Religare Health Insurance Plan (Care Health Insurance) - Policy Benefits and Premium Details
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Care Health Insurance Care Health Insurance ★ 4.4

Care Plan

Care Plan offers medical coverage to you and your family during a medi ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
158+
Pan India presence
97%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,714 reviews
🏥 11,400+ hospitals
📊 1.74 solvency ratio
✅ 97% claim settlement

Care Plan offers medical coverage to you and your family during a medical emergency. It is a comprehensive medical policy for individuals and families.

Why do we recommend this?
  • In-patient Care
  • Floater cover
  • Daily allowance

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
91 days to No limit on age
Plan type
Individual and Family Health Insurance
Sum insured options
₹3 L, ₹10 L, ₹50 L, ₹80 L, ₹1 L, ₹4 L, ₹6 L
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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • In-built maternity cover
  • No upper age limit for enrollment
  • Coverage for modern treatment
  • Pre-existing diseases

Cons

  • War
  • Riot
  • AIDS
  • Miscarriage
  • Congenital disease

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Not covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Not covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

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

Care Health Insurance Plan Detailed Review

Care Health Insurance Plan Detailed Review

Know the detailed review of care health insurance plans in Hindi. This video will explain all the available plans and care health insurance offers.

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 Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 91 days
  • Max entry age: No limit
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 6 Cr

Frequently Asked Questions

The 12 most-asked questions about Care Plan, answered.

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.
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.
No, this plan does not cover Congenital diseases.
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
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.
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.
Yes. you can save tax up to INR 75K under section 80D of the Income Tax Act of India 1961.
Yes, you can increase the sum insured amount at the time of renewal.
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.
The addition of family members can only be possible at the time of renewal.
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.
Yes, you can change hospitals at any time throughout medical treatment if the necessity arises.

Explore Care Health Insurance

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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: 1 Jun 2026 · Originally published: 19 Nov 2024

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