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
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,714 reviews
🏥 11,400+ hospitals
📊 1.74 solvency ratio
✅ 97% claim settlement

About Care Plan

A quick read on what this Care Health Insurance plan covers and why it might be a fit for you.

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.

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

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

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

Care plan offers a variety 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. Benefits include in-patient care, day care treatment, and quarantine coverage with a sub-limit of up to 1% of the Sum Insured per day, up to 30 days. Includes 30 days of pre-hospitalization and 60 days of post-hospitalization OPD expenses such as pharmacy expenses and patient consultation.

  • COVID Care

    Covers the cost of treatment for COVID-19 with a confirmative diagnosis from a government-approved center. Benefits include in-patient care, day care treatment, and quarantine coverage with a sub-limit of up to 1% of the Sum Insured per day, up to 30 days. Includes 30 days of pre-hospitalization and 60 days of post-hospitalization.

  • No Claim Bonus Super

    This rider offers a 50% increment in the sum insured for every claim-free year, up to a maximum of 100% of SI per policy. It offers the combined benefit of a no-claim bonus and a no-claim bonus super, i.e., a 60% increment in sum insured for every claim-free year. If a claim is 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 expenses incurred on doctor consultations, pharmacy, and medical tests. Coverage amount ranges 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 hospitalization to cover non-medical expenses such as food and transportation. A sum amount is paid to the insured person for each day of hospitalization (maximum up to 30 days). This amount doubles in case of ICU hospitalization.

  • 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 eliminate the 20% 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 non-payable expenses like gloves, masks, etc. No Claim Bonus Shield is applicable if the claim amount is less than 25% of the SI. Inflation Shield increases the Sum Insured 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 Hospitals →

Sample premium

Indicative premium examples — your actual quote depends on age, declared medical history, sum insured and add-ons.

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

Age1 Adult2 Adult2 Adult+1 Child2 Adult+2 Child
30 Years662098951233215453

Sum Insured: 20 Lakhs

Age1 Adult2 Adult2 Adult+1 Child2 Adult+2 Child
30 Years11854192462358529047

Sum Insured: 50 Lakhs

Age1 Adult2 Adult2 Adult+1 Child2 Adult+2 Child
30 Years28029418385164360542

Sum Insured: 1 Crore

Age1 Adult2 Adult2 Adult+1 Child2 Adult+2 Child
30 Years5058195171119093149606

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent Exclusions
  • Permanent diseases or health conditions 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:
  • Pre-Existing Diseases after 48 Months
  • Assisted Reproductive Treatment after 36 Months
  • Initial Waiting Period after 30 Days
  • COVID treatment after 15 Days

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

Other features & benefits

  • Lifelong renewability
  • ICU charges
  • Day care treatment
  • Ambulance cover
  • Organ donor cover

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

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: 7 Aug 2023 · Originally published: 19 Nov 2024

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