Our Ethics
Life is about experiencing every good bit of it throughout one’s lifetime; be it a walk in the park with your parents or building memories of playing with your little one. At Elite Wealth Health Insurance, we understand that these experiences can be truly rejoiced when one lives a healthy life without having to worry about any unforeseen medical issues.
Our Objective
In line with our objective of ensuring good health…hamesha! Our Comprehensive Health Insurance Plan – ‘Care’; helps safeguard you & your family against financial risks arising out of a medical emergency. With ‘Care’ by your side you can be assured that while you’re unwell; we’ll take up all the hassles related to your treatment so that you can stay worry free and focus only on your recovery.
Care Coverage: A Comprehensive Health Insurance Plan to meet everyone’s ( individual and family) healthcare needs.
Individual & Floater Cover
Pre & Post Hospitalization
Ambulance Cover
Second Opinion
Daily Allowance
Domiciliary Hospitalization
In-Patient Care
Tax Benifit
No Claim Bonus
Organ Donar Cover
Annual Health-Checkup
Lifelong Renewability
Why should you buy Care:
- With Care, you get following Key USPs which are not available anywhere else.
- Annual Health Check-up for all members covered under the policy.
- Up to 150% No Claim Bonus with NCB Super.
- Unique Unlimited Automatic recharge.
- Care anywhere – Global Cover for 12 Critical Illnesses.
- Care is available with different riders, hence ability to fit your needs.
Best Health Insurance Companies in India
Types of Health Insurance Policies
Everyone needs to secure their own and their family’s health. With the increasing cost of healthcare in India, buying a health insurance policy has become almost mandatory for everyone. In today’s world of options, people have different choices when it comes to purchasing health insurance. There are various plans readily available in India to include every aspect of a medical emergency. Some popular types of policies are explained below:
- Individual Health Insurance Policy: This type of health insurance provides coverage to an individual against certain illnesses, offering advantages like cashless hospitalisation, reimbursement, coverage of pre-hospitalisation and post-discharge expenses and various add-ons. The entire sum assured is available for only one individual.
- Family Health Plan With family health plan, you can include your family members under the umbrella of a single health cover. Family floater mediclaim policies offer a fixed sum assured to the family members, which can be availed either by one or all members of a family for one or more claims during the tenure of the policy. Family health plans come are more expensive than an individual health plan
- Senior Citizen Health InsuranceSenior Citizen health insurance is designed particularly for anyone aged above 60 years and offers protection from health issues during old age. According to IRDAI, every health insurance firm must include people up to the age of 65 years in its plans.
- Surgery & Critical Illness Insurance PlansThis plan is usually brought as a standalone policy or as a rider for the treatment of various critical illnesses, such as kidney failure, paralysis, cancer, heart attack etc. As the medication of such illnesses is expensive, the imbursement related to them is also very high. A critical illness is a serious, possibly terminal, disease and is pre-defined by the provider. Most critical illness policies provide a lump-sum benefit if the insured is diagnosed with one or more of the specified terminal conditions.
- Maternity Health Insurance Medical insurance companies today cover additional costs, including those incurred in both pre and post-natal care, child delivery (normal or caesarean), and sometimes include vaccination of newborn babies in a maternity plan. This insurance covers the newborn baby up to the validity of this policy. It also covers transportation fee for ferrying the mom-to-be to the nearest network hospital of her choice.
- Personal Accident CoverThese personal accident plans are frequently offered as riders. They include hospitalisation and bear the medical outlay in the event of an accident. These are issued as fixed benefit policies, where a specified sum is paid on the occurrence of unforeseen events, such as accidents, which can result in death or disability of the person. However, the payout is not related to the sum assured.
- Pre-Existing Disease Cover: After 2-4 years of policy inception, various policies begin considering pre-existing diseases, e.g. diabetes, hypertension, kidney failure, cancer etc., for claims. Pre-existing disease cover is offered for the policy-specified illness(es) that the insured had before purchasing the policy.
- Preventive Healthcare: Undoubtedly, healthcare is very expensive and nobody wants to fall ill. So, now we have preventive health care that takes care of you before you fall sick. Preventive care, such as regular health check-ups, concession in X-ray fees, consultation fee etc., is offered by this policy. By offering various healthcare provisions, this plan aims at keeping you healthy. Preventive care is a medical care rendered not for a specific complaint but for prevention and early-detection of ailments.
- Unit Linked Health Plan: Unit- Linked Health Plan (ULHP) has been introduced recently, which offers a unique combination of health insurance and investment. Apart from giving health protection, ULHPs also contribute in building a corpus that can be used to meet expenditures which are not covered by health insurance policies.Among the ULHPs available in Indian market, ICICI Pru’s Health Saver, LIC’s Health Protection Plus, Birla Sunlife’s Saral Health and IndiaFirst’s Money Back Health Insurance Plan are a few big names. By opting for this plan, one can save a certain amount which can later be used to pay for the treatment of any pre-existing illnesses that are not covered by a normal health policy during the waiting period.
From Diagnosis to Recovery – “Care” at every step!
We understand that the meter doesn’t start from hospitalization but from the time of diagnosis and goes on even post discharge. We stand with you throughout the journey and not just for an event.
30 Day Pre-Hospitalization Coverage
The procedures that you undergo before getting hospitalized finally lead you to a hospital, such as investigative tests and routine medication, can be quite financially draining. We cover the medical expenses incurred by you up to 30 days before your hospitalization.
Ambulance Cover
It’s our utmost concern that you get the medical attention, you require as soon as possible, especially in an emergency. Which is why, we reimburse expenses incurred by you while availing a domestic road ambulance during your hospitalization. Not just this, some plans of our product care also offers coverage for availing an Air Ambulance if suggested by a doctor.
In-Patient Hospitalization
Hospitalization for at least 24 hours
We pay for – room charges, nursing expenses and intensive care unit charges, surgeon’s fee, doctor’s fee, anesthesia, blood, oxygen, operation theater charges, etc.; If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours.
Hospitalization less than 24 Hours
We cover medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for 24 hours or more. As a matter of fact we cover over 540+ day care procedures.
Room Rent
We reimburse every expense occurred while you’re staying in single or private room. You can also upgrade your room should there be a need to and is recommended by a treating doctor.
ICU Charges:
In time of an emergency we believe your focus should be only on your recovery. Hence we take care of those ICU charges that come in your way of getting a quality treatment.
60-Day Post – Hospitalization Coverage
Expenses don’t end once you’re discharged which is why even we don’t rest unless you’re completely ready to take all the challenges of life head on. We reimburse expenses such as doctor consultations,Diagnostic tests, medications etc that you incur up to 60 days post your hospitalization.
Domiciliary Hospitalization
In case of an emergency or a medical condition that does not allow you to get admitted in a hospital, we provide coverage for medical expenses incurred during your treatment at home for a period exceeding 3 consecutive days. So nothing should delay the treatment you deserve.
Annual Health Check-up
We believe in the old adage that an ounce of prevention is better than a pound of cure. This is why we give an Annual Health Check-up for yourself and all members covered by your policy, including children.
Automatic Recharge of Sum Insured
Keep your worries regarding medical expenses outside the door with Automatic Recharge of Sum insured. If you ever run out of your health cover due to claims made, we will reinstate the entire Sum Insured amount of your policy. This additional amount can be used by you for any other ailment or by any other insured member for treatment of any ailment.
No-Claim Bonus
We raise a cheer to good health for every year that you don’t claim by increasing your Sum Insured by 10%, up to a maximum of 50% in consecutive 5 years.
Organ Donor Cover
We care about those who help you as much as we care for you. So, beyond ensuring that your medical needs are met, we will reimburse you for medical expenses that are incurred by an organ donor while undergoing the organ transplant surgery.
Reassurance of Second Opinion
Sometimes reassurance works better than the cure itself. Which is why if, at any moment you feel uncertain about your diagnosis, you can opt for a second opinion at no extra cost specially arranged by us.
No Upper Age Limit of Enrollment
All our plans including ‘care’, come with no upper age limit of enrollment i.e. even if a person is 100 years old, they can definitely apply.
Lifelong Renewability
We don’t leave you in between the journey and honor our commitment by giving our customers option of lifelong renewability i.e. once enrolled an individual can continue to stay covered throughout one’s life, provided they renew their policy on time every year. Even alternate treatments are covered
We understand that sometimes non-allopathic treatments may prove to be more effective. Whether it is Ayurveda, Unani, Sidha or Homeopathy, choose the treatment that suits you and we will cover it up to a specified limit and varies according to the plan chosen.