How do I purchase a health insurance plan?
You can purchase a plan directly from our website carewayusa.com or contact our customer service for assistance.
What documents are required to file a claim?
You will need hospital bills, medical records, and a government-issued ID for verification.
Am I eligible for a refund if I cancel my health insurance policy?
Yes, you may be eligible for a refund depending on when you cancel and whether you have used any policy benefits.
Here’s how our refund policy works:
- Full Refund: If you cancel your policy within the first 7 days of purchase and have not made any claims, you are eligible for a full refund of your premium.
- Partial Refund: If you cancel after 7 days but before completing one full month, and no claims have been made, a partial refund may be issued after deducting administrative and processing charges.
- No Refund: If any claims have been made during the policy period, or if the cancellation request is made after 30 days, no refund will be issued.
Please Note:
- Refunds are processed within 14 business days of receiving your cancellation request and necessary verification documents.
- All refunds are issued to the original payment method used at the time of purchase.
If you have specific questions or need help initiating a refund request, our 24/7 support team is always here to assist you.
What happens if I miss a payment?
If you miss a premium payment, you will have a 10-day grace period during which you can still make the payment and keep your policy active.
If the payment is not received within this grace period:
- Your policy will be temporarily suspended, and you will not be able to make any claims.
- After the grace period, if the payment remains pending, your policy will be automatically canceled.
You can reinstate your policy within 6 months of cancellation by contacting our support team. Reinstatement may require fresh documentation and approval.
Important: Once reinstated, claims cannot be made immediately. You must complete three consecutive monthly premium payments after reinstatement before your coverage becomes fully active again for claims.
To avoid coverage interruptions, we recommend enabling auto-payments or setting up calendar reminders.
What treatments are not covered?
To keep our plans affordable and focused on essential healthcare, the following treatments and services are generally not covered:
- Over-the-counter (OTC) medications without a prescription
- Treatments related to drug or alcohol abuse
- Cosmetic or appearance-enhancing procedures (e.g., plastic surgery, botox, liposuction)
- Dental cosmetic enhancements such as gold/silver capping, tooth jewelry, and non-essential orthodontic work
- Routine dental care, including cleaning, scaling, and whitening
- Vision correction surgeries like LASIK
- Routine vision tests, eyeglasses, contact lenses, or frames
- Dietary supplements and vitamins, unless prescribed and administered during hospitalization
- Experimental, investigational, or unapproved treatments
- Fertility treatments or assisted reproductive technologies (e.g., IVF, IUI)
- Sex reassignment or gender affirmation surgeries
- Treatments for self-inflicted injuries or suicide attempts (unless mandated by law)
- Non-medically necessary procedures or treatments done purely for convenience
Can I reinstate my policy after cancellation?
Yes, you can reactivate your policy within 6 months of cancellation, or you may create a new account.
How do I contact customer support?
You can reach us via our 24/7 helpline or email us at [helpdesk@carewayusa.com].
Can I change my insurance plan after purchasing?
Yes, you can upgrade or change your plan by contacting our customer service team.
How long does it take to process a claim?
Claim processing typically takes 7-14 business days, depending on document verification. However, in case of an emergency where the customer cannot afford hospital bills upfront, we offer urgent payment assistance to ensure immediate medical care.
Does my insurance cover pre-existing conditions?
Coverage for pre-existing conditions depends on the specific terms of your policy. Please check your policy details or contact customer support for clarification.
Can I add family members to my insurance plan?
Yes, you can add dependents to your plan. Contact our support team for eligibility and pricing details.
When can I start claiming benefits under my policy?
We want to ensure that all our customers receive fair and continuous coverage while also maintaining the integrity of our services.
Here’s how claim eligibility works:
Please note:
Claims made before completing the 3-payment requirement (except emergencies as stated above) will not be eligible for reimbursement or cashless approval
For all new policyholders, you can start claiming benefits after completing three (3) consecutive monthly premium payments.
This means your policy must be active for at least 90 days from the start date, with no missed payments during this period.
Exceptions:
In case of accidental injuries or life-threatening medical emergencies, your coverage begins from Day 1 — even if the 3-month waiting period is not completed. We believe urgent care should never be delayed.
Why do we have this waiting period?
This 90-day buffer helps us ensure that the policy is being used by genuine customers and protects the plan from misuse. It allows us to keep our premiums affordable for everyone.
If you have questions about your specific policy or eligibility, feel free to contact our support team any time.
Are chronic illnesses and lifelong medications covered under my policy?
If you are diagnosed with a chronic condition (such as diabetes, hypertension, thyroid disorder, asthma, etc.) after your policy has started, we will cover the cost of medically‑prescribed medications and doctor consultations related to that condition for up to six (6) months from the date of diagnosis.
- After this 6‑month period, routine expenses—such as daily medicines, follow‑up consultations, lab tests and monitoring—will no longer be covered under the base plan.
- All future hospitalizations caused by the condition will, however, remain covered according to your policy terms.
- Pre‑existing chronic illnesses declared at the time of purchase are subject to the standard waiting‑period rules stated in your policy schedule.
This limited 6‑month support helps you manage the initial impact of a chronic diagnosis without added financial stress, while allowing us to keep premiums affordable for everyone.
Do I need a prescription to claim medication expenses under my policy?
Yes. In the United States, all prescription medications must be issued by a licensed healthcare provider and filled at a certified pharmacy. To be eligible for a reimbursement under your policy, you must submit:
- A valid prescription from a certified medical professional
- A copy of the pharmacy bill or receipt showing the medication details
- Any other documents required by our claims department
Over-the-counter (OTC) medications without a prescription are not eligible for reimbursement.
If I am prescribed medication for 6 months, will the full amount be paid at once?
To ensure responsible usage and smooth claims processing, medication reimbursements are handled on a monthly basis.
If your doctor prescribes you medication for an extended period (e.g., 6 months), you will need to submit monthly pharmacy bills along with your original prescription. We will reimburse eligible medication costs each month, based on actual purchases and valid receipts.
What if the medication changes or causes side effects?
If the prescribed medication does not suit you or causes side effects, and your doctor changes the treatment, the new medication will also be covered—provided you submit the updated prescription and medical justification (e.g., doctor’s note or consultation summary).
This approach ensures that customers receive timely support without delays, while also helping us prevent misuse or overpayments.
Is telemedicine or online doctor consultation covered under my policy?
Yes, we cover general telemedicine consultations with licensed doctors for common medical conditions such as cold, fever, infections, or basic health concerns.
These online visits are included in your policy to help you get fast, affordable medical advice from the comfort of your home.
Please note:
- Telemedicine coverage is limited to general health consultations only.
- Specialist consultations (such as psychiatry, therapy, or complex diagnostics) are not included under the base plan.
- Reimbursement is subject to valid documentation (consultation summary and provider license ID, if applicable).
Can I access my policy details online?
Yes, you can log in to your account on carewayusa.com to view and manage your policy details.
Can I transfer my health insurance policy to someone else?
No, a health insurance policy cannot be transferred to another person. It is issued in the name of the insured individual and is specific to their medical profile. However, if you have a family floater plan, any covered member can raise a claim as per the policy terms. For any assistance, you can contact our 24×7 customer care. Please note: the policy itself cannot be reassigned to a different name.
Can I pay quarterly, half-yearly, or annually instead of monthly?
At the moment, we offer monthly payment plans only — and there’s a good reason for that.
We believe that healthcare should be affordable and stress-free. By offering monthly payments, we help you avoid large one-time charges and give you better control over your monthly budget.
This also ensures that no one has to delay or avoid coverage just because of a big upfront payment.
More flexibility in the future:
We are constantly listening to our users and may introduce quarterly or annual options in the future — based on what works best for you.
For now, monthly plans offer the perfect balance of convenience, flexibility, and affordability.
Do I need to visit specific hospitals or medical brands to use my insurance?
No, you are not restricted to any specific hospital or medical brand.
You are free to seek treatment from any licensed hospital, clinic, or pharmacy of your choice, based on your comfort and preference.
To process your claim, you’ll simply need to submit valid medical documents related to your illness or treatment, such as:
- Hospital bills or invoices
- Diagnosis reports
- Prescription and medication details
- Any other required supporting documents
Once submitted, our team will review the documents and process your claim as per your policy terms — regardless of which hospital or provider you visited.
We believe healthcare should be about your choice and comfort, not limitations.
Does the plan cover pregnancy and delivery-related expenses?
Yes, if your health insurance plan includes maternity benefits, it covers pregnancy-related medical expenses including hospitalization, delivery charges, and other associated medical costs — up until the mother is safely discharged from the hospital.
After the baby is born, you can easily add your newborn to your policy by updating your plan. This ensures your child is also covered under your health insurance going forward.
If my treatment cost exceeds the $100,000 annual coverage limit, will the company still provide full treatment for a fatal disease or serious medical condition?
Our plans offer an annual coverage limit of $100,000 per person, regardless of which plan you choose.
However, because we promise to stand by you in the event of any serious or life-threatening medical condition, if your treatment cost is expected to exceed this limit, we will still ensure you receive the care you need — with certain conditions.
In such cases, you must receive treatment at one of our approved partner hospitals, which may be located outside the United States.
Our primary international treatment destinations are:
- India – Internationally accredited hospitals, world-class doctors, and treatment costs up to 20× lower than in the U.S.
- Singapore – A globally top-ranked healthcare system with modern infrastructure and significantly reduced costs.
- Turkey – Advanced medical technology, skilled specialists, and high-quality care at affordable rates.
If your treatment is referred to one of these countries:
- The company will cover round-trip airfare for you and one accompanying person.
- We will also cover all accommodation and living expenses in the treatment city for the duration of your care.
- All medical expenses at the partner hospital will be fully covered according to your treatment plan.
This ensures you receive complete, world-class medical care without facing additional costs, even if your treatment exceeds your U.S. coverage limit.
How can I pay for my Careway membership?
PayPal is our official payment partner, and currently, we accept payments only through PayPal.
PayPal is a highly secure payment method, which reduces the risk of scams to nearly zero.
Your card, bank, and personal details remain completely safe.
Direct website transactions will never expose your sensitive information to hackers.
If you don’t have a PayPal account, our support team can guide you to create one in just a few minutes.
Once your PayPal account is ready, you can pay using your PayPal balance, linked bank account, or credit/debit card.
After payment, your subscription will be activated immediately, and recurring monthly payments will be processed automatically via PayPal.
What payment methods are available?
We accept payments only through PayPal, our official payment partner. PayPal is secure, your card and bank details are safe, and direct website data is never exposed. If you don’t have an account, our team can help you create one in minutes.
How will I receive claim payments from Careway?
Careway uses WISE as our official payment partner to transfer claim amounts directly to you or to the hospital/medical provider where you receive treatment.
Payments via WISE are fast, secure, and reliable, minimizing any risk of scams or incorrect transfers.
You can receive funds directly in your bank account linked to WISE.
Using WISE ensures accurate and timely payment for all claim amounts.
WISE provides transparent transaction tracking, so you always know when and where your money is sent.
Why does Careway use WISE for claim payments?
WISE allows Careway to:
Safely transfer claim payments to you or the hospital.
Reduce errors and prevent fraudulent or misdirected payments.
Ensure that funds are delivered quickly and securely, wherever you are receiving treatment.