Care Health Insurance

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Updated on Aug 11, 2025 4 min read

Care Health Insurance offers cashless treatments across 24,800+ network hospitals across India. It was known as Religare Health Insurance previously. Care Health was formed in 2012 as a subsidiary of Religare Enterprises but in 2020 it got a new name- "Care Health Insurance." Since that day, Care Health Insurance has been working to create products that will take care of your finances regarding medical expenses and yes, it is one of the top stand-alone companies whose claim settlement ratio has been 100% for the last 3 years.

Buying Care Health Insurance plans ensures you have access to e-consultations, annual health check-ups, customizable features, and more.

What Does Care Health Insurance Do?

Care Health Insurance offers various quality-driven products related to family health insurance, critical illness coverage, personal accident, super top-ups, and maternity insurance along with micro-insurance products for rural areas. With Care Health Insurance you can feel safe when in need. You need to pay the amount as premiums and during times of need, the company will pay the bills. That's how care health insurance works.

24800+

Network
Hospitals

7 Crore+

Lives Covered
Since Inception

48 Lakhs+

Claims
Settled

UP TO 6 Cr

Sum
Insured

24X7

Customer
Support

What are some of the
Features
that set them apart?

1

100% Claims Settlement Ratio
2

A comprehensive wellness system to promote a healthy lifestyle
3

Unlimited automatic recharge
4

Unlimited access to network fitness centers
5

Efficient Care Health App

Care Health Insurance Awards and Accolades.

Best Health Insurance Company of the Year at the India Insurance Summit and Awards 2023
Smart Insurer of the Year and Sales Champion of the Year Awards 2022
'e4m Pride of India - The Best of Bharat Awards 2022'
Best Health Insurance Product and Best Health Insurance Agents Awards 2021
'Best BFSI Brands 2019' by Economic Times

Why Do We Exist?

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Best Selling Care Health Insurance Plans

Let's take a look at the list of health insurance plans that offer comprehensive protection to you and your family

Group Health Insurance

Care Health Insurance Plans	Eligibility	Approximate Annual Premiums
Care Group Health Insurance	Entry Age - Sum Insured - Up to 0	Rs.

Individual and Family Health Insurance

Care Health Insurance Plans	Eligibility	Approximate Annual Premiums
Care Ultimate Care Plan	Entry Age - Sum Insured - Up to 0	Rs.
Care Plus Plan	Entry Age - Sum Insured - Up to 0	Rs.

Critical Illness Health Insurance

Care Health Insurance Plans	Eligibility	Approximate Annual Premiums
Care Heart Plan	Entry Age - Sum Insured - Up to 0	Rs.
Care Critical Mediclaim	Entry Age - Sum Insured - Up to 0	Rs.

Family

Care Health Insurance Plans	Eligibility	Approximate Annual Premiums
Care Classic	Entry Age - Sum Insured - Up to 0	Rs.
Care Enhance Plan	Entry Age - Sum Insured - Up to 0	Rs.

Women Health Insurance

Care Health Insurance Plans	Eligibility	Approximate Annual Premiums
Care Joy Plan	Entry Age - Sum Insured - Up to 0	Rs.

Senior Citizen Health Insurance

Care Health Insurance Plans	Eligibility	Approximate Annual Premiums
Care Senior	Entry Age - Sum Insured - Up to 0	Rs.

Accident Health Insurance

Care Health Insurance Plans	Eligibility	Approximate Annual Premiums
Care Secure Personal Accident	Entry Age - Sum Insured - Up to 0	Rs.

Key Features Of Care Health Insurance

Let us take a look at some unique features of top-selling Care Health Insurance policies:

For Group Health Insurance

Care Group Health Insurance

Care Group Health Insurance

Care Group Health Insurance comes with a wide variety of inclusions. These include pre- and post-hospitalization expenses, in patient expenses, and many more. Care group health plans are designed for personalised business needs.

Why do we recommend this?

High claim settlement of 92.77% for FY 2023-24
Offers flexible eligibility for entry age
No pre-policy medical check-ups

For Individual and Family Health Insurance

Care Ultimate Care Plan

The Ultimate Care health insurance plan by Care Health is designed to provide comprehensive coverage to the policyholder with a range of benefits. This revolutionary plan rewards you for staying healthy with the moneyback and loyalty benefits.

Why Do We Recommend This?

Newborn-wait period benefits
Health services
Lifelong coverage

For Critical Illness Health Insurance

Care Heart Plan
Care Critical Mediclaim
Cancer Mediclaim Policy

Care Heart Plan

Care Heart provides the flexibility to choose from benefits like Active heart health check-ups, OPD care, Home Care, International 2nd opinion and more according to the plan suitable for your needs. Care Health Insurance is designed to serve the insurer in terms of cardiac ailments.

Why do we recommend this?

Tax benefits
Knee replacements
Health check-ups

For Family

Care Classic
Care Enhance Plan

Care Classic

Care Classic is a zone-based family health insurance plan that is ideal for joint families, married couples etc. Care Classic health insurance is a family floater health plan ideal for married couples, joint families, and young and grown-up families.

Why do we recommend this?

OPD Benefits
Annual Health Check-up
ICU Charges

For Women Health Insurance

Care Joy Plan

Care Joy Plan

Care Joy health insurance is designed specifically for expecting mothers and their newborns to offer them several well-known benefits. It covers the cost of normal delivery and caesarean delivery along with the other delivery-related expenses.

Why Do We Recommend This?

Maternity Cover
Newborn Cover
Daycare Treatments

For Senior Citizen Health Insurance

Care Senior

Care Senior

Comprehensive health insurance covers road traffic accidents and assisted reproductive treatments. The plan offers a 5% discount on premiums for maintaining a healthy lifestyle.

Why Do We Recommend This?

Avail cataract treatments for covered members
Emergency domestic evacuation is available
Compassionate travel

For Accident Health Insurance

Care Secure Personal Accident

Care Secure Personal Accident

Care Secure personal accident policy covers accidental death, permanent and temporary partial/total disability, recovering treatment costs, accidental burns, fractures, mortal remains mobility, and much more.

Why Do We Recommend This?

Accidental death (AD)
Accidental total disablement (ATD)
Permanent total disablement (PTD) improvement

Explore other Care Health Insurance

To cater to the different medical needs of an individual & their family, Care Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more. Take a look below to Care Health Insurance plans explore more:

Group Health Insurance

Care Group Health Insurance

Care Health provides Group Health insurance, Group Personal Accident Insurance, and Group Travel Insurance. Care Health Insurance has offered 11,000+ ...

Unique Features

Explore Care Health Group Plans
Care Claim Settlement Ratio
Benefits of Care Group Plans

Care Group Health Insurance (Pros)

Care Group Health Insurance (Cons)

Care Group Health Insurance (Other Benefits)

Care Group Health Insurance (Eligibility Criteria)

Individual and Family Health Insurance

Care Ultimate Care Plan

The Ultimate Care health insurance plan by Care Health is designed to provide comprehensive coverage to the policyholder with a range of benefits. Thi...

Unique Features

Moneyback benefits
Newborn coverage
Medi vouchers

Care Ultimate Care Plan (Pros)

Ambulance cover
Discounts
Loyalty boost
New born cover

Care Ultimate Care Plan (Cons)

OPD not covered
Cosmetic surgeries
Congenital diseases

Care Ultimate Care Plan (Other Benefits)

MedVoucher
Cumulative bonus
Doctor on chat

Care Ultimate Care Plan (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - No Age Limit
SI - 5 L to 1 Cr
Waiting Period - 30 Days

Critical Illness Health Insurance

Care Heart Plan

Care Heart is a unique plan launched by Care Health Insurance that provides the flexibility to choose from benefits like Active heart health check-ups...

Unique Features

Coverage for OPD
Home care available
International 2nd opinion

Care Heart Plan (Pros)

Cardiac health check up
Second medical opinion
Automatic SI restoration
Lifelong cover

Care Heart Plan (Cons)

Change of gender treatment
Obesity treatment unavaialable
Hazardous activity not covered
HIV/AIDS not covered

Care Heart Plan (Other Benefits)

OPD care
Home care
International 2nd opinion
Automatic recharge
High SI

Care Heart Plan (Eligibility Criteria)

Entry age- 18 years
Max entry age- No age limit
SI- 3 to 10 L
Waiting period- 30 days

Individual and Family Health Insurance

Care Plus Plan

Care Plus health insurance is a complete healthcare plan that is loaded with features and protects you and your family. Care Plus offers comprehensive...

Unique Features

Comprehensive coverage
No upper age limit
Variants on Sum Insured

Care Plus Plan (Pros)

Ambulance cover
Day care treatments
Domiciliary hospitalization

Care Plus Plan (Cons)

Illegal activities
alcohol abuse
obesity treatment

Care Plus Plan (Other Benefits)

Personal accident cover
Inflation shield
Health services

Care Plus Plan (Eligibility Criteria)

Min entry age: 5 Years
Max entry age: No limit
Initial Waiting Period: 30 Days
Sum Insured: Up to 25 L

Family

Care Classic

Get coverage based on your residential zone. Care Classic health insurance is a family floater health plan ideal for married couples, joint families, ...

Unique Features

IVF treatment cover
Free doctor consultation
Discounted premiums

Care Classic (Pros)

Room rent covered
Day care treatment
Advanced technology methods
ICU charges

Care Classic (Cons)

Global coverage
Air ambulance
Vaccination
Daily hospital cash

Care Classic (Other Benefits)

AYUSH treatment
IVF treatment
Cataract
No claim bonus

Care Classic (Eligibility Criteria)

Min. entry age: 18 Years
Max. entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 15 L

Family

Care Enhance Plan

A top-up plan based on policy deductible principle Care Enhance is a super top-up health insurance plan that provides extra health insurance coverage ...

Unique Features

Flexible deductible
Modern treatments
No pre-medical check-ups

Care Enhance Plan (Pros)

Covers modern treatment
Flexible options of deducton
No pre-policy medical test
Annual health check-up
Floater option

Care Enhance Plan (Cons)

Change of gender treatments
Obesity treatment unavailable
HIV/AID not covered

Care Enhance Plan (Other Benefits)

High sum insured
Organ donor expenses
Expert opinion cover
Cashless treatment

Care Enhance Plan (Eligibility Criteria)

Entry age- 5 years
Max entry age- No age limit
SI- 1 L to 55 L
Waiting period- 30 days

Women Health Insurance

Care Joy Plan

An ideal combination of hospitalization and maternity care. Care Joy health insurance is designed specifically for expecting mothers and their newborn...

Unique Features

Newborn baby cover
541 Daycare treatments
Modern treatments cover

Care Joy Plan (Pros)

2 Plan variants
New born cover
Maternity cover

Care Joy Plan (Cons)

Illegal activities
Alcohol abuse
Ambulance cover

Care Joy Plan (Other Benefits)

No claim bonus
Renewal
Lifelong renewability

Care Joy Plan (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 5 L

Individual and Family Health Insurance

Care Plan

Single health insurance to cover all family members. Care health insurance plan is a comprehensive medical policy for individuals and families. It is ...

Unique Features

No claim bonus up to 100%
Annual health check-ups
Personal accident cover

Care Plan (Pros)

In-built maternity cover
No upper age limit for enrollment
Coverage for modern treatment
Pre-existing diseases

Care Plan (Cons)

War
Riot
AIDS
Miscarriage
Congenital disease

Care Plan (Other Benefits)

Lifelong renewability
ICU charges
Day care treatment
Ambulance cover
Organ donor cover

Care Plan (Eligibility Criteria)

Min entry age: 91 days
Max entry age: No limit
Initial Waiting Period: 30 Days
Sum Insured: Up to 6 Cr

Senior Citizen Health Insurance

Care Senior

Care Senior Citizen is specially designed to offer coverage for individuals above 60 years of age. It offers flexibility to choose the sum insured tha...

Unique Features

No pre-policy check-up
Annual rewards available
Reduction in wait period

Care Senior (Pros)

Affordable premiums
Day care treatments
ICU charges

Care Senior (Cons)

Illegal activites
Adventure sports
Alcohol abuse

Care Senior (Other Benefits)

No-claim bonus
Second opinion
Alternative treatments

Care Senior (Eligibility Criteria)

Min entry age: 61 Years
Max entry age: No Limit
Initial Waiting Period: 30 Days
Sum Insured: Up to 10 L

Critical Illness Health Insurance

Care Critical Mediclaim

Critical Mediclaim Care health insurance policy gives you protection against 32 defined critical illnesses based on an indemnity plan. This super-faci...

Unique Features

32 Critical illnesses cover
Dialysis expenses covered
Avail psychiatric counselling

Care Critical Mediclaim (Pros)

Wellness benefits
Organ donor cover
32 CI covered

Care Critical Mediclaim (Cons)

Obesity treatment
alcohol abuse
illegal activities

Care Critical Mediclaim (Other Benefits)

Global coverage
International opinion
Doctor on call

Care Critical Mediclaim (Eligibility Criteria)

Min entry age: 5 Years
Max entry age: 50 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 2 Cr

Individual and Family Health Insurance

Care Freedom Health Insurance Plan

Free yourself from the worries of healthcare. As the name suggests, Care Freedom is the plan that allows you to be worry-free in every situation. Thi...

Unique Features

Additional health checkups
Dialysis cover
No pre-medical check-up

Care Freedom Health Insurance Plan (Pros)

No pre-policy checkup needed
Dialysis cover available
Annual health checkup

Care Freedom Health Insurance Plan (Cons)

Change of gender treatment
Obesity treatment
HIV/AIDS not covered
Cosmetic surgery unavailable

Care Freedom Health Insurance Plan (Other Benefits)

Cashless healthcare
No pre-policy check up
SI recharge
Lifelong renewability

Care Freedom Health Insurance Plan (Eligibility Criteria)

2 plan variants
Consumable allowance
Annual health check-up
Long term discounts

Individual and Family Health Insurance

Care Supreme Plan

Care Supreme is an extensive coverage health insurance plan that safeguards you and your family members without worrying about your future healthcare ...

Unique Features

Unlimited E-consultations
Automatic Restoration
Wellness Benefits

Care Supreme Plan (Pros)

Modern treatments
Renewal discounts
Unlimited e-consultation

Care Supreme Plan (Cons)

Illegal activities
alcohol abuse
obesity treatments

Care Supreme Plan (Other Benefits)

Ambulance cover
Doctor on chat
Maternity care

Care Supreme Plan (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: No age limit
Initial Waiting Period: 30 Days
Sum Insured: Up to 1 Cr

Accident Health Insurance

Care Secure Personal Accident

Care Secure personal accident policy covers accidental death, permanent and temporary partial/total disability, recovering treatment costs, accidental...

Unique Features

PTD & PPD cover
Cover for child education
100% accidental death payout

Care Secure Personal Accident (Pros)

Accidental death
Accidental total disablement
Permanent total disablement

Care Secure Personal Accident (Cons)

Illegal activities
Alcohol abuse
Obesity treatment

Care Secure Personal Accident (Other Benefits)

Accidental hospitalisation
Tax benefits
Loyalty benefit

Care Secure Personal Accident (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 70 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 50 L

Critical Illness Health Insurance

Cancer Mediclaim Policy

Worried about cancer in your bloodline? Care Cancer Mediclaim has got you covered. Cancer can be defined as distress, hopelessness and loss. There cou...

Unique Features

Wide SI options
Lifelong renewability
Cancer-related global coverage

Cancer Mediclaim Policy (Pros)

Annual health checkup
Chemo and radiotherapy cover
Air ambulance cover
Chemo and radio therapy
Organ donor cover

Cancer Mediclaim Policy (Cons)

Change of gender treatment
Obesity treatment unavailable
HIV/AIDS not covered
Cosmetic surgery unavailable

Cancer Mediclaim Policy (Other Benefits)

International second opinion
Doctor on call
Air ambulance cover
OPD cover

Cancer Mediclaim Policy (Eligibility Criteria)

Entry age- 5 years
Max entry age- 50 years
SI- 10 L to 2 Cr
Waiting Period- 30 days

Individual and Family Health Insurance

Care Advantage Plan

Care Advantage Health Insurance is an ideal 1 Crore option so that a policyholder's family is adequately covered. Care Advantage health insurance offe...

Unique Features

High sum insured
540+ procedures covered
Organ donation cover

Care Advantage Plan (Pros)

No bonus claim up to 50%
Automatic SI recharge
Organ donor cover
Automatic recharge
High SI

Care Advantage Plan (Cons)

20% co-pay
Obesity treatment unavailable
Hazardous activity not covered

Care Advantage Plan (Other Benefits)

Ambulance cover available
Optional cover available
Co-pay waiver
Room rent modification

Care Advantage Plan (Eligibility Criteria)

Entry age- 91 days
Max entry age- Lifelong
SI- 25 L to 6 Cr
Waiting Period- 30 days

Individual and Family Health Insurance

Care Operation Insurance

Care Operation Insurance Plan is designed specifically to offer you surgical operations coverage. A wide range of sum insured options are available ra...

Unique Features

Unlimited E-consultations
Automatic Restoration
Wellness Benefits

Care Operation Insurance (Pros)

Health services
Air Ambulance cover
Chemotherapy cover

Care Operation Insurance (Cons)

Illegal activities
Alcohol abuse
Obesity treatments

Care Operation Insurance (Other Benefits)

Dialysis cover
Second opinion
Organ donor cover

Care Operation Insurance (Eligibility Criteria)

Min entry age: 5 Years
Max entry age: 50 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 2 Cr

Individual and Family Health Insurance

Arogya Sanjeevani Plan

Arogya Sanjeevani was first introduced by IRDAI (Insurance Regulatory and Development Authority of India) in the year 2020 to provide a standard and a...

Unique Features

High sum insured
540+ procedures covered
Organ donation cover

Arogya Sanjeevani Plan (Pros)

AYUSH treatment
Affordable premium
Lifelong renewability
Tax benefit

Arogya Sanjeevani Plan (Cons)

Change of gender treatment
Obesity treatment unavailable
Hazardous activity not covered

Arogya Sanjeevani Plan (Other Benefits)

Modern treatments available
50% cumulative bonus
30 days pre-hospitalisation

Arogya Sanjeevani Plan (Eligibility Criteria)

Entry age- 5 years
Max entry age- 65 years
SI- 5 L
Waiting period- 30 days

Why Choose Care Health Insurance?

Versatile and affordable health insurance plans for every need
24X7 customer support for easy claim settlement
Over 24800 network hospitals all over India
Offers comprehensive coverage at affordable premiums
Tax benefits under Section 80D of the Income Tax Act

Why Choose Care Health Insurance?

Care Health Insurance is known for its products that have shown remarkable change in the insurance world. They have significantly designed each of their product for everyone. There are several reasons why you should buy Care Health Insurance plans. Let us read below-

Comprehensive Health Insurance Plans
Care Health insurance strives to provide the best plans with wider coverage. You can get in-patient expenses, pre-post hospitalization, domiciliary hospitalization, and whatnot. Even they cover AYUSH treatments as well.
Affordable Premiums
Care Health plans provide extensive coverage for everyone in your family at extensive premiums starting at Rs 21 a day.
Catering 360-Degree Requirements
Customize your Care Health Insurance plans as per your needs and requirements. As everyone has different preferences, Care Health provides an array of health plan options, from which you can get to choose from a number of available options.
Complete Family Coverage
Their Health plans for family allow you to protect your family from unnecessary hospital expenses. There is a plan that says, Senior Citizen health insurance, which provides a sum insured up to Rs 6 crores. So, now you can pick a plan that is suitable for you and your family.
Wide Network of Hospitals
With a wide network of more than 24800+ cashless healthcare providers, Care Health makes sure that you will get extensive care when in need. Hence, just pay your premiums to the insurance company and they will take care of the bills when there is a need.
Hassle-Free Claim Procedure
With the introduction of both offline and online claim filing options, Care Health makes the claim process extremely easy. This shows how much they care about your time thus they make sure and try their best to settle the claim within 6 hours that too without a lot of paperwork.
Efficient Customer Care Support
Many questions arise when we are going to buy something. The same is true with health insurance. But no need to worry, the very supportive guides at Care Health and PolicyX are there to help you. You can call us anytime and get your queries resolved.
Add-On Benefits
Care health insurance makes sure that its customers receive the best quality medical facilities. Along with the standard range of policy offerings, they have complemented the policies with many add-on perks with their products, such as,
- Instant cover
- Air-ambulance cover
- Claim Shield
- Co-payment waiver for senior citizens
- Annual Health Check-up
- Reduction in the PED waiting period
- No claim bonus super

What is Covered?

Pre and Post Hospitalization Expenses

Care Health Insurance understands the impact of rising medical expenses, thus they have made sure that their insurance products contain pre and post-hospitalization expenses related to in-patient hospitalization.

AYUSH Treatments

Most Care Health Insurance plans have in-built alternative treatment covers that you can utilize to your benefit. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.

Hospitalization Expenses

Care health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.

Day Care Treatments

Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the Care health insurance plans are designed to cover daycare procedures for policyholders.

Domiciliary Hospitalization

On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. Care health insurance plans cover domiciliary hospitalization up to specified sub-limits.

What is not Covered?

Self Inflicted Injuries

Care health policies will not cover injuries or hospitalization caused by self-harm.

Cosmetic Procedures

Care Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.

Adventure Sports

Care Health Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.

Obesity or Weight Control Treatments

Care Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.

Involvement In Illegal Activities

Care health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.

What Are The Different Waiting Periods In Care Health Insurance Plans?

The various waiting periods associated with Care Health plans are:

Initial Waiting Period

Begins from the date of purchase and lasts for up to 30 days for most Care Health Insurance plans.

Pre-existing Disease Waiting Period

Care Health Insurance plans require you to serve specific waiting periods in case you are diagnosed with PEDs such as hypertension, diabetes, or any other.

Survival Period

Like waiting periods, Care health insurance plans with critical illness coverage have a survival period. During this period policyholders diagnosed with any listed critical illness must outlive the survival period to enjoy coverage benefits.

Choose Care Health Insurance Coverage of Your Choice

5 L

Health Insurance

10 L

Health Insurance

15 L

Health Insurance

20 L

Health Insurance

30 L

Health Insurance

50 L

Health Insurance

1 Cr

Health Insurance

Care Health Insurance Network Hospital List

Care Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

Care Health Insurance Plans Buying Process

If you are looking forward to purchasing Care Health insurance online follow the simple steps below:

Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
Step 2
Click on 'Get free quotes' and compare Care Health Insurance Plans as per your needs.
Step 3
Select and pay premiums online for the purchased Care health insurance plan of your choice.
Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Care Health Insurance plan.

Factors to Consider While Buying Care Health Insurance

Choosing the best health plan involves proper planning. You need to consider various factors before investing in the right medical coverage. Study the scheme for the following advantages to understand and compare the best medical insurance in India.

Verify Eligibility
Health Policies come up with different entry age restrictions. In Care Health, the entry age is 91 days on a floater basis.
Ensure the Maximum Coverage
Check out the coverage your health insurance is providing. Like Care Health provides pre and post-hospitalization expenses, diagnosis expenses, and annual health checkups.
Look for Affordable Premiums
Keep a note of the premiums that you need to pay. Care Health provides a digital portal where you can calculate the premiums.
Check for the Exclusions
You need to check for the exclusion list before choosing the health care policy. There are certain conditions under which you cannot make the claim.
Understand the Co-Payment Clause
It is advised to check the co-payment clause before you invest in the insurance.
Select Wide Cashless Network Hospital
Check for the network hospitals the insurance providers are offering. Ensure the number of reputated cashless hospitals they have on the list.
Bid for Higher Claim Settlement Ratio
The claim settlement ratio is the company's face value. The higher the claim settlement ratio, the higher the company's value. Care Health Insurance promises the highest claim settlement ratio of 100%.

Why Choose the Online Procedure to Buy Care Mediclaim Policy?

Choosing an online platform is the easiest way to save time and effort in this digitally-equipped world. There are many reasons why you should opt for the online procedure-

Convenient Policy Selection
You can schedule unlimited appointments with the experts to understand the policy details. You can study, compare, choose, and make payments for your insurance anywhere on the online portal.
Chat Options for Queries
The team of Care Health Insurance and PolicyX is always available for all your queries concerning the terms and conditions of the policies. With the live chat options, you can discuss any policy-related matter at your convenience.
Instant Premium Quote Calculations
You will get the digital premium calculator to help you elevate your premiums and opt for customized healthcare insurance for you and your family members.
Secure Payment Modes
The policy portal of Care Health Insurance offers various digitally secure payment modes, such as credit/debit cards or net banking. You will receive authentic policy documents immediately after completing the payment. This way you can get an instant mediclaim policy in less than an hour.
Transparent Policy Evaluation
Care Health promises a transparent policy evaluation process. All the terms and conditions are ready for your reference.
Readily Available Value-Added Services
You can check out other add-on benefits while browsing mediclaim policies. These include OPD care, a co-payment waiver, and a reduced wait time for pre-existing diseases, among others, to cover all the needs.

Care Health Insurance Renewal Process

Follow the steps for Care Health Insurance policy renewal

Step 1
Visit the official website of Care Health Insurance Company
Step 2
Click on the ‘Renew’ tab
Step 3
Mention your ‘Policy Number’ and ‘Date Of Birth’

Connect with our insurance experts for Care health insurance policy renewal at 1800-4200-269

Care Health Insurance Plan Claim Process Steps

You can file for cashless as well as reimbursement claims for your Care Health Insurance Plans by following these easy steps:

Step 1
Visit the website of Care Health Insurance, and select the "Claim" option. Then click on the "Claim Intimation" to check out the form.
Step 2
Now select "health claim" and require the information which is the policy number, date of birth, and other details they ask for.
Step 3
Now select the "claim type", whether you want to opt for a cashless claim or reimbursement. Click on the authorize and you will receive the OTP on the verified number.
Step 4
Get verified with the OTP and fill in the required hospital admission information, select the hospital, and fill in the hospital details in case of a non-network hospital.
Step 5
Upload the documents asked and click on the "review" button.
Step 6
After clicking on the review button you need to submit the intimation for the company to review. You will receive a claim intimation number which you need to note down for future purposes.

Documents Required For Care Health Policy Claim Settlement

Submit the following documents when filing for Care health claims:

Duly completed and signed claim form, in original
Valid photo-ID proof
Medical practitioner's referral letter and prescription
Original bills, receipts, and discharge cards from the hospital/medical practitioner
Original bills from pharmacy/chemists
Original pathological/diagnostic tests reports/radiology reports and payment receipts
Indoor case papers
First Information Report, final police report, if applicable
Post-mortem report, if conducted
Any other document as required by the company to assess the claim

How To Port To Care Health Insurance?

To port your existing policy to Care Health Insurance, follow the steps mentioned below:

Step 1
Fill out the portability form, and send the application to Star Health Insurance Company 45 days before the date of your existing health plan renewal.
Step 2
As per the guidelines of IRDAI, the new insurance company will cross-check your medical and claims history from the previous insurer within 7 days of receiving the portability form.
Step 3
Once the policyholder's details are verified, the new insurance company has to communicate its decision - either approval or rejection - within 15 days.

Health Insurance Premium Calculator

PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.

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More Queries?

If you have any more queries regarding Plans, Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269 now!

Explore Care Health Insurance

Care Health Insurance (Formerly Known As Religare Health Insurance): FAQs

1. How soon do I get the claim money from Care Health Insurance?

Care Health Insurance has an in-house claims team that processes cashless claims within 2 hours.

2. Can I get global coverage under the Care health plan?

Yes, it is possible to get global coverage under the Care Global variant of the Care Plan.

3. What is the intimation period in Care Health Plans to apply for reimbursement claims in case of emergency hospitalization?

24 hours. You need to inform the company within 24 hours of the hospitalization in case of an emergency.

4. How soon can I file a claim to avail reimbursement under the Care Health Insurance?

You need to file a claim within 15 days after getting discharged from the hospital.

5. How to track my Care Health Insurance claim status?

You can track the claim status online by visiting the official website and filling out the relevant details. Once you submit the details, the screen will show you the current status of your cashless or reimbursement claim.

6. What is the maximum age limit of the Care Mediclaim Policy?

There is no upper age limit.

7. What is the minimum entry age for the Care health insurance?

The minimum entry age is 91 days.

8. Can I take a health insurance policy for my 5-year-old kid?

Yes, you can take health insurance plans for 5-year-old kids by adding them to family floater plan.

9. How can I increase the sum insured for my health insurance?

You can increase the sum insured at the time of policy renewal.

10. Why Buy Care Health Insurance plans?

Care Health Insurance offers comprehensive health insurance plans for you and your family members. Individuals can customize their sum insured, features, and add-ons. With a hassle-free claim settlement process, Care Health stands out from the rest of the insurers in the market.

11. What is the ICR for Care Health Insurance FY 2023-24?

According to the annual report released by IRDAI, the ICR for Care Health Insurance for FY 2023-24 is 57.69%.

12. What are some new Care Health Insurance plans launched in 2025?

Ultimate Care is the latest insurance plan launched by Care Health Insurance in January 2025. The plan offers ground-breaking features like an infinity bonus, unlimited e-consultations, a money-back feature to stay healthy, and more.

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Explore other Care Health Insurance

Care Group Health Insurance (Pros)

Care Group Health Insurance (Cons)

Care Group Health Insurance (Other Benefits)

Care Group Health Insurance (Eligibility Criteria)

Care Ultimate Care Plan (Pros)

Care Ultimate Care Plan (Cons)

Care Ultimate Care Plan (Other Benefits)

Care Ultimate Care Plan (Eligibility Criteria)

Care Heart Plan (Pros)

Care Heart Plan (Cons)

Care Heart Plan (Other Benefits)

Care Heart Plan (Eligibility Criteria)

Care Plus Plan (Pros)

Care Plus Plan (Cons)

Care Plus Plan (Other Benefits)

Care Plus Plan (Eligibility Criteria)

Care Classic (Pros)

Care Classic (Cons)

Care Classic (Other Benefits)

Care Classic (Eligibility Criteria)

Care Enhance Plan (Pros)

Care Enhance Plan (Cons)

Care Enhance Plan (Other Benefits)

Care Enhance Plan (Eligibility Criteria)

Care Joy Plan (Pros)

Care Joy Plan (Cons)

Care Joy Plan (Other Benefits)

Care Joy Plan (Eligibility Criteria)

Care Plan (Pros)

Care Plan (Cons)

Care Plan (Other Benefits)

Care Plan (Eligibility Criteria)

Care Senior (Pros)

Care Senior (Cons)

Care Senior (Other Benefits)

Care Senior (Eligibility Criteria)

Care Critical Mediclaim (Pros)

Care Critical Mediclaim (Cons)