Care Health Insurance Company

Care Health Insurance Company (Formerly known as Religare Care Health Insurance Company Limited) is a part of Religare Group established in July 2012. It is a direct subsidiary company of Religare Enterprises Limited. Care Health is a leading player in the health insurance industry of India. It is a specialised health insurance provider offering a suite of insurance solutions in the retail segment.
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Highlights of Care Health Insurance Company

Claim Settlement Ratio 100%
NCB* 50%, up to 100% of SI*
PED Waiting# 48 months
Network Hospital 24800+

Compare Top Health Plans from Care Health Insurance Company

Comparison between Care Plus, Care Classic (Insta), Care Supreme and Care Advantage

Care Plus
Care Classic (Insta)
Care Supreme
Care Advantage
Features
Cashless Treatment
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covered-check
covered-check
covered-check
Emergency Air Ambulance
covered-check
covered-check
covered-check
covered-check
Annual Health Check-up
covered-check
covered-check
covered-check
covered-check
Second Opinion
covered-check
covered-check
covered-check
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Automatic Recharge
covered-check
covered-check
covered-check
covered-check
Premium Waiver
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covered-check
notcovered-check
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Lifetime renewability
covered-check
covered-check
covered-check
covered-check
Day Care Treatment
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covered-check
covered-check
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Features
Cashless Treatment
Emergency Air Ambulance
Annual Health Check-up
Second Opinion
Automatic Recharge
Premium Waiver
Lifetime renewability
Day Care Treatment

Awards and accolades won by Care Health Insurance company

Care Health Insurance has been bestowed with various awards and accolades ever since its inception. A few of its achievements are as follows:

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Care Health Insurance was conferred with ‘Claims Service Leader for the Year’ and ‘Best Health Insurance Company in Rural Sector’ awards at the India Insurance Summit and Awards 2024.

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Care Health was awarded ‘Best Health Insurance Company of the Year’ at India Insurance Summit & Awards 2023 and ‘Smart Insurer of the Year’ and ‘Sales Champion of the Year’ at The Economic Times Insurance Summit & Awards 2022.

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The Company was recipient of the ‘Best Health Insurance Product’ and ‘Best Health Insurance Agents’ awards at the Insurance Alertss Awards, 2021, and received the ‘Best Health Insurance Product Award’ at FICCI Healthcare Excellence Awards 2019.

Key Highlights of Care Health Insurance Company

Features

Meaning

Claim Settlement Ratio

100% for F.Y 21-22

Claims Settled

48 lacs+ claims settled

Networked Hospitals

24800+

Grievance Ratio

37 less grievance ratio per 10,000 claims.

Features of Care health insurance plans

Features

Meaning

Hospitalization cover

Hospitalization cover is designed to cover your medical expenses that are incurred on an inpatient basis, i.e. when you are hospitalized for 24 hours or more. The cover includes room rent, nurse’s fee, doctor’s fee, treatment costs, and more.

Pre-hospitalization cover

If you incur medical expenses before you are hospitalized, such expenses can be claimed as pre hospitalization expenses. These expenses are covered up to a specific number of days before hospitalization.

Post-hospitalization cover

If you incur medical costs after you are discharged from the hospital, such costs can be claimed under this benefit. Costs up to a specific number of days after hospitalization are covered

Day-care treatments

Treatments that involve only a few hours of hospitalization are called daycare treatments. Such treatments are also covered under Care health insurance plans

Organ donor expenses

If you are receiving an organ from a donor for undergoing an organ transplant surgery, the cost of the donor’s hospitalization and organ harvesting would be covered

AYUSH coverage

AYUSH stands for Ayurveda, Unani, Siddha and Homeopathy. These are non-allopathic treatments that are covered under many Care health insurance plans

Free health check-ups

Care Health Insurance Company promotes healthy living for its customers. As such, its health plans allow free check-ups to monitor your health at regular intervals

Domiciliary treatments

Domiciliary treatments are those which are taken at your own home. These treatments are covered if there are no hospital beds or if you cannot be moved to the hospital.

Exclusions in Care health insurance plans

Care Health Insurance offers comprehensive health insurance plans. However, in some cases, the claim is not payable. Such cases fall under policy exclusions. Each policy has a list of exclusions which can be found in the policy wordings. However, some commonly found exclusions include the following –

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Illnesses that you have when you are buying a Care health plan are called pre-existing illnesses or diseases. Such conditions have an associated waiting period with them. They are not covered during the specified waiting period

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Specific treatments like cancer, piles, hernia, joint replacement surgeries, etc. have a specific waiting period which is, usually, 2 years

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If you suffer from any illness or disease within the first 30 days of buying a Care health plan, coverage would not be available for them

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Cosmetic or weight control treatments are excluded

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Illnesses or injuries that occur due to war and allied perils or due to nuclear or chemical contamination are not covered

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Dental treatments are excluded

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Substance abuse, alcoholism, criminal acts, etc. are not covered

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Unscientific or experimental treatments are not covered

Health insurance plans offered by Care

Care Health Insurance offers a wide range of health insurance policies to compare. Some of the best policies are as follows –

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Care

Care is the company’s most popular health plan which offers a comprehensive scope of protection. The policy has many salient features which are as follows –
 

  • Inbuilt maternity coverage at higher sum insured levels: If you opt for sum insured levels of Rs.50 lakhs and above, you can get an inbuilt maternity coverage under the policy. The coverage would cover the expenses of pregnancy and childbirth.

  • Sum insured restoration: If you use your sum insured on a claim and if there is an unrelated second claim, the policy restores the sum insured so that the second claim can be paid. This benefit helps in the case of multiple claims within the same policy year and ensures that you have sufficient coverage when needed

  • No restriction on entry age: There is no upper entry age. Individuals of all ages can buy the plan for their coverage needs.

  • Free second medical opinion: You can avail of a free second opinion from Care’s team of medical experts. Such a second opinion is available under all variants of the plan and allows you to consult another specialist, free of cost, in severe illnesses.

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Care with NCB

Care with NCB is nothing but the aforementioned Care plan with the added coverage of the Super No Claim Bonus. Let’s understand the salient features of this version of the plan –
 

  • Super No Claim Bonus: The plan has a unique super no-claim bonus feature. Under this feature, if you don’t claim in one policy year, you get a no-claim bonus of 50% of the base sum insured. Thereafter, if no claim is made in the second successive year, another 50% increase in the sum insured is allowed. This doubles the base sum insured within 2 years without any claim.

  • Added no claim bonus: Besides the super no claim bonus, you continue to earn a 10% increase in the sum insured as the no claim bonus if you don’t make a claim. This increase is allowed up to a maximum of 50% of the base sum insured.

  • Higher coverage, free of cost: When you combine the super no claim bonus and the no claim bonus features, you get a high sum insured. Together with the super no claim bonus, your sum insured becomes 220% after two successive claim-free years. This is free of cost and you don’t have to pay the premium for the increase in the sum insured.

  • International coverage: Under plans that have a sum insured of Rs.50 lakhs and above, you can avail of international coverage through the Care Anywhere benefit. This allows wider coverage and is beneficial.

  • Range of add-ons: There are a variety of add-ons available with the policy which you can add by paying additional premiums to enhance the scope of coverage.

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Care Freedom

The Care Freedom plan doubles up as a policy for individuals suffering from diabetes, hypertension or BMI issues. The salient features of the policy are as follows –
 

  • Different plan variants: There are two plan variants available under the policy. The first one is a basic health plan available for adults as well as children. The second variant, however, is available only to adults aged 46 years and above and is designed to cover their health needs.

  • Automatic sum insured recharge: If you suffer a big claim and the sum insured is used up, the plan restores the sum insured back to its original amount so that if you suffer another claim, the plan would be able to cover it too.

  • Consumable allowance cover: Hospitalization results in various non-medical costs too that are not covered under the health insurance policy. As such, the plan allows you a daily allowance for each day of hospitalization so that you can meet such non-medical expenses

  • Coverage for dialysis: Every time you visit a hospital to get dialysis, the medical costs incurred would be covered under the policy. Coverage is allowed up to Rs.1000/sitting for a maximum of 24 consecutive months.

  • Companion benefit: If your hospitalization exceeds 10 days, the plan offers a lump sum companion benefit to help you meet the additional costs that you might have incurred due to such prolonged hospitalization.

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Care Enhance

A super top-up health insurance policy, Care Enhance allows you to enhance your existing health insurance coverage without burning your pockets. The salient features of the policy are as follows –
 

  • Wide range of sum insured and deductible options: The plan offers a wide range of coverage and deductible options so that you can choose the amount that you want and which matches your needs. You can, thus, customize the plan as per your coverage needs.

  • International coverage: Under the second plan variant coverage for international treatments is allowed if taken in an emergency. So, you can expand the geographical scope of coverage with the policy and avail of treatments anywhere.

  • Add-on coverage for expert opinion: The policy offers an add-on benefit wherein you can avail of an expert’s medical opinion if required. This coverage is available at an additional premium.

Eligibility conditions

Age of Proposer

18 years or above

Entry Age - Minimum

5 years (individual Plan), 91 days (for family floater plans) with one individual above 18 years

Maximum entry age

36 years to no upper limit for adults, 24 years (children)

Sum Insured

INR 3 lakh – INR 6 Crores

Policy Term

1 year – 3 years

Pre-existing Diseases (PED) Waiting Period

24 months to 48 months

Number of family members covered

Self, spouse, dependent children, parents and in-laws

How to buy Care Health Insurance Plan?

Go to the official portal of Care Health Insurance. Go to "Health Insurance”. Select plan according to your requirement.  Answer a few questions about the policy seeker and submit.

Or visit the Paybima portal and select  Health Insurance from the options available.

1

Visit the Paybima homepage and click on the ‘Health Insurance’ tab in the dropdown menu.

2

Fill in your required details and request a callback.

3

A Paybima representative will help you buy the most suitable plan.

4

You may also reach us at 1800 267 67 67 from 10 AM to 7 PM, or

5

You can visit a Paybima branch near you.

The process of renewing Care Health Insurance Policy

What is the Process for Filing a Claim for Care Health Insurance Plan?

Care Health Insurance provides two options to claim on your health insurance policy. The first is the reimbursement mode in which you have to initially pay the hospital bills and then get them reimbursed. The second is cashless claim settlement wherein the company will directly pay the bills on your behalf. The following steps should be taken for a cashless claim in your Care Health Insurance plan:

1
Admission to a network hospital

For a cashless claim settlement, get admitted to a hospital with which the insurance company has a tie-up. You will first have to locate your nearest network hospital. You can locate the nearest network hospital by visiting the official website of the insurance company or by calling the customer helpline. Show your ID proof and health card to the hospital and get admitted.

2
Pre-authorisation claim form

A pre-authorisation claim form is to be submitted for cashless claim approval. The form is needed at least 48 hours before planned hospitalization. In case of emergency admission, you can submit the form within 24 hours. The form can be taken from the TPA desk of the hospital or can also be downloaded online and submitted to the insurance company.

3
Approvals

The claims management team of Care Health Insurance will send an approval letter to the network hospital based on the pre-authorisation claim form. Once the approval letter is received cashless treatment would be allowed.

4
Reimbursement Claim

If you get admitted to a non-networked hospital or if your cashless claim is rejected by the claim management team, then your claim will be handled on a reimbursement basis. You will have to submit the claim form along with relevant documents. Once approved, all the bills will be reimbursed by the insurer.

You can seek the help of Paybima’s executives for easy settlement of your health insurance plan. Just call at 1800 267 67 67 or mail at care@paybima.com and we will guide you through your claim process and its settlement.

Guaranteed Claim Support

When you buy or renew a health insurance plan from us, we guide at every step till your claim is settled.

Start your claim process with us to get our support

Review of Care Health Insurance Company

Care Health Insurance plans are quite comprehensive and are well-customized as per individual requirements. Other highlights include the following:
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The company has been consistently working in the effective application of innovation and technology to deliver excellent customer service and customer satisfaction.

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Care Health Insurance delivers wide-ranging health insurance policies that are customized to meet the diverse healthcare requirements of its customers.

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Care Health Insurance received the ‘Best Health Insurance Product Award’ various times at the FICCI Healthcare Excellence Awards.

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The company firmly believes in trust, technology, transparency and customer-centric service.

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It has the highest claim settlement ratio making it a trusted health insurance provider to rely on.

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The company ensures to provide cashless claim approval within 2 hours through its in-house claim team

Sahi Advice,
Sahi Insurance

If you have any questions on how to choose the best insurance plan, you can connect with our IRDAI certified insurance advisors.

Advice that comes with Experience.

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