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About Care Health Insurance

Established in the year 2012, Religare Health Insurance Company Limited is a specialized healthcare insurer. Its product line includes protection against Critical diseases, personal accidents, Top-up Coverage, Overseas Travel Insurance and Maternity along with Group insurance policies (Health Insurance and Personal Accident) for corporates.

Care Claim Settlement Ratio




Industry Average

Health claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. Care has a claim settlement ratio of 100%, as compared to the industry average of 94.21%.

Care Health Insurance Plans

Care health insurance offers 15 health insurance plans. The sum insured ranges from Rs. 1 Lakh - 2 Cr. Details of the comprehensive coverage provided by the following 15 Care health insurance plans are listed below:

Care Advantage Health Insurance Plan

Being an ideal health insurance policy, Care Advantage Health Insurance Plan helps you avail of quality medical treatment when you require it the most. The plan is a comprehensive health policy offering high and captivating sums insured up to INR 1 crore. The Care Advantage Health Insurance Plan helps you and your loved ones sail through all sudden and hefty medical bills. Simply put, the policy covers all hospitalization and treatment costs up to the sum insured for you and your family

Main Features of Care Advantage Health Insurance Plan

  1. Care Advantage Health Insurance Plan is obtainable on an individual and family floater basis
  2. The Policy covers all in-patient’s hospitalization expenses including pre-hospitalization (30 days) post-hospitalization (60 days) medical expenses cover for patients admitted in hospitals for over 24 consecutive hours including:
    • All expenses covering room, oxygen, medicines, nursing, boarding ICU, diagnostic equipment, Anesthetist, drugs, surgical appliances, OT, medical practitioners fees, etc.
  3. The Care Advantage Health Insurance Plan covers every medical expense incurred in daycare treatment.This comprises a total of 540+ treatments that need less than 24 consecutive hours of hospitalization
  4. Automatic reinstate of the entire sum insured in case it is exhausted during long or multiple hospitalizations at a time
  5. All medical expenses incurred in case of organ donor for organ harvesting operation
  6. The Care Advantage Health Insurance Plan features an unlimited recharge/lifetime renewability on related illnesses
  7. The plan provides all cashless treatment facilities at more than 7900 hospitals across India along with an incredible emergency ambulance facility
  8. Exceptional tax benefits under section 80 D
  9. No claim the bonus by increasing your sum insured by 10% up to a maximum of 50% in 5 consecutive years cheering for good health

Eligible Age

91 days onwards

PED Waiting Period

4 years


25 Lakh - 1 Cr


10% increase in cover;max upto 50%

Care Cancer Mediclaim Policy

There are certain diseases that have zero predictability and can attack you at any age regardless of your fitness level. One such dreadful illness is cancer. Cancer has been disturbing human lives for over 400 years and still continues to affect millions of people every year. To safeguard your family from this awful disease, cancer insurance is a must.

Cancer Mediclaim policy designed by Care Health Insurance is an efficient cancer care policy to provide you financial coverage for the expenses incurred in the treatment of all types of cancers.

This is an indemnity-based policy that promises to give you the best cancer treatment, provides coverage on hospitalization charges,charges incurred in organ transplants, and chemotherapies

Main features of Care Cancer Mediclaim Policy:

  1. Cancer Mediclaim policy will provide financial coverage for the treatment processes if the insured person is diagnosed with cancer at all stages
  2. In-patient’s care charges covered in the policy:
    • Hospitalization charges for the insured person shall be borne by the company
    • Expenses incurred due to all the daycare procedures are covered in the policy
    • Costs of treatments like chemotherapy, radiotherapy, and other cancer care procedures are covered in the policy
    • The policy covers the expenses of air ambulances up to INR 5 lakhs
  3. Pre-and-post hospitalization charges are covered for up to 30 days and 60 days respectively
  4. Care Cancer Mediclaim policy offers no sub-limits on the Intensive Care Unit (ICU) charges for the insured person
  5. The policy offers coverage on organ transplantation charges up to the sum insured or INR 5 lakhs
  6. Care Cancer Mediclaim policy offers the feature of annual health checkups for the insured person
  7. Special healthcare services including doctor on call and coverage of OPD expenses
  8. For every claim-free year, Care Health Insurance awards an extra bonus on the sum insured
  9. Expenses incurred due to specific alternative treatments are covered in the policy
  10. Care Health Insurance offers lifelong renewability of the policy to its clients
  11. Policyholders can avail of the policy on an instalment basis by paying affordable premiums on a monthly and quarterly basis
  12. The policy offers additional benefits like global coverage and second opinion features
  13. As per section 80 D of the Income Tax Act, tax benefits can be availed by the policyholder on the payment of the premium on an annual basis
  14. Care health insurance promises quicker and hassle-free claim settlements for the welfare of their clients

Eligible Age

5 years - 50 years

PED Waiting Period

2 years


10 Lakh - 2 Cr


50% increase in cover

Care Classic Health Insurance Plan

Care Classic Health Insurance Plan is a zone-based comprehensive health insurance policy for families residing across a range of cities in India. The zone-based health care assists families to stay secured and protected with decent medical insurance irrespective of their residence and availability of healthcare treatment. This insurance covers an affordable premium dissimilar to the city zone. Ideally, there are 3 zones. Individuals can identify their zone based on the pin code of their city. To sum up, the plan covers all medical bills incurred on your family anytime, anywhere

Main Features of Care Classic Health Insurance Plan

  1. Care Classic Health Insurance Plan is available on a family floater basis
  2. The Policy covers all in-patient’s hospital expenses up to the sum insured for individuals hospitalized for 24 hours including
    • Charges consist of room, rent, ICU Charge, Nursing, boarding, oxygen, anaesthesia, drugs, surgical appliances, medicines, OT, diagnostic equipment, surgeons fee, and medical practitioners fee
    • Pre-hospitalization expenses up to 60 days
    • Post-hospitalization expenses up to 90 days
    • OPD care including diagnostic and consultation charges
    • Unlimited e-consultations with physicians
    • Assisted reproductive treatment with new-age technology methods
  3. The Care Classic Health Insurance Plan covers all medical bills sustained in daycare treatment up to the sum insured. This consists of a total of 540+ daycare treatment that requires less than 24 hours of hospitalization
    • The plan covers hospital expenses incurred on admission in AYUSH hospital for over 24 hours
    • Care Classic Health Insurance Plan covers Domiciliary expenses besides providing organ donor cover
    • The plan provides an annual health checkup for every insured member once a year apart from offering unlimited automatic recharge in case the sum insured is exhausted
    • Upon renewability, the plan offers no claim bonus by increasing the sum insured by 10% provided that no claim is made in a year before renewal
    • Care Classic Health Insurance Plan offers cashless hospitalization facilities across a large network of hospitals
    • The Second opinion on treatment along with fascinating tax benefits under section 80 D

Eligible Age

91 days onwards

PED Waiting Period

4 years


5 Lakh - 15 Lakh


25% increase in cover;max upto 150%

Top Features From Care Health Plans

Key Features of Religare Care Health Insurance Plan

  • Up to Rs. 6 Crores of the sum insured with the option to renew the policy throughout the lifetime of the policyholder
  • Wide network of more than 16,500 healthcare providers spread across the country
  • No pre-requisite of medical checkups – for cases wherein the sum insured is below Rs. 25 lakhs and the age of the insured is not above 50 years
  • The facilityy of auto recharge of sum insured if the claim amount exceeds the coverage. This is done at zero additional cost
  • Worldwide cover for 12 critical ailments
  • Additional benefits for NCB (No Claim Bonus) such as 1.5x sum insured
  • Preventive health checkups on an annual basis, irrespective of claim history
  • Hassle-free and cashless claim settlement. It has the best settlement ratio (92%) in the industry
  • Covers expenses incurred during organ donation
  • Covers non-allopathic treatments including Ayurveda, Homeopathy, Unani and Sidha
  • Flexibility to add riders as per one’s needs. For example,air ambulance cover, international second opinion

Exclusions Across Care Health Plans

Policy Exclusions of Religare Care Health Insurance Plan

  • Any diagnosis or surgery whose symptoms are first seen within the waiting period i.e. 30 days of the start date of the Care policy.
  • Expenses due to any injury inflicted by self, including attempted suicide
  • Expenses due to consumption or usage of alcohol, drugs or other such substances
  • Treatment of venereal diseases such as AIDS 5) Birth or congenital disease
  • Maternity related expenses. It includes miscarriage, abortion, childbirth, infertility treatment and in vitro fertilization
  • Hospitalization expenses as a result of war, communal riots, strikes, nuclear attacks, etc.

Care Premium Calculator

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Care Customer Care

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Care Claim Process

Care supports both cashless claims and reimbursement claims. This section covers the information on how to check Care health insurance claim status, fill Care health insurance claim form, and the claim settlement process.

  1. To locate the nearest cashless network visit https://www.careinsurance.com/health-plan-certified-network-hospitals.html ordownload the Care Health-Customer App by clicking here https://bit.ly/3iI2ZfJ
  2. Contact hospital insurance help-desk or billing counter with a copy of patient’s medical ID card, e-health card, pre-authorization form along with valid Govt. ID proof.You can easily access your e-card anytime, anywhere by downloading the Care Health-Customer App
  3. Submitted documents are shared by the billing counter/TPA desk with us, seeking pre-authorization approval
  4. In case any information is incomplete/missing; we may contact hospital for the same
  5. Pre-authorization decision will be given by us post review as per policy terms and conditions
  6. Post treatment discharge summary and other related documents are submitted by the hospital/TPA to us for final approval
  7. We assess the bills basis the sum insured and plan terms & conditions to settle the bill directly with the hospital

  1. You can register your claim online by scanning & uploading the claim documents at the Care Health Insurance ‘Self-Help Portal’ Link-https://www.careinsurance.com/self-help-portal.html or download the Care Health-Customer App to be able to do the same
  2. As per the product you are insured with, download the re-imbursement claim form & submit online or download the Care Health-Customer App to be able to do the same
  3. Upload a personalized name printed cancelled cheque in name of employee for corporate policy and in name of proposer for individual policy
  4. In event of employee’s/proposer’s demise – cancelled personalized cheque (name printed) of nominee, ID proof of nominee & legal heir certificate
  5. You are requested to scan & upload the following documents received from your hospital. Also submit additional documents, if any.
  • Original discharge summary
  • Original final hospital bill with item wise break-up
  • Original paid receipt against the final hospital bill

For Accidental cases

  • MLC/FIR copy (if applicable)
  • Alcohol history (if applicable)
  • Investigation reports (like X-Ray/MRI/CT Scan etc)
  • Attested copy of indoor case papers
  • In case of implant surgery, invoice & sticker
  • For all claims amounting Rs.1 lakh or above please provide copy of any one of these

KYC documents (Aadhaar Card, Passport, Driving Licence Voter ID, etc). Please ensure
that the address on KYC documents is matching with the Policy address

Care Health Insurance Renewal Process

Renewal Process of Care Health Insurance
Generally, a health insurance policy stays active for 1 year after which it requires renewal. However, there are plans which offer 2 to 3 years of validity at extra costs. If a health insurance policy is not renewed on time, it lapses and the policyholder loses all the accumulated benefits. Most insurers offer a renewal window of 7-30 days beyond the policy tenure called a grace period to renew the plan and to protect the continuity benefits of No Claim Bonus (NCB) and waiting period.

Here, you may also note that for every claim-free year, Care Health insurance policyholders can avail of an NCB of up to 100% on the sum insured. Thus, policyholders who haven’t raised a claim during the previous policy term can expect a reward in the next renewal in the form of a boost in the coverage bandwidth without an increase in the premium price.

The renewal process of a Care Health insurance policy is very simple and can be done easily online by following the below steps:

  1. Go to the official portal of Care Health Insurance Company for Care Health policy renewal
  2. Now, click on the ‘renew’ policy section and submit the mandatory fields like Policy Number, Contact Number, and Date of Birth
  3. Submit the captcha and click on the Care Health ‘Renew’ Policy button
  4. Now make the online payment of the renewal premium
  5. You will receive the documents of your policy renewal on your registered email ID


You can reach out to the customer support team through phone or email to get the details. One can also place a request for a callback on the company’s website

Alternatively, one can click on the “Helpdesk” icon on the home page of the company’s website and then go to “Branch Locator”

The updated list of network or empanelled hospitals is available on the company’s website. One can also call us on the Toll-free number 1800-102-4488 or email at customerfirst@religarehealthinsurance.com to get more details.

Yes. The premium paid for the health insurance policies qualifies for a tax deduction as per Section 80D. One can claim a tax deduction of up to INR 25,000 (or INR 50,000 in case of senior citizens) for a premium paid for self, spouse and children. If the premium is being paid for parents an additional deduction of INR 25,000 (or INR 50,000 if parents are 60 years or above) can be claimed.

No. There is no such limit. However, the total claim amount (from all the claims) should not exceed the sum insured.

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