Care Plan

Single health insurance to cover all family members.

Care health insurance plan is a comprehensive medical policy for individuals and families. It is an ideal plan for those who want a higher sum insured option to secure their present and future from medical expenses. Care medical policy from Care Health Insurance company has got you covered for all modern-day healthcare needs.

Care Plan Specifications

To understand Care Plan Insurance in detail, take a look at the below table:

Entry Age

91 days to No limit on age

Policy Type

Individual and Family Health Insurance

Sum Insured

3 L | 10 L | 50 L | 80 L | 1 Cr | 4 Cr | 6 Cr

Initial Waiting Period*

30 Days

Renewability

Lifelong

Policy Term

1,2,3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

Choose Your Care Plan

With wide coverage options available, Care Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Not Covered

No Claim Bonus

Covered

Automatic Restoration

Covered

Daily Hospital Cash

Covered

Organ Donor

Covered

Maternity Cover

Covered

New Born Baby Cover

Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Covered

Second Medical Opinion

Covered

Vaccination

Covered

Limitations

Co-payment

Covered

Sub-limits

Not Covered

Care Health Care Insurance (Formerly Known as Religare Care Health Insurance) Plan Riders

Care plan offers myriads of optional riders to cover your specific requirements:

COVID Care with OPD
Get COVID treatment with up to 1% of Sum Insured as OPD benefit. Below mentioned are some of the benefits available under this rider: In-patient care Day care treatment Quarantine coverage is offered with a Sub-limit of up to 1% of the Sum Insured per day. It can go to a maximum of up to 30 days. 30 days of pre-hospitalization 60 days of post-hospitalization OPD expenses such as pharmacy expenses, patient consultation, etc.
COVID Care
Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre. Below mentioned are some of the benefits available under this rider: In-patient care Day care treatment Quarantine coverage is offered with a Sub-limit of up to 1% of the Sum Insured per day. It can go to a maximum of up to 30 days. 30 days of pre-hospitalization 60 days of post-hospitalization
No Claim Bonus Super
This rider offers a 50% increment in the sum insured for every claim-free year. This increment can go up to a maximum of 100% of SI per policy. Moreover, it offers the combined benefit of a no-claim bonus and a no-claim bonus super i.e. 60% increment in sum insured for every claim-free year. If the claim has been made in any year, the no-claim bonus and the no-claim bonus super will be decreased at the same rate at which it arises.
Reduction in PED
Reduces the pre-existing waiting period from 48 months to 24 months.
OPD Care
Covers the expenses incurred on Doctor Consultations, Pharmacy & medical Tests. You can opt for the coverage amount ranging from INR 5K to 50K.
Unlimited Automatic Recharge
Sum insured can be recharged unlimited times.
Everyday Care
Coverage for doctor consultations and diagnostic tests up to 2% of the sum insured.
Daily allowance
Provides a certain amount of cash for each day during the hospitalization to cover non-medical expenses such as food and transportation, etc. A sum amount is paid to the insured person for each day of hospitalization (Maximum up to 30 days). This amount will become double in case of hospitalization in ICU.
Global Coverage
Get cashless treatment across the listed network hospitals outside India.
International Second Opinion
By adding this rider to your Care Plan, you can consult international doctors across the globe to get a second medical opinion.
Air Ambulance cover
Covers the expense of the necessary air ambulance.
Co-payment Waiver
By choosing this rider, you can get rid of the 20% of the co-payment worry if the insured or the eldest insured member is 61 or above.
Care Shield
Combination of 3 additional benefits in one: Claim Shield: Covers the non-payable expenses like gloves, masks, etc. No Claim Bonus Shield: Applicable if the claim amount is less than 25% of the SI. Inflation Shield: Sum Insured will increase at every renewal on a cumulative basis.

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.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

Care Health Care Insurance (Formerly Known as Religare Care Health Insurance) Plan Premium

To give you an idea about Care Plan premiums, we have shown different sample premiums based on different SI values and the number of members covered. Have a look:

Sum Insured: 5 Lakhs

Age	1 Adult	2 Adult	2 Adult+1 Child	2 Adult+2 Child
30 Years	6620	9895	12332	15453

Sum Insured: 20 Lakhs

Age	1 Adult	2 Adult	2 Adult+1 Child	2 Adult+2 Child
30 Years	11854	19246	23585	29047

Sum Insured: 50 Lakhs

Age	1 Adult	2 Adult	2 Adult+1 Child	2 Adult+2 Child
30 Years	28029	41838	51643	60542

Sum Insured: 1 Crore

Age	1 Adult	2 Adult	2 Adult+1 Child	2 Adult+2 Child
30 Years	50581	95171	119093	149606

Care Health Care Insurance (Formerly Known as Religare Care Health Insurance) Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under this plan are:

War-related injuries

Cosmetic or Plastic Surgery

Injuries resulting from a suicide attempt

Injuries resulting from adventurous sports

Hospitalization due to alcohol, and drug abuse

Tests and treatments related to infertility and in vitro fertilization

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Pre-Existing Diseases after 48 Months

Assisted Reproductive Treatment after 36 Months

Initial Waiting Period after 30 Days

COVID treatment after 15 Days

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

Arogya Sanjeevani Plan

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

Individual and Family Health Insurance

Care Operation 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

Care Advantage Plan

Care Advantage Health Insurance is an ideal 1 Crore option so that a policyholder’s family is adequately covered. Care Advantage health insuranc...

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

Critical Illness Health Insurance

Cancer Mediclaim Policy

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

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...

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

Individual and Family Health Insurance

Care Supreme Plan

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

Individual and Family Health Insurance

Care Freedom

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 (Pros)

No pre-policy checkup needed
Dialysis cover available
Annual health checkup

Care Freedom (Cons)

Change of gender treatment
Obesity treatment
HIV/AIDS not covered
Cosmetic surgery unavailable

Care Freedom (Other Benefits)

Cashless healthcare
No pre-policy check up
SI recharge
Lifelong renewability

Care Freedom (Eligibility Criteria)

2 plan variants
Consumable allowance
Annual health check-up
Long term discounts

Critical Illness Health Insurance

Care Critical Mediclaim

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

Senior Citizen Health Insurance

Care Senior

Care Senior Citizen is specially designed to offer coverage for individuals above 60 years of age. It offers flexibility to choose the sum insure...

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

Individual and Family Health Insurance

Care Plan

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

Women Health Insurance

Care Joy Plan

An ideal combination of hospitalization and maternity care. Care Joy health insurance is designed specifically for expecting mothers and their ne...

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

Family

Care Enhance Plan

A top-up plan based on policy deductible principle Care Enhance is a super top-up health insurance plan that provides extra health insurance cove...

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

Family

Care Classic

Get coverage based on your residential zone. Care Classic health insurance is a family floater health plan ideal for married couples, joint famil...

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

Individual and Family Health Insurance

Care Plus Plan

Care Plus health insurance is a complete healthcare plan that is loaded with features and protects you and your family. Care Plus offers comprehe...

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

Critical Illness Health Insurance

Care Heart Plan

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

Care Insurance (Formerly Known as Religare Health Insurance) Plan: FAQs

1. Can I cover my family under this health insurance plan?

Yes, there is an option to buy the same for the family as well. Under which you have to pay a single premium for all members of your family.

2. Will I get cover for my pre-existing disease?

Yes, the company do cover pre-existing diseases under this plan. For the same, you have to wait until the waiting period. After that only you will be liable for the cover.

3. Does this plan provide cover for diseases that have been there since birth?

No, this plan does not cover Congenital diseases.

4. What are the different documents required for portability?

You can apply for Care Health Insurance under portability with the following documents: CARE proposal form Portability form Copy of expiring health insurance policy Copy of renewal notice

5. How do I cancel my health insurance policy?

The company offer a free look period to review policy terms and conditions. In case you are not satisfied with the policy, you you can request for cancellation of your policy during this period. You will be refunded the premium amount as per the short scale grid. The grid is available in your Policy Terms and Conditions.

6. Can I check the claim status of my care health insurance plan?

You can track the claim status of the care plan online in these simple steps: All you need to do is visit our official websiteGo to the claim section Go to the claim section Enter the required information, and then you can check the claim status.

7. Can I save tax under a care health plan?

Yes. you can save tax up to INR 75K under section 80D of the Income Tax Act of India 1961.

8. Can I increase my sum insured during the policy tenure of the care plan?

Yes, you can increase the sum insured amount at the time of renewal.

9. Is a medical check-up necessary before buying a care plan?

You don’t have to undergo pre-policy medical check-ups before buying a care plan until the sum insured amount is above 40L or the age of the applicant is up to 60 years.

10. How do I add family members to the existing care plan?

The addition of family members can only be possible at the time of renewal.

11. What is Care Anywhere feature under this plan?

Care anywhere feature offers coverage outside India or abroad on certain listed treatments. You can avail of this benefit in more than 50L sum insured options.

12. Can I change my hospital during any medical treatment?

Yes, you can change hospitals at any time throughout medical treatment if the necessity arises.

Care Plan

Care Plan Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

Choose Your Care Plan

In-patient & Out-patient coverage

Coverage Terms

Alternative Treatments

Emergency Coverage

Wellness Programmes

Limitations

Care Health Care Insurance (Formerly Known as Religare Care Health Insurance) Plan Riders

COVID Care with OPD

COVID Care

No Claim Bonus Super

Reduction in PED

OPD Care

Unlimited Automatic Recharge

Everyday Care

Daily allowance

Global Coverage

International Second Opinion

Air Ambulance cover

Co-payment Waiver

Care Shield

Recommended Videos

Care Health Insurance Network Hospital List

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Care Health Care Insurance (Formerly Known as Religare Care Health Insurance) Plan Premium

Care Health Care Insurance (Formerly Known as Religare Care Health Insurance) Plan Exclusions

Explore other Care Health Insurance

Arogya Sanjeevani Plan (Pros)

Arogya Sanjeevani Plan (Cons)

Arogya Sanjeevani Plan (Other Benefits)

Arogya Sanjeevani Plan (Eligibility Criteria)

Care Operation Insurance (Pros)

Care Operation Insurance (Cons)

Care Operation Insurance (Other Benefits)

Care Operation Insurance (Eligibility Criteria)

Care Advantage Plan (Pros)

Care Advantage Plan (Cons)

Care Advantage Plan (Other Benefits)

Care Advantage Plan (Eligibility Criteria)

Cancer Mediclaim Policy (Pros)

Cancer Mediclaim Policy (Cons)

Cancer Mediclaim Policy (Other Benefits)

Cancer Mediclaim Policy (Eligibility Criteria)

Care Secure Personal Accident (Pros)

Care Secure Personal Accident (Cons)

Care Secure Personal Accident (Other Benefits)

Care Secure Personal Accident (Eligibility Criteria)

Care Supreme Plan (Pros)

Care Supreme Plan (Cons)

Care Supreme Plan (Other Benefits)

Care Supreme Plan (Eligibility Criteria)

Care Freedom (Pros)

Care Freedom (Cons)

Care Freedom (Other Benefits)

Care Freedom (Eligibility Criteria)

Care Critical Mediclaim (Pros)

Care Critical Mediclaim (Cons)

Care Critical Mediclaim (Other Benefits)

Care Critical Mediclaim (Eligibility Criteria)

Care Senior (Pros)

Care Senior (Cons)

Care Senior (Other Benefits)

Care Senior (Eligibility Criteria)