With an extraordinary 100% claim settlement ratio for the last 3 years, Care Health Insurance is hard to miss for policyholders! They offer customer-centric coverage for personal accidents, critical illnesses, maternity & so on. Care Health Insurance is hugely popular among today's consumers, thanks to its assorted health plans backed up by 24x7 customer support.
With an extraordinary 100% claim settlement ratio for the last 3 years, Care Health Insurance is hard to miss for policyholders! They offer customer-centric coverage for personal accidents, critical illnesses, maternity & so on. Care Health Insurance is hugely popular among today's consumers, thanks to its assorted health plans backed up by 24x7 customer support.
Care Health Insurance formerly known as Religare Health is now offered by Care Health Insurance Limited. Originally, 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 has been working to create products that will take care of your finances when it comes to 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.
What Does Care Health Insurance Do?
Care 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.
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Smart Insurer of the Year and Sales Champion of the Year at the Economic Times Insurance Summit and Awards 2022.
Best Health Insurance Product and Best Health Insurance Agents awards at the Insurance Alertss Awards 2021.
Best Health Insurance Products Award at FICCI Healthcare Excellence Awards 2019.
A Quick Outlook
Cashless Claim Settlement
Within 6 hours
Minimum Entry Age
91 days
Maximum Entry Age
No Limit
Sum Insured
Upto 1 Crore
Network Hospital
22900+
Tax Benefits
Upto 1 Lakh
Solvency Ratio (2021-22)
1.81 %
Claim Settlement Ratio (2021-22)
100 %
Ambulance Expenses
Covered
Coverage for Accidents
Yes
Care Health Insurance Plans
Care Health Insurance offers some of India's best health insurance plans which are designed to meet our demands of medical needs. To cater to different needs, Care segregated its plans into different types:
Individual Health Cover
Individual Health Cover, as the name suggests, this type of coverage provides protection for one person. If you are a young individual with no medical conditions, this healthcare coverage is for you. This individual health insurance policy assures the entire sum insured only for covering your medical expenses.
Family Floater Health Plans
As the name suggests family floater health insurance provides coverage to the 5 members of your family against a single sum insured. You can add multiple nominees to this kind of plan and the premium amount is extremely low as the sum insured is shared among all the members under the plan.
Senior Citizen Health Cover
You might have heard that there are no insurance options for senior citizens. But. this is not true, Care's senior citizen health insurance plans offer specialized healthcare services for those who are 60 years and above. This health insurance for senior citizens offers financial assistance to you at an early age or to your parents. Gift them a healthy and peaceful life after retirement.
Maternity Insurance Plans
Care health insurance understands the importance of motherhood and the complications related to the childbirth procedure. Therefore, they provide a sound medical policy that covers the best hospitals for your pregnancy-related expenses. Maternity insurance makes sure that you get premium medical facilities at a very affordable rate for mother and child. So, it is suggested to buy maternity insurance before getting married so that you can complete the waiting period and make the most out of your coverage.
Insurance for Pre-Existing Diseases
Pre-existing diseases are the diseases, that are there when you are buying the insurance. Care health insurance provides insurance for pre-existing diseases as well with a reduced waiting period. These healthcare plans have diverse features like daycare treatments, home care, annual health check-ups, and much more.
Critical Illness Plans
Diseases like cancer, stroke, heart ailments, and similar diseases can take away all your savings in medical treatments. Care medical insurance for critical conditions covers the treatment of the diseases. You can use this saved insurance money for the treatment or any other related requirements.
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
Why Choose Care Health Insurance?
A specialized health insurance in India, Care Health 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 a number of reasons why you should go for Care Health Insurance. 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 actually provides extensive coverage for everyone in your family at extensive premiums starting at Rs 21 a day.
Catering 360-Degree Requirements
With Care Health Insurance you can customize your insurance 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 22900 cashless healthcare providers with 9747+ network hospitals 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
Know What is Covered- Inclusion
In-Patient Hospitalization
Your room rent, ICU charges, doctor's fees, and other in-patient service charges during any planned or emergency hospitalization will be covered.
Coronavirus Treatment
Recently we learned that the treatment for COVID-19 is very costly, but Care Health covers it all. From hospitalization to medical expenses, your own insurance will be there to support you.
Pre-Hospitalization Medical Expenses
Care Health covers your medical expenses incurred prior to hospitalization such as doctor's consultations, medical tests, and medication up to 60 days before the admission to the hospital
Post Hospitalization Medical Expenses
Post-hospitalization medical expenses such as follow-up visits and medical tests can be taken care of by your health insurance company up to 180 days immediately after getting discharged from the hospital.
Advanced Medical Treatment
Having health insurance allows you to access advanced medical care. It covers a modern set of treatments like robotic surgeries, chemotherapies, and much more.
Daily Allowance
Hospitalization and medical procedures are tough and might restrain you from going to work and earning money. Therefore, Care health providers came up with this plan, which provides a fixed amount to cover further expenses.
Domiciliary Hospitalization
It becomes really difficult to manage a lifestyle when we become old. Having health insurance can make the rest of your life easy when you are not able to take care of yourself. Domiciliary hospitalization covered by Care Health Insurance offers expenses to ensure uninterrupted medical coverage as per terms.
AYUSH Treatments
With the Care Health Insurance cover, you can treat your ailments with a combination of modern and traditional methods of treatment.
What is not Covered?- Exclusions
Self-inflicted injuries like suicide.
Any disease, surgery, or medical events, occurring within 30 days of the policy start date.
Diseases or expenses happening due to overdose on alcohol or drugs.
Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion, and its consequences.
Tests related to infertility and in vitro fertilization.
Hospitalization related to war, riots, strikes, nuclear weapons.
Waiting Period in Care Health Insurance
When you buy a policy, your coverage does not start immediately after the issuance. There is a time frame that you need to complete before the coverage of this policy begins. This time period is called the waiting period in Care Health Insurance. At this time you cannot claim the money. The range and time period of the waiting period depend on various factors like policy, coverage, and types of diseases.
Let us check out some of the types of waiting periods:
Initial Waiting Period
The time period in the initial waiting period starts immediately after you get the policy. Most of the time it is 30 days from the date you get the policy.
Waiting Period for Pre-Existing Diseases (PED)
For pre-existing diseases such as diabetes and hypertension, a longer waiting period of 2 to 4 years is initiated. During this time, you cannot claim your hospitalization or treatment expenditure.
Waiting Period for Maternity Cover
The waiting period for maternity cover is between 9 to 12 months from the date you bought the policy.
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 the 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 settle 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.
Benefits of Purchasing Health Insurance at an Early Age
Although, there are no specific age criteria for buying health insurance plans. But buying insurance at an early age is highly beneficial. Read below to get to know why buying health insurance at an early age is beneficial.
Your premiums will be less at an early age.
At an early age, a continuous cover with renewals will help you to go out with the waiting period.
No medical test is required if you purchase health insurance at an early age.
You can avail a no-claim bonus for every claim-free year.
You do not need to share your medical bills as the co-payment is not applicable in this case.
How to Renew Health Insurance Policy?
As the term policy ends, you need to renew it in order to continue the uninterrupted healthcare coverage and added advantages. Follow these steps to renew the insurance-
Visit the official Care Health website for health insurance policy renewal.
Go to the renew section.
Give your complete details, such as policy number, contact number, and much more.
Check the payment section and make the payment for the renewal premium through any secure payment mode.
Or You can directly call the helpline number and let them do the work.
How to Claim?
These are the steps you need to know for filing your claim. Filing a care health insurance claim will become very easy if you choose the best and easiest way. That is why we have jotted down the steps you should follow to file a claim.
Care Health Insurance offers 2 methods of claim settlement- Cashless Claim settlement, and Reimbursement claim settlement. Let us discuss each one by one.
Cashless In-House Claim Settlement
Care Health follows one of the best claim settlement processes. In this process, you can directly reach out to the company for your health insurance claim settlement. This is a cashless process, in which the payment is directly made to the network hospital.
Reimbursement Claim Settlement
In this claim settlement process, you can pay the amount after taking the healthcare services, and the insurance company will pay you later when you file for the claim settlement. Check out the Steps you can follow for Care Health claim settlement.
Steps
Cashless Claim Process
Intimate hospital within 48 hours of hospitalization in case of planned hospitalization (24 hours in case of emergency).
Fill and submit the pre-authorization request form to the hospital's insurance/TPA desk.
The hospital will then send all the documents to the company for verification.
After document verification, the claim management team will send an approval letter to the hospital.
The hospital will proceed with the cashless treatment of the insured member.
*If the cashless claim is rejected, you can initiate the treatment and file for a reimbursement claim after discharge.
Reimbursement Claim Process
Intimate the company within 48 hours of hospitalization (24 hours in case of emergency).
Submit the claim form along with relevant documents.
Claim management team will verify the form and the documents.
Claim management team will send the approval letter.
Insurance company will reimburse the claim amount within 15 days.
Claim Process
Once you submit the claim intimation, the company will start their work of verification. They might assign a field doctor if required for this process. After completing the verification process, you will get the claim immediately.
Documents required while filing the claim
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 Calculate the Premiums?
You can calculate your health insurance premiums online at Policyx. This Care Health premium calculator is a tool that is designed to enable some potential buyers to estimate the premiums that they need to pay.
Care Plan
30 years
2 Adult
2 Adult+1 Child
2 Adult+2 Child
Average Premium (INR)
5L
9,895
12,332
16,275
12,835
10L
12,435
16,446
15,453
14,778
Care Senior Citizen
65 years
2 Adult
1 Adult
Average Premium (INR)
5L
29,095
18,177
23,636
10L
41,265
25,828
33,547
Care Critical illness
30 years
1 Adult
2 Adult
2 Adult+1 Child
Average Premium (INR)
10L
1,198
2,365
2,986
2,183
25L
2,471
4,880
5,815
4,389
Care Health Top-Up Plans
If you think, your current health insurance coverage is not sufficient to meet your healthcare needs, then you can opt for a Care Health Insurance Super Top-Up plan to provide supplement your coverage.
There are two super top-up plans for care health, those are-
Care Health Enhance Top-up plan 1 which covers you with 1 lakh to 30 lakhs of sum insured.
Care Health Enhance Top-up plan 2 which covers you with 1 lakh to 55 lakhs of sum insured.
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 22900+ cashless hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in
Why Buy Care Health Insurance (Formerly Known As Religare Health Insurance) Plans from PolicyX?
PolicyX is a reliable source to buy health insurance policies. Well, we are here to answer why PolicyX.com is the best option to buy a care health insurance policy.
IRDAI Approved: PolicyX.com is an IRDAI approved web aggregator that helps consumers in comparing, choosing, and buying policies online.
Free Comparison Service: PolicyX.com provides a single platform where you can compare different insurance companies, insurance plans, and their premiums.
Compare 15 companies in 30 sec: Consumers can compare up to 15 companies in just 30 sec on PolicyX.com.
Buy Insurance within 5mins: PolicyX offers a simple and quick buying process where consumers can buy insurance in less than 5mins.
24x7 Customer Service: PolicyX is always with their customers as we offer 24x7 customer care service.
Free Future Claim Assistance: PolicyX is always there to help and assist your claim under any term insurance company.
End Note-Contact Details
Care Health a dedicated insurance company that works 24*7 for customer case support. They make sure to resolve all the customer queries, no matter what time. For a branch-wise contact detail, you can read more about Care Health Insurance Customer Care.
Care Health Insurance Limited (formerly known as Religare Health Insurance Company Limited), 5th Floor, 19, Chawla House, Nehru Place, New Delhi-110019
customerfirst@careinsurance.com
1800-102-6655/1800-102-4488 (Toll-free)
Care Health Insurance (Formerly Known As Religare Health Insurance): FAQ's
1. How soon do I get the claim money from Care Health Insurance?
Care Health Insurance has an in-house claims team that processes cashless claims within 2 hours.
2. How can I request a claim from Care Health Insurance Plan?
You can call directly on the toll-free number 1800 102 4488 or you can send an intimation mail at customerfirst@religarehealthinsurance.com. You need to inform the company within 48 hours of planned hospitalization and 24 hours of emergency hospitalization.
3. Can I get global coverage under the Care health plan?
Yes, it is possible to get global coverage under the Care Global variant of the Care Plan.
4. What is the intimation period in Care Health Plans to apply for reimbursement claims in case of emergency hospitalization?
24 hours. You need to inform the company within 24 hours of the hospitalization in case of an emergency.
5. How soon can I file a claim to avail reimbursement under the Care Health Insurance?
You need to file a claim within 15 days after getting discharged from the hospital.
6. How to track my Care Health Insurance claim status?
You can track the claim status online by visiting the official website and filling out the relevant details. Once you submit the details, the screen will show you the current status of your cashless or reimbursement claim.
7. What is the maximum age limit of the Care Mediclaim Policy?
There is no upper age limit.
8. What is the minimum entry age for the Care health insurance?
The minimum entry age is 91 days.
9. Can I take a health insurance policy for my 5-year-old kid?
Yes, you can take health insurance plans for 5-year-old kids by adding them to family floater plan.
10. How can I increase the sum insured for my health insurance?
You can increase the sum insured at the time of policy renewal.
I had a hassle free policy issuance from policy X and I am completely satisfied with process and especially I thank Amit on assisting and staying in touch with me throughtout the process and he...
Sujit kumar padhi
Gurgaon
September 5, 2024
"Shubham, I wanted to express my sincere appreciation for your attention to detail and prompt action in correcting the error in my address. Your diligence and commitment to accuracy have e...
Jayant Vigraha
Dehradun
April 8, 2024
One of my friends recommended me to buy the Care Supreme health policy and I can guarantee, you will never regret buying it with the guidance of PolicyX.
Ayush Sharma
Kochi
April 8, 2024
I ported my previous health insurance to Care and so far I got my claims settled easily. Last year also, I was admitted due to an accidental injury which was later covered by Care health insura...
Shubhada Mandavi
Jaipur
April 8, 2024
I’m expecting this year and I’m so happy to know that my husband had bought the Care Joy maternity health policy in advance. I’m hopeful that the company will cover my deliver...
Prachi Shambhavi
Lukhnow
April 8, 2024
The user experience of PolicyX is so seamless and effective that I compared many health plans and chose the Care Supreme health insurance for my family which is a really good investment in my 2...
Arjun Singh
Pune
April 8, 2024
From seamless transportation to the hospital to hospitalisation for COVID, Care Senior Citizen plan helped me in all. Thank you PolicyX for recommending the plan
Dheeraj Shah
Kolkata
April 8, 2024
A family friend asked us to consult with PolicyX for family health plan, we are very happy to take the decision and bought Care Supreme for family
An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Travelling and writing are her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and seamlessly solves the reader’s query.
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