About Care Health Insurance (Formerly Known As Religare Health Insurance)
Care Health Insurance (Formerly Known As Religare Health Insurance) is a specialized health insurance company in India. It is a direct subsidiary of Religare Enterprises Limited. The insurer offers quality-driven products
related to Family health plans, Critical Illness, Personal Accident, Super Top-up, Maternity insurance along with Micro insurance products for the rural areas. Besides, it provides various wellness services to its customers.
The standalone health insurer has been awarded "Best Health Insurance Company of the Year 2023" and has settled more than 30 lakhs claims. Care Health Insurance has a wide network of 20800+ cashless hospitals across the nation. The
insurer has an impressive CSR of 100% for FY 2021-22 showcasing immense brand reliability.
The company has achieved many awards and accolades in the last few years. Some of them are mentioned below:
Best Health Insurance Company at the ABP News-BFSI Awards 2015
Best Health Insurance Company at the Emerging Asia Insurance Awards, 2019
Best Claims Service Provider of the Year - Insurance India Summit & Awards 2018.
Editor's Choice Award for Best Product Innovation at Finnoviti in 2013
Best Medical/Health Insurance Product Award at the FICCI Healthcare Excellence Awards in 2015, 2018 and 2019.
Care Health Insurance Plan Detailed Review
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Key Features of Care Health Insurance Company (Formerly Known As Religare Health Insurance)
Care Insurance provides a comprehensive range of health insurance policies to meet the diverse healthcare needs of our customers. Care insurance also offers an in-house app that is a one-stop solution for all your
policy concerns. Take a look at some other key features of the care medical insurance:
Network Hospitals: Care medical insurance offers quality cashless treatment in more than 20800+ leading network hospitals across the country.
Solvency Ratio: When choosing an insurance company for you and your family, the solvency ratio is one of the most important factors to consider because it shows the company's ability to meet its long-term financial
obligations. According to the IRDAI, It is mandatory to maintain the Solvency Ratio of 1.5. Care medical insurance currently has a Solvency Ratio of 1.81.
Market Share: Market share means the total number of policies that are sold by an insurance company and the premiums collected. As per the IRDAI Annual Report 2021-22, the Annual Gross Premium of Care Health
Insurance is 3,880.91 crores.
Claim Support Ratio: Claim Support is one of the most important factors to consider when choosing an insurance company because it shows the insurer's ability to settle claims. Care Health Insurance has a claim
settlement ratio of 100% which shows the company is reliable and cares about its customers.
No. of Branches: Care health insurance has more than 158 branches across India if the policyholders have any policy or claim-related queries then the customers can quickly visit the nearest branch of the company.
All You Need To Know About Care Health Insurance? Find complete details in one go!
Care health insurance offers comprehensive health insurance policies designed to fulfill the health requirements of individuals and families. The list of care plans offered by
the care health insurance is given below:
Care Health Insurance Individual & Family Floater Plans
A unique healthcare plan offering extensive coverage to individuals and families under a single plan with affordable premiums.
Unlimited Automatic Restoration
Avail Up to 30% Discounts
Care Supreme Plan (Pros)
Day Care Treatments
Organ Donor Cover
Care Supreme Plan (Cons)
Change of Gender Treatments
Obesity Treatment Unavailable
Hazardous Activity Not Covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Care Supreme Plan (Other Benefits)
30% Renewal Discount
Unlimited E - Consultation
Nutrition and Fitness Coaching
Care Supreme Plan (Eligibility Criteria)
Entry Age - 90 Days
Max Entry Age - No age limit
SI - 5 L to 15 L
Waiting Period - 30 Days
Benefits of Care Health Insurance Plans
There are multiple benefits involved when investing in Care health insurance plans which are listed down below:
High Sum Insured Care medical Insurance offers a wide range of health insurance plans that provide insurance holders with high-sum insured options ranging between INR 25L to 6 Cr. Policyholders can customize
their plans and avail sum insured according to their own requirements.
24x7 Customer Support Care Health Insurance Policy comes with an efficient customer support system provided by the insurer. Individuals can avail of claim support, and resolve queries related to their
policy at any given point.
Customizable Plans Care Insurance offers their customers health plans that can be customized according to their requirements, the insurance holders can opt for base cover and select optional covers such
as critical illness cover, hospital cash, and more.
Awards and Achievements Care health insurance Policy is one of the most trusted names in the insurance industry, and has earned numerous honors for its customer service and insurance products.
Multiple Category of Insurance Care Insurance covers senior citizens, offers global coverage for students, critical illnesses insurance, and group health insurance.
Care Health Insurance (Formerly Known As Religare Health Insurance) Network Hospital List
Care Health Insurance promises a wide Network of cashless Hospitals across India. A well connected network of over 20800+ cashless hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you
There are multiple advantages that are associated with Care insurance plans if you select the right one suitable for you and your family's needs. The insurance provider is selected by many across the nation and we have mentioned the
top 5 reasons below
Specialized health insurer Care Health Insurance offers a unique combination of health plans that fit every budget and sync in with every healthcare need. Care is a specialized health insurer that ensures
to look after all the healthcare needs of its customers.
In-house claim settlement team With Care Health, you don't have to engage with TPAs, as the company offers hassle-free in-house claim settlement which will save your time & energy.
In-house mobile app to address all policy concerns For queries like renewal, claim settlement or any policy-related concern, you can turn to the company's mobile app, and resolve all your queries in one
20800+ Care Health network hospitals With a wide network of empanelled hospitals, Care Health Insurance allows you to easily
avail cashless hospitalization facility.
Offers 10% renewal discount Every time you renew your Care insurance policy, you will get a renewal discount of up to 10 %.
Care Health Insurance (Formerly Known As Religare Health Insurance) Add-on Covers
Care Health Insurance plans offer several additional covers that can be brought along with the standard health plan. These rodes help to enhance the coverage and allow the policyholder to customize their plan as per their needs & requirements.
These add-on covers vary from plan to plan. However, to give you an insight into the add-on covers available, we have mentioned a few of these. Take a look:
No Claim Bonus Super: Care Health Insurance offers a 50 per cent increase in the sum insured for every claim-free year. The benefit can be availed up to a maximum of 100 per cent.
International Second Opinion: With this add-on, you can avail free international second opinion, and can be double sure before going for treatment.
Unlimited Automatic Recharge: This Care Health Insurance add-on cover gives the flexibility to recharge your sum insured an unlimited number of times, whenever it gets exhausted.
Everyday Care: This add-on cover pays 1% of the Sum Insured for each medical consultation and diagnostic test.
Coverage for Air Ambulances: This add-on insurance offers adequate coverage for treatments that are not available in your city.
Care Health Insurance (Formerly Known As Religare Health Insurance) Exclusions List
Know some of the conditions which are generally not included under Care Health Insurance.
Expenses attributable to self-inflicted injury resulting from suicide or attempted suicide
Sexually transmitted diseases like AIDS
Expenses attributable to alcohol or drug abuse
Medical issues caused due to war or similar conditions
Care Health Insurance (Formerly Known As Religare Health Insurance) Buying Process
You can buy Care health insurance plans from the brand's official website as well as through PolicyX.com. We have shared both processes below:
Buy from the Company
Visit the official website of the company and click on the 'Buy Now' tab.
Fill in all the necessary details.
Choose a plan and make the payment.
The insurer will send the policy documents to your registered email address.
Care Health Insurance (Formerly Known As Religare Health Insurance) Claim Process
Care Health insurance provides two options for claim settlement i.e. Cashless Claim and Reimbursement Claim. The processes are explained below:
Cashless Claim Process
Intimate hospital within 48 hours of hospitalization in case of planned hospitalization (24 hours in case of emergency).
Fill and submit the pre-authorization request form to the hospital's insurance/TPA desk.
The hospital will then send all the documents to the company for verification.
After document verification, the claim management team will send an approval letter to the hospital.
The hospital will proceed with the cashless treatment of the insured member.
*If the cashless claim is rejected, you can initiate the treatment and file for a reimbursement claim after discharge.
Reimbursement Claim Process
Intimate the company within 48 hours of hospitalization (24 hours in case of emergency).
Submit the claim form along with relevant documents.
Claim management team will verify the form and the documents.
Claim management team will send the approval letter.
Insurance company will reimburse the claim amount within 15 days.
Documents Required for Reimbursement Claim
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 Contact Care Health Insurance (Formerly Known As Religare Health Insurance)?
For any queries related to Care Health Insurance plans, you can contact the company through the following details:
Care Health Insurance Limited (formerly known as Religare Health Insurance Company Limited), 5th Floor, 19, Chawla House, Nehru Place, New Delhi-110019
You can also reach out to the Care Health insurance customer care through whatsapp, mobile app, and chatbot.
Care Health Insurance (Formerly Known As Religare Health Insurance): FAQ's
1. How quick is the cashless claim approval process of Religare?
Care health insurance (formerly Religare) has an in-house claims team that processes cashless claims within 2 hours.
2. How can I request a claim for Religare health plan?
You can inform Care health insurance about a claim either by calling on their toll-free number 1800 102 4488 or by sending an intimation mail at firstname.lastname@example.org. You need to inform the company within 48
hours of planned hospitalization and 24 hours of emergency hospitalization.
3. Can I get global coverage under Care health plans?
Yes, you can get global coverage under the Care Global variant of Care Plan.
4. What is the intimation period in Care health plans to apply for reimbursement claims in case of emergency hospitalization?
You need to inform the company within 24 hours of hospitalization in case of an emergency.
5. How soon a policyholder is required to file a claim to avail reimbursement under a Care Health Insurance?
For reimbursement purposes, the policyholder needs to file a claim within 15 days of discharge from the hospital.
6. How can I track my Care Health Insurance claim status?
You can easily track the claim status online. Visit the official website of Care Health Insurance and fill in the relevant details. Once done, the page will show you the current status of your cashless or reimbursement claim.
7. What is the max age limit of Care Mediclaim policy?
There is no upper age limit of buying Care Medicalaim Policy
8. What is the min age limit of Care Mediclaim policy?
The min age limit of buying Care Medicalaim Policy is 61 years.
9. What is the waiting period of Care Health Insurance Care Plan?
The waiting period of Care Health Insurance Care Plan is 30 days.
10. What is the claim settlement ratio of Care Health Insurance ?
The Claim Settlement Ratio of Care Health Insurance is 92.90.
11. Can a policyholder add or remove member in the current Care Medicare Health Insurance Policy ?
No, you cannot add or remove member in the current Care Medicare Health Insurance Policy. It can be done at the time of renewal.