Navigating the healthcare system in India can be overwhelming without financial protection. That’s where Care Health Insurance steps in. As a leading standalone health insurance provider, Care Health Insurance (formerly Religare Health Insurance) has transformed how Indians access medical care.
In a country with rising medical inflation and increasing lifestyle diseases, Care Health Insurance plays a vital role in ensuring accessible, affordable, and quality health protection. Their plans cater to a diverse set of customers—from young professionals to senior citizens, expectant mothers, and patients with chronic conditions.
Care Health Insurance is known for its wide hospital network, robust digital infrastructure, and high claim settlement ratio. With over 20,800+ network hospitals, 24×7 customer support, and a host of customisable plans, it has become a go-to choice for millions of Indians.
Whether you are looking for basic medical coverage or a policy that covers critical illnesses, maternity, or pre-existing conditions—Care Health Insurance has a solution for every need.
Company Background
Founded in 2012, Care Health Insurance began its journey as Religare Health Insurance—a venture by Religare Enterprises, Union Bank of India, and Corporation Bank. Over time, it rebranded to Care Health Insurance, reflecting a broader and more patient-centric vision.
Today, it operates as a standalone health insurer, licensed by the Insurance Regulatory and Development Authority of India (IRDAI), and is part of the Religare Group. Its core focus lies exclusively in health insurance, unlike general insurance companies that deal with multiple segments.
Timeline of Growth and Evolution in India
- 2012: Launch of operations with a range of health products.
- 2015: Reached 2 million customers across urban and rural India.
- 2017: Became one of the fastest-growing health insurers in India.
- 2020: Rebranded from Religare Health to Care Health Insurance.
- 2022: Introduced AI-powered claim approvals and pre-authorisation.
- 2023–25: Expanded offerings for chronic diseases, digital wellness, and rural outreach.
Key Milestones and Business Highlights
- Over 6 million customers served.
- Presence in more than 300 cities across India.
- ISO 9001:2015 certified for quality management systems.
- Partnered with more than 20,800 hospitals for cashless treatments.
- Launched innovative products like disease-specific and organ-focused mediclaim plans.
Mission and Vision
Mission: To provide affordable and comprehensive healthcare insurance solutions, promoting preventive care and financial protection.
Vision: To be India’s most trusted and preferred health insurance partner by delivering simplified, transparent, and human-centric services.
Why Choose Care Health Insurance
1. Specialised Focus on Health Insurance
Care Health Insurance is not distracted by other insurance segments. It solely focuses on health, allowing for better product innovation, service delivery, and customer engagement. You get expertise that is entirely health-centric.
2. Wide Cashless Hospital Network
The company boasts of over 20,800+ cashless hospitals. Whether you are in a metro or a rural town, you can access top-tier medical care without worrying about upfront payments or reimbursements.
3. Customer-Centric Digital Tools
From buying a policy to renewing or making claims, everything is online. Their mobile app and web platform offer e-cards, instant chat support, AI-based claim approvals, and more—making the experience seamless.
4. High Claim Settlement Ratio
With a claim settlement ratio above 95%, Care Health Insurance ranks among the best in India. Their streamlined processes and efficient Third-Party Administrators (TPAs) ensure speedy approvals and minimal hassles.
5. Broad Range of Plans
You can choose from more than a dozen tailor-made plans that cover general hospitalisation, maternity, senior care, diabetes, critical illness, heart diseases, and even cancer. There’s a specific plan for every stage of life.
6. Pre- and Post-Hospitalisation Benefits
All major plans include generous coverage for pre-hospitalisation (up to 60 days) and post-hospitalisation (up to 180 days). This helps with diagnostics, investigations, follow-ups, and medication.
7. No-Claim Bonus Up to 150%
Policyholders are rewarded with increased sum insured for every claim-free year—without paying extra. This is particularly helpful for young families or healthy individuals who don’t make frequent claims.
8. Affordable Premiums with Tax Benefits
Plans are budget-friendly and come with flexible instalment options. Plus, you get tax exemptions under Section 80D of the Income Tax Act for premiums paid towards health insurance.
Different Insurance Plans Offered
a) Care Supreme Plan
Overview:
A high-coverage, all-in-one plan that offers comprehensive protection, wellness benefits, and lifestyle disease management. Ideal for individuals and families seeking extensive benefits.
What is Covered:
- Unlimited e-consultations and wellness support.
- Room rent without sub-limits.
- Annual health check-ups from day 1.
- Organ donor expenses.
- AYUSH treatments (Ayurveda, Yoga, etc.)
What is Not Covered:
- Cosmetic surgeries.
- Unlisted alternative treatments.
- Self-harm or suicide-related claims.
- Adventure sports injuries.
- Claims during the initial 30-day waiting period.
b) Care Health Insurance Plan
Overview:
Flagship plan offering broad coverage ranging from ₹3 lakh to ₹6 crore. Covers hospitalisation, treatments, and follow-ups.
What is Covered:
- In-patient care and ICU charges.
- Pre and post-hospitalisation expenses.
- Organ donor surgery.
- Daycare treatments.
- Second opinion for major illnesses.
What is Not Covered:
- Congenital diseases.
- Cosmetic dentistry.
- Fertility treatment.
- HIV/AIDS or STDs.
- Non-prescription drugs.
c) Care Joy Maternity Insurance Plan
Overview:
Perfect for expecting couples. Covers pregnancy, delivery, and new-born expenses along with pre- and post-natal care.
What is Covered:
- Normal and C-section delivery expenses.
- Hospitalisation and maternity complications.
- Vaccinations for the baby in the first year.
- Pre- and post-natal care.
- Newborn baby cover for up to 90 days.
What is Not Covered:
- Infertility and IVF treatments.
- Birth defects or genetic disorders.
- Expenses beyond coverage limit.
- Dental or vision care for newborns.
- OPD expenses.
d) Care Senior Health Advantage Plan
Overview:
Tailored for senior citizens with minimal paperwork and no pre-policy health check-up for select age groups.
What is Covered:
- Pre-existing disease cover after waiting period.
- Daycare procedures.
- Domiciliary hospitalisation.
- AYUSH coverage.
- Home nursing if medically advised.
What is Not Covered:
- Treatment outside India.
- Hearing aids or prosthetics.
- Psychiatric disorders.
- Joint replacements (during waiting period).
- Age-related vision correction.
e) Care Classic Plan
Overview:
An affordable plan targeting first-time policy buyers and small families. Available in variants with different sum insured.
What is Covered:
- Hospitalisation and diagnostic services.
- Ambulance charges.
- OPD consultation benefits.
- Daily allowance during hospitalisation.
- Second opinion benefits.
What is Not Covered:
- Dental treatments.
- Pre-existing conditions initially.
- Cosmetic or plastic surgery.
- Supplements or tonics.
- Experimental procedures.
f) Care Enhance Plan
Overview:
A super top-up policy designed to complement your base health policy. Offers large sum insured at low premiums.
What is Covered:
- Expenses beyond the deductible limit.
- Room rent without cap.
- Diagnostic expenses.
- Specialist consultations.
- Daycare and post-care treatments.
What is Not Covered:
- Costs below the deductible amount.
- Cosmetic surgery.
- Obesity-related treatment.
- Overseas medical expenses.
- OPD services.
g) Care Freedom Plan
Overview:
For individuals with pre-existing conditions like diabetes, hypertension, or high BMI. No pre-policy tests for certain ages.
What is Covered:
- Diabetic and hypertensive condition coverage.
- Ambulance and in-patient care.
- Dialysis and cardiac support.
- Lifestyle management tools.
- Medical equipment and medicines.
What is Not Covered:
- Smoking-related conditions.
- Dental surgeries.
- Self-harm or substance abuse.
- Genetic disorders.
- Psychiatric treatments.
h) Care Critical Mediclaim Plan
Overview:
Covers treatment costs for over 30 critical illnesses, including organ failure, cancer, and neurological conditions.
What is Covered:
- Chemotherapy, radiotherapy.
- Heart surgeries and bypass.
- Kidney dialysis.
- Organ transplant.
- Lump sum payout on diagnosis.
What is Not Covered:
- HIV/AIDS.
- Alzheimer’s and Parkinson’s initially.
- Non-listed diseases.
- Treatment without diagnosis confirmation.
- Congenital anomalies.
i) Care Cancer Mediclaim Plan
Overview:
Comprehensive cancer insurance plan offering medical and financial protection for every stage of cancer.
What is Covered:
- Surgery, chemotherapy, and radiation.
- Second opinion and medical counselling.
- Hospitalisation and OPD.
- Rehabilitation support.
- Early-stage cancer coverage.
What is Not Covered:
- Non-cancer diseases.
- Genetic predisposition.
- Pregnancy-related cancers.
- Cosmetic damage from treatment.
- Non-prescribed medication.
j) Care Heart Mediclaim Plan
Overview:
Heart-specific policy covering surgeries, emergencies, and post-treatment care for cardiac patients.
What is Covered:
- Angioplasty and bypass.
- Hospitalisation for cardiac failure.
- Post-op medications.
- Dietician and rehabilitation.
- ECG, TMT, angiography.
What is Not Covered:
- Stroke or brain disorders.
- Non-cardiac surgeries.
- Congenital heart conditions.
- Alcohol-induced heart issues.
- OPD visits.
k) Care Assure Plan
Overview:
Offers fixed benefits during hospitalisation and major medical procedures. Suitable for those needing income support during illness.
What is Covered:
- Daily hospital cash.
- ICU cash benefit.
- Post-hospitalisation support.
- Lump-sum payment for listed events.
- Emergency fund access.
What is Not Covered:
- Hospitalisation under 24 hours.
- Pre-existing conditions.
- Dental and cosmetic services.
- Non-allopathic care.
- Substance abuse-related issues.
l) Care Secure Personal Accident Plan
Overview:
Covers accidental injuries, disability, or death. Critical for breadwinners and working professionals.
What is Covered:
- Accidental death benefit.
- Permanent disability coverage.
- Temporary loss of income benefit.
- Ambulance and emergency care.
- Educational support for children.
What is Not Covered:
- Accidents under the influence of drugs.
- Participation in risky sports.
- Intentional injuries.
- War-related injuries.
- Illegal activities.
Claims Process
Care Health Insurance offers one of the fastest claim processes in India—whether cashless or reimbursement.
Steps:
- Inform the insurer within 24 hours (emergency) or 48 hours (planned).
- Submit documents via portal, app, or hospital desk.
- For cashless—hospital initiates pre-authorisation.
- For reimbursement—submit discharge summary and bills.
- Claim processed in 7–10 days.
Renewal Process
Renewal with Care Health is quick and digital with reminders through SMS, email, and app.
Steps:
- Visit the official website or app.
- Enter policy number or mobile number.
- Verify and review plan details.
- Choose any add-ons if needed.
- Pay premium and download renewed policy instantly.
Distribution Network
Care Health Insurance has a hybrid model of digital and offline presence.
Community Engagement & Financial Literacy:
- Insurance awareness camps
- Women and senior wellness drives
- School-level financial literacy
Green Insurance and ESG Strategy:
- E-policy delivery
- Paperless KYC
- Eco-friendly claims processing
Health Campaigns:
- Free health check-up camps
- Nutrition webinars
- Fitness tracking via app integrations
Awards and Recognitions
- Best Health Insurance Provider – Business Today Awards
- Claims Innovation Leader – FICCI Healthcare Awards
- Customer Experience Excellence Award
- ISO 9001:2015 certified
- Recognised by IRDAI for quick grievance redressal
Final Thoughts:
Care Health Insurance is much more than a policy provider—it is a health partner committed to protecting India’s population across income levels, regions, and health conditions. Whether you are young or old, healthy or dealing with pre-existing issues, there’s a plan designed just for you.
With affordable premiums, digital ease, and exceptional service, Care Health Insurance stands out as one of India’s most customer-focused insurers. If you are planning to invest in your health, this company deserves your attention—and your trust.
