Care Health Insurance
With an extraordinary 100% claim settlement ratio for the last 3 years, Care Health Insurance is hard to miss for policyholders! They offer customer-c...Read More
Network hospitals
24800+
Claim settlement ratio
100%
Sum insured
Up to 1 Cr
No. of Plans
16
Solvency Ratio
1.8
Pan India Presence
158+
Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
Reviewed By:
Naval Goel, the founder of PolicyX is a well-recognised name in the Indian insurance and finance industry. His global overview has revolutionised the way insurance is perceived and bought by commoners in India.
Updated on Aug 07, 2023 4 min read
Content Manager with heart, mind, and soul dedicated to creating impactful content that exceeds the market standard, delivers and reaches the readers conveniently. Besides producing high-ranking content, my focus lies in creating content that solves user queries and adds value.
Written By: Himanshu Kumar
Updated on Jan 15, 2025
Content Manager with heart, mind, and soul dedicated to creating impactful content that exceeds the market standard, delivers and reaches the readers conveniently. Besides producing high-ranking content, my focus lies in creating content that solves user queries and adds value.
Reviewed By: Anchita Bhattacharyya
15 min read
Care Health Insurance
Care Health Insurance offers cashless treatments across 24,800+ network hospitals across India. It was known as Religare Health Insurance previously. Care Health was formed in 2012 as a subsidiary of Religare Enterprises but in 2020 it got a new name- "Care Health Insurance." Since that day, Care Health Insurance has been working to create products that will take care of your finances regarding medical expenses and yes, it is one of the top stand-alone companies whose claim settlement ratio has been 100% for the last 3 years.
Buying Care Health Insurance plans ensures you have 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 related to family health insurance, critical illness coverage, personal accident, super top-ups, and maternity insurance along with micro-insurance products for rural areas. With Care Health Insurance you can feel safe when in need. You need to pay the amount as premiums and during times of need, the company will pay the bills. That's how care health insurance works.
What are some of the
Features
that set them apart?
-
1
100% Claims Settlement Ratio
-
2
A comprehensive wellness system to promote a healthy lifestyle
-
3
Unlimited automatic recharge
-
4
Unlimited access to network fitness centers
-
5
Efficient Care Health App
Care Health Insurance Awards and Accolades.
- Best Health Insurance Company of the Year at the India Insurance Summit and Awards 2023
- Smart Insurer of the Year and Sales Champion of the Year Awards 2022
- 'e4m Pride of India - The Best of Bharat Awards 2022'
- Best Health Insurance Product and Best Health Insurance Agents Awards 2021
- 'Best BFSI Brands 2019' by Economic Times
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Best Selling Care Health Insurance Plans
Let's take a look at the list of health insurance plans that offer comprehensive protection to you and your family
-
Individual and Family Health Insurance
Care Health Insurance Plans Eligibility Approximate Annual Premiums Care Ultimate Care Plan Entry Age - Min: Child-91 days; Adult- 18 years, Maximum: Child-24 years, Adult- Lifelong
Sum Insured - Up to 1 CrRs. 6491
Care Plus Plan Entry Age - 5 Years to No age limit
Sum Insured - Up to 25 LRs. N/A
-
Critical Illness Health Insurance
Care Health Insurance Plans Eligibility Approximate Annual Premiums Care Heart Plan Entry Age - Min-18 Years, Max-Lifelong
Sum Insured - Up to 10 LRs. NA
Care Critical Mediclaim Entry Age - 5 to 50 Years
Sum Insured - Up to 2 CrRs. N/A
-
Family
Care Health Insurance Plans Eligibility Approximate Annual Premiums Care Classic Entry Age - Min- 91 days, Max- 64 years
Sum Insured - Up to 15 LRs. 8492
Care Enhance Plan Entry Age - Day 1 to no age bar
Sum Insured - Up to 55 LRs. 3794
-
Women Health Insurance
Care Health Insurance Plans Eligibility Approximate Annual Premiums Care Joy Plan Entry Age - 18 to 65 Years
Sum Insured - Up to 5 LRs. 54,298
-
Senior Citizen Health Insurance
Care Health Insurance Plans Eligibility Approximate Annual Premiums Care Senior Entry Age - 61 Years - No max age limit
Sum Insured - Up to 10 LRs. 14,448
-
Accident Health Insurance
Care Health Insurance Plans Eligibility Approximate Annual Premiums Care Secure Personal Accident Entry Age - 18 to 70 Years
Sum Insured - Up to 25 CrRs. N/A
Key Features Of Care Health Insurance
Let us take a look at some unique features of top-selling Care Health Insurance policies:
For Individual and Family Health Insurance
Care Ultimate Care Plan
The Ultimate Care health insurance plan by Care Health is designed to provide comprehensive coverage to the policyholder with a range of benefits. This revolutionary plan rewards you for staying healthy with the moneyback and loyalty benefits.
Why Do We Recommend This?
- Newborn-wait period benefits
- Health services
- Lifelong coverage
For Critical Illness Health Insurance
Care Heart Plan
Care Heart provides the flexibility to choose from benefits like Active heart health check-ups, OPD care, Home Care, International 2nd opinion and more according to the plan suitable for your needs. Care Health Insurance is designed to serve the insurer in terms of cardiac ailments.
Why do we recommend this?
- Tax benefits
- Knee replacements
- Health check-ups
For Family
Care Classic
Care Classic is a zone-based family health insurance plan that is ideal for joint families, married couples etc. Care Classic health insurance is a family floater health plan ideal for married couples, joint families, and young and grown-up families.
Why do we recommend this?
- OPD Benefits
- Annual Health Check-up
- ICU Charges
For Women Health Insurance
Care Joy Plan
Care Joy health insurance is designed specifically for expecting mothers and their newborns to offer them several well-known benefits. It covers the cost of normal delivery and caesarean delivery along with the other delivery-related expenses.
Why Do We Recommend This?
- Maternity Cover
- Newborn Cover
- Daycare Treatments
For Senior Citizen Health Insurance
Care Senior
Comprehensive health insurance covers road traffic accidents and assisted reproductive treatments. The plan offers a 5% discount on premiums for maintaining a healthy lifestyle.
Why Do We Recommend This?
- Avail cataract treatments for covered members
- Emergency domestic evacuation is available
- Compassionate travel
For Accident Health Insurance
Care Secure Personal Accident
Care Secure personal accident policy covers accidental death, permanent and temporary partial/total disability, recovering treatment costs, accidental burns, fractures, mortal remains mobility, and much more.
Why Do We Recommend This?
- Accidental death (AD)
- Accidental total disablement (ATD)
- Permanent total disablement (PTD) improvement
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:
Individual and Family Health Insurance
The Ultimate Care health insurance plan by Care Health is designed to provide comprehensive coverage to the policyholder with a range of benefits. Thi...
Unique Features
- Moneyback benefits
- Newborn coverage
- Medi vouchers
Care Ultimate Care Plan (Pros)
- Ambulance cover
- Discounts
- Loyalty boost
- New born cover
Care Ultimate Care Plan (Cons)
- OPD not covered
- Cosmetic surgeries
- Congenital diseases
Care Ultimate Care Plan (Other Benefits)
- MedVoucher
- Cumulative bonus
- Doctor on chat
Care Ultimate Care Plan (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - No Age Limit
- SI - 5 L to 1 Cr
- Waiting Period - 30 Days
Critical Illness Health Insurance
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...
Unique Features
- Coverage for OPD
- Home care available
- International 2nd opinion
Care Heart Plan (Pros)
- Cardiac health check up
- Second medical opinion
- Automatic SI restoration
- Lifelong cover
Care Heart Plan (Cons)
- Change of gender treatment
- Obesity treatment unavaialable
- Hazardous activity not covered
- HIV/AIDS not covered
Care Heart Plan (Other Benefits)
- OPD care
- Home care
- International 2nd opinion
- Automatic recharge
- High SI
Care Heart Plan (Eligibility Criteria)
- Entry age- 18 years
- Max entry age- No age limit
- SI- 3 to 10 L
- Waiting period- 30 days
Individual and Family Health Insurance
Care Plus health insurance is a complete healthcare plan that is loaded with features and protects you and your family. Care Plus offers comprehensive...
Unique Features
- Comprehensive coverage
- No upper age limit
- Variants on Sum Insured
Care Plus Plan (Pros)
- Ambulance cover
- Day care treatments
- Domiciliary hospitalization
Care Plus Plan (Cons)
- Illegal activities
- alcohol abuse
- obesity treatment
Care Plus Plan (Other Benefits)
- Personal accident cover
- Inflation shield
- Health services
Care Plus Plan (Eligibility Criteria)
- Min entry age: 5 Years
- Max entry age: No limit
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 25 L
Family
Get coverage based on your residential zone. Care Classic health insurance is a family floater health plan ideal for married couples, joint families, ...
Unique Features
- IVF treatment cover
- Free doctor consultation
- Discounted premiums
Care Classic (Pros)
- Room rent covered
- Day care treatment
- Advanced technology methods
- ICU charges
Care Classic (Cons)
- Global coverage
- Air ambulance
- Vaccination
- Daily hospital cash
Care Classic (Other Benefits)
- AYUSH treatment
- IVF treatment
- Cataract
- No claim bonus
Care Classic (Eligibility Criteria)
- Min. entry age: 18 Years
- Max. entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 15 L
Family
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 ...
Unique Features
- Flexible deductible
- Modern treatments
- No pre-medical check-ups
Care Enhance Plan (Pros)
- Covers modern treatment
- Flexible options of deducton
- No pre-policy medical test
- Annual health check-up
- Floater option
Care Enhance Plan (Cons)
- Change of gender treatments
- Obesity treatment unavailable
- HIV/AID not covered
Care Enhance Plan (Other Benefits)
- High sum insured
- Organ donor expenses
- Expert opinion cover
- Cashless treatment
Care Enhance Plan (Eligibility Criteria)
- Entry age- 5 years
- Max entry age- No age limit
- SI- 1 L to 55 L
- Waiting period- 30 days
Women Health Insurance
An ideal combination of hospitalization and maternity care. Care Joy health insurance is designed specifically for expecting mothers and their newborn...
Unique Features
- Newborn baby cover
- 541 Daycare treatments
- Modern treatments cover
Care Joy Plan (Pros)
- 2 Plan variants
- New born cover
- Maternity cover
Care Joy Plan (Cons)
- Illegal activities
- Alcohol abuse
- Ambulance cover
Care Joy Plan (Other Benefits)
- No claim bonus
- Renewal
- Lifelong renewability
Care Joy Plan (Eligibility Criteria)
- Min entry age: 18 Years
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 5 L
Individual and Family Health Insurance
Single health insurance to cover all family members. Care health insurance plan is a comprehensive medical policy for individuals and families. It is ...
Unique Features
- No claim bonus up to 100%
- Annual health check-ups
- Personal accident cover
Care Plan (Pros)
- In-built maternity cover
- No upper age limit for enrollment
- Coverage for modern treatment
- Pre-existing diseases
Care Plan (Cons)
- War
- Riot
- AIDS
- Miscarriage
- Congenital disease
Care Plan (Other Benefits)
- Lifelong renewability
- ICU charges
- Day care treatment
- Ambulance cover
- Organ donor cover
Care Plan (Eligibility Criteria)
- Min entry age: 91 days
- Max entry age: No limit
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 6 Cr
Senior Citizen Health Insurance
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...
Unique Features
- No pre-policy check-up
- Annual rewards available
- Reduction in wait period
Care Senior (Pros)
- Affordable premiums
- Day care treatments
- ICU charges
Care Senior (Cons)
- Illegal activites
- Adventure sports
- Alcohol abuse
Care Senior (Other Benefits)
- No-claim bonus
- Second opinion
- Alternative treatments
Care Senior (Eligibility Criteria)
- Min entry age: 61 Years
- Max entry age: No Limit
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 10 L
Critical Illness Health Insurance
Critical Mediclaim Care health insurance policy gives you protection against 32 defined critical illnesses based on an indemnity plan. This super-faci...
Unique Features
- 32 Critical illnesses cover
- Dialysis expenses covered
- Avail psychiatric counselling
Care Critical Mediclaim (Pros)
- Wellness benefits
- Organ donor cover
- 32 CI covered
Care Critical Mediclaim (Cons)
- Obesity treatment
- alcohol abuse
- illegal activities
Care Critical Mediclaim (Other Benefits)
- Global coverage
- International opinion
- Doctor on call
Care Critical Mediclaim (Eligibility Criteria)
- Min entry age: 5 Years
- Max entry age: 50 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 2 Cr
Individual and Family Health Insurance
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)
- 2 plan variants
- Consumable allowance
- Annual health check-up
- Long term discounts
Individual and Family Health Insurance
Care Supreme is an extensive coverage health insurance plan that safeguards you and your family members without worrying about your future healthcare ...
Unique Features
- Unlimited E-consultations
- Automatic Restoration
- Wellness Benefits
Care Supreme Plan (Pros)
- Modern treatments
- Renewal discounts
- Unlimited e-consultation
Care Supreme Plan (Cons)
- Illegal activities
- alcohol abuse
- obesity treatments
Care Supreme Plan (Other Benefits)
- Ambulance cover
- Doctor on chat
- Maternity care
Care Supreme Plan (Eligibility Criteria)
- Min entry age: 18 Years
- Max entry age: No age limit
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 1 Cr
Accident Health Insurance
Care Secure personal accident policy covers accidental death, permanent and temporary partial/total disability, recovering treatment costs, accidental...
Unique Features
- PTD & PPD cover
- Cover for child education
- 100% accidental death payout
Care Secure Personal Accident (Pros)
- Accidental death
- Accidental total disablement
- Permanent total disablement
Care Secure Personal Accident (Cons)
- Illegal activities
- Alcohol abuse
- Obesity treatment
Care Secure Personal Accident (Other Benefits)
- Accidental hospitalisation
- Tax benefits
- Loyalty benefit
Care Secure Personal Accident (Eligibility Criteria)
- Min entry age: 18 Years
- Max entry age: 70 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 50 L
Critical Illness Health Insurance
Worried about cancer in your bloodline? Care Cancer Mediclaim has got you covered. Cancer can be defined as distress, hopelessness and loss. There cou...
Unique Features
- Wide SI options
- Lifelong renewability
- Cancer-related global coverage
Cancer Mediclaim Policy (Pros)
- Annual health checkup
- Chemo and radiotherapy cover
- Air ambulance cover
- Chemo and radio therapy
- Organ donor cover
Cancer Mediclaim Policy (Cons)
- Change of gender treatment
- Obesity treatment unavailable
- HIV/AIDS not covered
- Cosmetic surgery unavailable
Cancer Mediclaim Policy (Other Benefits)
- International second opinion
- Doctor on call
- Air ambulance cover
- OPD cover
Cancer Mediclaim Policy (Eligibility Criteria)
- Entry age- 5 years
- Max entry age- 50 years
- SI- 10 L to 2 Cr
- Waiting Period- 30 days
Individual and Family Health Insurance
Care Advantage Health Insurance is an ideal 1 Crore option so that a policyholder's family is adequately covered. Care Advantage health insurance offe...
Unique Features
- High sum insured
- 540+ procedures covered
- Organ donation cover
Care Advantage Plan (Pros)
- No bonus claim up to 50%
- Automatic SI recharge
- Organ donor cover
- Automatic recharge
- High SI
Care Advantage Plan (Cons)
- 20% co-pay
- Obesity treatment unavailable
- Hazardous activity not covered
Care Advantage Plan (Other Benefits)
- Ambulance cover available
- Optional cover available
- Co-pay waiver
- Room rent modification
Care Advantage Plan (Eligibility Criteria)
- Entry age- 91 days
- Max entry age- Lifelong
- SI- 25 L to 6 Cr
- Waiting Period- 30 days
Individual and Family Health Insurance
Care Operation Insurance Plan is designed specifically to offer you surgical operations coverage. A wide range of sum insured options are available ra...
Unique Features
- Unlimited E-consultations
- Automatic Restoration
- Wellness Benefits
Care Operation Insurance (Pros)
- Health services
- Air Ambulance cover
- Chemotherapy cover
Care Operation Insurance (Cons)
- Illegal activities
- Alcohol abuse
- Obesity treatments
Care Operation Insurance (Other Benefits)
- Dialysis cover
- Second opinion
- Organ donor cover
Care Operation Insurance (Eligibility Criteria)
- Min entry age: 5 Years
- Max entry age: 50 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 2 Cr
Individual and Family Health Insurance
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
Recommended Videos
Care Health Insurance Plan Detailed Review
Care Health Insurance Explained
Care Health Insurance Review
Why Choose Care Health Insurance?
- Versatile and affordable health insurance plans for every need
- 24X7 customer support for easy claim settlement
- Over 24800 network hospitals all over India
- Offers comprehensive coverage at affordable premiums
- Tax benefits under Section 80D of the Income Tax Act
Why Choose Care Health Insurance?
Care Health Insurance is known for its products that have shown remarkable change in the insurance world. They have significantly designed each of their product for everyone. There are several reasons why you should buy Care Health Insurance plans. Let us read below-
-
Comprehensive Health Insurance Plans
Care Health insurance strives to provide the best plans with wider coverage. You can get in-patient expenses, pre-post hospitalization, domiciliary hospitalization, and whatnot. Even they cover AYUSH treatments as well. -
Affordable Premiums
Care Health plans provide extensive coverage for everyone in your family at extensive premiums starting at Rs 21 a day. -
Catering 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 get to choose from a number of available options. -
Complete Family Coverage
Their Health plans for family allow you to protect your family from unnecessary hospital expenses. There is a plan that says, Senior Citizen health insurance, which provides a sum insured up to Rs 6 crores. So, now you can pick a plan that is suitable for you and your family. -
Wide Network of Hospitals
With a wide network of more than 24800+ cashless healthcare providers, Care Health makes sure that you will get extensive care when in need. Hence, just pay your premiums to the insurance company and they will take care of the bills when there is a need. -
Hassle-Free Claim Procedure
With the introduction of both offline and online claim filing options, Care Health makes the claim process extremely easy. This shows how much they care about your time thus they make sure and try their best to settle the claim within 6 hours that too without a lot of paperwork. -
Efficient Customer Care Support
Many questions arise when we are going to buy something. The same is true with health insurance. But no need to worry, the very supportive guides at Care Health and PolicyX are there to help you. You can call us anytime and get your queries resolved. -
Add-On Benefits
Care health insurance makes sure that its customers receive the best quality medical facilities. Along with the standard range of policy offerings, they have complemented the policies with many add-on perks with their products, such as,- Instant cover
- Air-ambulance cover
- Claim Shield
- Co-payment waiver for senior citizens
- Annual Health Check-up
- Reduction in the PED waiting period
- No claim bonus super
What is Covered?
Pre and Post Hospitalization Expenses
Care Health Insurance understands the impact of rising medical expenses, thus they have made sure that their insurance products contain pre and post-hospitalization expenses related to in-patient hospitalization.
AYUSH Treatments
Most Care Health Insurance plans have in-built alternative treatment covers that you can utilize to your benefit. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.
Hospitalization Expenses
Care health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
Day Care Treatments
Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the Care health insurance plans are designed to cover daycare procedures for policyholders.
Domiciliary Hospitalization
On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. Care health insurance plans cover domiciliary hospitalization up to specified sub-limits.
What is not Covered?
Self Inflicted Injuries
Care health policies will not cover injuries or hospitalization caused by self-harm.
Cosmetic Procedures
Care Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.
Adventure Sports
Care Health Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.
Obesity or Weight Control Treatments
Care Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.
Involvement In Illegal Activities
Care health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to 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
Begins from the date of purchase and lasts for up to 30 days for most Care Health Insurance plans.
Pre-existing Disease Waiting Period
Care Health Insurance plans require you to serve specific waiting periods in case you are diagnosed with PEDs such as hypertension, diabetes, or any other.
Survival Period
Like waiting periods, Care health insurance plans with critical illness coverage have a survival period. During this period policyholders diagnosed with any listed critical illness must outlive the survival period to enjoy coverage benefits.
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.
Care Health Insurance Plans Buying Process
If you are looking forward to purchasing Care Health insurance online follow the simple steps below:
- Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
- Step 2
Click on 'Get free quotes' and compare Care Health Insurance Plans as per your needs.
- Step 3
Select and pay premiums online for the purchased Care health insurance plan of your choice.
- Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of 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. Study the scheme for the following advantages to understand and compare the best medical insurance in India.
-
Verify Eligibility
Health Policies come up with different entry age restrictions. In Care Health, the entry age is 91 days on a floater basis. -
Ensure the Maximum Coverage
Check out the coverage your health insurance is providing. Like Care Health provides pre and post-hospitalization expenses, diagnosis expenses, and annual health checkups. -
Look for Affordable Premiums
Keep a note of the premiums that you need to pay. Care Health provides a digital portal where you can calculate the premiums. -
Check for the Exclusions
You need to check for the exclusion list before choosing the health care policy. There are certain conditions under which you cannot make the claim. -
Understand the Co-Payment Clause
It is advised to check the co-payment clause before you invest in the insurance. -
Select Wide Cashless Network Hospital
Check for the network hospitals the insurance providers are offering. Ensure the number of reputated cashless hospitals they have on the list. -
Bid for Higher Claim Settlement Ratio
The claim settlement ratio is the company's face value. The higher the claim settlement ratio, the higher the company's value. Care Health Insurance promises the highest claim settlement ratio of 100%.
Why Choose the Online Procedure to Buy Care Mediclaim Policy?
Choosing an online platform is the easiest way to save time and effort in this digitally-equipped world. There are many reasons why you should opt for the online procedure-
-
Convenient Policy Selection
You can schedule unlimited appointments with the experts to understand the policy details. You can study, compare, choose, and make payments for your insurance anywhere on the online portal. -
Chat Options for Queries
The team of Care Health Insurance and PolicyX is always available for all your queries concerning the terms and conditions of the policies. With the live chat options, you can discuss any policy-related matter at your convenience. -
Instant Premium Quote Calculations
You will get the digital premium calculator to help you elevate your premiums and opt for customized healthcare insurance for you and your family members. -
Secure Payment Modes
The policy portal of Care Health Insurance offers various digitally secure payment modes, such as credit/debit cards or net banking. You will receive authentic policy documents immediately after completing the payment. This way you can get an instant mediclaim policy in less than an hour. -
Transparent Policy Evaluation
Care Health promises a transparent policy evaluation process. All the terms and conditions are ready for your reference. -
Readily Available Value-Added Services
You can check out other add-on benefits while browsing mediclaim policies. These include OPD care, a co-payment waiver, and a reduced wait time for pre-existing diseases, among others, to cover all the needs.
Care Health Insurance Renewal Process
Follow the steps for Care Health Insurance policy renewal
- Step 1
Visit the official website of Care Health Insurance Company
- Step 2
Click on the ‘Renew’ tab
- Step 3
Mention your ‘Policy Number’ and ‘Date Of Birth’
Connect with our insurance experts for Care health insurance policy renewal at 1800-4200-269
Care Health Insurance Plan Claim Process Steps
You can file for cashless as well as reimbursement claims for your Care Health Insurance Plans by following these easy steps:
- Step 1
Visit the website of Care Health Insurance, and select the "Claim" option. Then click on the "Claim Intimation" to check out the form.
- Step 2
Now select "health claim" and require the information which is the policy number, date of birth, and other details they ask for.
- Step 3
Now select the "claim type", whether you want to opt for a cashless claim or reimbursement. Click on the authorize and you will receive the OTP on the verified number.
- Step 4
Get verified with the OTP and fill in the required hospital admission information, select the hospital, and fill in the hospital details in case of a non-network hospital.
- Step 5
Upload the documents asked and click on the "review" button.
- Step 6
After clicking on the review button you need to submit the intimation for the company to review. You will receive a claim intimation number which you need to note down for future purposes.
Documents Required For Care Health Policy Claim Settlement
Submit the following documents when filing for Care health claims:
- Duly completed and signed claim form, in 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 tests reports/radiology reports and payment receipts
- Indoor case papers
- First Information Report, final police report, if applicable
- Post-mortem report, if conducted
- Any other document as required by the company to assess the claim
How To Port To Care Health Insurance?
To port your existing policy to Care Health Insurance, follow the steps mentioned below:
- Step 1
Fill out the portability form, and send the application to Star Health Insurance Company 45 days before the date of your existing health plan renewal.
- Step 2
As per the guidelines of IRDAI, the new insurance company will cross-check your medical and claims history from the previous insurer within 7 days of receiving the portability form.
- Step 3
Once the policyholder's details are verified, the new insurance company has to communicate its decision - either approval or rejection - within 15 days.
More Queries?
If you have any more queries regarding
Plans,
Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269
now!
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Written By: Simran Saxena
Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
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