By using carewayusa.com, you agree to comply with the following terms and conditions. Please read them carefully before using our services.
Eligibility & Account Usage
This website is intended for use by residents of the United States only.
Users must provide accurate and truthful information for membership enrollment and account management.
Any misrepresentation or fraudulent activity may result in account suspension or permanent termination.
Plan Purchase & Account Access
Plans can be purchased directly from carewayusa.com or by contacting our customer support.
Users can log in to their account anytime to view and manage their membership plan details.
Benefit Eligibility & Limitations
Benefits are typically processed within 7–14 business days, depending on document verification.
In case of life-threatening emergencies or accidental injuries, services begin from Day 1.
For other benefits, access is granted only after three (3) consecutive monthly payments without any missed payments.
Valid documents are mandatory for processing requests.
Over-the-counter (OTC) medications without a prescription are not eligible.
High-Cost Treatment Beyond Annual Limit
If your treatment cost is expected to exceed the $100,000 annual plan limit due to a serious medical condition, we will arrange for treatment at one of our approved partner hospitals, which may be located outside the United States.
Current international treatment destinations include:
India – Internationally accredited hospitals, highly experienced doctors, and treatment costs up to 20× lower than in the U.S.
Singapore – Globally top-ranked healthcare system with modern infrastructure and reduced costs.
Turkey – Advanced medical technology, skilled specialists, and high-quality care at affordable rates.
Non-Covered Services
The following are not included in our plans:
Cosmetic or aesthetic treatments (e.g., plastic surgery, botox)
Drug/alcohol-related treatments
Routine dental or vision care (cleaning, glasses, whitening, LASIK)
Experimental or unapproved medical treatments
Fertility treatments (IVF, IUI)
Gender affirmation surgeries
Self-inflicted injuries (unless mandated by law)
Refer to our FAQ for a full list of exclusions.
Refund & Cancellation 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:
Yes, your refund eligibility depends on the number of payments completed and whether any claims have been used.
Here’s how the refund policy works:
Full Refund:
If you cancel your policy before completing 3 payments, you are eligible to apply for a full refund, provided no claims have been made.Partial Refund (80%):
If you cancel your policy after completing 3 payments and no claims have ever been used, you may still apply for a refund.
In this case, 80% of the total amount paid will be refunded, and 20% will be deducted as administrative and processing charges.No Refund:
If any claim has been made at any time during the policy period, no refund will be issued, even if you choose to cancel later.
Missed Payments & Plan Reinstatement
A 10-day grace period is provided from the payment due date.
If payment is made within this period, the policy remains active with no impact.If payment is not received within 10 days, the policy will be temporarily suspended, and claims will not be allowed.
The policy may be reinstated only if the missed payment is cleared within 3 months from the suspension date.
If payment is made after the grace period, a late fee of $10 per missed payment may apply and must be paid at reinstatement.
Claims are not available immediately after reinstatement.
The member must complete two consecutive monthly payments before becoming eligible to make a claim.If payment is not completed within 3 months, the policy will be permanently cancelled, and a new plan will be required.
Plan Modifications & Payments
You may change or upgrade your plan by contacting customer support.
Currently, only monthly payment options are available.
Quarterly or annual options may be introduced in the future.
Family Members & Chronic Illness Coverage
You can add family members or dependents to eligible plans.
Newly diagnosed chronic conditions (like diabetes, asthma) after purchase are covered for up to 6 months.
Pre-existing conditions follow standard waiting periods as per your plan.
Telemedicine & Hospital Choice
General teleconsultations with licensed doctors are included in the base plan.
Members are free to seek services at any licensed hospital or pharmacy of their choice.
Services are valid regardless of location, subject to proper documentation.
Changes to These Terms
We reserve the right to update these Terms at any time.
Major updates will be communicated via email or through notices on our website.
Continued use of our services implies acceptance of the revised terms.
Contact Us
For questions, requests, or refund inquiries, feel free to contact us:
Email: helpdesk@carewayusa.com
Phone: +1-888-429-7890