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Updated on Jul 01, 2025 4 min read
Care (Religare) Health Insurance Premium Calculator
The right health insurance policy acts as an indispensable shield against rising medical inflation. However, as important as it is to select the right cover, it is equally essential to calculate the premium payable and compare quotations across different health plans. Fortunately for you, Care Health Insurance (formerly known as Religare Health Insurance) has come with its digital tool for quick and easy online premium calculation.
Care Premium Calculator eliminates the need for you to depend on third parties for information and calculate premiums in just a few clicks. This free online tool factors in your age, number of members, medical history and amount of coverage required to give you the estimated premium.
Why Do You Need Online Premium Calculators?
The Care Health Insurance Premium Calculator provides numerous advantages. Let’s have a look at some of its benefits:
Estimation of premiums without errors -the digital premium calculator analyses all policy parameters precisely to give premium rates that are free of errors.
Saves time and money -you can examine an insurance policy from anywhere, at any time, thanks to an all-digital facility for checking medical insurance premium rates online.
Add-on rider benefits -once you’ve determined how much you’ll have to pay in premiums, you can make sure you don’t go over your financial budget. It indicates whether or not extra riders can be added to the package based on your budget.
Premium comparison -it allows you to compare the premiums of several plans, allowing you to choose the most cost-effective alternative. This saves a lot of your time otherwise spent on reading individual policy brochures.
Personalized coverage -it allows you to tailor coverage elements to your specific needs.
What are the features of the Care Insurance Premium Calculator?
Online tool - Care Premium Calculator by Care Health Insurance (formerly Religare Health Insurance) is available online, making it easy to use from the comfort of your own home.
Free for all - The application is completely free, and users can use it as many times as they like to look for premium quotations.
Quick quotations - The calculator provides quick results that include taxes and provide a decent estimate of the net premiums due.
Plan comparison - Multiple plans are evaluated with Care Health Premium Calculator to provide you with the best choice.
Personalized approach - The premium calculator allows you to customize your coverage. You can add or remove members, change the Sum Insured, and customize other aspects.
Factors taken into Consideration for Premium Calculation
Age: It is a significant element that influences the cost of health insurance premiums. As you get older, you become more prone to health problems, and therefore the cost of medical treatment increases. Younger people, on the other hand, would pay a lower insurance premium under the provisions of the policy.
BMI: The Body Mass Index is the ratio of your height to your weight. If your BMI is unhealthy, you are more likely to develop conditions such as obesity, heart disease, diabetes, and so on. As a result, premiums for medical insurance becomes higher.
Medical history: Another element taken into account when determining the likelihood of a genetic condition is your family’s medical history. When calculating the premium to be paid, the specifics of your medical history become a decisive factor.
Add-on covers: You’ll see possibilities to attach add-on covers to your insurance and expand your coverage when utilizing the tool. As a result, any additional coverage, such as a higher sum insured, a shorter waiting time, automatic recharge, COVID, and OPD-care, will raise the premium cost.
Type of health plan: The health insurance plan you select has a significant impact on the amount of your premium. An individual policy will have a substantially higher premium than a family floater plan. You may use the mediclaim premium calculator to find a good health plan at an affordable premium rate.
Lifestyle choices: Insurers also take into account your lifestyle choices, including drunkenness, smoking, and tobacco use when calculating your premium. To help accurately assess your health insurance premium, you must reveal any serious lifestyle problems. A smoker, for example, has increased health risks and consequently pays a higher premium than a non-smoker.
Pre-existing diseases: A person with a pre-existing sickness is likely to pay a higher premium than someone who is in better health. While there is a waiting period to obtain pre-existing disease coverage, there is an option to shorten the waiting period in exchange for a higher premium.
Information required by the Care Insurance Premium Calculator
With CHI’s digital premium calculator, calculating medical coverage premiums has never been easier. To process an estimate of your insurance payment, you need to provide a few crucial data as listed below-
For the Pre-Existing Disease Cover, the number of adults and children insured, as well as the age of the oldest member. Any pre-existing medical issues should also be disclosed.
When purchasing Senior Citizen Health Insurance, The Care Health Insurance Premium Calculator considers the age and gender of all family members.
Care Health Insurance (formerly known as Religare Health Insurance) only needs your contact and the above-mentioned information to help you better understand the policy coverage and premium amount.
How to Use Care Health Insurance’s Premium Calculator?
Step 1: Go to the Care Health Insurance website’s "Calculate Health Insurance Premium" page under the "Health Insurance" category.
Step 2: From the drop-down menu, select a suitable health policy.
Step 3: Enter your phone number and click the ’Get Quote’ button in the top right corner of the screen.
Step 4: Input your pin code as well as your email address.
Step 5: Select the number of members you want to insure, as well as their age and gender, by clicking Next*.
Step 6: To calculate the policy’s premium, adjust the sum insured using the metre in the ’Total Coverage’ section and switch between several policy terms ranging from 1 to 3 years.
Step 7: In the "Care Quote" area, your immediate medical insurance premium computation is complete and visible.
Step 8: To improve your health insurance coverage, select any or all of the add-on benefits suggested on the ’Care Quote’ display. As you add on benefits, you’ll notice an immediate difference in the premium price.
Note - You should declare the number of adult members and minors, as well as the eldest member’s age if you are purchasing a pre-existing illness policy. You must also specify whether or whether the senior policy-seekers have any pre-existing conditions.
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.
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:
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...
1. Do I have to pay GST on Health Insurance Premium?
Yes, GST charges are applicable at a rate of 18%.
2. How can I reduce the premium for my health insurance?
Opt for a family floater plan
Invest at a young age
Maintain ideal BMI
Choose a healthy lifestyle
Choose multi-year policy
3. How can I calculate the premium for my parents?
Go to the health policy premium calculator on the Insurer’s website. Enter details about their age, medical history, etc. and click to calculate the premium amount.
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.
Online Premium Calculator 
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