Care Health Insurance
  • Learn About Care Health Insurance
  • Explore the Benefits Offered
  • Understand the Claim Process

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Care Health Insurance (Formerly Known As Religare Health Insurance)

Care is a comprehensive health insurance policy that safeguards you & your family against financial risks that occur because of a medical emergency. With this effective Religare Care health insurance plan, one can deal with all expenses during a medical emergency. This plan takes care of all the hassles associated with your treatment so that you can stay worry-free and focus on recovering. The plan not only offers financial support from the starting until the end of your treatment but also makes sure that you get quality treatment.

It offers a wide range of amazing benefits that helps you in dealing with all unwanted medical emergencies and their expenses. It has valuable benefits such as Day-care Procedures, Domiciliary Hospitalization, Donor Expenses for Organ Transplantation, Coverage for Newborn Baby, and so on. With this plan, you can ensure getting the best medical treatment in India and overseas and can solely focus on your recovery without worrying about the expenses.

Read on to explore everything about this plan:

Benefits of Care Health Plan (Formerly Known As Religare Health Plan)

  1. No Upper Age Limit of Enrollment

    Care Health Insurance comes with no upper age limit of enrollment, i.e. even if a person is 100 years old, they can apply.

  2. In-Patient Hospitalization-(Hospitalization for at least 24 hours)

    If the insured gets admitted to the hospital for in-patient care, for a minimum period of 24 consecutive hours, the plan will pay for all expenses associated with room charges, nursing expenses and intensive care unit charges, surgeon's fee, doctor's fee, anesthesia, blood, oxygen, operation theater charges, etc.

  3. Hospitalization less than 24 Hours (Day Care Treatment)

    The plan covers all medical expenses if the insured goes for daycare treatment that does not ask for hospitalization for 24 hours or more. It covers around 540+ daycare procedures.

  4. Automatic Recharge of Sum Insured

    To keep your worries associated with medical emergencies away, the Care Health Plan comes with the benefit of automatic recharge of the sum assured. Under this, if you run out of your health coverage because of the claims made, the plan will reinstate the entire sum insured by the policy.

  5. Maternity Cover

    The plan covers the maternity expenses (normal and Caesarean delivery), for those who have opted for the sum insured of Rs. 50 Lakhs or above.

  6. No-Claim Bonus

    For every claimless year, the plan will offer a bonus to the insured. It will be in the form of an increase in the Sum Insured by 10%, up to a maximum of 50% in consecutive 5 years.

  7. Reassurance of the Second Opinion

    The company believes that sometimes reassurance works better than the cure. The moment you feel uncertain about your diagnosis, you can go for a second opinion which will be specially arranged by the company at no cost to you.

  8. Lifelong Renewability

    The plan wants to provide lifetime assistance to the policyholders, and that is why it provides a lifelong renewablity option.

Add-On Covers of Care Health Plan

To meet your specific healthcare needs, the plan comes with 14 additional covers that can be added to your standard health plan by paying the additional premium amount. Here is the list of all the add-on benefits offered:

  1. Air Ambulance Cover

    At times it is possible that the cure for your illness is not in the city you stay in, or your preferred doctor is out of town. To tackle such situations, you can buy this add-on cover under which the plan will pay off your ambulance expenses.

  2. Discount Connect & E-Consultation

    With this add-on, you can avail of up to 30% Discount in Top Hospitals for Consultations, Pathology & Radiology Tests, up to 10% Discount on Apollo Pharmacy Outlets, and up to 20% Discount on Dental Consultations and Procedures. Not just this, you can also opt for an online consultation via voice and video call modes.

  3. Smart Glucometer Kit

    With this add-on, one can buy the glucometer kit at up to 50% off.

  4. Co-Payment Waiver

    If the eldest member is 61 years or above, you can get rid of the 20% co-payment with this add-on cover.

  5. Daily Allowance

    At the time of hospitalization, the family members have to face many miscellaneous expenses other than hospitalization expenses. To meet these expenses, one can add a 'Daily Allowance add-on' to their policy that will pay a lump-sum amount for each day of hospitalization.

  6. Everyday Care

    This add-on covers the doctor's consultation expenses up to 2% of the sum insured.

  7. Global Coverage

    In case you feel the need to get treated at an overseas facility, you can buy this add-on. This add-on cover offers Global Coverage that too on a cashless basis with a wide list of network hospitals.

  8. International Second Opinion

    With this add-on cover, you get the option to consult doctors and take a second opinion.

  9. No Claim Bonus Super

    By choosing this optional cover, you can easily increase the sum insured amount by 50 percent for every claim-free year up to a maximum of 100 percent. So, in total with both NCB & NCB Super one can increase their sum insured up to 150% in 5 years.

  10. Care Shield

    With this add-on, you can avail of three benefits, that are, Claim Shield, No Claim Bonus Shield & Inflation Shield.

  11. Unlimited Automatic Recharge

    With this add-on to the cover, you will never run out of coverage, because by selecting this cover, whenever your coverage is exhausted, the company will reinstate the amount.

  12. OPD Care

    Through this optional cover, a policyholder can claim an amount equivalent to their bills provided at the time of reimbursement.

  13. Reduction in PED Period

    Choosing this add-on cover will reduce the waiting period of 48 months for Claims related to Pre-existing diseases to 24 months.

  14. Covid Care

    As the name itself suggests, with this add-on, one can cover their expenses incurred during the treatment of Coronavirus.

Eligibility Criteria of Care Health Plan

Minimum Entry Age 91 days
Maximum Entry Age No age bar
Sum Insured Options (In Rs.) 5 Lakhs, 7 Lakhs, 10 Lakhs, 15 Lakhs, 20 Lakhs, 25 Lakhs, 30 Lakhs, 40 Lakhs, 50 Lakhs, 60 Lakhs, 70 Lakhs, 75 Lakhs, 1 Crore, 2 Crore, 3 Crore, 6 Crore
Renewal Lifelong Renewability
Initial Waiting period 30 days
Waiting period for pre-existing illnesses Four years
Grace period 30 days from the date of expiry

**Last Updated on 06-04-2021

Sample Illustration of Care Health Plan

To give you a brief idea of how much premium amount you need to pay for your health plan, we at have given below the sample illustration with different age groups and different sum-insured options. From the below tables, you will get an idea of how the premium varies when you choose different coverage options at different ages. Have a look:

Premium Amount for a Family of two (Husband: 30 years, Wife: 25 years)

Sum Insured
Options (in Rs.)
10 Lakhs 15 Lakhs 25 Lakhs 50 Lakhs 75 Lakhs 1 Crore 3 Crore 6 Crore
Premium Amount (in Rs.) 12,435 18,402 20,022 41,838 72,367 95,171 1,49,399 1,96,874

**Last Updated on 06-04-2021

Premium Amount of Care Health Plan for Husband & Wife (30 years & 25 years) with Different Sum Insured Options

Premium Amount of Care Health Plan for 2 Adults with different sum insured Options

Premium Amount for a Family of three (Husband: 40 years, Wife: 35 years & Son: 6 years)

Sum Insured
Options (in Rs.)
10 Lakhs 15 Lakhs 25 Lakhs 50 Lakhs 75 Lakhs 1 Crore 3 Crore 6 Crore
Amount (in Rs.)
21,308 28,354 33,140 79,131 1,14,787 1,49,126 2,16,249 2,87,572

**Last Updated on 06-04-2021

Premium Amount of Care Health Plan for Husband, Wife & their kid (40 years, 35 years & 6 years) with Different Sum Insured Options.

Premium Amount of Care Health Plan 2 adults & 1 kid with different sum insured Options

What Does a Care Health Plan Cover?

Go through the below table to get an insight into all the expenses that are covered by the plan. Have a look:

Sum Insured Options
(in Rs.)
5, 7, 10 Lakhs 15, 20, 25, 30, 40 Lakhs 50, 60, 70, 75 Lakhs 1, 2, 3, 6 Crore
Pre-HospitalizationCovered, up to 30 days
Post-HospitalizationCovered, up to 60 days
Ambulance Cover Rs. 2,000/Hospitalization Rs. 2,500/Hospitalization Rs. 3,000/Hospitalization Rs. 3,000/Hospitalization
Day Care TreatmentCovered 540+ treatments
Room Rent Single Private Room Single Private Room
(upgradable to next level)
Single Private Room
(upgradable to next level)
Single Private Room
(upgradable to next level)
ICU Charges No Sub-Limit No Limit No Limit ---
Domiciliary Hospitalization Up to 10% of SI
Organ Donor Cover Rs. 1,00,000 Rs. 2,00,000 Rs. 3,00,000 Rs. 5,00,000

**Last Updated on 06-04-2021

What is Not Covered In Care Health Plan?

  • Expenses attributable to self-inflicted injury resulting from suicide, attempted suicide.
  • Hospitalization due to overdosage of drugs or alcohol.
  • Congenital disease.
  • Tests and treatments relating to infertility and in vitro fertilization.
  • Hospitalization incurred due to wars, riots, strikes, nuclear weapons.

How To Buy a Care Health Plan (Formerly Known As Religare Health Plan)?

Buying a Care Health Plan is a simple 6 step procedure. Just follow the below steps and buy your policy now.

Step 1: Visit the official website of Care Health Insurance company. From the menu bar on the top, click on the 'Health Insurance' and then from the drop-down menu, select 'Care Plan'.

Step 2: On the right side of your screen, fill in your contact information and click on Get Quotes.

Step 3: Once done, your next step is to fill in your further details, such as your name, age, pin-code, and then click 'Next'.

Step 4: On the next screen, the page will show you the premium payable. You can select the sum insured of your choice from the slide bar. You can also select the add-on as per your needs and requirements.

Step 5: Once done, pay the premium online, and once the payment is confirmed, the company will send you the policy documents at your registered e-mail address.

What Is The Claim Process Of Care Health Plan (Formerly Known As Religare Health Plan)?

The claim process of Care is very convenient and user-friendly. The company does carry a good claim settlement ratio of 92.3% and assists customers with its effective claim assistance. The company carry two options to choose from for the claim settlement- Cashless & Reimbursement

Claim Process for availing Cashless Facility -

Step 1: Intimation of Claim

  • Inform the company within 24 hours of your admission in case of emergency hospitalization, and 48 hours before planned hospitalization.

Step 2: Initiate the process for Pre-Authorization

  • Collect and fill the Pre-Authorization form available from the hospital's Insurance/TPA desk, or you can alternatively download the same from the company's official website. The hospital authority will then submit the form to the company.

Step 3: Processing a request for Pre-Authorization

  • Once your documents are reviewed by the company's in-house medical team, the company will submit the documents back to the hospital. If your request is approved by the company, you and the hospital will be informed.

Reimbursement of treatment expenses

Step 1: Intimation of Claim

  • Inform the company within 24 hours of your admission in case of emergency hospitalization, and 48 hours before planned hospitalization. Mention the below details during claim intimation:
    • Policy Holder's Name
    • Claimant's Name & Customer ID
    • Hospital details
    • Diagnosis and Treatment details
    • Approximate claim amount
    • Date of admission

Step 2: Initiate the Claim process

Download the claim form from the company's website. Fill up the form, and along with the below-mentioned documents submit them to the company at:

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).

  • 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

Step 3: Claim Processing and Reimbursement

  • The in-house medical team will review the case and documents submitted by you, and if approved, will reimburse the expenses.

Care Health Insurance Plans (Formerly Known As Religare Health Insurance)

Care Health Important Links


Yes, there is an option to buy the same for the family as well. Under which you have to pay a single premium for all members of your family.

Yes, the company do cover pre-existing disease under this plan. For the same, you have to wait until the waiting period. After that only you will be liable for the cover.

No, this plan does not cover the Congenital diseases.

You may be required to undergo a medical check-up after you buy, in case any member to be insured is above 45 age or for sum insured Rs. 15 Lakhs or above.

You can apply for Care Health Insurance under portability with the following documents:

  • CARE proposal form
  • Portability form
  • Copy of expiring health insurance policy
  • Copy of renewal notice

The company offer a free look period to review policy terms and conditions. In case you are not satisfied with the policy, you you can request for cancellation of your policy during this period. You will be refunded the premium amount as per the short scale grid. The grid is available in your Policy Terms and Conditions.

Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.1/5 (52 Total Rating)

August 16, 2021

Ram Dulari


Very nice company. I am very happy and fully satisfied with its services. God bless us all. 5 star to the whole team... WELL-DONE

August 16, 2021



Religare Health Insurance is a nice company. and the way helps its customers in understanding the process is commendable. I am very much impressed.

August 6, 2021

Manish Singhal


PolicyX helps me to find the best suitable plan for me and my family. They have a very professional salesperson and also I am very much happy with the service of Religare Health.

August 6, 2021

Sapna Khurana


One of the best health insurance company I have ever come across. Thank you for assisting me at every step. I must say the team of PolicyX is very patient and hard-working. Thanks once again

August 6, 2021

Raj Kumar


Received my reimbursement claim amount within a span of 8 days. Thank you for helping me out in choosing such a great company. Keep up the good work Religare

Last updated on 06-04-2021

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