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Care Health Insurance
20,800+ Network Hospitals
100% Claims Settled in the Year 2021-22
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Home > Health Insurance > Care Health Insurance
Overview of Care Health Insurance
Care Health Insurance offers a wide range of health insurance products, catering to the retail segment with offerings such as health insurance, top-up coverage, personal accident, maternity, international travel insurance and critical illness coverage. In addition, they also provide group health insurance and group personal accident insurance for corporations, micro-insurance products for rural markets, as well as a comprehensive set of wellness services.
The company’s core operating philosophy is centred around prioritizing the needs and satisfaction of the consumers. With a commitment to leveraging technology, they have focused on providing exceptional customer service, introducing innovative products and delivering value-for-money services.
Here is the list of awards and accolades that have been conferred upon Care Health Insurance Company -
2024
- ‘Claims Service Leader for the Year’ & ‘Best Health Insurance Company in Rural Sector’ at the India Insurance Summit & Awards
2023
- ‘Excellence in Patient Service Delivery’ at the FICCI Healthcare Excellence Awards
- ‘Smart Insurer’ & ‘Amiable Insurer’ awards in the domain of Health Insurance at the 10th Annual Insurance Summit & Awards
- ‘Best Health Insurance Company of the Year’ at India Insurance Summit & Awards
2022
- ‘Smart Insurer of the Year’ and ‘Sales Champion of the Year’ at The Economic Times Insurance Summit & Awards
2021
- ‘Best Health Insurance Product’ and ‘Best Health Insurance Agents’ awards at the Insurance Alerts Awards
2019
- ‘Best Health Insurance Product Award’ at FICCI Healthcare Excellence Awards
Choose the Best Health Insurance Plan
that provides all the necessary coverage benefits you need at affordable premiums.
Quick Links
- Overview of Care Health Insurance
- Health Insurance Calculator
- Key Features of Care Health Insurance Company
- Our Health Insurance Plans
- Care Health Insurance Contact Details
- Care Health Insurance Add-on Riders
- Care Health Insurance Inclusions
- Care Health Insurance Exclusions
- Care Health Insurance Claim Process
- Documents Required for Buy Health Insurance?
- Documents required for Health Insurance Claim Process?
- Best Health Insurance Plans In India
- Frequently asked questions (FAQs)
Health Insurance Calculator
Key Features of Care Health Insurance Company
Care Health Insurance is a leading provider in India’s health insurance industry, catering to the specific needs of individuals and families. It offers a wide range of plans that can be tailored to suit different requirements.
01
Family-centric plans
Care provides comprehensive family health insurance plans that cover multiple members of the family under one policy. These plans are designed with a focus on the well-being of the entire family, ensuring that everyone’s healthcare needs are met.
02
Pre-existing diseases
Numerous plans provide coverage for pre-existing conditions, subject to specific waiting periods.
03
Daycare treatments
Expanding the scope of medical treatments covered to include daycare procedures.
04
Home care
Several plans provide coverage for medical treatments that can be administered at home.
05
Annual health check-ups
Some insurance policies include annual health check-up facilities which can help detect potential health issues early, leading to better treatment outcomes and lower healthcare costs in the long run.
06
Extensive network
A wide reach of hospitals that accept cashless payments for easy claim settlements.
07
Quick claim processing
Care is renowned for its swift and efficient claim settlement process, ensuring that cashless claims are approved within 2 hours, providing unparalleled convenience to its policyholders.
08
24/7 claim support
Their team of dedicated customer support professionals is available 24/7 to assist with your claims. You can reach out to them at any time for prompt and reliable support.
09
Tax benefits
Policyholders can take advantage of tax benefits offered by relevant sections of the Income Tax Act, which can help in reducing their tax liability.
10
Sum-insured options
You can choose from a range of sum-insured options to suit your specific budget and coverage needs. This flexibility allows you to select the amount of coverage that aligns with your financial resources and provides the protection you need.
11
Lifelong renewability
Many health insurance plans feature the option of lifelong renewability, ensuring that individuals have continuous coverage throughout their lives, which can provide peace of mind and security for the future.
12
Optional add-ons
You can enhance your coverage by adding optional extras such as personal accident, maternity and critical illness covers.
13
Automatic recharge of sum insured
Certain insurance plans provide the option of automatic recharge of the sum insured to ensure continuous coverage without any gaps. This feature helps policyholders avoid any inconvenience or financial strain in case of multiple claims within the policy period.
14
AYUSH treatment coverage
Certain plans now include coverage for Ayurvedic, Unani, Siddha and Homeopathic treatments, expanding access to alternative medical options for individuals seeking a more holistic approach to healthcare.
15
Organ donor cover
This provides financial support for costs associated with organ donation, including medical expenses and recovery care.
Other Insurance Plans
Individual And Family Health Insurance Plan
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Care Health Insurance Contact Details
You may contact Care Health Insurance using the below-mentioned information if you have any queries about Care Health Insurance plans:
Phone: 1800-102-4499 (Sales) or WhatsApp: 8860402452 (Services)
Website: Care Health Insurance
Download the Mobile App for easy policy management.
Care Health Insurance Add-on Riders
Care Health Insurance riders offer policyholders additional coverage benefits beyond their base health insurance policy and can be acquired from Care Health Insurance Limited for an extra premium. These riders serve to increase the coverage level of the policy at the time of purchase or renewal.
01
Care Deductible Option
This rider allows you to lower your health insurance premium. This is done by giving you the choice to customize the deductible amount. It applies to different health plans and helps in settling claims.
02
Care Smart Select
This gives discounts on health insurance at listed hospitals under specific Care plans, but a 20% co-payment applies elsewhere.
03
Care Air Ambulance Cover
It pays for air ambulance services in India during a medical emergency or when transferring between hospitals as recommended by a doctor. This add-on is available under Care Supreme, Care Advantage, Care Senior Health Advantage, Care Insurance and Case Classic plans.
04
Care Co-Payment
It makes a waiver of 20% mandatory co-payment for senior citizens under the Care Advantage policy. Seniors above 60 years pay co-payments under the Care Plus policy. Non-seniors can choose co-payment under the Care Supreme and Care Senior Health Advantage plans.
05
Care Additional Sum Insured for Accidental Hospitalization
It offers additional coverage for hospitalization due to accidents. This is available for policyholders under the Care Advantage, Care Senior Health Advantage, Care Insurance and Care Classic plans.
06
Care Reduction in PED Wait Period
This reduces the waiting period for pre-existing disease coverage from 48 to 24 months. This add-on is available under multiple Care health insurance plans.
07
Care OPD Care
OPD Care rider covers medical expenses for outpatient consultations, pharmacy, medical devices, COVID-19 vaccinations and diagnostic exams under specific plans.
08
Care International Second Opinion
This rider covers the cost of a second medical opinion from a qualified practitioner outside India. It is available in Care Classic, Care Insurance, Care Heart and Care Plus plans.
09
Care Annual Health Check-up
This rider covers the cost of preventive healthcare check-ups every year under the Care Supreme, Care Advantage and Care Classic plans.
10
Care Instant Cover
This rider provides day 1 coverage for pre-existing diabetes, asthma and hyperlipidemia. It is available with the Care Supreme, Care Senior Health Advantage and Care Classic plans.
11
Care Room Rent Modification
This allows the modification of hospital room rent/room category to either a single private AC room or a twin sharing room. It removes the previous restriction of having no limit on room category. This rider applies to the Care Advantage, CarePlus and Care Supreme plans.
12
Care Unlimited Automatic Recharge
This rider restores the sum insured of the health insurance policy unlimited times in a year. This rider is available under Care Advantage, Care Insurance and Care Senior Health Advantage plans.
13
Care No Claim Bonus Super
This increases the sum insured of the base policy by 50% if no claims were made in the previous year. This rider is available with Care Advantage, Care Insurance and Care Senior Health Advantage plans.
14
Care Daily Allowance
This provides a fixed amount to the policyholder on each day of hospitalization. It is offered with Care Advantage, Care Insurance and Care Plus plans.
15
Care Home Care
It covers the cost of a qualified nurse for daily activities on the doctor’s recommendation, available in Care Classic, Care Freedom and Care Heart plans for a maximum of 7 days.
16
Care Co-Payment Waiver
This rider removes the 20% mandatory co-payment clause from the health insurance. It is available in Care Classic and Care Saksham plans.
17
Care Room Rent and ICU Modification
This upgrades hospital room rent/room category eligibility and ICU charges limit. It is available under the Care Senior Health Advantage and Care Classic policies.
18
Care Disease Management Program
This covers diabetes, hypertension, asthma and hyperlipidemia expenses under the Care Classic and Care Senior Health Advantage plans.
19
Care Maternity and Newborn Baby Cover
This rider pays for child delivery and newborn baby expenses. It is available under the Care Classic and Care Plus plans after a 24-month waiting period.
20
Care Sub-limit on Specified Diseases
This rider offers a premium discount for sub-limits on coverage of 9 illnesses, including cancer, under the Care Classic policy.
21
Care Waiver of Sub-limits on Cataract & Advanced Technology Methods Treatments
This rider waives sub-limits on cataract surgery and advanced technology methods under the Care Classic policy.
22
Care Named Illness Wait Period Modification
This rider shortens the waiting period for named illnesses. It is available under the Care Supreme policy.
23
Care New Born Cover
This covers medical expenses for newborns from day 1. It is offered with the Care Supreme policy.
24
Care Plus Benefit
This rider is an additional perk that policyholders can enjoy with the Care Supreme policy. It offers extra financial assistance for all claims processed within a policy year.
25
Care Cumulative Bonus Super
This enhances the “No Claim Bonus” by increasing the base sum insured by 100% for up to 500%. It is available under the Care Supreme policy and prevents claims from impacting the accrued cumulative bonus.
26
Care Be-Fit Benefit
This rider offers unlimited visits to fitness centres within a policy year. It is exclusive to the Care Supreme policy.
27
Care Wellness Benefit
This rider is a feature of the Care Supreme policy that offers a discount on renewal premiums. It tracks healthy days throughout the policy year by recording at least 10,000 steps per day. Accumulating healthy days helps policyholders save on future premiums.
28
Care Women Care
This rider covers expenses for mammography, cervical cancer screening, PCOS, and PCOD under the Care Supreme policy.
29
Care Mental Health Wellbeing
This rider covers the cost of outpatient consultations, counseling, and rehabilitation for mental health disorders. It is available under the Care Supreme policy.
30
Care Claim Shield
This rider provides coverage for expenses typically not covered by health insurance. It is an additional feature of the Care Supreme policy.
31
Care Sub-limit on Advanced Technology Methods
This rider limits medical treatments using advanced technology methods under the Care Senior Health Advantage policy.
32
Care OPD Consultations & Therapy Expenses
This rider covers expenses for outpatient consultations and prescribed therapy under the Care Senior Health Advantage policy.
33
Care Sub-Limit on Specified Diseases
This rider places a sub-limit on certain treatments and procedures like cataract treatment and cancer. It can be added to the Care Senior Health Advantage policy.
34
Care Increase in PED Waiting Period
In this rider, the policyholder can extend the pre-existing disease waiting period in the Care Senior Health Advantage policy. The waiting period under this rider extends from the existing 12 months.
35
Care Termination of Automatic Recharge Coverage
This is designed to end the coverage provided by the automatic recharge cover. It is an option offered within the Care Senior Health Advantage policy.
36
Care Modification of No Claim Bonus
This rider limits the “No Claim Bonus” to 10% for every claim-free year up to 50% of the base sum insured and is available under the Care Senior Health Advantage policy.
37
Care Modification of Pre-hospitalization and Post-hospitalization Medical Expenses
It adjusts coverage for pre and post-hospitalization expenses to 30 and 60 days respectively. This rider is available with the Care Senior Health Advantage policy.
38
Care Companion Benefit
This rider offers financial support to policyholders in the event of hospitalization lasting 10 days or more. It is a feature of the Care Senior Health Advantage policy, providing additional peace of mind and security for the insured.
39
Care Sub-limit on Hospitalization-related Expenses
This rider is an additional feature of the Care Senior Health Advantage policy. It imposes a sub-limit on the amount of coverage provided for hospitalization expenses.
40
Care Global Coverage – Total
This rider enables individuals to receive comprehensive coverage for hospitalization and specific medical procedures globally, including maternity benefits. It can be added to the existing Care Insurance policy.
41
Care Travel Plus
This rider covers emergency medical and travel assistance during overseas trips, including in-patient cover, baggage loss, OPD cover, repatriation of remains, passport loss, and medical evacuation.
42
Care Everyday Care
This rider covers everyday care services like outpatient consultations, diagnostic exams, COVID-19 vaccinations, and specified healthcare services under the Care Insurance policy.
43
Care Personal Accident
It provides financial assistance in case of accidental death or permanent total disability. It offers a lump sum amount to help cover expenses and supports the policyholder’s family. This rider is a valuable addition to the Care Insurance policy, offering an extra layer of protection for unforeseen circumstances.
44
Care Extension of Global Coverage
This rider offers an extension of global coverage, allowing for 90 days in a single trip and 180 days cumulatively. This rider can be added to the Care Insurance policy, providing greater flexibility and peace of mind for international travel.
45
Care No Claim Bonanza
This rider is a feature that can be added to the Care Joy Maternity Insurance policy. It offers the benefit of increasing the base sum insured by 100% if no claims have been made in the last 3 consecutive policy years. This bonus serves as an incentive for policyholders to maintain a healthy lifestyle and avoid making claims.
46
Care Active Health Check-up
This rider covers the cost of specified medical tests that are conducted three times within a policy year. It can be added to the existing Care Heart policy to enhance the coverage.
47
Care Good Health+
This rider is a part of the Care Freedom policy and it includes 8 doctor consultations with an empanelled doctor. However, there is a mandatory co-payment required to avail of this benefit.
48
Care Health Check+
This rider offers the option to upgrade your annual health check-up benefit to either a diabetes health check-up or a cardiac health check-up. It is specifically available under the Care Freedom policy.
Care Health Insurance Inclusions
- Inpatient Hospitalization: Covering hospital expenses including room rent, ICU charges and doctor’s fees during planned or emergency hospitalization up to the sum insured.
- Pre-Hospitalization Medical Expenses: Covering pre-hospitalization expenses up to 60 days before admission.
- Advanced Medical Treatments: Get modern medical treatments like robotic surgeries and chemotherapies with our health insurance plans in India.
- Daily Allowance: Offering a fixed amount for everyday hospitalization.
- Post-Hospitalization Medical Expenses: Covering follow-up visits and medical tests up to 180 days after hospital discharge.
- Domiciliary Hospitalization: Cvering home-based care expenses for elderly members under medical coverage terms.
- AYUSH Treatments: Covering modern and traditional treatments combined, offering alternative options.
- Coronavirus Treatment: Hospitalization and medication coverage for COVID-19 treatment according to policy terms.
Care Health Insurance Exclusions
- Self-Inflicted Injuries: No coverage for self-harm injuries.
- Recent Medical Events: Excludes diseases, surgeries, or medical events (except accidents) occurring within 30 days of the policy start date.
- Substance Misuse: Expenses related to the use, misuse, or abuse of alcohol or drugs are not covered.
- Pregnancy and Childbirth: Treatment arising from or related to pregnancy, childbirth, miscarriage, abortion, and their consequences are excluded.
- Infertility Treatments: Tests and treatments for infertility and in vitro fertilization are not covered.
- Cosmetic Treatments: Cosmetic or aesthetic treatments that are not deemed medically necessary are excluded.
- War and Civil Unrest: Hospitalization due to war, riot, strike, or nuclear weapons is not covered.
Care Health Insurance Claim Process
Care Health prioritizes your health and aims to alleviate stress during unexpected medical situations. This guide will simplify the process of filing claims under your insurance plan, whether it is for emergency hospitalization, planned procedures or selecting between cashless and reimbursement options.
Timely Intimation is Key
- Contact the helpline number within 24 hours of hospitalization for efficient claim processing.
- Notify the Care office 48 hours before a planned procedure for pre-authorization and smoother claim settlement.
Choosing Your Claim Path: Cashless or Reimbursement
- For cashless claims at in-network hospitals, request pre-authorization at the insurance/TPA desk. They will handle the paperwork while you focus on recovery.
- For non-network hospitals or upfront payments, submit the claim form and required documents for reimbursement.
Claim Approval Process
- Complete the pre-authorization form at the hospital's insurance/TPA desk and submit it to Care via fax.
- Your request will be reviewed and an approval letter will be sent to you.
- Prompt responses from you or the hospital will speed up the claim assessment process.
Care Health Insurance Claim Process Through Claim Genie
At Care Health, accessibility and hassle-free claim processes are the top priorities. With “Claim Genie” integrated into their Care Health Customer App, you can conveniently handle all your health insurance needs. The user-friendly app allows for claim intimation, online form submission, document uploads and real-time claim status tracking.
Make sure you have all the necessary documents ready for a quick claim settlement, whether you are opting for the cashless or reimbursement method. Having the right paperwork in order will help expedite the process and ensure that you receive timely compensation for your claim.
Required Documents for a Smooth Claim Experience
Filled and signed claim form with name, policy number, illness details and address.
Include all medical test reports and relevant documentation.
Original hospital bills, discharge summaries and payment receipts are crucial for claim verification.
Attach pharmacy bills and corresponding prescriptions for medication used during treatment.
Include police FIR and post-mortem report (if applicable) for accident claims.
Claim Intimation Made Easy with Claim Genie
Open the Care Health Customer App on your smartphone
Find and click “Claim Genie” and then “Claim Intimation” on the home screen
Choose between “Emergency” or “Planned” when asked to choose a claim type.
Enter claim details for the insured member.
Upload your medical documents for your claim.
Track Your Claim Status with Ease
To ensure absolute transparency, you have the power to monitor the progress of your claim at any given moment. All you need to do is access the app’s homepage and click on the “Claim Tracking” option. This section provides you with a comprehensive overview of all your active claims. By selecting the “Track Cliam” feature for the specific claim you wish to keep tabs on, you will instantly presented with the most up-to-date status update. Moreover, the app grants you the ability to effortlessly download vital documents, ranging from query and settlement letters to approval notices.
Documents Required for Buying a Health Insurance
- Valid ID proof like an Aadhar card, voter ID, PAN card, or passport is required.
- Accepted address proofs include utility bills, rent agreements, and bank statements.
- Insurance providers must do CDD for new policyholders using provided KYC documents.
Documents Required for Health Insurance Claim Process
- Filled and signed claim form with name, policy number, illness details and address.
- Include all medical test reports and relevant documentation.
- Original hospital bills, discharge summaries and payment receipts are crucial for claim verification.
- Attach pharmacy bills and corresponding prescriptions for medication used during treatment.
- Include police FIR and post-mortem report (if applicable) for accident claims.
Best Health Insurance Plans In India
When it comes to the best health insurance, there is no “one-size-fits-all” policy. It is like choosing a Netflix or OTT plan - different plans offer different benefits and have different costs. However, this age is designed to meet the diverse needs of most users, making it a versatile and comprehensive health insurance comparison page.
It is essential to conduct a thorough comparison to find the policy that best suits your needs. We have created a comprehensive table of how some of the top mediclaim policies in India compare to others in the industry.
| Insurance Provider | Plan Name | Coverage Type | Sum Insured Range | Age Limit (Adults) | Important Parameters | |
|---|---|---|---|---|---|---|
| Care Advantage Health Insurance Plan | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
|
Check Premium |
Frequently Asked Questions (FAQs)
Care Health Insurance is a reputable company in India that offers a wide range of health insurance plans for individuals, families and corporations. Their plans are designed to provide financial support in case of illness, injury or hospitalization, helping individuals and families to cover their medical expenses.
Care Health Insurance provides a variety of plans designed to suit different requirements and financial capabilities, such as individual plans, family floater plans, senior citizen plans and critical illness plans.
Yes, Care Health Insurance offers cashless treatment at their network hospitals, eliminating the need for upfront payment of covered medical expenses.
Care Health Insurance provides the convenience of both cashless and reimbursement claim settlement. Cashless claims are quickly resolved within 6 hours, whereas reimbursement claims may take a longer time of up to 7 days.
Care Health Insurance offers a user-friendly network hospital finder tool on its website, allowing users to easily search for hospitals by location or name. This feature provides convenience and accessibility for individuals looking to find healthcare facilities within their network.
The minimum age requirement for coverage varies depending on the specific plan. Some plans may start coverage as early as 91 days old while others may have a minimum age of 18 or higher. It is important to carefully review the terms and conditions of the plan to understand the age requirements for coverage.
Pre-existing condition coverage varies based on the chosen plan, with some offering coverage after a waiting period. It is essential to carefully review the policy wording to know which pre-existing conditions are covered.
The cost of a Care Health Insurance plan can vary based on factors such as your age, health condition, desired coverage amount and the specific plan you choose. You have the option to receive a customized quote by visiting their website or reaching out to an agent for assistance.
It is important to note that the required documents for a cashless claim may vary depending on the specific circumstances. However, in most cases, you will typically need to provide your policy documents, a doctor’s referral and your medical records. To ensure that you have the most up-to-date information, it is recommended to contact Care Health Insurance or the network hospital directly for the latest requirements.
Consider your age, health status, budget and desired coverage level when choosing a Care Health Insurance plan. Think about the medical expenses you want to cover, the need for OPD coverage and the importance of pre-existing condition coverage.
It is crucial to thoroughly read the policy wording to grasp any potential exclusions that might be in place. These exclusions typically encompass self-inflicted injuries, cosmetic surgeries and treatment for specific pre-existing conditions, all of which depend on the specific plan.
Keep your policy documents easily accessible and notify Care Health Insurance right away if you get hospitalized for a smooth claim settlement process. Ensure that you have the required documents for your claim type, whether it is cashless or reimbursement. Additionally, before getting admitted, confirm that the hospital you have chosen is indeed in Care Health Insurance’s network.
Customer ratings for Care Health Insurance may differ across platforms. It is recommended to read reviews on multiple platforms to gain a comprehensive understanding of their service, despite their industry recognition and awards.
You can buy a Care Health Insurance plan directly from this website, where you can also compare different Care health insurance plans and get quotes.
