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Care Health Care Insurance Plan

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Care Health Insurance
Claim Settlement Ratio95.22%
COVID-19 CoverYes
In-House Claim Settlement100%
Incurred Claim Ratio55%
Network Hospitals8,250+
Policies Sold6,91,739

About Care Care Health Insurance

Care Health Insurance Policy is an indemnity-based medical insurance policy that reimburses medical expenses incurred during the policy term. The policy comes with a variety of sum insured options starting from as low as Rs. 5 Lakh going up to Rs. 6 Crore that you can choose as per your own requirement. You can buy this policy on an individual or family floater basis to avail of comprehensive coverage for treatments, critical illnesses, daycare procedures, annual health check-ups, etc. The minimum entry age to buy this policy is 91 days, whereas there is no maximum age to be enrolled under it. If your age is 61 years or more, then you will be provided with an option to choose for co-payment of 20% for every admissible claim, and the rest will be paid by the health insurance company. The policy is renewable for a lifetime.

If covered under the policy, you can avail several coverage benefits some of which include in-patient hospitalisation expenses, pre-hospitalisation expenses, post-hospitalisation expenses, daycare expenses, ambulance cover, domiciliary hospitalisation expenses, maternity cover, alternative treatment, second opinion, annual health check-up, organ donor cover, etc. Apart from coverage benefits, the policy also offers you several other benefits such as grace period, free look period, No Claim Bonus, automatic reinstatement of sum insured, and tax benefits on the premium paid, under Section 80D of the Income Tax Act, 1961. All in all, buying this policy will be a wise choice for anyone looking for comprehensive coverage for themselves as well as their family members.

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient hospitalisation expenses
  • Pre-hospitalisation and post-hospitalisation expenses for up to a certain number of days
  • Daycare expenses
  • Road ambulance expenses
  • Domiciliary expenses

What's Not Included

  • Refractive error correction
  • Expenses arising due to cosmetic surgery, plastic surgery, infertility, etc.
  • Hospitalisation for investigation or evaluation
  • Expenses due to war, terrorism, etc
  • Substance abuse or self-inflicted diseases

Care Plan Details

Features/PlanCare 3 (4 Lakh)Care 4 (5, 7, 10 Lakh)
Restoration Benefit
100% of SI
100% of SI
No Claim Bonus
50% of SI
Up to 50% of SI
Room Rent
1% of SI per day
Single private room
ICU Charges
2% of SI per day
No limit
Pre and Post Hospitalization
30 & 60 days
30 & 60 days
Day Care Procedure
Free Health Checkup
Yes, all members
Yes, all members
Organ Donor
Rs. 50000
Rs. 100000
Up to Rs. 15000
Up to Rs. 20000
OPD Benefit
Domiciliary Hospitalization
Up to 10% of SI
Upto 10% of SI
Ambulance Cover
Rs. 1500 per hospitalization
Rs. 2000 per hospitalization
Second Opinion
Available on critical illness
Available on critical illness
Worldwide Emergency Cover
20% of claim amount if entry age is more than 60 years
20% of claim amount if entry age is more than 60 yrs
Initial Waiting Period
30 days
30 days
Specific Illness Waiting Period
2 years
2 years
Waiting Period of PED
4 years
4 years
Additional Features
Unlimited recharge
Unlimited recharge
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1716 Care Cashless Network Hospitals in India

Choose Care Health Insurance (Religare) Critical Illness Plan

Care User Reviews

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What users are saying
  • All
  • InsuranceDekho's website is a platform that provides a variety of plans to choose from. I visited their websit...

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    By Rahul Tomar
    On: Mar 07, 2022
  • The buying process from the InsuranceDekho website is quick and easy. I recently bought the care health insura...

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    By Mitali Verma
    On: Mar 02, 2022
  • The buying process from the InsuranceDekho website is quick and easy. I recently bought the care health insura...

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    By Niharika Lal
    On: Feb 21, 2022
  • I was looking for a platform that could deliver me digital services for my health insurance-related needs. I c...

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    By Udayan Sarkar
    On: Feb 26, 2021
  • InsuranceDekho has a target to reach among a wide range of customers, so they have made sure that the policy p...

    Read More
    By Damini Thakur
    On: Feb 24, 2021

Add-ons to Enhance Benefits

  • Air Ambulance Cover

    This add-on covers you for air ambulance expenses incurred when you are recommended for a treatment that is not in your city of stay. You can buy this add-on at the time of policy purchase by paying a little extra premium.

  • Co-Payment Waiver

    This add-on cover waives off 20% co-payment under your health insurance policy, in case of a claim. It is not mandatory to buy this add-on but is recommended for enhanced coverage.

  • Daily Allowance

    Daily allowance add-on offers coverage for several non-medical expenses, for instance, food, transportation, etc.

  • Everyday Care

    This add-on covers you for 2% of the sum insured for doctor’s consultation as well as diagnostic tests. Kindly note that the benefit is above the in-built coverage offered under the policy.

  • Global Coverage

    This add-on cover allows you to avail cashless treatment at network hospitals that are located outside the geographical boundaries of India. This provides greater options to the insured to avail the required treatment.

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Care Expert Review

  • Expert Review

    Religare Care is one of the most popular and comprehensive health insurance plans offered by Religare Health Insurance Company Limited. The plan boasts of some of the most inclusive coverage benefits, both inbuilt as well as optional, which aim to provide the best in class health insurance coverage to individuals. So, if you are looking for a good, all-inclusive health insurance plan, Religare’s Care can be one which you can look into.

    The plan offers wide suitability in terms of entry age from 91 days with no maximum entry age limit. Thus, the plan is ideal for all ages. Also, the plan is available as both an individual and family floater option. The benefits of the plan start with the plan variants itself, which includes Care 3, Care 4, Care 5, Care 6 and Care 7. Each variant has a different sum insured level as well as benefit structure. Given the multiple variants, the plan becomes suitable for every individual as the coverage ranges from basic to extensive. Even the sum insured levels start at Rs. 4 Lakh and goes up to Rs. 6 Crore.

  • Major Attractions

    As far as the inbuilt coverage benefits are concerned, the plan offers almost every feature. You would find coverage for pre hospitalisation, post hospitalisation, inpatient hospitalisation, domiciliary treatments, organ donor expenses, AYUSH coverage as well as coverage for a medical second opinion, free health check-ups for all members, etc. Along with these, you would also find coverage for the following benefits -

    • The sum insured is restored if it gets exhausted in any policy year. This restoration is available up to the full basic sum insured.
    • For higher coverage variants where the sum insured levels are also high, there is coverage for worldwide hospitalisation, maternity-related expenses, vaccination, etc.
    • An international second opinion which gives you a second opinion from an international medical practitioner is also available under higher plan variants
    • Global coverage which covers hospitalisation anywhere across the world is available under Global Plus plan variant
    • No claim bonus increases the sum insured by 10% every year when there is no claim in the previous policy year
    • Optional coverage benefit for everyday care which covers outpatient expenses
    • Unlimited auto recharge which reinstates the sum insured unlimited times during a policy year is available as an add-on benefit
    • Air ambulance cover and personal accident cover is also offered as an optional coverage benefit
    • Along with no-claim bonus, there is an optional benefit of no claim bonus super which allows a 150% additional increase in the sum insured
  • What’s More?

    Besides the coverage benefits, other aspects of the plan are great too. These include the following - 

    • The plan is renewable lifelong
    • Family discount of 5% if 2 or 3 family members are covered and 10% if 4 to 6 members are covered under the plan
    • Premium discount of 7.5% for buying a 2-year policy and 10% discount for buying a 3-year cover
    • 10% discount if you are an existing customer having a policy of the company for the last 6 months or more
    • Tax benefit under section 80D of the Income Tax Act
  • Conclusion

    So, with so many benefits, the plan is a great buy and can be bought as per your coverage requirements. Needless to say from coverage to optional benefits, each feature of the plan meets the medical emergency of an individual.

    If you want to buy the plan it is conveniently available online on InsuranceDekho website wherein you can buy the plan easily and after a complete need analysis which helps you buy the most suitable cover for your needs.

Care Care Brochure

  • 3.67 MB
  • PDF Document

Claim Process at Care Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Care Health Insurance Plan

  • Why should I buy the Care plan?

    With the Care plan, you get the following USPs - (i) Annual Health Check-up for all members covered under the policy. (ii) Up to 150% No Claim Bonus with NCB Super. (iii) Unique Unlimited Automatic recharge. (iv) Care anywhere – Global Cover for 12 Critical Illnesses. (v) Care is available with different riders, hence the ability to fit your needs.

  • What are the features of Religare Health Care Plan?

    Key features of Religare Health Care Plan are listed below: (i) No upper-limit for entry age (ii) No premium increase due to any claim made (iii) Get annual health check-up for all insured members - regardless of claims history (iv) Feature to reduce PED wait period (v) Get automatic policy recharge if claim amount exhausts your coverage, at no extra cost (vi) Avail treatment anywhere in the world (vii) Daily allowance to meet incidental expenses (viii) Ease of cashless treatment and settlement of claims directly by the company (ix) Options of sum insured ranges from Rs. 2 Lakh - Rs. 60 Lakh

  • What is the minimum entry age for Religare’s Care Plan?

    The minimum age of entry for Religare’s Care Plan is 91 days.

  • What is the maximum entry age for Care Plan of Religare?

    There is no age bar for entry in Religare’s Care Plan. 

  • What is the waiting period for pre-existing illnesses in Religare’s Care Plan?

    Pre-existing illnesses are covered after 4 years of continuous coverage in Religare’s Care Plan.

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