Health Insurance
Care
Care Health Insurance (formerly Religare Health Insurance) is an Indian health insurance company. Started in 2012, the company offers many insurance policies including critical illness, top-ups plans, senior citizen plans. It also has policies that cover pre-existing heart diseases and policies for diabetic patients without any pre-policy medical checkups.
Care Health insurance plans
Senior Health Advantage
The Care Senior Health Advantage plan is a health insurance policy tailored to meet the needs of senior citizens aged 60 and above. It provides coverage for hospitalization, pre- and post-hospitalization expenses, AYUSH treatments, and domiciliary care. The plan includes annual health check-ups, unlimited e-consultations, and access to a wide hospital network (11,400+). However, the plan has only two options for cover amounts, which are ₹5 lakhs and ₹10 lakhs.
Care Senior
The Care Senior plan is a health insurance policy tailored specifically for individuals aged 60 and above. It offers a sum insured ranging from ₹3 lakhs to ₹10 lakhs, covering in-patient hospitalization (up to SI), pre- and post-hospitalization expenses (30-60 days respectively), AYUSH treatments (up to 20K, depending on SI), and domiciliary care (up to 10% of SI). The plan includes annual health check-ups, coverage for 541 daycare procedures (up to SI), and organ donor expenses (up to 1L, depending on SI).
Care Supreme - Senior Super
The Care Supreme - Senior Super plan is a specialized health insurance policy designed for senior citizens with complex pre-existing diseases (PEDs) like heart ailments or diabetes. It offers coverage for pre- and post-hospitalization expenses (up to 60 and 180 days), alongside unlimited e-consultations, unlimited automatic restoration of sum insured, and AYUSH coverage.
Care Supreme
Care Supreme is a flexible, all-round health insurance plan built for Indian families who want strong core coverage with room to personalise. It covers hospitalisation, day care, advanced treatments, pre- and post-hospitalisation, AYUSH, organ donor expenses, and unlimited e-consultations, starting from a ₹5 lakh sum insured going up to ₹1 crore. You can customise further with add-ons like air ambulance, and even wellness-linked premium discounts. With both in-patient and some OPD benefits via riders, it’s a smart pick for those wanting dependable, long-term protection that adapts to changing health needs without being overly complex.
Care Plus Youth
The Care Plus Youth plan is a comprehensive health insurance policy tailored for young adults aged 18 to 35. It offers sum insured options ranging from ₹3 lakhs to ₹25 lakhs, covering in-patient hospitalization (up to SI), pre- and post-hospitalization (60 and 90 days), daycare treatments (up to SI), AYUSH coverage (up to SI), and annual health check-ups. Unique features include unlimited automatic recharge of the sum insured, no co-payment clause, OPD consultations, inflation shield, an Earn-and-Burn reward program, and maternity benefits up to 25K through an add-on (depending on SI). With cashless treatment at over 11,400 hospitals, it ensures accessible healthcare for the “youth”.
Care Plus Complete
The Care Plus Complete plan is a comprehensive health insurance policy designed to cater to diverse healthcare needs for individuals and families. It offers sum insured options ranging from up to ₹25 lakhs and includes benefits such as unlimited restoration of the sum insured, annual health check-ups, pre- and post-hospitalization expenses (60-90 days respectively), alternative treatments (AYUSH)(up to SI), and daycare procedures (up to SI). Unique features include an inflation shield, no co-payment clause, and coverage for advanced treatments (up to SI).
Care Supreme - Senior Premium
The Care Supreme - Senior Premium plan is a specialized health insurance policy designed for senior citizens with complex pre-existing diseases (PEDs) like heart ailments or diabetes. It differs from the Senior Super variant by not imposing disease-wise sub-limits, ensuring full coverage up to the sum insured for all diseases. Both plans offer similar coverage, but the Senior Premium plan provides more comprehensive protection without sub-limits.
Care
The Care Health Insurance Plan is a comprehensive policy designed to cater to diverse healthcare needs for individuals and families. It offers sum insured options ranging from ₹5 lakhs to ₹75 lakhs and includes coverage for in-patient hospitalization (up to SI), pre- and post-hospitalization expenses (30-60 days respectively), daycare procedures (up to SI), AYUSH treatments (up to SI), and domiciliary care (up to 10% of SI). Unique features include annual health check-ups, no-claim bonus shield (10% up to 50% in case of no claims), and optional add-ons such as air ambulance cover and reduction in the waiting period for pre-existing diseases. With access to over 11,400 network hospitals, it ensures seamless cashless treatment.
Care Supreme - Value for Money
The Care Supreme Value for Money plan by Care Health Insurance is an affordable health insurance option offering sum insured choices between ₹10 lakhs and ₹15 lakhs. The plan includes emergency road ambulance services but comes with notable restrictions like room rent capped at most Economical Single Private AC room available in the hospital and mandatory 20% co-payment outside its selected network hospitals. It aims to provide basic health coverage at a competitive premium.
Joy Tomorrow
The Care Joy Tomorrow plan is a maternity-focused health insurance policy designed to provide financial security for expectant mothers and newborns. It offers sum insured options of up to ₹5 lakhs, with maternity coverage capped at ₹35,000 and ₹50,000, respectively. The plan includes essential benefits such as inpatient care (up to SI), pre-hospitalization expenses up to 30 days, post-hospitalization expenses up to 60 days, daycare treatments (up to SI), and ambulance cover up to ₹1,000 per claim.
Joy Today
The Care Joy Today plan is a maternity-focused health insurance policy designed to provide financial security for expectant mothers and newborns. It offers a sum insured of up to ₹5 lakhs, with maternity coverage up to 50K. The plan includes coverage for pre- and post-hospitalization expenses (30-60 days respectively), daycare treatments (up to SI), ambulance charges up to ₹1,000 per claim, and newborn baby expenses up to 50K depending on the sum insured. With a reduced waiting period of 9 months for maternity benefits, it aims to address the rising costs of childbirth.
Enhance Super Top-up
A pretty decent super top-up plan overall. And while the plan doesn't offer a disproportionately large cover (has a cap of 55 lakhs) it covers most use cases and that should be decent enough for most people.
Care Freedom plan
The Care Freedom plan is a health insurance policy designed for individuals with pre-existing conditions like diabetes, hypertension, and high BMI. It offers coverage options ranging from ₹3 lakhs to ₹10 lakhs and includes benefits such as in-patient hospitalization (up to base SI), pre- and post-hospitalization expenses (up to 10% of payable hospitalization expenses depending on SI opted for), AYUSH treatments (up to SI), and annual health check-ups. Notably, it has a relatively short waiting period of 24 months for pre-existing diseases. The plan also provides coverage for daycare procedures (up to SI), domiciliary hospitalization (up to 10% of base SI), and consumable allowances (up to 1K/day depending on SI opted), making it suitable for lifestyle-related health concerns.
Care Classic
The Care Classic plan is a family floater health insurance policy designed for joint families and married couples. It offers sum insured options of ₹5 lakhs, ₹7 lakhs, ₹10 lakhs, and ₹15 lakhs. The plan covers daycare treatments, assisted reproductive treatments, pre- & post-hospitalization (60-90 days respectively), AYUSH treatments (up to SI), and unlimited e-consultations. It also includes a no-claim bonus of 25% up to 150% (in case of no claims made), automatic restoration of the sum insured, and organ donor cover (up to 10% of SI).
Care Advantage
Care Advantage by Care Health Insurance is a high-value plan that offers coverage of up to ₹6 crore. This makes it ideal for those seeking extensive protection. With features like global coverage, unlimited e-consultations, and comprehensive pre- and post-hospitalization benefits, the policy ensures access to quality healthcare worldwide. In addition, add-on benefits such as air ambulance cover, reduced waiting periods for pre-existing conditions, and inflation shields make it a solid option for individuals and families looking for premium healthcare solutions at affordable prices.
Care Supreme - Super Saver
The Care Supreme Super Saver plan is an affordable variant of the flagship Care Supreme health insurance policy, offering extensive coverage with a mandatory deductible of ₹25,000. The plan includes outpatient consultation coverage and offers benefits like a cumulative bonus and unlimited automatic recharge of the sum insured. Designed for individuals and families, this plan balances comprehensive coverage with lower premiums, thanks to the compulsory deductible.
Supreme Enhance Super Top-up
The Care Supreme Enhance Super Top-up plan is designed to provide additional financial protection by topping up your existing health insurance cover with a sum insured ranging from ₹20 lakhs to ₹1 crore. it activates once the deductible threshold (5L to 15L) is paid off in a year, either by a base plan or out of pocket. The plan features unlimited automatic restoration of the sum insured and a cumulative loyalty bonus, which is quite a rare feature in super top-ups. It also includes a mandatory add-on that removes room rent restrictions.
Care Heart
The Care Heart plan is a specialized health insurance policy designed for individuals with pre-existing heart conditions. It offers sum insured options ranging from ₹3 lakhs to ₹10 lakhs and covers inpatient hospitalization (up to SI), pre- and post-hospitalization expenses (30-60 days respectively, maximum up to 5% of SI), daycare treatments (up to SI), and alternative treatments (up to SI). Unique features include annual cardiac health check-ups, automatic restoration of the sum insured, and optional add-ons like OPD care and home care. Unlike other Care plans, it focuses specifically on heart-related ailments with a shorter waiting period of 24 months for pre-existing conditions.
Care Ultimate
Care Ultimate is the newest comprehensive health insurance plan from Care Health Insurance, offering sum insured options from ₹5 lakhs to ₹1 crore. It features unique benefits like the Infinity Bonus and the Loyalty Boost. The plan also includes premium payback, instant cover add-ons, and multi-year payment options to escape inflationary price hikes. With no co-payment and no room rent limits, it is designed to offer extensive, flexible coverage with attractive rewards for claim-free policyholders.
Care Health insurance claim process
Care claims can be of different types based on the hospital in which you are getting the treatment. If it’s part of Care's network hospitals, you can get a “Cashless claim” in which insurance company directly pays the bills to the hospital. But if your choice of hospital is not part of their network, then you have to pay the bills and apply for reimbursement claim. Here’s a brief process for both types of claims:
Cashless Claims
Inform the Hospital Desk
All network hospitals have an insurance desk. You can submit your policy copy (even soft copy works), ID proof, initial diagnosis report and the insurance desk will request the insurance company for “pre-authorization”. In case of planned treatments, you need to do this process 2 days before hospitalization
Insurer’s decision
Based on the provided documents, insurance company approve the claim and the hospital will start the treatment and they will co-ordinate with insurer for the treatment costs. In case of Cashless claim rejection, you can still go ahead with the treatment. In this case, you will need to pay the bills initially and can file for a reimbursement claim later
Discharge
If your cashless claim is approved, at the time of discharge, the insurance company will do the final settlement with the hospital and once that is sorted, you are good to go.
Reimbursement Claims
Inform the insurance company
For any planned treatments, you need to inform the insurance company 2 days before hospitalisation. In case of emergency, you can inform within 24 hours of admission. Insurance company will acknowledge the intimation.
Hospitalization
You need to submit a insurance claim form along with original copies of hospital bills, doctor consultation reports, and diagonstic reports.
File the claim
Within 30 days post discharge, you can initiate the claim online or at any of the registered offices of the insurance company. You need to fill a claim form and attach all the reports and bills.
Insurer’s decision
Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.
Care Health Insurance Renewal
Firstly, if you’ve purchased the policy online, you’ll always receive an intimation e-mail from the insurer around 30 days before the renewal date. The e-mail will have a renewal link that will directly take you to the page where you can make the payment and check policy details. And it’s done. You’ll receive the policy document via e-mail.
However, in case you choose to do it on your own, here’s what you need to do:
Visit the website
Visit the Care website and then go to the Renewal section here.
Enter details
You’d be asked to provide your current policy number which you can find in the policy soft copy. You may as well be asked to enter your mobile number, email ID, Date of Birth or policy expiry date.
Review and edit the policy details
Next, you’ll be able to see details of your new policy and the renewal premium you need to pay. Also, you’ll be given the option to make some changes related to sum insured, existing covered members, etc.
Complete the payment and it’s done
Once you confirm the details, you’ll be directed to the payment gateway. Once the payment is complete, you’ll receive your new policy soft copy via e-mail.
Few things to consider when renewing your Care health insurance policy
- If you want to increase your Sum Insured, now is the time. You can’t do it anytime during the year.
- If you didn’t make a claim in the past year, make sure you have been given a no-claim bonus if your policy offers it.
- If you want to add members like your spouse or kids, you have the option to do so only at the time of renewal. So do give this a thought.
Customer Reviews
View All
Care Customer Care
Need a human touch?
Talk to us and we will navigate the complex world of insurance together. It's free and we will never spam you. Pinky Promise!!!
