Care Health Insurance

With an extraordinary 100% claim settlement ratio for the last 3 years, Care Health Insurance is hard to miss for policyholders! They offer customer-centric coverage for personal accidents, critical illnesses, maternity & so on. Care Health Insurance is hugely popular among today's consumers, thanks to its assorted health plans backed up by 24x7 customer support.

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Care Health Insurance
premium

Network hospitals

22900+

premium

Claim settlement ratio

100%

premium

Sum insured

1 CR

premium

No. of Plans

13

premium

Solvency Ratio

1.81

premium

Pan India Presence

-

Recognized By carePolicyX.com is a Recognised Care Partner View Certificate

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

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PolicyX Exclusive Benefits

Buy Policy in just 2 mins

Buy Policy in just 2 mins

With expert guidance from advisors

Happy Customers

2 lakh + Happy Customers

Real-time reviews on Google

Free Comparison

Free Comparison

Find the best policy for you

Care Health Insurance
premium

Network hospitals

22900+

premium

Claim settlement ratio

100%

premium

Sum insured

1 CR

premium

No. of Plans

13

premium

Solvency Ratio

1.81

premium

Pan India Presence

-

Recognized By carePolicyX.com is a Recognised Care Partner View Certificate

Overview of Care Health Insurance

Care Health Insurance formerly known as Religare Health is now offered by Care Health Insurance Limited. Originally, 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 has been working to create products that will take care of your finances when it comes to 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.

What Does Care Health Insurance Do?

Care 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.

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Care Health Insurance Plan Detailed Review

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Care Health Insurance Explained

Some Interesting Facts about Care Health Insurance

  • The claim settlement ratio of Care Health Insurance is 100% as per the guidelines published by IRDAI.
  • The Care Supreme Health Insurance Plan is an exclusive plan for individuals and families.
  • You can avail cashless claim services to over 22900+ cashless healthcare providers.

Some of the Awards and Achievements

In only a few years in the market, Care Health Insurance has achieved a huge number of awards. Let us have a look at some of them-

  • 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 at the Economic Times Insurance Summit and Awards 2022.
  • Best Health Insurance Product and Best Health Insurance Agents awards at the Insurance Alertss Awards 2021.
  • Best Health Insurance Products Award at FICCI Healthcare Excellence Awards 2019.

A Quick Outlook

Cashless Claim Settlement Within 6 hours
Minimum Entry Age91 days
Maximum Entry AgeNo Limit
Sum InsuredUpto 1 Crore
Network Hospital22900+
Tax BenefitsUpto 1 Lakh
Solvency Ratio (2021-22)1.81 %
Claim Settlement Ratio (2021-22)100 %
Ambulance ExpensesCovered
Coverage for AccidentsYes

Care Health Insurance Plans

Care Health Insurance offers some of India's best health insurance plans which are designed to meet our demands of medical needs. To cater to different needs, Care segregated its plans into different types:

  1. Individual Health Cover

    Individual Health Cover, as the name suggests, this type of coverage provides protection for one person. If you are a young individual with no medical conditions, this healthcare coverage is for you. This individual health insurance policy assures the entire sum insured only for covering your medical expenses.

  2. Family Floater Health Plans

    As the name suggests family floater health insurance provides coverage to the 5 members of your family against a single sum insured. You can add multiple nominees to this kind of plan and the premium amount is extremely low as the sum insured is shared among all the members under the plan.

  3. Senior Citizen Health Cover

    You might have heard that there are no insurance options for senior citizens. But. this is not true, Care's senior citizen health insurance plans offer specialized healthcare services for those who are 60 years and above. This health insurance for senior citizens offers financial assistance to you at an early age or to your parents. Gift them a healthy and peaceful life after retirement.

  4. Maternity Insurance Plans

    Care health insurance understands the importance of motherhood and the complications related to the childbirth procedure. Therefore, they provide a sound medical policy that covers the best hospitals for your pregnancy-related expenses. Maternity insurance makes sure that you get premium medical facilities at a very affordable rate for mother and child. So, it is suggested to buy maternity insurance before getting married so that you can complete the waiting period and make the most out of your coverage.

  5. Insurance for Pre-Existing Diseases

    Pre-existing diseases are the diseases, that are there when you are buying the insurance. Care health insurance provides insurance for pre-existing diseases as well with a reduced waiting period. These healthcare plans have diverse features like daycare treatments, home care, annual health check-ups, and much more.

  6. Critical Illness Plans

    Diseases like cancer, stroke, heart ailments, and similar diseases can take away all your savings in medical treatments. Care medical insurance for critical conditions covers the treatment of the diseases. You can use this saved insurance money for the treatment or any other related requirements.

Comprehensive

A comprehensive health plan for individual and family with SI of 3 lacs to 6 Cr. with global coverage.

Unique Benefits

  • In-built maternity cover
  • No upper age limit for enrollment
  • Coverage for modern treatments

Comprehensive

A plan designed to provide coverage for the high expenses occurred from major surgeries and procedures.

Unique Benefits

  • Life Long Coverage
  • Flexible Tenure Options
  • Surgical Procedure Cover

Care Operation Insurance Plan (Pros)

  • Annual Health Checkup
  • Second Opinion Cover
  • Lifetime Renewability
  • Day Care Treatment
  • Road Ambulance Cover

Care Operation Insurance Plan (Cons)

  • No C- Section Cover
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Operation Insurance Plan (Other Benefits)

  • Organ Donor Cover
  • ICU Cover
  • In Patient Cover
  • Modern Treatment
  • No Claim Bonus

Care Operation Insurance Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

Flexible

A flexible health plan that covers advanced technology methods, unlimited e-consultations and personal accidents.

Unique Benefits

  • 200% increase in cumulative bonus
  • Rewards for being fit
  • Dental and Ophthalmic cover

Care Plus (Pros)

  • Unlimited Recharge Benefit
  • High Sum Insured
  • Cover up to 6 family members
  • Up to 200% No Claim Bonus
  • 10% renewal discount

Care Plus (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Plus (Other Benefits)

  • 5% Digital Discounts
  • Annual health check-up
  • Unlimited e-consultations
  • Health Services Available
  • Air Ambulance Cover

Care Plus (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - Lifelong
  • SI - 3 L to 25 L
  • Waiting Period - 30 Days

Comprehensive

A comprehensive family floater plan that decides your policy premium based on the living cost of the city you reside in.

Unique Benefits

  • Covers IVF treatment
  • Compassionate travel coverage
  • Unlimited e-consultation

Care Classic (Pros)

  • Zone-Based Health Insurance
  • Family Floater Plan
  • Affordable Plan
  • High Sum Insured
  • Value Added Services

Care Classic (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Classic (Other Benefits)

  • Unlimited e-consultations
  • Annual Health Check-up
  • Wellness Services
  • OPD care
  • ENT Consultations

Care Classic (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 5 L to 15 L
  • Waiting Period - 30 Days

Affordable

Enjoy the advantage of 1 crore cover and multiple benefits at lower monthly premiums with this affordable individual & family floater plan.

Unique Benefits

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

Care Advantage (Pros)

  • Automatic Recharge
  • High SI
  • 50% No Claim Bonus
  • Ambulance Cover
  • Optional Cover Available

Care Advantage (Cons)

  • 20% Co-pay
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Advantage (Other Benefits)

  • 5 L Air Ambulance Cover
  • Reduction in PED Waiting period
  • Co-pay Waiver
  • Annual Health Check-up
  • Room rent modification

Care Advantage (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - Lifelong
  • SI - 25 L to 6 Cr
  • Waiting Period - 30 Days

Maternity

A maternity health insurance plan with child cover. This plan protects individuals and families during medical emergencies.

Unique Benefits

  • 100% increase in SI as NCB
  • Newborn Cover
  • 541 day care treatments covered

Care Joy (Pros)

  • 2 Plan Variants
  • Maternity Plan
  • New Born Baby Cover
  • Day Care Treatment
  • Modern Treatment Cover

Care Joy (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Joy (Other Benefits)

  • Long term discount
  • Congenital Disease Cover
  • 100% increase in SI
  • Ambulance Cover
  • Lifelong Renewability

Care Joy (Eligibility Criteria)

  • Entry Age - 1 Day
  • Max Entry Age - 65 Years
  • SI - 3 L/5 L
  • Waiting Period - 30 Days

Standard

A standard comprehensive plan mandated by IRDAI that offers coverage for both Ayurvedic or Allopathic treatments.

Unique Benefits

  • AYUSH Treatment
  • Pre and Post hospitalization
  • 5% cumulative bonus

Care Arogya Sanjeevani (Pros)

  • Affordable Premium
  • Lifelong Renewability
  • Tax Benefits
  • Ambulance Expenses Cover
  • Cataract Treatment Cover

Care Arogya Sanjeevani (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Arogya Sanjeevani (Other Benefits)

  • Modern Treatments Available
  • 50% Cumulative Bonus
  • 30 Days Pre Hospitalization
  • 60 Days Post Hospitalization
  • COVID-19 Cover

Care Arogya Sanjeevani (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 5 L
  • Waiting Period - 30 Days

Diabetes & BP

Get medical coverage for pre-existing diseases like BP, diabetes without any waiting period by bearing a co-pay of 20-30%.

Unique Benefits

  • No pre-policy checkup needed
  • Dialysis cover available
  • Annual Health Checkup

Care Freedom (Pros)

  • Cashless Healthcare
  • No pre-policy check-ups
  • SI Recharge
  • Lifelong Renewability
  • 15-day free-look period

Care Freedom (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Freedom (Other Benefits)

  • 2 Plan variants
  • Consumable Allowance
  • Annual Health Check-up
  • Long Term Discounts
  • Dialysis Cover

Care Freedom (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - Lifelong
  • SI - 3 to 10 L
  • Waiting Period - 30 Days

Heart Diseases

Individuals with pre-existing cardiac diseases can get coverage against medical treatments by paying 20-30% of co-payment for every claim.

Unique Benefits

  • Cardiac Health Checkup
  • Second medical Opinion
  • Automatic SI Restoration

Care Heart (Pros)

  • Lifelong Cover
  • Domiciliary Hospitalization
  • Cardiac Check-up
  • Ambulance Expenses
  • No claim bonus

Care Heart (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Heart (Other Benefits)

  • OPD Care
  • Home Care
  • International 2nd Opinion
  • Automatic Recharge
  • High SI

Care Heart (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age limit
  • SI - 3 to 10 L
  • Waiting Period - 30 Days

Cancer Care

Care Cancer Mediclaim

Offers lifelong coverage against cancer and the cost of its treatment with several other benefits.

Unique Benefits

  • Annual Health Checkup
  • Chemo and radiotherapy cover
  • Air Ambulance Cover

Care Cancer Mediclaim (Pros)

  • Chemo & Radio Therapy
  • Organ Donor Cover
  • Annual Health Check-up
  • Covers all major cancer
  • Lifelong Renewability

Care Cancer Mediclaim (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Cancer Mediclaim (Other Benefits)

  • International Second Opinion
  • Doctor On Call
  • Air Ambulance Cover
  • Quick Recovery Counseling
  • OPD Cover

Care Cancer Mediclaim (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 50 Years
  • SI - 10 L to 2 Cr
  • Waiting Period - 30 Days

Top-Up Plan

A super top-up health insurance plan to provide extra medical cover on the basis of policy deductible principle.

Unique Benefits

  • Covers modern treatment
  • Flexible options of deductible
  • No pre-policy medical test

Care Enhance (Pros)

  • Annual Health Check-up
  • Family floater option
  • Pre & Post Hospitalization
  • Inpatient care
  • Day Care Treatments

Care Enhance (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Enhance (Other Benefits)

  • High Sum Insured
  • Organ Donor Expenses
  • Expert Opinion Cover
  • Cashless Treatment
  • Long Term Policy

Care Enhance (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - No age limit
  • SI - 1 L to 55 L
  • Waiting Period - 30 Days

Senior Citizen Plan

Comprehensive health plan for people above 60 to make their second inning stress-free from health-related financial worries.

Unique Benefits

  • No pre-policy Medical Checkup
  • Lifelong Renewability
  • Automatic SI Recharge

Care Senior Citizen (Pros)

  • No pre-policy check-up
  • Annual Health Check-up
  • 540+ Day Care Treatments
  • EMI premium options
  • Discounts Available

Care Senior Citizen (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Senior Citizen (Other Benefits)

  • Organ Donor Cover
  • Second Opinion Available
  • Affordable Premiums
  • Covid-19 Treatment
  • Ambulance Cover

Care Senior Citizen (Eligibility Criteria)

  • Entry Age - 61 Years
  • Max Entry Age - No age limit
  • SI - 3 L to 10 L
  • Waiting Period - 30 Days

Critical Illness Plan

Offers coverage against 32 critical illnesses that are pre-defined under the policy such as catastrophic burns, coma, etc.

Unique Benefits

  • Psychiatric Counselling
  • Dialysis Cover
  • Organ Donor Cover

Care Critical illness (Pros)

  • Dialyses Cover
  • Organ Donor Cover
  • Psychiatric Counseling
  • 32 Critical Illness Covered
  • Day Care Treatment

Care Critical illness (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Critical illness (Other Benefits)

  • Ambulance Cover
  • Annual Health Check-up
  • Global Cover
  • OPD Cover
  • Doctor On Call

Care Critical illness (Eligibility Criteria)

  • Entry Age - 61 Years
  • Max Entry Age - No age limit
  • SI - 3 L to 10 L
  • Waiting Period - 30 Days

Supreme Plan

A unique healthcare plan offering extensive coverage to individuals and families under a single plan with affordable premiums.

Unique Features

  • Unlimited E-consultations
  • Unlimited Automatic Restoration
  • Avail Up to 30% Discounts

Care Supreme Plan (Pros)

  • Day Care Treatments
  • No Sub-Limits
  • Emergency Ambulance
  • No-Claim Bonus
  • 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)

  • Unlimited Recharge
  • 30% Renewal Discount
  • Unlimited E - Consultation
  • Wellness Benefits
  • 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

Why Choose Care Health Insurance?

A specialized health insurance in India, Care Health 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 a number of reasons why you should go for Care Health Insurance. 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 actually provides extensive coverage for everyone in your family at extensive premiums starting at Rs 21 a day.
  • Catering 360-Degree Requirements

    With Care Health Insurance you can customize your insurance 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 22900 cashless healthcare providers with 9747+ network hospitals 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 ass-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
Highlight of Care Health Insurance

Know What is Covered- Inclusion

In-Patient Hospitalization

Your room rent, ICU charges, doctor's fees, and other in-patient service charges during any planned or emergency hospitalization will be covered.

Coronavirus Treatment

Recently we learned that the treatment for COVID-19 is very costly, but Care Health covers it all. From hospitalization to medical expenses, your own insurance will be there to support you.

Pre-Hospitalization Medical Expenses

Care Health covers your medical expenses incurred prior to hospitalization such as doctor's consultations, medical tests, and medication up to 60 days before the admission to the hospital

Post Hospitalization Medical Expenses

Post-hospitalization medical expenses such as follow-up visits and medical tests can be taken care of by your health insurance company up to 180 days immediately after getting discharged from the hospital.

Advanced Medical Treatment

Having health insurance allows you to access advanced medical care. It covers a modern set of treatments like robotic surgeries, chemotherapies, and much more.

Daily Allowance

Hospitalization and medical procedures are tough and might restrain you from going to work and earning money. Therefore, Care health providers came up with this plan, which provides a fixed amount to cover further expenses.

Domiciliary Hospitalization

It becomes really difficult to manage a lifestyle when we become old. Having health insurance can make the rest of your life easy when you are not able to take care of yourself. Domiciliary hospitalization covered by Care Health Insurance offers expenses to ensure uninterrupted medical coverage as per terms.

AYUSH Treatments

With the Care Health Insurance cover, you can treat your ailments with a combination of modern and traditional methods of treatment.

What is not Covered?- Exclusions

Self-inflicted injuries like suicide.

Any disease, surgery, or medical events, occurring within 30 days of the policy start date.

Diseases or expenses happening due to overdose on alcohol or drugs.

Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion, and its consequences.

Tests related to infertility and in vitro fertilization.

Hospitalization related to war, riots, strikes, nuclear weapons.

Waiting Period in Care Health Insurance

When you buy a policy, your coverage does not start immediately after the issuance. There is a time frame that you need to complete before the coverage of this policy begins. This time period is called the waiting period in Care Health Insurance. At this time you cannot claim the money. The range and time period of the waiting period depend on various factors like policy, coverage, and types of diseases.

Let us check out some of the types of waiting periods:

  • Initial Waiting Period

    The time period in the initial waiting period starts immediately after you get the policy. Most of the time it is 30 days from the date you get the policy.
  • Waiting Period for Pre-Existing Diseases (PED)

    For pre-existing diseases such as diabetes and hypertension, a longer waiting period of 2 to 4 years is initiated. During this time, you cannot claim your hospitalization or treatment expenditure.
  • Waiting Period for Maternity Cover

    The waiting period for maternity cover is between 9 to 12 months from the date you bought the policy.

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 the 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 settle 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.

Benefits of Purchasing Health Insurance at an Early Age

Although, there are no specific age criteria for buying health insurance plans. But buying insurance at an early age is highly beneficial. Read below to get to know why buying health insurance at an early age is beneficial.

Benefits of Purchasing at an Early Age

Your premiums will be less at an early age.

Benefits of Purchasing at an Early Age

At an early age, a continuous cover with renewals will help you to go out with the waiting period.

Benefits of Purchasing at an Early Age

No medical test is required if you purchase health insurance at an early age.

Benefits of Purchasing at an Early Age

You can avail a no-claim bonus for every claim-free year.

Benefits of Purchasing at an Early Age

You do not need to share your medical bills as the co-payment is not applicable in this case.

How to Renew Health Insurance Policy?

As the term policy ends, you need to renew it in order to continue the uninterrupted healthcare coverage and added advantages. Follow these steps to renew the insurance-

  • Visit the official Care Health website for health insurance policy renewal.
  • Go to the renew section.
  • Give your complete details, such as policy number, contact number, and much more.
  • Check the payment section and make the payment for the renewal premium through any secure payment mode.

Or
You can directly call the helpline number and let them do the work.

How to Claim?

These are the steps you need to know for filing your claim. Filing a care health insurance claim will become very easy if you choose the best and easiest way. That is why we have jotted down the steps you should follow to file a claim.

Care Health Insurance offers 2 methods of claim settlement- Cashless Claim settlement, and Reimbursement claim settlement. Let us discuss each one by one.

  • Cashless In-House Claim Settlement

    Care Health follows one of the best claim settlement processes. In this process, you can directly reach out to the company for your health insurance claim settlement. This is a cashless process, in which the payment is directly made to the network hospital.
  • Reimbursement Claim Settlement

    In this claim settlement process, you can pay the amount after taking the healthcare services, and the insurance company will pay you later when you file for the claim settlement. Check out the Steps you can follow for Care Health claim settlement.

Steps

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.

Claim Process

Once you submit the claim intimation, the company will start their work of verification. They might assign a field doctor if required for this process. After completing the verification process, you will get the claim immediately.

Documents required while filing the 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 Calculate the Premiums?

You can calculate your health insurance premiums online at Policyx. This Care Health premium calculator is a tool that is designed to enable some potential buyers to estimate the premiums that they need to pay.

Care Plan

30 years2 Adult2 Adult+1 Child2 Adult+2 ChildAverage Premium (INR)
5L9,89512,33216,27512,835
10L12,43516,44615,45314,778

Care Senior Citizen

65 years2 Adult1 AdultAverage Premium (INR)
5L29,09518,17723,636
10L41,26525,82833,547

Care Critical illness

30 years1 Adult2 Adult2 Adult+1 ChildAverage Premium (INR)
10L1,1982,3652,9862,183
25L2,4714,8805,8154,389

Care Health Top-Up Plans

If you think, your current health insurance coverage is not sufficient to meet your healthcare needs, then you can opt for a Care Health Insurance Super Top-Up plan to provide supplement your coverage.

There are two super top-up plans for care health, those are-

  • Care Health Enhance Top-up plan 1 which covers you with 1 lakh to 30 lakhs of sum insured.
  • Care Health Enhance Top-up plan 2 which covers you with 1 lakh to 55 lakhs of sum insured.

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 22900+ cashless hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in

Why Buy Care Health Insurance (Formerly Known As Religare Health Insurance) Plans from PolicyX?

PolicyX is a reliable source to buy health insurance policies. Well, we are here to answer why PolicyX.com is the best option to buy a care health insurance policy.

  • IRDAI Approved: PolicyX.com is an IRDAI approved web aggregator that helps consumers in comparing, choosing, and buying policies online.
  • Free Comparison Service: PolicyX.com provides a single platform where you can compare different insurance companies, insurance plans, and their premiums.
  • Compare 15 companies in 30 sec: Consumers can compare up to 15 companies in just 30 sec on PolicyX.com.
  • Buy Insurance within 5mins: PolicyX offers a simple and quick buying process where consumers can buy insurance in less than 5mins.
  • 24x7 Customer Service: PolicyX is always with their customers as we offer 24x7 customer care service.
  • Free Future Claim Assistance: PolicyX is always there to help and assist your claim under any term insurance company.
Why Choose PolicyX.Com

End Note-Contact Details

Care Health a dedicated insurance company that works 24*7 for customer case support. They make sure to resolve all the customer queries, no matter what time. For a branch-wise contact detail, you can read more about Care Health Insurance Customer Care.

Care Health Insurance Limited (formerly known as Religare Health Insurance Company Limited), 5th Floor, 19, Chawla House, Nehru Place, New Delhi-110019

customerfirst@careinsurance.com

1800-102-6655/1800-102-4488 (Toll-free)

Care Health Insurance (Formerly Known As Religare Health Insurance): FAQ's

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. How can I request a claim from Care Health Insurance Plan?

You can call directly on the toll-free number 1800 102 4488 or you can send an intimation mail at customerfirst@religarehealthinsurance.com. 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 the Care health plan?

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

4. 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.

5. 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.

6. 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.

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

There is no upper age limit.

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

The minimum entry age is 91 days.

9. 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.

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

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

Other Health Insurance Companies

Compare Care health plans with other top insurers in India.

Read Reviews & Ratings

Customer Review Image

Mohit Sharma

Agra

1 days ago

I purchased a health insurance policy from Care Insurance Company and applied for my first claim after 3 years. PolicyX helped me through all the processes.

Customer Review Image

Rohan Mehra

Delhi

1 days ago

I purchased Care health insurance one year ago from PolicyX and forgot to renew it. But, the team called right before renewal and not only reminded me but also helped me renew the policy. I am ...

Customer Review Image

Shefali Singh

Chandigarh

1 days ago

Getting a health insurance plan for my family was on my to-do list. PolicyX guided me with the best plan of Care Supreme that will cover me and my family.

Customer Review Image

Ritesh Dholakia

Cuttack

February 16, 2024

My wife and I had met with an accident a few days back. Thank God, we had health coverage of Care Health which we had bought a few months back on PolicyX’s executives’ suggestions. ...

Customer Review Image

Sanyam Srivastava

Patna

February 16, 2024

I was suffering from kidney disease, due to which I needed a transplant. My Care Critical Illness plan covered all the costs. And PolicyX helped me to settle all the claims.

Customer Review Image

Ambrish Purohit

Kochi

February 16, 2024

Thank you PolicyX team for helping me get reimbursement for the Care Health Insurance Policy for my OPD treatment

Customer Review Image

Urvashi Singhi

Mumbai

February 16, 2024

I’m a single mother of a child and she is suffering from epilepsy disease. PolicyX’s team suggested buying a Care Plus health plan under which my child is getting treated without sp...

Customer Review Image

Sahil Rattan

Delhi

February 14, 2024

I have health insurance coverage provided to me by my employer. However, I was on the lookout for top-up health insurance which was made easy by PolicyX when they suggested me Care Super Top-Up...

View All Care Health Insurance Reviews

Simran Saxena

Written By: Simran Saxena

An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.