Care Health Insurance offers cashless treatments across 22,100+ network hospitals in India. Formerly known as Religare Health Insurance, the company was formed in 2012 as a subsidiary of Religare Enterprises. It was renamed "Care Health Insurance" in 2020. Since then, Care Health Insurance has been dedicated to creating products that manage medical expenses, establishing itself as a top standalone health insurer with a claim settlement ratio of 96.74% (FY 2025-26).
Buying Care Health Insurance plans provides access to e-consultations, annual health check-ups, customizable features, and more.
What Does Care Health Insurance Do?
Care Health Insurance offers various quality-driven products, including family health insurance, critical illness coverage, personal accident, super top-ups, maternity insurance, and micro-insurance products for rural areas. With Care Health Insurance, you can feel secure during medical emergencies. You pay premiums, and the company covers your medical bills when needed.
Care Health Insurance is known for its products that have brought significant changes to the insurance world. They have designed each of their products to cater to diverse needs. Here are some reasons why you should buy Care Health Insurance plans:
Versatile and affordable health insurance plans for every need
24x7 customer support for easy claim settlement
Over 22,100 network hospitals across India
Offers comprehensive coverage at affordable premiums
Tax benefits under Section 80D of the Income Tax Act
Comprehensive Health Insurance Plans
Care Health Insurance strives to provide the best plans with wider coverage. You can get in-patient expenses, pre- and post-hospitalization, domiciliary hospitalization, and more. They also cover AYUSH treatments.
Affordable Premiums
Care Health plans provide extensive coverage for everyone in your family at affordable premiums, starting from ₹21 a day.
Catering to 360-Degree Requirements
Customize your Care Health Insurance plans as per your needs and requirements. As everyone has different preferences, Care Health provides an array of health plan options from which you can choose.
Complete Family Coverage
Their health plans for families allow you to protect your loved ones from unnecessary hospital expenses. For instance, their Care Advantage plan offers a sum insured up to ₹6 crore. You can pick a plan that is suitable for you and your family.
Wide Network of Hospitals
With a wide network of more than 22,100+ cashless healthcare providers, Care Health ensures you receive extensive care when needed.
Hassle-Free Claim Procedure
With both offline and online claim filing options, Care Health makes the claim process extremely easy. They prioritize your time, aiming to settle claims within 6 hours with minimal paperwork.
Efficient Customer Care Support
It's natural to have questions when buying health insurance. The supportive teams at Care Health and PolicyX are available to assist you. You can call us anytime to get your queries resolved.
Add-On Benefits
Care Health Insurance ensures its customers receive high-quality medical facilities. Along with the standard range of policy offerings, they have complemented their policies with many add-on benefits, such as:
Care Health Insurance understands the impact of rising medical expenses, and their insurance products cover pre- and post-hospitalization expenses related to in-patient hospitalization.
AYUSH Treatments
Most Care Health Insurance plans include in-built alternative treatment covers. AYUSH treatments include Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homeopathy.
Hospitalization Expenses
Care Health Insurance plans cover hospital expenses such as room rent, ICU charges, surgery, doctor consultations, and other related costs.
Day Care Treatments
Many medical procedures do not require 24-hour hospitalization. Therefore, most Care Health Insurance plans are designed to cover daycare procedures for policyholders.
Domiciliary Hospitalization
Upon a doctor's recommendation, policyholders can receive medical care at home. Care Health Insurance plans cover domiciliary hospitalization up to specified sub-limits.
What is Not Covered Under Care Health Insurance?
Self-Inflicted Injuries
Care Health policies do not cover injuries or hospitalization caused by self-harm.
Cosmetic Procedures
Care Health Insurance plans do not cover cosmetic surgeries or treatments.
Adventure Sports
Care Health Insurance plans do not cover hospitalizations or accidents caused by adventure sports.
Obesity or Weight Control Treatments
Care Health Insurance plans generally do not cover treatments related to obesity and weight management, such as bariatric surgeries.
Involvement in Illegal Activities
Care Health Insurance plans do not cover individuals or families for hospitalization or injuries resulting from unlawful activities.
What Are the Different Waiting Periods in Care Health Insurance Plans?
The various waiting periods associated with Care Health plans are:
Initial Waiting Period
This period begins from the date of policy purchase and typically lasts up to 30 days for most Care Health Insurance plans.
Pre-existing Disease Waiting Period
Care Health Insurance plans require specific waiting periods if you are diagnosed with Pre-Existing Diseases (PEDs) such as hypertension, diabetes, or others.
Survival Period
Similar to waiting periods, Care Health Insurance plans with critical illness coverage include a survival period. During this period, policyholders diagnosed with any listed critical illness must survive for a specified duration to avail coverage benefits.
*HDFC ERGO is a general insurer, so its premium covers all lines of business.
Care has the largest hospital network of the four and a CSR close to HDFC ERGO's. Star has the most branches. Niva Bupa has the strongest solvency.
How to Buy Care Health Insurance Plans?
To purchase Care Health Insurance online, follow these simple steps:
Visit the PolicyX health insurance page and enter your details such as name, age, number of members to be covered, and city.
Click on 'Get free quotes' and compare Care Health Insurance Plans according to your needs.
Select your preferred Care Health Insurance plan and pay premiums online.
Our team of insurance experts at PolicyX will provide assistance with claims and other queries after you purchase your Care Health Insurance plan.
Factors to Consider While Buying Care Health Insurance
Choosing the best health plan involves proper planning. You need to consider various factors before investing in the right medical coverage. Review the following factors to understand and compare medical insurance plans effectively.
Verify Eligibility
Health policies have different entry age restrictions. For Care Health, the entry age is 91 days on a floater basis.
Ensure Maximum Coverage
Check the coverage your health insurance provides. Care Health, for example, covers pre- and post-hospitalization expenses, diagnosis expenses, and annual health check-ups.
Look for Affordable Premiums
Note the premiums you need to pay. Care Health provides a digital portal for premium calculation.
Check for Exclusions
Check the exclusion list before choosing a healthcare policy. There are certain conditions under which claims cannot be made.
Understand the Co-Payment Clause
It is advisable to check the co-payment clause before investing in insurance.
Choose a Wide Cashless Hospital Network
Check the network hospitals offered by the insurance provider. Ensure they have a good number of reputed cashless hospitals on their list.
Look for a Higher Claim Settlement Ratio
The claim settlement ratio reflects the company's reliability. A higher claim settlement ratio indicates greater reliability.
Why Care Health Claims Get Rejected
In FY 2024-25, Care paid 14,36,282 claims and repudiated 46,710 (IRDAI).
Reason
How to Avoid
Pre-existing disease not disclosed
Declare every condition and medication in the proposal form
Claim made during a waiting period (30 days / 2 years / 3 years)
Hospitalisation not medically required (OPD-type care)
Hospitalisation must be on a doctor's advice
Non-network or blacklisted hospital used for cashless
Use a network hospital, or claim reimbursement instead
Why Buy Care Mediclaim Policy Online?
Choosing an online platform is the easiest way to save time and effort in this digitally-equipped world. Here are several reasons to opt for the online procedure:
Convenient Policy Selection
You can schedule appointments with experts to understand policy details. You can study, compare, choose, and pay for your insurance conveniently online.
Chat Options for Queries
The teams at Care Health Insurance and PolicyX are always available for queries regarding policy terms and conditions. With live chat options, you can discuss any policy-related matter at your convenience.
Instant Premium Quote Calculations
The digital premium calculator helps you estimate premiums and choose customized healthcare insurance for your family.
Secure Payment Modes
Care Health Insurance's policy portal offers various secure digital payment modes, such as credit/debit cards or net banking. You will receive authentic policy documents immediately after payment. This allows you to get an instant mediclaim policy in less than an hour.
Transparent Policy Evaluation
Care Health ensures a transparent policy evaluation process. All terms and conditions are readily available for your reference.
Readily Available Value-Added Services
You can explore other add-on benefits while browsing mediclaim policies. These include OPD care, co-payment waiver, and reduced waiting periods for pre-existing diseases, among others, to cover all needs.
Documents Required for Care Health Policy Claim Settlement
Submit the following documents when filing Care Health claims:
Duly completed and signed claim form (original)
Valid photo ID proof
Medical practitioner's referral letter and prescription
Original bills, receipts, and discharge cards from the hospital/medical practitioner
Original bills from pharmacy/chemists
Original pathological/diagnostic test reports/radiology reports and payment receipts
Indoor case papers
First Information Report (FIR) and final police report, if applicable
Post-mortem report, if conducted
Any other document as required by the company to assess the claim
How to Calculate Care Health Insurance Policy Premiums?
Compare and calculate Care Health Insurance policy premiums using the PolicyX premium calculator with these simple steps:
Fill in details such as name, number of family members to be covered, city, and other relevant information.
Click on 'Get Quotes'.
For inquiries about Care Health Insurance policy premiums, connect with PolicyX health insurance experts at 1800-4200-269.
Care Health Insurance Plan Claim Process Steps
You can file for both cashless and reimbursement claims for your Care Health Insurance Plans by following these easy steps:
Visit the website of Care Health Insurance and select the "Claim" option. Then click on "Claim Intimation" to access the form.
Next, select "health claim" and provide the requested information, including policy number, date of birth, and other details.
Select the "claim type" – either cashless or reimbursement. Click to authorize, and you will receive an OTP on your verified number.
Verify with the OTP, then fill in the required hospital admission information. Select the hospital and provide hospital details if it's a non-network hospital.
Upload the requested documents and click the "review" button.
After reviewing, submit the intimation for the company's review. You will receive a claim intimation number, which you should note down for future reference.
Care Health Insurance Renewal Process
Follow these steps for Care Health Insurance policy renewal:
Visit the official website of Care Health Insurance Company.
Click on the ‘Renew’ tab.
Enter your Policy Number and Date of Birth.
For assistance with Care Health Insurance policy renewal, connect with our insurance experts at 1800-4200-269.
How to Port to Care Health Insurance?
To port your existing policy to Care Health Insurance, follow these steps:
Fill out the portability form and send the application to Care Health at least 30 days, but not earlier than 60 days, before your existing plan’s renewal date.
As per IRDAI guidelines, the new insurance company will cross-check your medical and claims history with the previous insurer within 7 days of receiving the portability form.
Once the policyholder's details are verified, the new insurance company must communicate its decision – either approval or rejection – within 15 days.
All 17 Care Health Insurance plans
Every plan currently being sold by Care Health Insurance, shown side-by-side so you can shortlist quickly.
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The 24 most-asked questions about Care Health Insurance, answered.
The claim settlement time depends on the type of claim, documentation, verification, and policy terms. Once the claim is approved, the amount is paid as per the applicable process.
Yes, it is possible to get global coverage under the Care Global variant of the Care Plan.
For emergency hospitalisation, the insurer should generally be informed as soon as possible, as specified in the policy terms. The exact intimation period can vary by plan.
You need to file a claim within 15 days after getting discharged from the hospital.
You can track your claim status through Care Health Insurance's official website, customer service channels, or other claim-tracking options provided by the insurer.
There is no upper age limit.
The minimum entry age is 91 days for children (on a family floater) and 18 years for adults.
Yes, you can take health insurance plans for 5-year-old kids by adding them to family floater plan.
You can request an increase in sum insured at renewal, subject to the insurer's terms and eligibility requirements. The increased coverage may be subject to additional premium and applicable conditions.
Care Health Insurance offers comprehensive health insurance plans for you and your family members. Individuals can customize their sum insured, features, and add-ons. With a hassle-free claim settlement process, Care Health stands out from the rest of the insurers in the market.
Ultimate Care is the latest insurance plan launched by Care Health Insurance in January 2025. The plan offers ground-breaking features like an infinity bonus, unlimited e-consultations, a money-back feature to stay healthy, and more.
Care Health Insurance is a health insurance provider offering plans that cover eligible medical and hospitalisation expenses, subject to the policy's terms, conditions, and exclusions.
Yes. Care Health Insurance was previously known as Religare Health Insurance. The company rebranded to Care Health Insurance in 2020, while its existing policies and services continued without interruption.
Care Health Insurance offers plans for individuals, families, senior citizens, critical illnesses, top-up coverage, and other specific healthcare needs. Available plans and features may vary.
Care is a good choice for most buyers. It has a 96.74% claim settlement ratio and 22,100+ network hospitals, and it paid 96.85% of claims in FY 2024-25. Its solvency ratio of 1.68x is lower than some peers but above IRDAI's 1.5x requirement.
You can file a claim by informing Care Health Insurance through its customer support, website, mobile app, or TPA. For cashless claims, notify the insurer before hospitalisation. For reimbursement claims, submit the required documents after treatment.
Care Health Insurance offers access to 22,100+ cashless healthcare providers across India, enabling policyholders to receive cashless treatment at empanelled hospitals.
According to IRDAI, Care Health Insurance’s incurred claim ratio for FY 2024-25 is 65.10%.
Care Health Insurance is owned by Religare Enterprises Ltd. It was called Religare Health Insurance until 2020.
Care has a higher CSR (96.74% vs 86.34%) and more network hospitals (22,100+ vs 16,000+). Star has more branches (913) and a higher solvency ratio (2.21x).
Their CSRs are close (96.74% vs 97.37%). Care has a larger hospital network. HDFC ERGO has a higher solvency ratio (2.00x vs 1.68x).
Care Supreme suits most families. Ultimate Care offers the most bonuses. Care Freedom is built for people who already have conditions. Care Supreme Enhance is a low-cost top-up.
Yes. Care has paid at least 87% of claims every year since FY22, and 96.85% in FY 2024-25. Most rejections come from undisclosed conditions or waiting periods.
It was 1.68x in March 2025, above IRDAI's minimum of 1.5x.
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