Care Health Insurance

Care Health Insurance (formerly known as Religare Health Insurance) is a standalone health insurance company that renders insurance services to individuals, families and corporates. The organisation is a joint venture of Reliance Enterprises Limited, Corporation Bank, and Union Bank of India. The company has invested its focus on the application of advanced technology to deliver innovative products, value for money services, and incredible customer support.

When it comes to offerings, Care Health Insurance tends to deliver a lot of products in the retail segment such as Critical Illness Cover, Personal Accident Cover, Top-up Cover, Maternity Cover, in addition to Group Health Cover and Group Personal Accident Cover for businesses.

For its unparalleled services the company has been awarded the 'Editor's Choice Award for Best Product Innovation' at Finnoviti and the 'Best Medical Insurance Product Award' at The FICCI Healthcare Awards. Care has also been conferred with 'Best Health Insurance Company' at the ABP News-BFSI Awards & 'Best Claims Service Leader of the Year – Insurance India Summit & Awards.

There are a number of factors that affect the amount of your health insurance policy. The awareness of such factors can help you choose a policy as per your budget and requirements. Here are the factors that can impact your Care Health Insurance Premium Calculation:

• Age - The higher your age will be, the higher the premium amount will be. Hence, it is highly recommended to buy a health insurance policy as early as possible.
• Pre-Existing Medical Conditions - Policyholders with pre-existing illnesses may get their plans rejected or find them at high premium. If the insurer does not cover the pre-existing ailment in its plan, then you may have to bear their expenses on your own.
• Unhealthy Lifestyle/Habits - Insurance providers offer insurance covers at quite higher premium costs or even refuse to provide any coverage to people with unhealthy lifestyle/habits such as smoking, chewing tobacco, etc., as they are more prone to illnesses.
• Sum Insured - It is the maximum amount up to which you can request a claim from your insurer during a medical crisis. The higher the sum insured you will opt for, the higher the premium amount you will have to pay. Hence, choose the sum insured amount accordingly.
• Nature of Job - If your profession makes you work in an environment where you get exposed to hazardous substances, chemicals, radiations or follow occupations with higher chances of injuries such as constructions, then you will have to pay higher premiums as you are prone to diseases/injuries.

Care has several health insurance plans to offer its customers. However, here is a list of its top 5 health insurance plans:

1. Care Health Care Insurance Plan - It is a complete health insurance policy designed to offer coverage for medical costs incurred due to any illness or injury suffered by policyholders.
2. Care Freedom Health Insurance Plan - It is a policy that aims to deliver unique benefits to people suffering from diabetes, high BMI, or high BP and covers treatment costs of such diseases.
3. Care Heart Health Insurance Plan - This insurance plan covers the pre-existing heart illnesses. It is meant to cover the cost incurred due to any medical emergency which may occur with cardiac patients.
4. Care Senior Health Insurance Plan - It is an insurance policy for senior citizens, i.e., people above 61 years of age. This plan offers them coverage for their medical emergencies post-retirement.
5. Care Joy Health Insurance Plan - This is an insurance plan that offers coverage for maternity related expenses. Apart from pregnancy, it is also meant to compensate for the costs incurred on medical requirements of newborn babies.

Care Health Insurance holds a lot of feathers in its cap that makes it a great insurer to opt for. Here are some reasons which make it an ideal choice for health insurance plans:

• High Claim Settlement Ratio - Claim Settlement Ratio is the percentage of claims successfully settled by an insurance company out of the total claims received by it in a financial year. Care has achieved an excellent claim settlement ratio of 92.83% in the financial year 2018-2019.
• Active Customer Support - The customers of Care can reach to its customer care team any time to get their health insurance queries resolved. Care health Insurance offers its policyholders 24x7 claim support service handled by an experienced and qualified team of professionals.
• Quick Cashless Claim Approval - The claim settlement team of Care Health Insurance is incredibly well in settling health insurance claims. They claim to settle the maximum of their cashless claims in just 2 hours, offering great experience to policyholders.
• Wide Network of Hospitals - The insurer has partnered with 8,250+ hospitals where its policyholders can get the cashless medical treatment. With such a wide network you can easily find a network hospital nearby your location.

Only the hospitals which are a part of an insurance company’s network offer cashless claim facilities. Thus, the wider the network of cashless hospitals, the better it is as it is easier for the policyholder to seek medical treatment easily and in a hassle-free manner. Care Health Insurance has more than 8,250 hospitals in its network where it offers cashless settlement of claims.

The Claim Settlement Ratio of Care Health Insurance has been consistently high during the past years. With impressive claim settlement ratios, Care Health Insurance has managed to win the trust of its current and potential policyholders over the years. Following are the Claim Settlement Ratios of Care over the last 2 financial years:

(Source: IBAI’s General Insurance Claim Insights Handbook For Policyholders - 3rd & 4th Edition)

Care Health Insurance (Formerly known as Religare Health Insurance) Claim Process

A Health Insurance claim refers to the process wherein a policyholder requests the insurer to compensate for the expenses incurred by them during a medical emergency, illness or accident. A health insurance claim can be settled in two ways - cashless claim and reimbursement claim.

How To Make A Care Health Insurance (Formerly known as Religare Health Insurance) Cashless Claim?

When a policyholder gets medical treatment at a hospital which is a part of Care Health Insurance’s network, then the claim is settled in a cashless manner. That is under a cashless claim, the policyholder is not required to pay to the hospital as Care Health Insurance pays directly to the hospital subject to the sum insured.
You can raise a cashless claim with Care Health Insurance by following the below-mentioned steps:

Step 1: Intimate the Insurer
Call and inform Care Health Insurance at 1800-102-4488 within 24 hours of hospitalisation in case of emergency admission. If the hospitalisation is planned, inform the insurer 48 hours before hospitalisation at the same number or by writing to them at customerfirst@Carehealthinsurance.com

Step 2: Get Pre-Authorisation Of Claim
Get a pre-authorisation form from the hospital’s insurance department or TPA desk. Duly fill and sign it and submit it to the insurance or TPA desk of the hospital so they can send it to the Care Health Insurance.

Step 3: Verification of Documents
The in-house medical team of Care Health Insurance will review the case and the documents submitted.

Step 4: Claim Approval
If the authorising team requires any other detail or document, they will intimate the hospital to provide the same. In case the request is disapproved, the insurer will inform you and the hospital about the same with reasons.

Step 5: Settlement of Claim
If the pre-authorisation request is approved, the hospital and you will be informed about the same and the expenses will be paid off.

How To Make A Care Health Reimbursement Claim?

When a policyholder gets medical treatment in a hospital that is not a part of Care Health Insurance network hospitals, then the claim settlement is of reimbursement type. Under this process, the policyholder is required to pay for all the medical expenses they go through. The policyholder can later raise a request for reimbursement of the incurred expenses from Care Health Insurance subject to the sum insured.

Follow the below steps to raise a Care Health Insurance Reimbursement Claim:

Step 1: Intimate the Insurer
Intimate Care Health Insurance at 1800-102-4488 within 24 hours of hospitalisation, in the case of emergency. Whereas, in the case of planned admission, inform the insurance provider 48 hours prior to hospitalisation.

Step 2: Provide Information
Provide the information of hospitalisation and other medical details to insurer such as:

• Name of the policyholder
• Customer ID
• Details of the hospital
• Treatment and diagnosis details
• Date of hospitalisation
• Amount of claim

Step 3: Submit Required Documents
Get the insurance claim form from the website of Care Health Insurance or from the hospital. Duly fill and sign the form to send it to the insurer with the required document that may include:

Documents Required For Care Health Claim Reimbursement

• Valid ID proof

• Doctor’s letter advising admission

• Doctor’s prescription for medical tests, medicines, consultations etc.

• Original receipts, bills, and discharge forms signed by the doctor

• Original bills from pharmacies

• Original diagnostic test reports, radiology reports and payment receipts

• First Information Report (FIR), in a police case

• Post Mortem Report, if applicable, etc.

Step 4: Verification of Documents
In-house medical team of Care Health Insurance will review the form and documents. In case they find any details they may ask you to submit them too. If your claim gets rejected, you will be conveyed the same with the valid reasons.

Step 5: Settlement of Claim
If the insurance provider approves your claim request, you will be informed and will be provided your claim amount.

Following are the benefits which you can enjoy with a Care Health Insurance Policy:

• Auto Recharge Feature - During any health emergency, a financial crisis could be a nightmare. Hence, auto recharge of policy sum insured features offered with Care Health Insurance plans can get you an immediate recharge after your sum insured gets exhausted.
• Modern Treatments - Care Health Insurance plans offer advanced level medical treatments while taking care of all your financial worries. The insurer offers coverage for modern treatments like Robotics Surgery and HIV/AIDS under Care Insurance.
• Health Earning - With this benefit, the policyholders can gain up to 25% of the return of their premium amount by inviting their colleagues, friends and family members to get insured under Care Health Insurance.
• Easy Portability Option - The Care Health Insurance plans offer an easy option to customers who want to switch their existing insurance plans. It takes a small process to go through which includes premium check, filling existing insurance details and payment completion.
• Lifetime Renewability - The policyholders can get themselves insured under Care Health Insurance for lifelong with this lifetime renewability feature. To avail this offering, you just have to renew your health insurance plan at the end of its policy term, which may vary as per your selection.

You can enjoy the following inclusions under health insurance plans offered by Care Health Insurance :

• In-patient Hospitalisation - It covers the medical costs incurred due to hospitalisation of insured members for at least 24 hours. It offers the coverage for room rent, nursing expenses, doctor’s fees, ICU charges and so on.
• Daycare Procedures - It compensates the medical costs that may arise if you undergo any day care procedure that does not need your stay in the hospital for even. Care provides 540+ day care treatments.
• Domiciliary Hospitalisation - It applies in a situation when an insured person could not get admitted to hospital and required to be treated at home only. Then this benefit will cover the cost of treatment at home for more than 3 successive days.
• Emergency Ambulance - It gives the coverage for the expenses incurred on the emergency ambulance service availed during hospitalisation.

What Are The Exclusions of Care Health Insurance (Formerly known as Religare Health Insurance) Policy?

Health insurance plans offered by Care Health Insurance come with the following exclusions:

• War Situations - The Care Health Insurance will not cover any injury or disease suffered by the insured person caused due to war, civil war, riots, or any invasion.
• Self-inflicted Injury - No cover is offered for expenses attributable to self-inflicted injuries incurred in incidents such as suicide attempts or suicide.
• Cosmetic Surgery - No compensation will be provided to insured persons for undergoing any aesthetic procedure, obesity treatment or plastic/cosmetic surgery.
• Venereal Diseases - Care Health Insurance is not liable to pay any coverage to policyholders for the treatment of sexually transmitted or venereal diseases.
• Risky Events - Treatment of injuries caused due to the participation in any adventurous or risky sport or event will not be covered by the Care Health Insurance.

The above inclusions and exclusions may vary from plan to plan offered by Care Health Insurance.

The following are the important terms of health insurance plans offered by Care Health Insurance. However, these terms may vary from plan to plan offered by the insurer.

You can buy a Care Health Insurance Policy through online and offline modes at InsuranceDekho.

Buy Care Health Insurance (Formerly known as Religare Health Insurance) Online at InsuranceDekho

You can follow the below-mentioned step to buy a Care Health Insurance plan online at InsuranceDekho:

Step 1: Visit www.insurancedekho.com and select the health tab.

Step 2: Choose your Gender and enter your Name and Mobile Number. On entering these details, you will receive an OTP, please enter that.

Step 3: Select the time when you want to purchase the policy. Click on the ‘View Instant Quotes’ button to proceed.

Step 4: Choose family members you want to add in your plan along with yourself.

Step 5: Select the age of the chosen family members and click ‘Continue’.

Step 6: Fill in your Email ID and City and click on the ‘Submit and View Quotes’ button. Several policy quotes will be displayed as per your selections. Select the plan that suits your requirements in the best manner.

Step 7: Select the policy period of the chosen health insurance policy, enter the required details and make the payment.

Buy Care Health Insurance (Formerly known as Religare Health Insurance) Offline at InsuranceDekho

To buy a Care Health Insurance plan offline at InsuranceDekho, you can call us at 7551-196-989 any day of the week (Monday-Sunday) between 9.30 AM to 6.30 PM.

For any assistance, please feel free to write to us at customersupport@insurancedekho.com.

To continue to stay covered against the soaring costs of medical treatments, it is important to renew your health insurance policy with Care Health Insurance. You can also enhance your plan during renewal to combat the medical expenses in future. This will help you keep availing the benefits offered by the insurer and stay insured in times of medical emergencies.

Here are the simple steps to renew your health insurance cover with Care Health Insurance :

Step 1: Visit the official website of Care Health Insurance i.e., www.Carehealthinsurance.com

Step 2: Go to the ‘Renew’ section available on the website.

Step 3: Enter your existing policy details such as Policy Number, Date of Birth, and Contact Number and click on the ‘Let’s Renew’ button.

Step 4: Review the insurance policy details and premium amount for renewal.

Step 5: Pay for the amount online using any of the multiple payment options available.