Care Group Health Insurance Plans & Benefits | PolicyX
Buy Now
Summarize with
ChatGPT Claude Perplexity
Care Health Insurance Care Health Insurance ★ 4.4

Care Group Health Insurance

Care Health provides Group Health Insurance, Group Personal Accident I ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
158+
Pan India presence
97%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,718 reviews
🏥 11,400+ hospitals
📊 1.74 solvency ratio
✅ 97% claim settlement

About Care Group Health Insurance

A quick read on what this Care Health Insurance plan covers and why it might be a fit for you.

Care Health provides Group Health Insurance, Group Personal Accident Insurance, and Group Travel Insurance. Care Health Insurance has offered 11,000+ corporate policies across 25,000+ locations in India. Care group health plans provide features like customised coverage, coverage for partial and permanent disability, trip delay, and more. With Care group health insurance plans, employees can 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. Explore the inclusions, exclusions, features, and benefits of Care group plans below.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Flexible eligibility
Plan type
Group Health Insurance
Waiting period
Coverage from day 1
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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • 11,000+ corporate policies
  • 25,000+ locations covered
  • 92.77% claim settlement ratio

Cons

  • Infertility not covered
  • war-related claims excluded
  • waiting period applies

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Not covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

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; coverage starts from day one. | Customise sum insured and policy benefits to suit the majority of employees. |
  • | Tax benefits available on 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 and health insurance awareness camps. | Helps in retaining employees by offering mental peace and comprehensive healthcare coverage. |
  • | Additional riders and benefits for personalised coverage. | Care group health insurance offers competitive pricing to organisations. |
  • | Access to all policy-related documents and queries via the Care Health App. | Dedicated relationship managers for corporate health plans. |

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.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Care Group Health Exclusions Permanent Exclusions Permanent diseases or health conditions that are not included under Care Group Health Exclusions are: * Hospitalisation due to war, riot, strike, or nuclear weapons * Intentional self-injury * AIDS * Infertility and in vitro fertilisation * Miscarriage and abortion * Congenital disease Coverage after Waiting Period Certain diseases and treatments are covered under Care Health group plans after a waiting period: * Specific diseases after 2 or 3 years * Pre-existing diseases after 4 years

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Adults: 18-99 years
  • Children: from 91 days
  • covers employee families
  • no pre-policy check-up

Other features & benefits

Conclusion

Care Health Group Insurance is a reliable choice for comprehensive health coverage, offering tailored plans for diverse needs. With an extensive network of 21,600+ hospitals and a focus on customer-centric services, it provides peace of mind for individuals and families. By prioritising affordability and accessibility, Care Health ensures quality healthcare is within reach. Choosing Care Health Group Insurance means investing in a secure and healthy future, backed by a trusted name. To learn more about Care Health Insurance plans, connect with our expert advisors. We offer expert insurance advice.

Care Group Health Insurance: FAQs

The 7 most-asked questions about Care Group Health Insurance, answered.

Care Health Insurance offers the Care group health plan and Arogya Sanjeevani health plan.
The latest claim settlement ratio for Care Insurance for FY 2023-2024 is 82.31%.
You can connect with Care Health Insurance by simply calling 044-6900-6900 or downloading their Care Health app.
Care Insurance offers cashless treatments across India with its 21,600+ network hospitals.
Care Group health plans cover maternity and newborn expenses as an optional benefit.
Yes, optional coverage benefits like maternity coverage and newborn baby coverage are available.
Care group health plans offer tax benefits under section 80D of the Income Tax Act, 1961.

Explore Care Health Insurance

Health Insurance Articles

Health Insurance Premium Calculator

PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.

Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Simran Kaur Vij — Health and Term Insurance Reviewed by Bijendra Singh — Term Insurance
Last updated: 9 Jul 2025 · Originally published: 9 Jul 2025

Compare Health Insurance Plans

Select a company and plan for each side to see a detailed side-by-side comparison.

Other Health Insurance Companies

Star Health Insurance HDFC Ergo Health Aditya Birla Health ICICI Lombard Health Bajaj Allianz Health Tata AIG Health SBI Health Insurance Niva Bupa Health Insurance

Share your Valuable Feedback

Rating Icon 5

Rated by 52 customers

Was the Information Helpful?

Select Your Rating

We would like to hear from you

Let us know about your experience or any feedback that might help us serve you better in future.

Reviews and Ratings

Do you have any thoughts you'd like to share?

📞 Call Free