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Care Health Insurance Care Health Insurance ★ 4.4

Care Group Health Insurance

Care Group Health Insurance offers a wide range of inclusions, includi ...Read More

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

About Care Group Health Insurance

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

Care Health provides Group Health Insurance, Group Personal Accident Insurance, and Group Travel Insurance. Care Health Insurance has offered over 11,000 corporate policies in more than 25,000 locations across India. Care group health plans offer features like customized coverage, coverage for partial and permanent disability, and trip delay coverage.

With Care group health insurance plans, employees can cover immediate family members. Additionally, you get corporate buffer, paperless claim settlements, online risk assessment, and digital accessibility. The claim settlement ratio for Care Health is 92.77% for FY 2023-24.

Care group health plans are designed for personalized business needs. Read the article below to explore the inclusions, exclusions, features, and benefits of the Care group plans.

Plan at a glance

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

Entry age
Flexible eligibility
Plan type
Group Health Insurance
Waiting period
Coverage from day 1
Renewability
NA
Policy term
1 Year

*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

  • 11000+ corporate policies
  • 25000+ locations covered
  • 92.77% claim ratio

Cons

  • Infertility not covered
  • War-related claims excluded
  • Waiting period applies

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

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

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

Modern & preventive care

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

Conditions & global

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

Care Group Health Plan Benefits

  • Listed below are the benefits of Care group health plans.
For EmployeesFor Employers
No pre-policy medical check-ups, covering you from day 1.Customize the sum insured and policy benefits according to the majority of employees.
Tax benefits are available if you pay group health premiums under section 80D of the Income Tax Act, 1961.Tax benefits are available under section 80D of the Income Tax Act, 1961.
Health check-up camps, health insurance awareness camps, and more.Helps in retaining employees by offering mental peace and comprehensive healthcare coverage.
Additional riders/ benefits available for personalized coverageCare group health insurance offers competitive pricing to organizations.
Access to all policy-related documents and queries with the Care Health App.Dedicated relationship managers for corporate health plans are offered.

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 →

Inclusions & exclusions

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

Exclusions

  • Permanent diseases or health conditions not included under Care Group Health Exclusions are:
  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Infertility and in vitro fertilization
  • Miscarriage and abortion
  • Congenital disease
  • Certain diseases and treatments are covered under Care Health group plans. Read the details below:
  • Specific diseases after 2/3 years
  • Pre-existing diseases after 4 years

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Adults: 18 to 99 years
  • Children: from 91 days
  • Covers employees' families
  • No pre-policy check-up

Other features & benefits

Conclusion

Care Health group insurance stands out as a reliable choice for comprehensive health coverage, offering tailored plans that cater to diverse needs. With its extensive network of over 21,600 hospitals and focus on customer-centric services, it provides peace of mind for individuals and families alike. By prioritizing affordability and accessibility, Care Health ensures that quality healthcare is within reach. Choosing Care Health group insurance means investing in a secure and healthy future, backed by a trusted name in the industry.

To know more about health insurance plans from Care Health Insurance, connect with our expert advisors.

We offer No Spam, No Gimmicks, Only Expert Insurance Advice.

Care Group Health Insurance: FAQs

The 7 most-asked questions about Care Group Health Insurance, answered.

Care Health Insurance offers the Care group health plan and Arogya Sanjeevani health plan.
The latest claim settlement ratio for Care Insurance for FY 2023-2024 is 82.31%.
You can connect with Care Health Insurance by simply calling 044-6900-6900 or downloading their Care Health app.
Care Insurance offers cashless treatments across India with its 21,600+ network hospitals.
Care Group health plans cover maternity and newborn expenses as an optional benefit.
Yes, optional coverage benefits like maternity coverage and newborn baby coverage are available.
Care group health plans offer tax benefits under section 80D of the Income Tax Act, 1961.

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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: 9 Jul 2025 · Originally published: 9 Jul 2025

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