Care Health Insurance

Care Health Insurance
PX step

Get Quotes From Top Insurers

1

2

Name
Cover For
D.O.B (eldest member)

1

2

Phone No.
City

By proceeding you are accepting our T&C and privacy policy

About Care Health Insurance (Formerly known as Religare Health Insurance)

Care Health Insurance Company was founded in the year 2012 and is headquartered in Gurgaon, Haryana. The company is a joint venture between Religare Enterprise Private Ltd., Union Bank of India, and Corporation Bank. Care health insurance has been adjudged as one of the best health insurance company in India. The organization offers a vast range of health care plans, which makes the company an obvious choice for protecting self, family, and senior citizens under it.

Highlights of Care Health Insurance company

Claim Settlement Ratio93%
Network Hospitals7800+

Table Data updated on 19-10-2020

Care Health Insurance Highlight

1. Care Health Insurance Plan

Care Health Insurance Plan is a new-age comprehensive health insurance policy that ensures the safety of the policyholder and family against financial risks arising out of a medical emergency.

Benefits and features

  • The policy provides a wide range of coverage up to Rs.6 Crore
  • It also reimburses ambulance expenses.
  • It offers up to 100% no claim bonus to the policyholders if they don't claim the policy.
  • Daycare treatments for over 540+ procedures are covered.

Eligibility

Entry Age91 days upwards; no maximum entry age
RenewabilityLifetime

Table Data updated on 19-10-2020

2. Care Freedom: An Ideal Plan for Diabetics

Care freedom plan is specially designed to provide healthcare protection to patients suffering from diabetes and high blood pressure. It offers coverage against the expenses that the patient bears during the treatment like the cost of medicines, health check-ups, etc.

Benefits and Features

  • Under this plan, the annual health check-up can be upgraded to either Diabetes Health Checkup or Cardiac Health Check-Up.
  • The plan covers ambulance service charges for an emergency visit to the hospital.
  • You can avail of tax benefits on the paid premiums under the Income Tax Act, 1961.

Eligibility

Plan 1Plan 2
Entry Age - MinimumIndividual: 18 years
Child: 90 days
Individual:46 years
Floater: Eldest Insured Person:46 years, Other Adult: 18 years, Child: 90 days
Proposer's Age18 years or above
Sum Insured (SI)Rs.3 & 5 LakhsRs.7 Lacs & 10 Lakhs

Table Data updated on 19-10-2020

3. Care Heart Insurance Plan

Care Heart Insurance Plan is suitable for individuals who suffer from pre-existing cardiac ailments and have undergone cardiac surgery. The plan also provides coverage for pre-existing heart ailments.

Benefits and Features

  • 10% increase in SI per policy year (up to 50% of SI) in case of a claim-free year.
  • Any expenses that were incurred from the alternative medical treatment such as AYUSH are also covered under the policy.
  • Pre and post-hospitalisation expenses (30 & 60 days) are covered under the policy.

Eligibility

Entry Age18 years to no maximum entry age
RenewabilityLifetime
Policy Tenure1/2/3 years
Sum InsuredRs.3 Lakhs to 10 Lakhs

Table Data updated on 19-10-2020

4. Care Joy Health Insurance Plan

Care Joy Health Insurance Plan is a maternity-focused insurance plan, which bears the expenses of the insured in case of pregnancy and maternity needs.

Benefits and Features

  • Pre and post-hospitalization expenses (up to 30 and 60 days respectively) are covered under the plan.
  • It offers free coverage to the newborn baby for up to 90 days from the birth date.
  • A 15 days free look-up period is provided to understand and cancel (if required) the policy.

Eligibility

Plan NameJoy TodayJoy Tomorrow
Entry Age – MinimumAdult: 18 years or above
Child: 1 Day to 24 years
Entry Age – Maximum45 years
Sum Insured – On annual basisRs.3 Lakhs / 5 Lakhs

Table Data updated on 19-10-2020

5. Care Enhance Health Insurance Plan

Care Enhance Health Top-up Plan offers extra safety net coverage to the basic health insurance plan. The policyholder can also choose the deductible along with the desired sum insured during emergency health conditions.

Features and Benefits

  • It offers a flexible choice of deductible with a wide range of sum insured options to the policyholder, which is subject to maximum Rs. 55 lakhs.
  • Insured is not required to appear for a pre-policy medical check-up (for deductible amount and sum insured amount) less than 40 lakhs, till the age of 50 years.
  • The plan takes care of organ donor expenses.

Eligibility

Sum InsuredUp to Rs.30 lakhs
Daycare TreatmentYes

Table Data updated on 19-10-2020

6. Care Senior Health Insurance Plan

Care Senior is a comprehensive health insurance plan designed to protect the senior citizens and fund all their medical illnesses in the second innings of life, i.e. above 61 years of age.

Benefits and Features

  • It offers a 10% increase in the SI/policy year (maximum 50% of SI) in the case of every claim-free year.
  • The plan offers organ donor coverage (up to Rs. 1 lakh), depending on the SI.
  • 541 daycare treatments are covered, which require less than 24 hours of hospitalisation.

Eligibility

Policy Tenure1/2/3 years
Sum InsuredRs.3 Lakhs-10 Lakhs

Table Data updated on 19-10-2020

7. Care Advantage Health Insurance

Care Advantage Health Insurance offers the sum insured of Rs. 1 Crore, which helps the policyholder to get wider coverage and benefits.

Benefits and Features

  • The plan provides automatic recharge of sum insured (once in a year).
  • For every claim-free year, the plan offers a 10% increase in the sum insured (maximum increase limit is 50%).
  • The plan also offers coverage for the expenses incurred 30 days before the hospitalization and 60 days post-hospitalization.

Eligibility

Entry AgeMinimum: Adult – 5 years and Child 91 days (floater policy)
Maximum: Lifelong
Policy Term1/2/3 years

Table Data updated on 19-10-2020

8. Arogya Sanjeevani Health Insurance

Arogya Sanjeevani Health Insurance is a comprehensive plan that offers flexibility to the policyholder to choose between Ayurvedic or Allopathic treatments.

Benefits and Features

  • The plan provides coverage for road ambulance expenses (Rs. 2,000 per hospitalisation).
  • Pre and post-hospitalisation expenses are also covered up to 30 and 60 days respectively.
  • The policyholder is also eligible to get coverage for cataract expenses (up to 25% of the sum insured or Rs. 40,000 per eye, whichever is lower).

Eligibility

Entry AgeMinimum: Individual: 5 years, Floater: 3 months with at least 1 member of age 18 years or above
Maximum: Child: 24 years. Adult: 65 years
RenewabilityAdult: Lifetime
Dependent Child: 25 years
Sum InsuredRs.5 Lakhs

Table Data updated on 19-10-2020

9. Cancer Mediclaim

Care Cancer Mediclaim offers coverage to the insured irrespective of the stage and type of cancer.

Benefits and Features

  • The plan reimburses the ambulance expenses (up to Rs.3000/hospitalisation).
  • If not satisfied with the medicines or treatment, this plan allows the policyholder to go for the International second opinion.
  • The plan also offers organ donor cover up to SI or Rs. 15 Lakh, whichever is lower.

Eligibility

Entry Age5 years to 50 years
Policy Term1/2/3 years
Sum InsuredRs. 25 Lakhs/ Rs.50 Lakhs/ Rs. 1 Crore/ Rs. 2 Crore

Table Data updated on 19-10-2020

10. Critical Mediclaim

Critical Mediclaim is an affordable health insurance plan specifically designed to cover 32 listed critical illnesses.

Benefits and Features

  • The plan offers coverage for chemotherapy and radiotherapy treatments.
  • AYUSH treatments are also covered (up to 25% of SI) under the plan.
  • The policyholder has an option to avail of a second opinion for his/her covered illness once in a policy year.

Eligibility

Entry Age5 years to 50 years
Premium Payment ModeSingle/monthly/quarterly
Sum InsuredRs. 10 Lakhs/ Rs.25 Lakhs/ Rs. 50 Lakhs/ Rs. 1 Crore/Rs.2 Crore

Table Data updated on 19-10-2020

How To Buy Care Health Insurance?

For purchasing Care Health Insurance, one has two options. Either buy from the company's website or PolicyX.com. Let us discuss both the processes in detail:

From Company's Website

  • Visit the official website of Care Health. Enter your mobile number, email address, and click on 'Get Quote'.
  • Fill in all the details such as name, number, age, gender, etc.
  • Once done, the page will show you the most suitable plan and premium amount as per your requirements.
  • Pay the premium online, and you will receive a soft copy of the policy document in your registered email id.

From PolicyX.com

  • On top of this page, fill your details in 'Calculate Care Health Insurance Premium Now'.
  • Click on the 'Continue' option.
  • You will be redirected to the quotes page, where you can check the quotes of Care Health insurance plans.
  • Select a suitable plan and click on the 'Buy' option.
  • Make the payment and you will receive a soft copy of the policy document on your registered email id.

What Is the Claim Process of Care Health Insurance?

Care Health Insurance works in a very transparent and systematic manner to clear claims. Here is the process-

Case 1: Cashless Claim Procedures

  • In the case of an emergency or planned hospitalisation, intimate the insurer within 24 hours or 48 hours of hospitalisation.
  • The nominee of the policy has to fill and submit the pre-authorisation request form to the hospital's insurance/TPA desk.
  • The hospital will then send all the documents to the company for verification.
  • After reviewing all your documents, the claim management team will send an approval letter to the hospital.
  • The hospital will proceed with the cashless treatment of the insured member.

Note: If the cashless claim is rejected, the insured member can initiate the treatment and file for a reimbursement claim after discharge.

Case 2: Reimbursement Claim Procedures

In the case of an emergency or planned hospitalisation, intimate the insurer within 24 or 48 hours of the hospitalisation.

The insured has to submit the duly filled reimbursement claim form to the insurer along with the required supporting documents such as:

  • Duly completed and signed claim form, in original
  • Valid photo-id proof
  • Medical practitioner's referral letter advising hospitalization
  • Medical practitioner's prescription advising drugs/diagnostic tests/consultation
  • Original bills, receipts, and discharge card 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

The company will check and review the documents.

If the claim is approved, the company will transfer funds to your registered bank account.

Note- Submit the documents to the below-mentioned address-

Care Health Insurance Limited(formerly known as Religare Health Insurance Company Limited), Unit No. 604 - 607, 6th Floor, Tower C, Unitech Cyber Park, Sector-39, Gurugram-122001 (Haryana).

How To Contact Care Health Insurance?

For any queries related to Care Health Insurance plans, please contact at the following:

Customer Helpline Number: 1800-102-6655/1800-102-4488 (Toll-free)

Email: customerfirst@careinsurance.com

FAQs

Yes, Care Health-Customer App is available on the Play & App Store.

Yes, one can buy multiple health insurance policies. If the cost of your treatment exceeds the sum insured of one policy, you can claim the balance from the second policy.

Yes, the policy offers a 30 days grace period to renew your policy.

Page updated on 19-10-2020