Care Group Health Insurance comes with a wide variety of inc ...Read More
Care Group Health Insurance comes with a wide variety of inclusions. These include pre- and post-hospitalization expenses, in patient expenses, and many more. Care group health plans are designed for personalised business needs. ...Read Less
21600+
Network hospitals
100%
Claim settlement ratio
Up to
1 Cr
Sum insured
1
No. of Plans
1.8
Solvency Ratio
158+
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11+ Years
IRDAI Approved
5M+
Quotes Generated
100K+
Happy Customers
PolicyX is one of India's leading digital insurance platform
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Updated on Aug 25, 2025 4 min read
Care Group Health Insurance
Care Health provides Group Health insurance, Group Personal Accident Insurance, and Group Travel Insurance. Care Health Insurance has offered 11,000+ corporate policies in 25,000+ different locations all over India. Care group health plans provide features like customised coverage, coverage for partial and permanent disability, trip delay coverage, etc.
With Care group health insurance plans, employees have the freedom to cover immediate family members. Additionally, you get corporate buffer, paperless claim settlements, online risk assessment, and digital accessibility. The claim settlement ratio for Care Health is 92.77% for FY 2023-24.
Care group health plans are designed for personalised business needs. Read the article below to explore the inclusions, exclusions, features, and benefits of the Care group plans.
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Care Group Health Insurance Specifications
To understand Care Group Health Insurance Insurance in detail, take a look at the below table:
Entry Age
Flexible eligibility
Policy Type
Group Health Insurance
Sum Insured
Up to 1 Crore
Initial Waiting Period*
Coverage from day 1 Days
Renewability
NA
Policy Term
1 Year
*Initial Waiting Period is the time period between the
issuance of the policy and the time it starts actively. During this period, a
policyholder has to wait to avail of the benefits offered under a health insurance
plan.
Choose Your Care Group Health Insurance
With wide coverage options available, Care Group Health Insurance Insurance Plan
allows you to
choose your ideal coverage as per your family’s health requirements. Take a look at the
coverage under every SI option available and choose your ideal coverage:
In-patient & Out-patient coverage
Room Rent
Covered
ICU Charges
Not Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
Coverage
Terms
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Not Available
Automatic Restoration
Not Available
Daily Hospital Cash
Not Covered
Organ Donor
Not Covered
Maternity Cover
Covered
New Born Baby Cover
Covered
Alternative
Treatments
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Emergency
Coverage
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
Wellness
Programmes
E-Consultation
Not Covered
Health Check-Up
Not Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Limitations
Co-payment
Not Available
Sub-limits
Available
What
is Room Rent?
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
What
are ICU Charges?
It is a special hospital department where patients with serious medical conditions are treated.
What
is Pre Hospitalization?
Medical expenses incurred before hospitalisation of the policyholder.
What
is Post Hospitalization?
Medical expenses incurred after the discharge of the policyholder from the hospital.
What
is Domiciliary Hospitalization?
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
What
is Daycare Treatment?
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
What
are OPD charges?
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.
.
What
is COVID-19 Treatment?
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
What
is Cataract Treatment?
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
What
is a No-Claim Bonus?
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
What
is Automatic Restoration?
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
What
is Daily Hospital Cash?
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
What
is an Organ Donor Cover?
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
What
is a Maternity Cover?
It refers to the cover that includes expenses for normal and c-section deliveries.
What
is a New Born Baby Cover?
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Congenital anomaly (conditions since birth)
Acute condition
Chronic condition
Premature delivery
Birth asphyxia
Daycare treatment
What
is AYUSH Treatment?
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
What
is IVF Treatment?
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Full infertility
No fertility
Infertility diagnosis
Infertility diagnosis and limited fertility treatment
Medication (which may or may not include fertility drug prescriptions)
What
is a Modern Treatment?
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
What
is an Ambulance Cover?
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
What
is an Air Ambulance?
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
What
is Compassionate Travel?
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
What
is Global Coverage?
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
What
is E-Consultation?
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
What
is a Health Checkup?
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
What
is a Second Medical Opinion?
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.
What
is Vaccination cover?
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
What
is Co-payment?
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
What
is the Sub limit?
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 be paid by the policyholder.
For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
Care Group Health Plan Benefits
Listed below are the benefits of Care group health plans.
For Employees
For Employers
No pre-policy medical check-ups, covering you from day 1.
Customize the sum insured and policy benefits according to the majority of employees.
Tax benefits are available if you pay group health premiums under section 80D of the Income Tax Act, 1961.
Tax benefits are available under section 80D of the Income Tax Act, 1961.
Health check-up camps, health insurance awareness camps, and more.
Helps in retaining employees by offering mental peace and comprehensive healthcare coverage.
Additional riders/ benefits available for personalised coverage
Care group health insurance offers competitive pricing to organisations.
Access to all policy-related documents and queries with the Care Health App.
Dedicated relationship managers for corporate health plans are offered.
Care Health Insurance Network Hospital List
Care Health Insurance Network Hospitals are present in 31
states
nationwide. With a wide network of hospitals, Care Health Insurance ensures
that you are
medically secured, irrespective of the city you reside in.
Permanent diseases or health conditions that are not included under Care Group Health Exclusions are:
Hospitalization out of war, riot, strike, and nuclear weapons
Intentional self-injury
AIDS
Infertility and in vitro fertilization
Miscarriage and abortion
Congenital disease
Coverage after Waiting Period
Certain diseases and treatments are covered under Care Health group plans. Read the details below:
Specific diseases after 2/3 Years
Pre-existing diseases after 4 Years
Conclusion
Care Health group insurance stands out as a reliable choice for comprehensive health coverage, offering tailored plans that cater to diverse needs. With its extensive 21,600+ network of hospitals and focus on customer-centric services, it provides peace of mind for individuals and families alike. By prioritizing affordability and accessibility, Care Health ensures that quality healthcare is within reach. Choosing Care Health group insurance means investing in a secure and healthy future, backed by a trusted name in the industry.
To know more about health insurance plans from Care Health Insurance, connect with our expert advisors.
We offer No Spam, No Gimmicks, Only Xpert Insurance Advice.
Explore other Care Health Insurance
To cater to the different medical needs of an individual & their family,
Care Health Insurance offers
several Health Plans ranging from senior citizen plans to specialized plans for
autistic
children, to health insurance for cardiac patients, and many more.Take a look below
to Care Health Insurance plans
explore more:
Care Health provides Group Health insurance, Group Personal Accident Insurance, and Group Travel Insurance. Care Health Insurance has offered 11,000+ ...
Unique Features
Explore Care Health Group Plans
Care Claim Settlement Ratio
Benefits of Care Group Plans
Care Group Health Insurance (Pros)
Care Group Health Insurance (Cons)
Care Group Health Insurance (Other
Benefits)
Care Group Health Insurance (Eligibility
Criteria)
The Ultimate Care health insurance plan by Care Health is designed to provide comprehensive coverage to the policyholder with a range of benefits. Thi...
Care Heart is a unique plan launched by Care Health Insurance that provides the flexibility to choose from benefits like Active heart health check-ups...
Care Plus health insurance is a complete healthcare plan that is loaded with features and protects you and your family. Care Plus offers comprehensive...
Get coverage based on your residential zone.
Care Classic health insurance is a family floater health plan ideal for married couples, joint families, ...
A top-up plan based on policy deductible principle
Care Enhance is a super top-up health insurance plan that provides extra health insurance coverage ...
An ideal combination of hospitalization and maternity care.
Care Joy health insurance is designed specifically for expecting mothers and their newborn...
Single health insurance to cover all family members.
Care health insurance plan is a comprehensive medical policy for individuals and families. It is ...
Care Senior Citizen is specially designed to offer coverage for individuals above 60 years of age. It offers flexibility to choose the sum insured tha...
Critical Mediclaim Care health insurance policy gives you protection against 32 defined critical illnesses based on an indemnity plan. This super-faci...
Free yourself from the worries of healthcare.
As the name suggests, Care Freedom is the plan that allows you to be worry-free in every situation. Thi...
Unique Features
Additional health checkups
Dialysis cover
No pre-medical check-up
Care Freedom Health Insurance Plan (Pros)
No pre-policy checkup needed
Dialysis cover available
Annual health checkup
Care Freedom Health Insurance Plan (Cons)
Change of gender treatment
Obesity treatment
HIV/AIDS not covered
Cosmetic surgery unavailable
Care Freedom Health Insurance Plan (Other
Benefits)
Cashless healthcare
No pre-policy check up
SI recharge
Lifelong renewability
Care Freedom Health Insurance Plan (Eligibility
Criteria)
Care Supreme is an extensive coverage health insurance plan that safeguards you and your family members without worrying about your future healthcare ...
Worried about cancer in your bloodline? Care Cancer Mediclaim has got you covered.
Cancer can be defined as distress, hopelessness and loss. There cou...
Care Advantage Health Insurance is an ideal 1 Crore option so that a policyholder's family is adequately covered. Care Advantage health insurance offe...
Care Operation Insurance Plan is designed specifically to offer you surgical operations coverage. A wide range of sum insured options are available ra...
Arogya Sanjeevani was first introduced by IRDAI (Insurance Regulatory and Development Authority of India) in the year 2020 to provide a standard and a...
Unique Features
High sum insured
540+ procedures covered
Organ donation cover
Arogya Sanjeevani Plan (Pros)
AYUSH treatment
Affordable premium
Lifelong renewability
Tax benefit
Arogya Sanjeevani Plan (Cons)
Change of gender treatment
Obesity treatment unavailable
Hazardous activity not covered
Arogya Sanjeevani Plan (Other
Benefits)
Modern treatments available
50% cumulative bonus
30 days pre-hospitalisation
Arogya Sanjeevani Plan (Eligibility
Criteria)
Entry age- 5 years
Max entry age- 65 years
SI- 5 L
Waiting period- 30 days
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.
Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.
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