Care Health Insurance Plan
Care Plan
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Care Health Insurance Limited (formerly known as Religare Health Insurance)

Care is a comprehensive health insurance policy that safeguards you & your family against financial risks that occurs because of a medical emergency. With this effective health insurance policy by Care, you can make sure that there is a helping hand to deal with all expenses when you are unwell. This plan will take care of all hassles associated with your treatment so that you can stay worry-free and focus on recovery only. The plan will help you since starting until the end of your treatment. It will make sure that you get the quality treatment and on time as well.

These days with the growing inflation in the healthcare industry, a health insurance policy is a must thing that you must own. Seeing the benefits of Care Health Insurance, it comes out as one of the best health insurance policy for you and your family as well. The Usp's of Care Plan are hard to get with any other health insurance policy. The plan comes out with an effective card known as 'Everyday Care' that you can use to clear your treatment dues.

With trust, if so many years in the same, the Care product by Care Health holds too many benefits that is hard to find in any other basic health insurance policy. The plan is offering coverage against a wide range of diseases and offers various benefits for the long term. The company is catering to the same for a long time.

The plans refer to be a one-stop solution for all required needs of health insurance. It is also available in the form of a floater policy. For all our health insurance need, we look for a trustworthy plan and the company as well, Care Health Insurance is one of them that will completely secure the future against medical emergencies.

Care Plan offers a wider range of amazing benefits which will help you a lot in dealing with all unwanted medical emergencies and their expenses also. The plan comes out with valuable benefits such as Day-care Procedures, Domiciliary Hospitalization, Donor Expenses for Organ Transplantation, Coverage for Newborn Baby, and so on.

Care Plan Benefits

Pre-Hospitalization Coverage-30 days

The procedure before the hospitalization plays a vital role in the treatment as it includes investigative tests and routine medication, which can be expensive sometimes. With this effective health insurance policy, you will be liable to get cover against the same. The policy covers all medical expenses up to 30 days before hospitalization.

Ambulance Cover

It can be a matter of concern in case of an emergency when you need such assistance in a short span of time. That's why Care Plan is designed in a way that can offer cover against ambulance charges as well. And this is not a limited feature, you can also opt for Air Ambulance if suggested by a doctor.

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

The plan also pays 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.; If the insured get admitted in the hospital for in-patient care, for a minimum period of 24 consecutive hours.

Hospitalization less than 24 Hours

The plan cover all medical expenses if the insured go for a day care treatment that does not ask to stay hospitalized for 24 hours or more. It covers around 540+ day care procedures.

Room Rent

The plan also covers the charges of a room while you're staying in a single or private room. You can choose to upgrade your room if required or suggested by the doctor.

ICU Charges

In the hour of need, the plan wants you to completely focus on the treatment that's why it takes complete care of those ICU charges that come in your way of getting quality treatment.

60-Day Post – Hospitalization Coverage

We all know that even you get discharged from the hospital but the expenses of the treatment will be there in the form of test, medicines and much more.Care Health Insurance will also provide against post hospitalization expenses such as doctor consultations, Diagnostic tests, medications etc that you incur up to 60 days post your hospitalization.

Domiciliary Hospitalization

In case of an emergency or a medical condition which do not allow you to get admitted in the hospital, Care policy offers full coverage to deal with such treatment a well.

Annual Health Check-up

The company believes in the statement that prevention is better than the cure, that's why it offers free medical check-up annually.

Valuable Benefits

Automatic Recharge of Sum Insured

To keep your worries associated with medical emergencies away, a Care Health Insurance Plan comes put with the automatic recharge of the sum assured. In the case where you run out of your health coverage because of the claims that you made, the claim will reinstate the entire sum insured of the policy.

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.

Organ Donor Cover

The plan will reimburse for medical expenses that are incurred by an organ donor while undergoing organ transplant surgery.

Reassurance of the Second Opinion

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

No Upper Age Limit of Enrollment

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

Lifelong Renewability

The company wants to provide lifetime assistance to their customer that's why it comes out with the lifelong renewability option.

Alternate treatments are covered

It is a fact that sometimes non-allopathic treatments may prove to be more effective. Whether it is Ayurveda, Unani, Siddha or Homeopathy, this insurance plan will cover all of them.

Care Policy Eligibility

Minimum entry age91 days
Maximum ageNo age bar
RenewalLifelong Renewability
Renewal premiumPremium payable on renewal and on subsequent continuation of cover arc subject to change with prior approval from IRDA.
Co-paymentNo Co-payment in policy, if age of the eldest member insured with us at the time of first policy is below 61 years. 20% Co-payment will be applicable in policy, if age of the eldest member insured with us at the time of first policy is 61 years or above 61 years i.e. you will have to pay 20% of the claim amount under the policy, if any. We pay the rest.
Waiting period30 days
Waiting period for pre-existing illnessesFour years
Grace period30 days from the date of expiry

Add On Covers

No Claim Bonus Super

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

Unlimited Automatic Recharge

With this add on the cover, you will never be run out of coverage. This is because by selecting this cover, you sum insured amount reinstated in your policy every time when your sum insured exhausts.

Air Ambulance Cover

For all those times when you need a treatment that is possible miles away from the place where you stay. This add on the cover will come into the picture and will provide the needful assistance.

Global Coverage

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

Personal Accident Cover

It is an important cover that you must have. On selecting this add on covers add- on-cover you get coverage for Accidental Death and Permanent Total Disability for up to 10 times of the Sum Insured opted.

International Second Opinion

Reassurance is better than the cure, so with this add on cover you get the option to consult doctors and take a second opinion.

Care Plan Details

FeaturesCare 3 ( 4 Lac ) Super SaverCare 4 (5,7,10 Lacs) EliteCare 5 (15,20,25,30,40 Lacs) Elite PlusCare 6 (50,60,75 Lacs) GlobalCare 7 (1,2,3,6 Cr) Global Plus
Deductible in policy periodYes, Rs.10,000No deductible---
In patient hospitalizationUpto Sum InsuredUpto Sum InsuredUpto Sum Insured--
Pre-hospitalization30 days30 days30 days30 daysUpto SI , 30 days
Post-hospitalization60 days60 days60 days60 daysUpto SI , 60 days
Day Care TreatmentsYesYesYesYesUpto SI
Room Rent1% of SI per daySingle Private RoomSingle Private Room (upgradable to next level)Single Private Room (upgradable to next level)Single Private Room (upgradable to next level)
ICU charges2% of SI per dayNo LimitNo LimitNo Limit-
Ambulance CoverRs.1500/ hospitalizationRs.2000/ hospitalizationRs.2500/ hospitalizationRs.3000/ hospitalizationRs.3000/ hospitalization
Daily AllowanceRs.500/ day upto 5 days-Upto 10% of SIUpto 10% of SIUpto 10% of SI
Domiciliary hospitalizationUpto 10% of SIUpto 10% of SIYes, all membersYes, all membersYes, all members
Health Check-upYes, all membersYes, all membersYesYesYes, Up to SI (Once in a Policy Year)
Recharge of SIYesYesYesYesYes
No Claim BonusYesYesRs.200,000Rs.300,000Rs.500,000
Organ Donor CoverRs.50,000Rs.100,000YesYesYes
Second opinionYesYesUpto Rs.30,000Upto Rs.40,000Upto Rs.50,000
Alternative TreatmentsUpto 15,000Upto 20,000-YesYes
Maternity cover---Upto 100,00Upto 200,000
Vaccination Cover----Yes, Upto Rs. 10,000
Global Coverage: (excluding USA)----Up to SI for Hospitalization Expenses & up to the limit specified under Maternity Cover` towards Maternity expenses; With a 10% co-payment per Claim


  • Any diseases / undergoing of surgery/occurrence of the event, whose signs or symptoms first occur within 30 days of Policy Period.
  • Expenses that occur because of self-inflicted injury.
  • Expenses that occur because of the consumption of alcohol or drug use/misuse/abuse.
  • Medical expenses incurred for treatment of AIDS.
  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion, and its consequences.
  • Congenital disease.
  • Tests and treatment relating to infertility and in vitro fertilization.
  • War, riot, strike, nuclear weapons induced hospitalization.

Claim Process

The claim process of Care (formerly known as Religare Health Insurance) is very convenient. The company does carry a good claim settlement ratio. The company is assisting the customer with its effective claim assistance from a long time and allows them to enjoy the benefits of the policy. The company carry two options to choose for the claim settlement- Cashless & Reimbursement

Cashless - It allows the person to take advantage of cashless treatment. IT means once you get hospitalized or diagnosed with any disease which is liable to get the cover then you don't have to pay anything from the pocket for the required treatment. The insurance company will take care of all the required expenses and pay on the insured behalf. All you have to do is inform the insurance company representative at the hospital, inform him/her about your case and then leave the rest upon them. Care Health Insurance carries a long list of network hospitals where you can get the required treatment without any hassles.

Reimbursement - Under the reimbursement, on getting hospitalized thee insured have to pay for all the expenses associated with the treatment. After that, the insurance company will reimburse the whole amount to you. Do check that your disease is liable for the cover or not before filing the claim.

Usefull Links

Hospital Locator | Brochure Details


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. Do I need to undergo a medical check-up while buying a health insurance policy?

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.

5. Does it include personal accident cover?

Yes, the policy has the option to offer personal accident cover but for the same, you have to pay an extra premium as it comes under the add on covers.

6. What are the different documents required for portability?

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

7. How does the Auto recharge work?

    The company will automatically recharge the sum insured, in case the sum insured and any no claim bonus accumulated is exhausted during the policy year.

8. How do I cancel my health insurance policy?

The company offer a free look period to review policy terms and conditions. In case where you are not satisfied with the policy, then 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.

Last updated on 15-01-2021