Diseases Covered By Care Health Insurance
  • Care Health Insurance List
  • List of Diseases Included
  • List of Diseases Excluded
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Network hospitals

22900+

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Claim settlement ratio

100%

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Sum insured

1 CR

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No. of Plans

13

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Solvency Ratio

1.81

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Pan India Presence

-

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Age of Eldest Member

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Network hospitals

22900+

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Claim settlement ratio

100%

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Sum insured

1 CR

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No. of Plans

13

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Solvency Ratio

1.81

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Pan India Presence

-

Recognized By carePolicyX.com is a Recognised Care Partner View Certificate

List of Diseases Covered Under Care Health Insurance

The main motive of health insurance is to provide coverage against any undesired and unwelcome situation that may lead to financial loss. Care Health Insurance has orchestrated numerous insurance policies that cover many fatal diseases and unexpected events such as an accident. It is important to familiarize yourself with the policy you are going to purchase by thoroughly reading the policy documents. This will give you a clear view of diseases and events that will be covered under the policy. Here is the list of diseases covered under Care Health Insurance.

Accident-Related Expenses

Care health insurance has designed its health insurance plans in such a way that they cover accidents. 'Care Personal Accident Insurance policy covers injuries caused by an accident and hospitalization followed by the accident. Additionally, policies from the company offer death cover and convenient cashless health insurance facilities available at the network hospital of the company. It is important for an individual to opt for accident-related health insurance offered by Care because it safeguards you and your family against financial loss from unexpected events like accidents.

COVID -19

Care Health insurance offers coverage for coronavirus treatment. Plans like 'Corona Kavach' and 'Covid-Care' cover hospitalization, day care treatment, and quarantine cover. The company has lowered the waiting period for these plans to 15 days. These comprehensive plans provide nationwide coverage and prepare the policyholder against the looming risk of infection.

Cancer

Care Health Insurance company provides all-inclusive coverage for cancer treatment including hospitalization, medication, chemotherapy, and radiotherapy. Treatment of cancer is expensive, so having a good policy by your side will help you financially and provide you peace of mind. 'Care Cancer Insurance' plan offers the policyholder annual health check-ups and quick recovery counselling.

Diabetes

Diabetes, high BP and high BMI always demand extended treatment, causing the financial strain for an individual. That is why plans like 'Care Health Insurance for Senior Citizen' and '1 Crore Health Plan' act as a safety net covering diabetes, BP and High BMI expenses for their treatment and their related complications. Even an individual with pre-existing BP or diabetes can avail of the coverage after completing 24 months of the waiting period, under the plan 'Care Pre Existing Disease Cover'.

HIV/AIDS

Battling a life-threatening disease like HIV/AIDS is very difficult emotionally and financially. Health Insurance plans offered by Care cover hospitalization and treatment expenses. The HIV/AIDS policy offers domiciliary hospitalization, daycare treatment, ambulance expenses and AYUSH treatment. With this comprehensive support, the policyholder can access the best medical care and live a healthier life.

Critical Illness

Alcohol consumption, sedentary lifestyle, poor eating habits, and work-related stress can affect your health significantly. This can lead to serious health issues which if not addressed timely could be life-threatening. However, with the escalating medical cost, access to quality treatment can be challenging without any health insurance coverage. 'Care Critical Illness Insurance' plan offers coverage for 32 different critical illnesses, providing a high level of protection at an affordable cost.

Heart Ailments

As we all know the heart is the most important organ in the body and one must monitor its health regularly. A policy like 'Care Heart Health Insurance' for individuals with heart conditions provides coverage for various cardiac problems and pre-existing ailments. The company also includes annual cardiac health check-ups in their plan like 'Care Heart Mediclaim'.

Specific Diseases

Typically health insurance companies have a waiting period of a minimum of 30 days from the commencement of the plan till the date the policyholder can avail of the coverage. However certain diseases such as Joint Replacement, Arthritis, Cataract, Ligament Repair, Hernia, Spinal Disorder, Osteoporosis, and Gout have a specific waiting period of 24 months. So, these conditions are covered under the policy claims and only can be filed after the completion of the designated Waiting Period.

List of Disease Not Covered Under Care Health Insurance

There are many diseases which are excluded from the coverage list for the company and the list is as follows:

  • No coverage for disease or surgery within 30 days of commencement of the plan.
  • Self Inflicted injuries such as suicide are not covered.
  • Treatment related to pregnancy, childbirth, miscarriage, and abortion is excluded from the list.
  • Congenital Diseases are not covered.
  • Infertility and in vitro fertilization tests and treatments are not covered.
  • Hospitalization due to war, riots, and nuclear weapons is also not covered.

Health Insurance Policy coverage for diseases varies by policy. Please read the policy document before buying any plan, and understand the inclusion and exclusion of the policy. Investing your time in reading the policy document will ensure the access to best health care and smooth claim settlement.

Health Insurance Companies

Care Health Insurance (Formerly Known As Religare Health Insurance) Network Hospital List

Care Health Insurance promises a wide Network of cashless Hospitals across India. A well connected network of over 20800+ cashless hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in

Care Health Insurance Plan

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

  • Covers IVF treatment
  • Compassionate travel coverage
  • Unlimited e-consultation

Care Classic (Pros)

  • Zone-Based Health Insurance
  • Family Floater Plan
  • Affordable Plan
  • High Sum Insured
  • Value Added Services

Care Classic (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Classic (Other Benefits)

  • Unlimited e-consultations
  • Annual Health Check-up
  • Wellness Services
  • OPD care
  • ENT Consultations

Care Classic (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 5 L to 15 L
  • Waiting Period - 30 Days

Comprehensive health plan for people above 60 to make their second inning stress-free from health-related financial worries.

Unique Benefits

  • No pre-policy Medical Checkup
  • Lifelong Renewability
  • Automatic SI Recharge

Care Senior Citizen (Pros)

  • No pre-policy check-up
  • Annual Health Check-up
  • 540+ Day Care Treatments
  • EMI premium options
  • Discounts Available

Care Senior Citizen (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Senior Citizen (Other Benefits)

  • Organ Donor Cover
  • Second Opinion Available
  • Affordable Premiums
  • Covid-19 Treatment
  • Ambulance Cover

Care Senior Citizen (Eligibility Criteria)

  • Entry Age - 61 Years
  • Max Entry Age - No age limit
  • SI - 3 L to 10 L
  • Waiting Period - 30 Days

Get medical coverage for pre-existing diseases like BP, diabetes without any waiting period by bearing a co-pay of 20-30%.

Unique Benefits

  • No pre-policy checkup needed
  • Dialysis cover available
  • Annual Health Checkup

Care Freedom (Pros)

  • Cashless Healthcare
  • No pre-policy check-ups
  • SI Recharge
  • Lifelong Renewability
  • 15-day free-look period

Care Freedom (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Freedom (Other Benefits)

  • 2 Plan variants
  • Consumable Allowance
  • Annual Health Check-up
  • Long Term Discounts
  • Dialysis Cover

Care Freedom (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - Lifelong
  • SI - 3 to 10 L
  • Waiting Period - 30 Days

A super top-up health insurance plan to provide extra medical cover on the basis of policy deductible principle.

Unique Benefits

  • Covers modern treatment
  • Flexible options of deductible
  • No pre-policy medical test

Care Enhance (Pros)

  • Annual Health Check-up
  • Family floater option
  • Pre & Post Hospitalization
  • Inpatient care
  • Day Care Treatments

Care Enhance (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Enhance (Other Benefits)

  • High Sum Insured
  • Organ Donor Expenses
  • Expert Opinion Cover
  • Cashless Treatment
  • Long Term Policy

Care Enhance (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - No age limit
  • SI - 1 L to 55 L
  • Waiting Period - 30 Days

A maternity health insurance plan with child cover. This plan protects individuals and families during medical emergencies.

Unique Benefits

  • 100% increase in SI as NCB
  • Newborn Cover
  • 541 day care treatments covered

Care Joy (Pros)

  • 2 Plan Variants
  • Maternity Plan
  • New Born Baby Cover
  • Day Care Treatment
  • Modern Treatment Cover

Care Joy (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Joy (Other Benefits)

  • Long term discount
  • Congenital Disease Cover
  • 100% increase in SI
  • Ambulance Cover
  • Lifelong Renewability

Care Joy (Eligibility Criteria)

  • Entry Age - 1 Day
  • Max Entry Age - 65 Years
  • SI - 3 L/5 L
  • Waiting Period - 30 Days

Enjoy the advantage of 1 crore cover and multiple benefits at lower monthly premiums with this affordable individual & family floater plan.

Unique Benefits

  • No bonus claim up to 50%
  • Automatic SI recharge
  • Organ donor cover

Care Advantage (Pros)

  • Automatic Recharge
  • High SI
  • 50% No Claim Bonus
  • Ambulance Cover
  • Optional Cover Available

Care Advantage (Cons)

  • 20% Co-pay
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Advantage (Other Benefits)

  • 5 L Air Ambulance Cover
  • Reduction in PED Waiting period
  • Co-pay Waiver
  • Annual Health Check-up
  • Room rent modification

Care Advantage (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - Lifelong
  • SI - 25 L to 6 Cr
  • Waiting Period - 30 Days

A standard comprehensive plan mandated by IRDAI that offers coverage for both Ayurvedic or Allopathic treatments.

Unique Benefits

  • AYUSH Treatment
  • Pre and Post hospitalization
  • 5% cumulative bonus

Care Arogya Sanjeevani (Pros)

  • Affordable Premium
  • Lifelong Renewability
  • Tax Benefits
  • Ambulance Expenses Cover
  • Cataract Treatment Cover

Care Arogya Sanjeevani (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Arogya Sanjeevani (Other Benefits)

  • Modern Treatments Available
  • 50% Cumulative Bonus
  • 30 Days Pre Hospitalization
  • 60 Days Post Hospitalization
  • COVID-19 Cover

Care Arogya Sanjeevani (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 5 L
  • Waiting Period - 30 Days

Care Cancer Mediclaim

Offers lifelong coverage against cancer and the cost of its treatment with several other benefits.

Unique Benefits

  • Annual Health Checkup
  • Chemo and radiotherapy cover
  • Air Ambulance Cover

Care Cancer Mediclaim (Pros)

  • Chemo & Radio Therapy
  • Organ Donor Cover
  • Annual Health Check-up
  • Covers all major cancer
  • Lifelong Renewability

Care Cancer Mediclaim (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Cancer Mediclaim (Other Benefits)

  • International Second Opinion
  • Doctor On Call
  • Air Ambulance Cover
  • Quick Recovery Counseling
  • OPD Cover

Care Cancer Mediclaim (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 50 Years
  • SI - 10 L to 2 Cr
  • Waiting Period - 30 Days

Offers coverage against 32 critical illnesses that are pre-defined under the policy such as catastrophic burns, coma, etc.

Unique Benefits

  • Psychiatric Counselling
  • Dialysis Cover
  • Organ Donor Cover

Care Critical illness (Pros)

  • Dialyses Cover
  • Organ Donor Cover
  • Psychiatric Counseling
  • 32 Critical Illness Covered
  • Day Care Treatment

Care Critical illness (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Critical illness (Other Benefits)

  • Ambulance Cover
  • Annual Health Check-up
  • Global Cover
  • OPD Cover
  • Doctor On Call

Care Critical illness (Eligibility Criteria)

  • Entry Age - 61 Years
  • Max Entry Age - No age limit
  • SI - 3 L to 10 L
  • Waiting Period - 30 Days

Care for 45+

A comprehensive plan that takes care of your medical needs in your late 40s.

Unique Features

  • Organ Donor
  • Emergency Ambulance
  • Annual Health Checkup

Individuals with pre-existing cardiac diseases can get coverage against medical treatments by paying 20-30% of co-payment for every claim.

Unique Benefits

  • Cardiac Health Checkup
  • Second medical Opinion
  • Automatic SI Restoration

Care Heart (Pros)

  • Lifelong Cover
  • Domiciliary Hospitalization
  • Cardiac Check-up
  • Ambulance Expenses
  • No claim bonus

Care Heart (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Heart (Other Benefits)

  • OPD Care
  • Home Care
  • International 2nd Opinion
  • Automatic Recharge
  • High SI

Care Heart (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age limit
  • SI - 3 to 10 L
  • Waiting Period - 30 Days

A flexible health plan that covers advanced technology methods, unlimited e-consultations and personal accidents.

Unique Benefits

  • 200% increase in cumulative bonus
  • Rewards for being fit
  • Dental and Ophthalmic cover

Care Plus (Pros)

  • Unlimited Recharge Benefit
  • High Sum Insured
  • Cover up to 6 family members
  • Up to 200% No Claim Bonus
  • 10% renewal discount

Care Plus (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Plus (Other Benefits)

  • 5% Digital Discounts
  • Annual health check-up
  • Unlimited e-consultations
  • Health Services Available
  • Air Ambulance Cover

Care Plus (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - Lifelong
  • SI - 3 L to 25 L
  • Waiting Period - 30 Days

A unique healthcare plan offering extensive coverage to individuals and families under a single plan with affordable premiums.

Unique Features

  • Unlimited E-consultations
  • Unlimited Automatic Restoration
  • Avail Up to 30% Discounts

Care Supreme Plan (Pros)

  • Day Care Treatments
  • No Sub-Limits
  • Emergency Ambulance
  • No-Claim Bonus
  • Organ Donor Cover

Care Supreme Plan (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Supreme Plan (Other Benefits)

  • Unlimited Recharge
  • 30% Renewal Discount
  • Unlimited E - Consultation
  • Wellness Benefits
  • Nutrition and Fitness Coaching

Care Supreme Plan (Eligibility Criteria)

  • Entry Age - 90 Days
  • Max Entry Age - No age limit
  • SI - 5 L to 15 L
  • Waiting Period - 30 Days

Read Reviews & Ratings

Customer Review Image

Ritesh Dholakia

Cuttack

February 16, 2024

My wife and I had met with an accident a few days back. Thank God, we had health coverage of Care Health which we had bought a few months back on PolicyX’s executives’ suggestions. ...

Customer Review Image

Sanyam Srivastava

Patna

February 16, 2024

I was suffering from kidney disease, due to which I needed a transplant. My Care Critical Illness plan covered all the costs. And PolicyX helped me to settle all the claims.

Customer Review Image

Ambrish Purohit

Kochi

February 16, 2024

Thank you PolicyX team for helping me get reimbursement for the Care Health Insurance Policy for my OPD treatment

Customer Review Image

Urvashi Singhi

Mumbai

February 16, 2024

I’m a single mother of a child and she is suffering from epilepsy disease. PolicyX’s team suggested buying a Care Plus health plan under which my child is getting treated without sp...

Customer Review Image

Sahil Rattan

Delhi

February 14, 2024

I have health insurance coverage provided to me by my employer. However, I was on the lookout for top-up health insurance which was made easy by PolicyX when they suggested me Care Super Top-Up...

Customer Review Image

Jyoti Ray

Bengaluru

February 14, 2024

With the help of PolicyX, I got my super top-up health insurance policy from Care Health Insurance. They made it smooth for me to get additional coverage on my basic plan.

Customer Review Image

Victor Rodricks

Pune

December 2, 2023

The Advisor Ms. Prajapati was excellent in handling all my queries n I am fully satisfied n would rate her performance to 10

Customer Review Image

Megha

Delhi

October 4, 2023

Very good insurance plans, required one for my whole family with a large sum insured and care provided me with the best options along with additional benefits.

View All Care Health Insurance Reviews

Daina Mathew

Written By: Daina Mathew

Daina is a content writеr with a profound grasp of Insurancе, Stocks, and Businеss domains. Hеr extensive 3-year еxpеriеncе in thе insurancе industry еquips hеr with a nuancеd undеrstanding of its intricaciеs. Hеr skills еxtеnd to crafting blogs, articlеs, social mеdia copiеs, vidеo scripts, and wеbsitе content. Her ability to simplify complex insurancе concepts into reader-friendly content makes her an еxpеrt in the domain.