Network hospitals
20800+
Claim settlement ratio
100%
Sum insured
1 CR
No. of Plans
13
Solvency Ratio
1.81
Pan India Presence
-
PolicyX.com is a Recognised Care Partner View Certificate
Network hospitals
20800+
Claim settlement ratio
100%
Sum insured
1 CR
No. of Plans
13
Solvency Ratio
1.81
Pan India Presence
-
PolicyX.com is a Recognised Care Partner View Certificate
Single health insurance to cover all family members.
Care health insurance plan is a comprehensive medical policy for individuals and families. It is an ideal plan for those who want a higher sum insured option to secure their present and future from medical expenses. Care medical policy from Care Health Insurance company has got you covered for all modern-day healthcare needs.
Care Health Insurance Plan Detailed Review
Care Plan offers medical coverage to you and your family at the time of medical emergency. To know more about the care health insurance "care plan", take a look at the below-mentioned specifications and its eligibility.
Sum Insured
Care Plan: 3 Lakhs to 75 lakhs, Care Plan (Global): 1 Crore - 6 Crores
Plan Type
Individual and Family Floater
Entry Age
Min: Individual: 5 Years, Floater: 91 days + 1 Adult insured Max: No age Limit
Initial Waiting Period*
30 Days
Policy Term
1,2,3 Years
Renewability
Lifelong
Care plan high sum insured option that varies on care plan variant i.e. care plan and care plan global. Below-mentioned are the coverage options that you and your family will get under the care plan.
In-patient & Out-patient Coverage
Room Rent
Up to 1% of SI per day
ICU Charges
Up to 2% of SI per day
Pre-Hospitalization
Covered up to 30 days
Post-Hospitalization
Covered up to 60 days
Domiciliary Hospitalization
Up to 10% of SI
Daycare Treatment
Covered
OPD Charges
Covered under a rider
Coverage Terms
COVID-19 Treatment
Covered under a Rider
Cataract
Not Covered
No Claim Bonus
Available under a Rider
Automatic Restoration
Available under a Rider
Daily Hospital Cash
Available under a Rider
Organ Donor
Covered up to 50K
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covers Robotic Surgery, etc.
Emergency Coverage
Ambulance
Covered up to 1.5K per hospitalization
Air Ambulance
Available under a rider
Compassionate Travel
Not available
Global Coverage
Not Covered
Wellness Programmes
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Covered under a rider
Vaccination
COVID-19 Vaccination Covered
Limitations
Co-payment
20% of the claim amount
Sub-limits
Not applicable
In-patient & Out-patient Coverage
Room Rent
Single Private room
ICU Charges
Covered up to SI
Pre-Hospitalization
Covered up to 30 days
Post-Hospitalization
Covered up to 60 days
Domiciliary Hospitalization
Up to 10% of SI
Daycare Treatment
Covered
OPD Charges
Covered under a rider
Coverage Terms
COVID-19 Treatment
Covered under a Rider
Cataract
Not Covered
No Claim Bonus
Available under a Rider
Automatic Restoration
Available under a Rider
Daily Hospital Cash
Available under a Rider
Organ Donor
Covered up to 1 lakh
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covers Robotic Surgery, etc.
Emergency Coverage
Ambulance
Covered up to 2K per hospitalization
Air Ambulance
Available under a rider
Compassionate Travel
Not available
Global Coverage
Not Covered
Wellness Programmes
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Covered under a rider
Vaccination
COVID-19 Vaccination Covered
Limitations
Co-payment
20% of the claim amount
Sub-limits
Not applicable
In-patient & Out-patient Coverage
Room Rent
Single Private room (upgradable to next Level)
ICU Charges
Covered up to SI
Pre-Hospitalization
Covered up to 30 days
Post-Hospitalization
Covered up to 60 days
Domiciliary Hospitalization
Up to 10% of SI
Daycare Treatment
Covered
OPD Charges
Covered under a rider
Coverage Terms
COVID-19 Treatment
Covered under a Rider
Cataract
Not Covered
No Claim Bonus
Available under a Rider
Automatic Restoration
Available under a Rider
Daily Hospital Cash
Available under a Rider
Organ Donor
Covered up to 2 lakhs
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covers Robotic Surgery, etc.
Emergency Coverage
Ambulance
Covered up to 2.5K per hospitalization
Air Ambulance
Available under a rider
Compassionate Travel
Not available
Global Coverage
Not Covered
Wellness Programmes
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Covered under a rider
Vaccination
COVID-19 Vaccination Covered
Limitations
Co-payment
20% of the claim amount
Sub-limits
Not applicable
In-patient & Out-patient Coverage
Room Rent
Single Private room (upgradable to next Level)
ICU Charges
Covered up to SI
Pre-Hospitalization
Covered up to 30 days
Post-Hospitalization
Covered up to 60 days
Domiciliary Hospitalization
Up to 10% of SI
Daycare Treatment
Covered
OPD Charges
Covered under a rider
Coverage Terms
COVID-19 Treatment
Covered under a Rider
Cataract
Not Covered
No Claim Bonus
Available under a Rider
Automatic Restoration
Available under a Rider
Daily Hospital Cash
Available under a Rider
Organ Donor
Covered up to 3 lakhs
Maternity Cover
Covered up to 1 Lakh
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covers Robotic Surgery, etc.
Emergency Coverage
Ambulance
Covered up to 3K per hospitalization
Air Ambulance
Available under a rider
Compassionate Travel
Not available
Global Coverage
Available
Wellness Programmes
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Covered under a rider
Vaccination
COVID-19 Vaccination Covered
Limitations
Co-payment
20% of the claim amount
Sub-limits
Not applicable
In-patient & Out-patient Coverage
Room Rent
Single Private room (upgradable to next Level)
ICU Charges
Covered up to SI
Pre-Hospitalization
Covered up to 30 days
Post-Hospitalization
Covered up to 60 days
Domiciliary Hospitalization
Up to 10% of SI
Daycare Treatment
Covered
OPD Charges
Covered under a rider
Coverage Terms
COVID-19 Treatment
Covered under a Rider
Cataract
Not Covered
No Claim Bonus
Available under a Rider
Automatic Restoration
Up to SI (once a year)
Daily Hospital Cash
Available under a Rider
Organ Donor
Covered up to 5 lakhs
Maternity Cover
Covered up to 2 Lakhs*
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covers Robotic Surgery, etc.
Emergency Coverage
Ambulance
Covered up to 3K per hospitalization
Air Ambulance
Available under a rider
Compassionate Travel
Not available
Global Coverage
Available
Wellness Programmes
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Covered under a rider
Vaccination
COVID-19 Vaccination Covered
Limitations
Co-payment
20% of the claim amount
Sub-limits
Not applicable
Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Coverage status under Care Plan?
Under this plan, the room rent coverage is offered as per the selected SI amount as mentioned in the table below:
SI Options | 3L - 4L | 5L - 10L | 15L - 40L | 50L - 75L | 1Cr - 6Cr |
Room Rent | Up to 1% of SI per day | Single Private room | Single Private room (upgradable to next Level) | Single Private room (upgradable to next Level) | Single Private room (upgradable to next Level) |
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Care Plan?
Under this plan, ICU charges coverage is based on your selected Sum Insured.
SI Options | 3L - 4L | 5L - 10L | 15L - 40L | 50L - 75L | 1Cr - 6Cr |
ICU Charges | Up to 2% of SI per day | Covered up to SI | Covered up to SI | Covered up to SI | Covered up to SI |
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Care Plan?
This plan covers pre-hospitalization medical expenses for up to 30 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Care Plan?
This plan covers post-hospitalization medical expenses for up to 60 days.
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.
Coverage status under Care Plan?
Under this plan, the domiciliary hospitalization that exceeds 3 days is covered up to 10% of your selected Sum Insured.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Care Plan?
More than 540 day care procedures are covered.
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Care Plan?
OPD charges under this plan are covered under a rider that can be availed of by buying an extra premium.
Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under Care Plan?
COVID-19 treatment cover is available under a rider that can be availed of by paying an extra premium.
A common eye condition in which your vision gets blurred.
Coverage status under Care Plan?
Not covered
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Care Plan?
No-claim bonus under this rider is available under a rider that can be availed of by paying an extra premium.
Automatic restoration is a benefit in which the insurance company restores the total sum insured after it gets fully exhausted in treatments.
Coverage status under Care Plan?
The plan offers automatic restoration under a rider or up to SI amount depending on the selected SI.
SI Options | 3L - 4L | 5L - 10L | 15L - 40L | 50L - 75L | 1Cr - 6Cr |
Automatic Restoration | Available under a Rider | Available under a Rider | Available under a Rider | Available under a Rider | Up to SI (once a year) |
It is a cash amount that you will get each day during the time of hospitalization.
Coverage status under Care Plan?
Available under a rider that can be availed of by paying an extra premium.
Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Care Plan?
Available depending on your selected SI as mentioned in the table below:
SI Options | 3L - 4L | 5L - 10L | 15L - 40L | 50L - 75L | 1Cr - 6Cr |
Organ Donor | Covered up to 50K | Covered up to 1 lakh | Covered up to 2 lakhs | Covered up to 3 lakhs | Covered up to 5 lakhs |
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under Care Plan?
The plan offers a maternity cover of up to 1 lakh for the SI options between 50-75 lakhs.
Maternity cover of up to 2 lakhs is available under Care Global variant after 2 years of waiting period for family floater plan.
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new born cover and these common treatments can vary from plan to plan:
Coverage status under Care Plan?
Newborn baby expenses are not covered under this plan.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Care Plan?
Not Covered
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Care Plan?
Not Covered
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Care Plan?
Modern treatments like robotic surgery, etc. are covered.
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under Care Plan?
This plan covers Ambulance charges according to the selected SI.
SI Options | 3L - 4L | 5L - 10L | 15L - 40L | 50L - 75L | 1Cr - 6Cr |
Ambulance | Covered up to 1.5K per hospitalization | Covered up to 2K per hospitalization | Covered up to 2.5K per hospitalization | Covered up to 3K per hospitalization | Covered up to 3K per hospitalization |
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Care Plan?
Available under a rider that can be availed of by paying an additional premium.
It covers the traveling expenses of the family members of the insured person.
Coverage status under Care Plan?
Not available
It covers any kind of medical/health emergency when you are outside of India.
Coverage status under Care Plan?
Global coverage under this plan is available only for SI amounts of 50 lakhs and above in Care variant and Care global variant under Care Anywhere feature.
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Care Plan?
Not Available
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under Care Plan?
The policy allows health check-ups for all insured members once a year.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.
Coverage status under Care Plan?
Available under a rider that can be availed of by paying an additional premium.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Care Plan?
Coverage for expenses incurred on COVID vaccination is available.
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Status under Care Plan?
20% of co-payment applies to policyholders who are above 60 years of age.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to pay by the policyholder.
Status under Care Plan?
No sub-limits defined
Care Health Insurance promises a wide Network of cashless Hospitals across India. A well connected network of over 19000+ cashless hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in
Permanent Exclusions
Permanent diseases or health conditions that are not included under this plan are:
War-related injuries
Cosmetic or Plastic Surgery
Injuries resulting from a suicide attempt
Injuries resulting from adventurous sports
Hospitalization due to alcohol, and drug abuse
Tests and treatments related to infertility and in vitro fertilization
Coverage after Waiting Period
Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
Pre-Existing Diseases after 48 Months
Assisted Reproductive Treatment after 36 Months
Initial Waiting Period after 30 Days
COVID treatment after 15 Days
To give you an idea about Care Plan premiums, we have shown different sample premiums based on different SI values and the number of members covered. Have a look:
Sum Insured: 5 Lakhs
Age | 1 Adult | 2 Adult | 2 Adult+1 Child | 2 Adult+2 Child |
30 Years | 6620 | 9895 | 12332 | 15453 |
Sum Insured: 20 Lakhs
Age | 1 Adult | 2 Adult | 2 Adult+1 Child | 2 Adult+2 Child |
30 Years | 11854 | 19246 | 23585 | 29047 |
Sum Insured: 50 Lakhs
Age | 1 Adult | 2 Adult | 2 Adult+1 Child | 2 Adult+2 Child |
30 Years | 28029 | 41838 | 51643 | 60542 |
Sum Insured: 1 Crore
Age | 1 Adult | 2 Adult | 2 Adult+1 Child | 2 Adult+2 Child |
30 Years | 50581 | 95171 | 119093 | 149606 |
Care plan offers myriads of optional riders to cover your specific requirements:
COVID Care with OPD
COVID treatment up to 1% of SI
COVID Care
Covers the COVID-19 treatment
No Claim Bonus Super
Offer no claim bonus of 50%
Reduction in PED
Reduces pre-existing waiting period.
OPD Care
Covers the expenses of Doctor Consultations, etc.
Unlimited Automatic Recharge
Sum insured can be recharged unlimited times.
Everyday Care
Covered up to 2% of SI.
Daily allowance
Get cash amount every day during hospitalization.
Global Coverage
Covers the cost of hospitalization outside India.
International Second Opinion
Allows second medical opinion from Global experts.
Air Ambulance cover
Covers the expense of the necessary air ambulance.
Co-payment Waiver
Waive off the 20% co-payment.
Care Shield
Combination of 3 additional benefits in one:
Get COVID treatment with up to 1% of Sum Insured as OPD benefit. Below mentioned are some of the benefits available under this rider:
Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre. Below mentioned are some of the benefits available under this rider:
This rider offers a 50% increment in the sum insured for every claim-free year. This increment can go up to a maximum of 100% of SI per policy. Moreover, it offers the combined benefit of a no-claim bonus and a no-claim bonus super i.e. 60% increment in sum insured for every claim-free year.
If the claim has been made in any year, the no-claim bonus and the no-claim bonus super will be decreased at the same rate at which it arises.
Reduces the pre-existing waiting period from 48 months to 24 months.
Covers the expenses incurred on Doctor Consultations, Pharmacy & medical Tests. You can opt for the coverage amount ranging from INR 5K to 50K.
Sum insured can be recharged unlimited times.
Coverage for doctor consultations and diagnostic tests up to 2% of the sum insured.
Provides a certain amount of cash for each day during the hospitalization to cover non-medical expenses such as food and transportation, etc.
A sum amount is paid to the insured person for each day of hospitalization (Maximum up to 30 days). This amount will become double in case of hospitalization in ICU.
Get cashless treatment across the listed network hospitals outside India.
By adding this rider to your Care Plan, you can consult international doctors across the globe to get a second medical opinion.
Covers the expense of the necessary air ambulance.
By choosing this rider, you can get rid of the 20% of the co-payment worry if the insured or the eldest insured member is 61 or above.
Combination of 3 additional benefits in one:
Claim Shield: Covers the non-payable expenses like gloves, masks, etc.
No Claim Bonus Shield: Applicable if the claim amount is less than 25% of the SI.
Inflation Shield: Sum Insured will increase at every renewal on a cumulative basis.
Care health insurance offers a total of 13 health insurance plans. Check below to know more about the other care health insurance plans offered by the company.
A comprehensive family floater plan that decides your policy premium based on the living cost of the city you reside in.
Unique Benefits
Comprehensive health plan for people above 60 to make their second inning stress-free from health-related financial worries.
Unique Benefits
Get medical coverage for pre-existing diseases like BP, diabetes without any waiting period by bearing a co-pay of 20-30%.
Unique Benefits
A super top-up health insurance plan to provide extra medical cover on the basis of policy deductible principle.
Unique Benefits
A maternity health insurance plan with child cover. This plan protects individuals and families during medical emergencies.
Unique Benefits
Enjoy the advantage of 1 crore cover and multiple benefits at lower monthly premiums with this affordable individual & family floater plan.
Unique Benefits
A standard comprehensive plan mandated by IRDAI that offers coverage for both Ayurvedic or Allopathic treatments.
Unique Benefits
Offers lifelong coverage against cancer and the cost of its treatment with several other benefits.
Unique Benefits
Offers coverage against 32 critical illnesses that are pre-defined under the policy such as catastrophic burns, coma, etc.
Unique Benefits
A comprehensive plan that takes care of your medical needs in your late 40s.
Unique Features
Individuals with pre-existing cardiac diseases can get coverage against medical treatments by paying 20-30% of co-payment for every claim.
Unique Benefits
A flexible health plan that covers advanced technology methods, unlimited e-consultations and personal accidents.
Unique Benefits
A unique healthcare plan offering extensive coverage to individuals and families under a single plan with affordable premiums.
Unique Features
See More Health Insurance Articles
See More Health Insurance Articles
1. Can I cover my family under this health insurance plan?
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.
2. Will I get cover on my pre-existing disease?
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.
3. Does this plan provide cover on diseases that are there since birth?
No, this plan does not cover the Congenital diseases.
4. What are the different documents required for portability?
You can apply for Care Health Insurance under portability with the following documents:
5. How do I cancel my health insurance policy?
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.
6. Can I check the claim status of my care health insurance plan?
You can track the claim status of the care plan online in these simple steps:
7. Can I save tax under a care health plan?
Yes. you can save tax up to INR 75K under section 80D of the Income Tax Act of India 1961.
8. Can I increase my sum insured during the policy tenure of the care plan?
Yes, you can increase the sum insured amount at the time of renewal.
9. Is a medical check-up necessary before buying a care plan?
You don't have to undergo pre-policy medical check-ups before buying a care plan until the sum insured amount is above 40L or the age of the applicant is up to 60 years.
10. How do I add family members to the existing care plan?
The addition of family members can only be possible at the time of renewal.
11. What is Care Anywhere feature under this plan?
Care anywhere feature offers coverage outside India or abroad on certain listed treatments. You can avail of this benefit in more than 50L sum insured options.
12. Can I change my hospital during any medical treatment?
Yes, you can change hospitals at any time throughout medical treatment if the necessity arises.
Pravin
Indore
June 8, 2023
A thoughtful health insurance provider, they helped with the claim settlement without any hassle in a medical emergency when my father was hospitalized
Mahesh Malvesh
Delhi
September 14, 2022
Thanks Manoj for suggesting Best plan and even for your patience level with good knowledge and exp l..really happy to see policy x help and Good exp in industry.. Keep going Good always in fut...
Vidyut Sharma
Delhi
May 25, 2022
I am in love with the facilities Religare Health Insurance offers. It is one of the best health insurance companies available in the market at the moment. I would definitely recommend this to e...
Niyati
Rajkot
February 17, 2022
I am using their health insurance and used it for COVID19 treatment. I am so happy that covid treatment was handled by them. due to lockdown, i was facing money-related problems but their cashl...
Ram Dulari
Dehradun
August 16, 2021
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
Nayan
Guwahati
August 16, 2021
Religare Health Insurance is a nice company. and the way PolicyX.com helps its customers in understanding the process is commendable. I am very much impressed.
Manish Singhal
Ahmedabad
August 6, 2021
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.
Sapna Khurana
Pune
August 6, 2021
One of the best health insurance company I have ever come across. Thank you PolicyX.com for assisting me at every step. I must say the team of PolicyX is very patient and hard-working. Thanks o...
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