteoporosis, Gout, Rheumatism, SpinalDisorders(unless caused by accident), Joint Replacement Surgery(unless caused by accident), Arthroscopic Knee Surgeries/ACL Reconstruction/Meniscal and Ligament Repair
• Surgical treatments for Benign ear, nose and throat (ENT) disorders and surgeries (including but not limited to Adenoidectomy, Mastoidectomy, Tonsillectomy and Tympanoplasty), Nasal Septum Deviation, Sinusitis and related disorders
• Benign Prostatic Hypertrophy
• Cataract
• Dilatation and Curettage
• Fissure / Fistula in anus, Hemorrhoids / Piles, Pilonidal Sinus, Gastric and Duodenal Ulcers
• Surgery of Genito-urinary system unless necessitated by malignancy
• All types of Hernia & Hydrocele
• Hysterectomy for menorrhagia or Fibromyoma or prolapse of uterus unless necessitated by malignancy
• Internal tumours, skin tumours, cysts, nodules, polyps including breast lumps (each of any kind) unless malignant
• Kidney Stone / Ureteric Stone / Lithotripsy / Gall Bladder Stone
• Myomectomy for fibroids
• Varicose veins and varicose ulcers
• Genetic disorders
• Parkinson's or Alzheimer's disease or Dementia;

Wait Period for Pre-existing Diseases:

1. Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with an insurer.
2. In case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase.

• If the Insured Person is continuously covered without any break as defined under the portability norms of the extant IRDAI (Health Insurance) Regulations, then the waiting period for the same would be reduced to the extent of prior coverage.

1. Coverage under the policy after the expiry of 24 months for any pre-existing disease is subject to the same being declared at the time of application and accepted by the Insurer.

You can raise a claim by reaching out to the insurer via one of the following ways:

• Insurer's E-mail - servicesupport@manipalcigna.com
• Insurer's toll-free number – 1800-102-4462

In case you have any queries related to coverage, exclusions, or claims, please write to us at wecare@bajajfinserv.in

Disclaimer - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited and Manipal Cigna Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws which are subject to change in future. Pls consult your tax advisor for more details. Visitors are hereby informed that by providing their personal or any information on our website they agree and understand that the information submitted by them may be shared with insurers.

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