Care (Religare) Health Insurance Premium Calculator

The right health insurance policy acts as an indispensable shield against rising medical inflation. However, as important as it is to select the right cover, it is equally essential to calculate the premium payable and compare quotations across different health plans. Fortunately for you, Care Health Insurance (formerly known as Religare Health Insurance) has come with its digital tool for quick and easy online premium calculation.

The Care Insurance Premium Calculator is designed to simplify premium calculation to make your insurance purchase convenient. CHI offers three policy estimation options: family health insurance, pre-existing diseases cover, and senior citizen health insurance premium calculator.

Care Premium Calculator eliminates the need for you to depend on third parties for information and calculate premiums in just a few clicks. This free online tool factors in your age, number of members, medical history and amount of coverage required to give you the estimated premium.

Why Do You Need Online Premium Calculators?

The Care Health Insurance Premium Calculator provides numerous advantages. Let’s have a look at some of its benefits:

Estimation of premiums without errors -the digital premium calculator analyses all policy parameters precisely to give premium rates that are free of errors.
Saves time and money -you can examine an insurance policy from anywhere, at any time, thanks to an all-digital facility for checking medical insurance premium rates online.
Add-on rider benefits -once you’ve determined how much you’ll have to pay in premiums, you can make sure you don’t go over your financial budget. It indicates whether or not extra riders can be added to the package based on your budget.
Premium comparison -it allows you to compare the premiums of several plans, allowing you to choose the most cost-effective alternative. This saves a lot of your time otherwise spent on reading individual policy brochures.
Personalized coverage -it allows you to tailor coverage elements to your specific needs.

What are the features of the Care Insurance Premium Calculator?

Online tool - Care Premium Calculator by Care Health Insurance (formerly Religare Health Insurance) is available online, making it easy to use from the comfort of your own home.
Free for all - The application is completely free, and users can use it as many times as they like to look for premium quotations.
Quick quotations - The calculator provides quick results that include taxes and provide a decent estimate of the net premiums due.
Plan comparison - Multiple plans are evaluated with Care Health Premium Calculator to provide you with the best choice.
Personalized approach - The premium calculator allows you to customize your coverage. You can add or remove members, change the Sum Insured, and customize other aspects.

Factors taken into Consideration for Premium Calculation

Age: It is a significant element that influences the cost of health insurance premiums. As you get older, you become more prone to health problems, and therefore the cost of medical treatment increases. Younger people, on the other hand, would pay a lower insurance premium under the provisions of the policy.
BMI: The Body Mass Index is the ratio of your height to your weight. If your BMI is unhealthy, you are more likely to develop conditions such as obesity, heart disease, diabetes, and so on. As a result, premiums for medical insurance becomes higher.
Medical history: Another element taken into account when determining the likelihood of a genetic condition is your family’s medical history. When calculating the premium to be paid, the specifics of your medical history become a decisive factor.
Add-on covers: You’ll see possibilities to attach add-on covers to your insurance and expand your coverage when utilizing the tool. As a result, any additional coverage, such as a higher sum insured, a shorter waiting time, automatic recharge, COVID, and OPD-care, will raise the premium cost.
Type of health plan: The health insurance plan you select has a significant impact on the amount of your premium. An individual policy will have a substantially higher premium than a family floater plan. You may use the mediclaim premium calculator to find a good health plan at an affordable premium rate.
Lifestyle choices: Insurers also take into account your lifestyle choices, including drunkenness, smoking, and tobacco use when calculating your premium. To help accurately assess your health insurance premium, you must reveal any serious lifestyle problems. A smoker, for example, has increased health risks and consequently pays a higher premium than a non-smoker.
Pre-existing diseases: A person with a pre-existing sickness is likely to pay a higher premium than someone who is in better health. While there is a waiting period to obtain pre-existing disease coverage, there is an option to shorten the waiting period in exchange for a higher premium.

Information required by the Care Insurance Premium Calculator

With CHI’s digital premium calculator, calculating medical coverage premiums has never been easier. To process an estimate of your insurance payment, you need to provide a few crucial data as listed below-

The number of people covered by the Family Health Insurance Plan, as well as their age and gender.
For the Pre-Existing Disease Cover, the number of adults and children insured, as well as the age of the oldest member. Any pre-existing medical issues should also be disclosed.
When purchasing Senior Citizen Health Insurance, The Care Health Insurance Premium Calculator considers the age and gender of all family members.

Care Health Insurance (formerly known as Religare Health Insurance) only needs your contact and the above-mentioned information to help you better understand the policy coverage and premium amount.

How to Use Care Health Insurance’s Premium Calculator?

Step 1: Go to the Care Health Insurance website’s "Calculate Health Insurance Premium" page under the "Health Insurance" category.

Step 2: From the drop-down menu, select a suitable health policy.

Step 3: Enter your phone number and click the ’Get Quote’ button in the top right corner of the screen.

Step 4: Input your pin code as well as your email address.

Step 5: Select the number of members you want to insure, as well as their age and gender, by clicking Next*.

Step 6: To calculate the policy’s premium, adjust the sum insured using the metre in the ’Total Coverage’ section and switch between several policy terms ranging from 1 to 3 years.

Step 7: In the "Care Quote" area, your immediate medical insurance premium computation is complete and visible.

Step 8: To improve your health insurance coverage, select any or all of the add-on benefits suggested on the ’Care Quote’ display. As you add on benefits, you’ll notice an immediate difference in the premium price.

Note - You should declare the number of adult members and minors, as well as the eldest member’s age if you are purchasing a pre-existing illness policy.
You must also specify whether or whether the senior policy-seekers have any pre-existing conditions.

Care Health Insurance Network Hospital List

Care Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

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 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

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 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

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 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

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 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

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 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

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 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

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

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Future Generali Health Insurance

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ACKO Health Insurance

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Care Health Insurance Premium Calculator: FAQs

1. Do I have to pay GST on Health Insurance Premium?

Yes, GST charges are applicable at a rate of 18%.

2. How can I reduce the premium for my health insurance?

Opt for a family floater plan Invest at a young age Maintain ideal BMI Choose a healthy lifestyle Choose multi-year policy

3. How can I calculate the premium for my parents?

Go to the health policy premium calculator on the Insurer’s website. Enter details about their age, medical history, etc. and click to calculate the premium amount.

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Written By: Naval Goel

Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.