Introduction to Care Health Insurance
In an ultra-contemporary uncertain global, wherein scientific emergencies can strike without caution, having a sturdy scientific health insurance plan isn’t only steeply-priced but a necessity. One of the maximum depended on names in this area is Care Health Insurance, formerly called Religare Health Insurance. With an expansive network of hospitals, a variety of plans, and less costly quotes, it has installed itself as a top-tier provider in the Indian medical health insurance panorama.
This article dives deep into all of the factors of Care Health Insurance — collectively with coverage, abilities, plan types, charges, advantages, eligibility, and the declare machine — so that you could make a well-knowledgeable choice for yourself and your circle of relatives.
What Is Care Health Insurance?
Care Health Insurance Limited is a specialised health insurance agency in India regulated through IRDAI (Insurance Regulatory and Development Authority of India). It offers tailored scientific medical insurance plans for people, households, senior residents, and corporations.
Care Health Insurance hobbies to provide low price, dependable, and available healthcare for all. It has won a reputation for its consumer-centric technique and bendy plan structures.
Key Highlights:
| Parameter | Details |
|---|---|
| Company Name | Care Health Insurance Ltd. |
| Formerly Known As | Religare Health Insurance |
| IRDAI Registration No. | 148 |
| Cashless Network | 21,000+ hospitals |
| Claim Settlement Ratio | Over 95% (as per latest IRDAI data) |
| Established In | 2012 |
| Head Office | Gurugram, Haryana |
Why Choose Care Health Insurance?
Care Health Insurance has several distinct advantages that make it a preferred choice for millions of policyholders across India.
Key Features and Benefits:
- Wide Sum Insured Options starting from ₹3 lakhs to ₹6 crores.
- Lifetime Renewability for long-time period fitness protection.
- No-Claim Bonus (NCB) of as a whole lot as one hundred fifty% for every claim-loose yr.
- Annual Free Health Check-ups are protected in most plans.
- Cashless Treatment at over 21,000+ hospitals nationally.
- Fast Claim Settlement with a dedicated declare support group.
- Coverage for AYUSH Treatments, which include Ayurveda and Homeopathy.
- Maternity & Newborn Benefits in pick out plans.
- Pre & Post Hospitalization Expenses covered (as plenty as 30/60 days).
Types of Care Health Insurance Plans
Whether you’re single, married, senior, or a part of a large family, Care Health Insurance has a plan to fulfill your particular healthcare wishes.
Popular Plans at a Glance
| Plan Name | Type | Coverage (₹) | Special Features |
|---|---|---|---|
| Care | Family/Individual | ₹3L – ₹6 Cr | Comprehensive with NCB & OPD |
| Care Plus | Critical Illness | ₹5L – ₹1 Cr | Covers major illnesses like cancer |
| Care Joy | Maternity Plan | ₹3L – ₹25L | Maternity + Newborn cover |
| Care Senior | Senior Citizen | ₹3L – ₹10L | Tailored for 60+ age group |
| Enhance | Super Top-up | ₹3L – ₹55L | Increases your existing cover |
| Care Freedom | Diabetic Plan | ₹3L – ₹10L | For diabetics and people with hypertension |
Family Floater vs Individual Plans
| Criteria | Individual Plan | Family Floater Plan |
|---|---|---|
| Coverage | Separate for each member | Shared among all family members |
| Premium | Higher if more members | Economical for young families |
| Ideal For | Individuals with higher risks | Families with healthy lifestyle |
| Flexibility | More flexible per person | Fixed sum insured for all |
Inclusions and Exclusions
Common Inclusions
- Hospitalization (in-affected man or woman)
- ICU Room Rent
- Daycare Treatments (500+ methods)
- Ambulance Services
- Pre and Post Hospitalization
- Domiciliary Treatment
- Organ Donor Expenses
- COVID-19 Coverage
- AYUSH Treatments
- Health Check-Ups
Common Exclusions
- Cosmetic surgical remedy till required because of twist of fate
- Dental treatments (besides twist of fate-related)
- Sexually transmitted illnesses (STDs)
- Infertility remedy
- Self-damage or suicide strive accidents
- War or nuclear event injuries
- Alcohol/drug abuse-associated complications
Premium Chart: Estimated Costs by means of manner of Age & Coverage
| Age Group | Sum Insured (₹) | Yearly Premium Estimate (₹) | Plan Type |
|---|---|---|---|
| 25–35 yrs | 5 Lakh | ₹6,000 – ₹8,000 | Individual |
| 36–45 yrs | 10 Lakh | ₹10,000 – ₹14,000 | Family Floater |
| 46–60 yrs | 15 Lakh | ₹18,000 – ₹28,000 | Individual |
| 60+ yrs | 5 Lakh | ₹25,000 – ₹40,000 | Senior Citizen Plan |
Note: Actual premium varies based on health, city, and add-ons.
Eligibility Criteria
| Factor | Requirement |
|---|---|
| Minimum Entry Age | 91 Days (Child) |
| Maximum Entry Age | No cap in most plans |
| Policy Term | 1 – 3 Years |
| Medical Screening | Required above age 45 or for pre-existing illnesses |
| Renewability | Lifetime |
| Residency | Indian citizens and NRIs (some plans) |
1. Cashless Claim
- Visit any network sanatorium
- Provide Health Card & ID
- Hospital sends pre-auth request
- Upon approval, Care can pay at once
- You stroll out with out paying a few components (except non-included prices)
2. Reimbursement Claim
- Notify Care about hospitalization
- Pay upfront at any sanatorium
- Collect all bills, discharge precis
- Submit files within 15 days
- Get claim amount in 7–15 running days
Required Documents:
- Filled Claim Form
- Original Hospital Bills & Reports
- Discharge Summary
- Investigation/Diagnostic Reports
- Photo ID & Policy Copy
How to Buy Care Health Insurance Online
- Visit Choose a plan and calculate pinnacle magnificence
- Fill out private and fitness data
- Upload files (if wished)
- Make consistent online price
- Get e-policy via electronic mail
You also can purchase thru:
- Policybazaar
- Coverfox
- Care Insurance App
- IRDAI licensed sellers
Tips to Maximize Your Coverage
- Opt for pinnacle-up covers like Enhance in case you have already got institution coverage.
- Review insurance documents and exclusions carefully.
- Avail NCB (No Claim Bonus) through staying healthy and declare-free.
- Choose multi-12 months coverage for discounts.
- Use preventive fitness test-ups each yr.
Care Health Insurance Customer Care
| Mode | Contact Details |
|---|---|
| Toll-Free Number | 1800-102-4488 |
| customerfirst@careinsurance.com | |
| +91 88604-00000 | |
| Website | www.careinsurance.com |
| Registered Office | Sector-18, Gurugram, Haryana – 122015 |
Frequently Asked Questions (FAQs)
Q2. Are pre-gift situations protected?
Yes, but after a ready length of 2–four years depending on the plan.
Q3. Does Care offer medical health insurance for diabetes or high blood pressure patients?
Yes. The Care Freedom plan is mainly designed for individuals with pre-current situations like diabetes or immoderate BP.
Q4. Can I port my current fitness coverage to Care Health Insurance?
Yes, portability is allowed under IRDAI suggestions.
Q5. Are there tax blessings?
Yes, you may declare tax deductions under Section 80D of the Income Tax Act.
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Conclusion
Choosing an appropriate medical health insurance plan is important for prolonged-time period economic and fitness protection. With its purchaser-first technique, wide variety of policies, and easy-to-access offerings, Care Health Insurance is a clever preference for individuals, households, and seniors.
Whether you need maternity coverage, vital contamination safety, or a pinnacle-up over your company insurance, Care has you included with much less highly-priced and transparent answers. Don’t expect a systematic emergency to strike — protect your health and wealth nowadays.
Disclaimer
The information provided in this article is for general informational purposes only. Care Health Insurance plans, features, and premiums are subject to change. Always refer to the official website or consult a certified insurance advisor before making any decisions. We do not provide any insurance or financial advice.
