Care Health Insurance Plans, Features, Benefits & Claim Process
Buy Now
Summarize with
ChatGPT Claude Perplexity
Care Health Insurance logo Care Health Insurance ★ 4.4/5

Care Health Insurance

Care Health Insurance is a popular health insurance company in India offering plans for individuals, families, senior ...Read More

11,400+
Cashless hospitals
97%
Claim settlement
1 Cr
Max sum insured
17
Active plans
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,714 reviews
🏥 11,400+ hospitals
📊 1.74x solvency ratio
✅ 97% claim settlement

What you get with Care Health Insurance

The headline features and policy mechanics, at a glance.

Sum insured up to 1 Cr

Coverage scales from entry-level individual plans to high-end family-floater protection.

11,400+ cashless hospitals

Direct billing at network hospitals across 158 presence — no out-of-pocket payment at admission.

97% claim settlement

Industry-leading approval rate on eligible claims received in the most recent fiscal year.

1.74x solvency ratio

Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.

17 active plans

Choose from individual, family floater and senior-citizen variants to match your household.

About Care Health Insurance

A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.

Care Health Insurance

Care Health Insurance offers cashless treatments across 11,400+ network hospitals in India. Previously known as Religare Health Insurance, Care Health was formed in 2012 as a subsidiary of Religare Enterprises and was renamed in 2020. It is one of the top standalone companies with a claim settlement ratio of 97%. Buying Care Health Insurance plans ensures 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. You pay premiums, and during times of need, the company will cover the bills.

  • 11400+ Network Hospitals
  • 7 Crore+ Lives Covered Since Inception
  • 48 Lakhs+ Claims Settled
  • Up to 6 Cr Sum Insured
  • 24X7 Customer Support

Features That Set Them Apart

  • High Claims Settlement Ratio
  • Comprehensive wellness system
  • Unlimited automatic recharge
  • Unlimited access to network fitness centers
  • Efficient Care Health App

Care Health Insurance Awards and Accolades

  1. Best Health Insurance Company of the Year at the India Insurance Summit and Awards 2023
  2. Smart Insurer of the Year and Sales Champion of the Year Awards 2022
  3. e4m Pride of India - The Best of Bharat Awards 2022
  4. Best Health Insurance Product and Best Health Insurance Agents Awards 2021
  5. Best BFSI Brands 2019' by Economic Times

Why Choose Care Health Insurance?

Comprehensive Health Insurance Plans

Care Health insurance strives to provide the best plans with wider coverage, including in-patient expenses, pre-post hospitalization, domiciliary hospitalization, and AYUSH treatments.

Affordable Premiums

Care Health plans provide extensive coverage for everyone in your family with premiums starting at Rs 21 a day.

Catering 360-Degree Requirements

Customize your Care Health Insurance plans as per your needs and requirements.

Complete Family Coverage

Health plans for families allow you to protect your family from unnecessary hospital expenses, with options like Senior Citizen health insurance providing a sum insured up to Rs 6 crores.

Wide Network of Hospitals

With a network of more than 24,800+ cashless healthcare providers, Care Health ensures extensive care when needed.

Hassle-Free Claim Procedure

With both offline and online claim filing options, Care Health makes the claim process extremely easy, aiming to settle claims within 6 hours without much paperwork.

Efficient Customer Care Support

Supportive guides at Care Health and PolicyX are available to help you with any queries.

Add-On Benefits

Care health insurance offers add-on perks 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, and no claim bonus super.

Choose Care Health Insurance Coverage of Your Choice

Select a sum insured option below to compare health plans matching your coverage need.

5 L Health Insurance 10 L Health Insurance 15 L Health Insurance 20 L Health Insurance 30 L Health Insurance 50 L Health Insurance 1 Cr Health Insurance

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.

Care Health Insurance Review

Care Health Insurance Review

Care Health Insurance Explained

Care Health Insurance Explained

Care Health Insurance Plan Detailed Review

Care Health Insurance Plan Detailed Review

All 17 Care Health Insurance plans

Every plan currently being sold by Care Health Insurance, shown side-by-side so you can shortlist quickly.

Most popular Group Health Insurance

Care Group Health Insurance

Care Health provides Group Health Insurance, Group Personal Accident Insurance, and Group Travel Insurance. Care Health Insurance has offer…

Sum insured Up to 1 Crore
Entry age Flexible eligibility
  • 11000+ corporate policies
  • 25000+ locations covered
  • 92.77% claim ratio
View plan
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 be…

Sum insured 5 L, 7 L, 10 L, 15 L, 20 L, 25 …
Entry age Min: Child-91 days; Adult- 18 years, Ma…
  • Ambulance cover
  • Discounts
  • Loyalty boost
  • Newborn cover
View plan
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 healt…

Sum insured 3 L, 5 L, 7 L, 10 L
Entry age Min-18 Years, Max-Lifelong
  • Cardiac health check-up
  • second medical opinion
  • automatic SI restoration
  • lifelong cover
View plan
Individual and Family Health Insurance

Care Plus Plan

Care Plus health insurance is a comprehensive healthcare plan loaded with features to protect you and your family. It offers inflation-proo…

Sum insured 3 L, 5 L, 7 L, 10 L, 25 L
Entry age 5 Years to No age limit
  • Ambulance cover
  • daycare treatments
  • domiciliary hospitalization
View plan
Family

Care Classic

Care Classic health insurance is a family floater health plan ideal for married couples, joint families, and young and grown-up families. I…

Sum insured 5 L, 7 L, 10 L, 15 L
Entry age Min- 91 days, Max- 64 years
  • Room rent covered
  • Daycare treatment
  • Advanced technology methods
  • ICU charges
View plan
Family

Care Enhance Plan

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

Sum insured 10 L, 20 L, 30 L, 40 L, 55 L
Entry age Day 1 to no age bar
  • Covers modern treatment
  • Flexible options of deduction
  • No pre-policy medical test
  • Annual health check-up
View plan

Quick comparison

Side-by-side across the 3 most-bought Care Health Insurance plans on PolicyX.

Care Health Insurance plan comparison
Feature Care Group Health Insurance Care Ultimate Care Plan Care Heart Plan
Plan type Group Health Insurance Individual and Family Health Insurance Critical Illness Health Insurance
Sum insured Up to 1 Crore 5 L, 7 L, 10 L, 15 L, 20 L, 25 … 3 L, 5 L, 7 L, 10 L
Entry age Flexible eligibility Min: Child-91 days; Adult- 18 years, Ma… Min-18 Years, Max-Lifelong
Top benefits 11000+ corporate policies · 25000+ locations covered Ambulance cover · Discounts Cardiac health check-up · second medical opinion

What's covered — and what's not

The standard inclusions and exclusions across Care Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.

✓ Inclusions

  • Care Health Insurance covers pre and post-hospitalization expenses related to in-patient hospitalization.
  • Most Care Health Insurance plans include alternative treatment covers such as Ayurveda, Unani, Siddha, and Homeopathy.
  • Care health insurance plans cover hospital expenses like room rent, ICU charges, surgery expenses, and doctor consultations.
  • Care health insurance plans cover daycare procedures that do not require 24-hour hospitalization.
  • On a doctor's recommendation, policyholders can avail of medical care at home, covered under domiciliary hospitalization.

✗ Exclusions

  • Care health policies do not cover injuries or hospitalization caused by self-harm.
  • Care Health Insurance plans do not cover cosmetic surgeries or treatments.
  • Care Health Insurance plans do not cover hospitalizations or accidents caused by adventure sports.
  • Care Health Insurance plans generally do not cover treatments related to obesity and weight management.
  • Care health insurance plans do not cover hospitalization or injuries caused by unlawful activities.

Documents required

For policy purchase and claim submission. Have these ready before you start.

  • 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

Waiting periods

When specific benefits become claimable after policy start.

What Are The Different Waiting Periods In Care Health Insurance Plans?

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 specific waiting periods for pre-existing diseases such as hypertension and diabetes.

Survival Period

Care health insurance plans with critical illness coverage have a survival period during which policyholders diagnosed with any listed critical illness must outlive to enjoy coverage benefits.

11,400+ cashless hospitals

Find a Care Health Insurance network hospital near you. Direct billing — no out-of-pocket payment at admission.

Choose your city

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

View all Care Health Insurance network hospitals →

Buy, claim, renew, port — step-by-step

Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.

If you are looking to purchase Care Health insurance online, follow these simple steps:

  • 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 chosen Care health insurance plan.
  • Step 4: Our team of insurance experts at PolicyX will assist you with claims and other queries post-purchase.

Choosing the best health plan involves proper planning. Consider these factors before investing:

  • Verify Eligibility

    Care Health's entry age is 91 days on a floater basis.

  • Ensure Maximum Coverage

    Check the coverage provided, including pre and post-hospitalization expenses and annual health checkups.

  • Look for Affordable Premiums

    Use Care Health's digital portal to calculate premiums.

  • Check for Exclusions

    Review the exclusion list before choosing a policy.

  • Understand the Co-Payment Clause

    Check the co-payment clause before investing.

  • Select Wide Cashless Network Hospital

    Ensure the number of reputable cashless hospitals in the network.

  • Bid for Higher Claim Settlement Ratio

    Care Health Insurance promises a high claim settlement ratio.

Choosing an online platform is the easiest way to save time and effort. Reasons to opt for the online procedure include:

  • Convenient Policy Selection

    Schedule unlimited appointments with experts to understand policy details.

  • Chat Options for Queries

    Live chat options are available for policy-related queries.

  • Instant Premium Quote Calculations

    Use the digital premium calculator for customized healthcare insurance.

  • Secure Payment Modes

    Various secure payment modes are available, with instant policy documents provided post-payment.

  • Transparent Policy Evaluation

    Care Health promises a transparent policy evaluation process.

  • Readily Available Value-Added Services

    Explore add-on benefits like OPD care and co-payment waivers.

You can file for cashless or reimbursement claims for your Care Health Insurance Plans by following these steps:

  • Step 1: Visit the Care Health Insurance website, select the "Claim" option, and click on "Claim Intimation" to access the form.
  • Step 2: Select "health claim" and provide the policy number, date of birth, and other required details.
  • Step 3: Choose the "claim type" (cashless or reimbursement), authorize, and receive an OTP on the verified number.
  • Step 4: Verify with the OTP, fill in hospital admission information, select the hospital, and provide details for non-network hospitals.
  • Step 5: Upload the required documents and click on the "review" button.
  • Step 6: Submit the intimation for review. Note the claim intimation number for future reference.

Follow these 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: Enter your 'Policy Number' and 'Date Of Birth'.

Connect with our insurance experts for Care health insurance policy renewal at 1800-4200-269.

To port your existing policy to Care Health Insurance, follow these steps:

  • Step 1: Fill out the portability form and send the application to Star Health Insurance Company 45 days before the renewal date of your existing health plan.
  • Step 2: As per IRDAI guidelines, the new insurance company will verify your medical and claims history from the previous insurer within 7 days of receiving the portability form.
  • Step 3: Once verified, the new insurance company will communicate its decision - either approval or rejection - within 15 days.

Compare and calculate the best care health policies with the PolicyX premium calculator with these simple steps:

  • Step 1: Visit the official website of 'PolicyX'
  • Step 2: Fill in details such as name, number of family members to be covered, city, and other information
  • Step 3: Click on 'Get Quotes'

Connect with PolicyX health insurance experts for Care health insurance policy premiums enquiry at 1800-4200-269.

Frequently asked questions

The 15 most-asked questions about Care Health Insurance, answered.

Care Health Insurance has an in-house claims team that processes cashless claims within 2 hours.
Yes, it is possible to get global coverage under the Care Global variant of the Care Plan.
24 hours. You need to inform the company within 24 hours of the hospitalization in case of an emergency.
You need to file a claim within 15 days after getting discharged from the hospital.
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.
There is no upper age limit.
The minimum entry age is 91 days.
Yes, you can take health insurance plans for 5-year-old kids by adding them to family floater plan.
You can increase the sum insured at the time of policy renewal.
Care Health Insurance offers comprehensive health insurance plans for you and your family members. Individuals can customize their sum insured, features, and add-ons. With a hassle-free claim settlement process, Care Health stands out from the rest of the insurers in the market.
According to the annual report released by IRDAI, the ICR for Care Health Insurance for FY 2023-24 is 57.69%.
Ultimate Care is the latest insurance plan launched by Care Health Insurance in January 2025. The plan offers ground-breaking features like an infinity bonus, unlimited e-consultations, a money-back feature to stay healthy, and more.
Care Health Insurance is a specialised health insurance company in India offering policies for medical and hospitalisation expenses, critical illnesses, personal accidents and wellness services. It provides cashless treatment through a large hospital network.
Yes. Care Health Insurance is the new name of Religare Health Insurance after it was rebranded. Other than the name, the company and its policy features remained consistent.
They offer various plans including individual & family health plans, senior citizen plans, critical illness cover, maternity and newborn plans, super top-up/extra cover plans, and specialised disease-focused plans.

Compare Health Insurance Companies

Pick any two insurers to see a detailed side-by-side comparison.

Other Health Insurance Companies

Compare Care Health Insurance mediclaim policies with other top insurers in India.

Customer satisfaction

Aggregate ratings from 2,714 verified PolicyX customers who bought a Care Health Insurance plan.

4.4
out of 5
2,714 reviews
5 star
60%
4 star
25%
3 star
10%
2 star
4%
1 star
1%

Health Insurance Premium Calculator

PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.

Health Insurance Articles

Explore Care Health Insurance

Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 19 Nov 2024 · Originally published: 19 Nov 2024

Share your Valuable Feedback

Rating Icon 4.4

Rated by 2,714 customers

Was the Information Helpful?

Select Your Rating

We would like to hear from you

Let us know about your experience or any feedback that might help us serve you better in future.

Reviews and Ratings

Do you have any thoughts you'd like to share?

📞 Call Free