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
Full Refund: Available if you cancel within 7 days of purchase and no benefits have been used.
Partial Refund: Available if you cancel within 30 days, with no usage, after deduction of admin fees.
No Refund: If benefits have been used or if cancellation is requested after 30 days.
All refunds are processed within 14 business days to the original payment method.
Missed Payments & Plan Reinstatement
A 10-day grace period is provided for missed payments.
After the grace period:
Your plan will be suspended, and services will not be accessible.
Continued non-payment will result in automatic cancellation.
Plans can be reinstated within 6 months, subject to fresh documentation and a 3-month no-usage buffer.
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