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Care Claim Settlement Ratio

100%

Care

94.21%

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 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 Premium Calculator

Use the Care health insurance premium calculator to estimate your health insurance premiums.

Premium Calculator

Enter just a few details to calculate your health insurance premium within 30 seconds.

FAQs

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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