Care Health Insurance

Care Health Insurance Limited, previously known as Religare Health Insurance Company Limited [1] is an Indian health insurance company headquartered in Gurugram, Haryana. Care Health Insurance was founded in the year 2012 and has over 10,000 employees across the nation [2]. The company offers a wide range of products in the retail segment - base policy, dedicated policies for heart and other critical illnesses, top-up coverage, personal accident, maternity cover, group personal accident insurance for corporates, micro Insurance products for the rural market, and a comprehensive set of wellness services. [3]

About Care Health Insurance

With over 38 lakh insurance claims [4] settled since its inception, Care Health Insurance Company is one of India’s noted health insurance providers. The company provides comprehensive health insurance benefits including in-patient hospitalisation, pre- and post-hospitalisation medical expenses, cover for AYUSH treatment, daily allowance during hospitalisation, etc. Due to the company’s feature of no extra premium payment for disease coverage, it is one of the preferred insurers in India today. Care Health also provides coverage for asthma, hypertension, high cholesterol, and diabetes after a waiting period of 30 days in some of its plans.

Check the table below to see the key metrics for Care Health Insurance Limited:

*The percentage of claims settled by an insurance company relative to the total number of claims received is known as the Claim Settlement Ratio (CSR). Any company with a CSR of 85% or above is considered good to buy insurance from.

*The solvency ratio[7] is a financial indicator that measures a company's ability to meet its long-term debt obligations and signifies its financial stability. Any company having a solvency ratio >1.5 is considered to be good to buy insurance from.

*Life covered here refers to the number of people insured and the data is sourced from Care Health’s official website[4]

There are two ways you can purchase Care Health Insurance Policy either online for ease of purchase or offline where an agent can assist you personally at the comfort of your home

Purchase Care Health Insurance Policy via InsuranceDekho

There are two ways you can purchase Care Health Insurance Policy from InsuranceDekho:

Steps for Purchasing Care Health Insurance Policy with InsuranceDekho Online:

Step 1: Enter Your Details with InsuranceDekho

Visit InsuranceDekho’s health homepage or fill the form provided on the top right of this page with your personal details (name, phone number, etc)

Step 2: Compare Health Plans

Select the best-fit insurance for you and your family tailored basis your details entered in the form

Step 3: Complete Online Payment

Fill out essential information in Proposal Form 1, answer two simple health-related questions in Proposal Form 2, submit your KYC, and make the payment.

Step 4: Post Payment Contact

Post payment, an InsuranceDekho relationship manager will reach out to you for policy issuance assistance based on the details filled.

Purchase Care Health Insurance Policy with InsuranceDekho with complete assistance

Step 1: Enter your details on InsuranceDekho’s website

You can visit www.insurancedekho.com and enter your basic details such as mobile number, age, pin-code

Step 2: Compare Health Plans

Based on your response, the best eligible plans as per your customer profile will be recommended and shown to you on the plan page

Step 3: Schedule a callback

You can schedule a call back by updating the enquiry on the plan page on our website

Step 4: Connect with an InsuranceDekho Advisor

After you have clicked on a callback, an InsuranceDekho advisor will call you at your preferred time and then assist you over call via IRDAI-certified AV advisor. If required we will send our expert to your home for free further assistance in filling the form or in case you have any further queries.

Purchase Care Health Insurance Policy From Insurer's Website

Here’s how you can purchase health insurance via Care Health Insurance’s website:

Step 1: Visit the Care Health Insurance Website

Open your web browser and go to the official website of Care Health Insurance

Step 2: Fill in the Required Details

On the website at the centre of the main page, fill in your details to view suggested plans

Step 3: Choose a Plan

Review the list of plans provided and select the insurance plan that best suits your requirements

Step 4: Select Add-ons

Select the add-ons required

Step 5: Make Premium Payment Online

After choosing a plan, proceed to the buy now section and complete the premium payment.

In both cases, whether you purchase a health insurance plan via InsuranceDekho or Care Health Insurance, you will get a notification on your registered email ID and phone number

To avail the coverage under “Cashless Anywhere”[8] with Care Health Insurance inform their customer support team about your hospitalisation within 24 hours in case of an emergency and before 48 hours in case of any planned hospitalisation.

However, the General Insurance Council has emphasised that the claim must adhere to the terms and conditions outlined in the insurer’s health policy, and the cashless facility will be available by the insurer's operational protocols.

Make sure your hospital is not in the blacklisted or excluded hospitals list of Care Health Insurance. You can also look at the list of excluded or blacklisted hospitals by Care Health Insurance on their Excluded Provider Locator page.[9]

Awards and Achievements of Care Health Insurance

1. Excellence in Patient Service Delivery - FICCI Healthcare Excellence Awards 2023
2. Best Health Insurance Company of the Year - India Insurance Summit & Awards 2023
3. Smart Insurer of the Year - The Economic Times Insurance Summit & Awards 2022
4. Sales Champion of the Year - The Economic Times Insurance Summit & Awards 2022
5. Best Health Insurance Product - Insurance Alertss Awards 2021
6. Best Health Insurance Agents - Insurance Alertss Awards 2021
7. Best Health Insurance Product Award - FICCI Healthcare Excellence Awards 2019

To connect with Care Health’s customer service and support team you can

• Call on 1800-200-4488 or WhatsApp on +91-8860402452
• Download the Care Health Insurance customer mobile app from the App Store or Google Play
• Connect via chatbot on their website
• Connect with the team via their self-help portal [10]

To connect with an InsuranceDekho relationship manager you can call on +91-7551196989 to get your queries solved faster

Complaints & Grievance Redressal

To get your queries and concerns answered on priority by Care Health Insurance [11]

• Email them at customerfirst@careinsurance.com
• Message them on WhatsApp at +91-8860402452
• Write to their support team at Customer Service, Care Health Insurance Limited, Vipul Tech Square, Tower C, 3rd Floor, Golf Course Road, Sector – 43, Gurugram - 122009

To get your complaints and grievances addressed promptly, mail InsuranceDekho at grievance@insurancedekho.com or visit here for more details: www.insurancedekho.com/grievance-redressal

1. https://www.careinsurance.com/blog/health-insurance-articles/the-remarkable-10-years-journey-of-care-health-insurance
2. https://www.linkedin.com/company/care-health-insurance/
3. https://www.careinsurance.com/about-care-health-insurance.html
4. https://www.careinsurance.com/
5. https://www.careinsurance.com/health-insurance/no-claim-bonus
6. https://www.careinsurance.com/product/care-supreme
7. https://irdai.gov.in/web/guest/document-detail?documentId=4273788
8. https://www.insurancedekho.com/health-insurance/news/general-insurance-council-india-launches-cashless-everywhere-initiative-10251
9. https://www.careinsurance.com/non-preferred-hospital-list.html?state=18&city=182&button=Submit
10. https://www.careinsurance.com/contact-us.html
11. https://www.careinsurance.com/customer-grievance-redressal.html
12. https://www.insurancedekho.com/grievance-redressal