Care Health Insurance Benefits

Care Health Insurance

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Highlights

Network Hospitals7,400+
Policies Sold6,91,739
Incurred Claim Ratio55%
Lifelong RenewabilityLifelong
Claim Settlement Ratio92.83%
In-House Claim Settlement100%
COVID-19 CoverYes

Benefits of Care Health Insurance

Care Health Insurance is a leading standalone health insurance company in India, which provides several health insurance products to customers. It is a joint venture of Care Enterprises Limited, Union Bank of India, and Corporation Bank. This insurance company brings you unique benefits that set it apart, and an obvious choice when it comes to choosing the best health insurance plans for families, individuals, senior citizens, employees, and corporates, etc. 

Care has managed to earn a good reputation in the health insurance industry in India. Its policies provide coverage against medical expenses, including pre and post-hospitalization, in-patient treatment, day-care treatment, ambulance charges, and domiciliary treatment, i.e. medical expenses incurred in case of treatment taken at his/her home, which would otherwise require hospitalization.

Care has many other health insurance plans to offer, such as fixed benefit critical illness plans, indemnity oriented mediclaim plans, personal accident plans, etc. 

  • Additional Benefit of Free Health Check up

    Free pre-policy health check-up is available for policyholders. Care Health Insurance company offers you this benefit under its many health insurance products.
  • Additional Protection over Employer Coverage

    If you have got a cover from your employer, still there are certain diseases or ailments which are not covered, Religare gives you the opportunity to upgrade your basic insurance plan and avail the benefits of additional protection.
  • Cashless Benefit

    Financial stress is one of the major challenges when it comes to paying for emergency medical expenses. With the Religare health insurance plan, you can get cashless treatment at more than 7,400+ network hospitals across the country.
  • Claim Settement Ratio

    The claim settlement ratio (CSR) is the ratio of settled claims to the total claims raised in a given accounting period. If CSR indicates 90%, it means the insurer has settled 90 claims out of 100 claims filed. Religare Health Insurance has made a track record of 93%* CSR. This is quite ensuring for the best protection for potential customers against a medical claim. *The claim settlement ratio change from time to time.
  • Coverage against Medical Expenses

    A health insurance policy proves to be the most suitable option when it comes to making a claim under the plan. Religare health policies provide coverage against medical expenses, including pre and post hospitalisation, in-patient treatment, day-care treatment, ambulance charges, and domiciliary treatment, i.e. medical expenses incurred in case of treatment taken at his/her home, which would otherwise have required hospitalisation.
  • Incurred Claim Ratio

    Don’t confuse yourself between incurred claims ratio (ICR) to claim settlement ratio (CSR). ICR is an exact rate of claim settlement incurred to the net premium collected for a given accounting period. For example, if 90% is the ICR of an insurer, it means the insurance company has to spend Rs. 90 for every Rs. 100 earned as premium. Thus, Rs. 10 is the profit of the insurer. If ICR is over 100%, it means the insurer has suffered a loss. The incurred claims ratio of Religare for F.Y. 2018 - 19 is 55%*. It indicates that the company is in good condition to settle any medical claim. *The incurred claims ratio change from time to time.
  • Tax Benefit

    Saving tax is another benefit of buying a health insurance policy from Care. You can avail tax benefits under Section 80D of Income Tax.

Care Health Insurance Plan List

Name of PlanSum Insured
CareMin: 91 Days; Max: No Limit4 Lakh Get Quotes Now
JoyMin: 1 Day; Max: 65 Years3 Lakh Get Quotes Now
Care FreedomMin: 90 Days; Max: No Limit3 Lakh Get Quotes Now
Critical MediclaimMin: 5 Years; Max 50 Years10 Lakh Get Quotes Now
Care SeniorMin: 61 Years; Max: No Limit3 Lakh Get Quotes Now
AssureMin: 18 Years; Max: 65 Years5 Lakh Get Quotes Now
Care HeartMin: 18 Years; Max: No Limit2 Lakh Get Quotes Now
Super MediclaimMin: 91 Days; Max: No Limit1 Lakh Get Quotes Now
Arogya Sanjeevani PolicyMin: 3 Months; Max: 65 Years 1 Lakh - 5 Lakh Get Quotes Now
Corona Kavach PolicyMin: 1 Day; Max: 65 Years Get Quotes Now

Care Health Insurance Top Up List

Name of PlanSum Insured
EnhanceMin: 1 Day; Max: No Limit1 Lakh Get Quotes Now

Care Health Insurance User Reviews

What users are saying
  • High Claim Settlement Ratio

    I purchased Religare Arogya Sanjeevani Policy from InsuranceDekho last month because the insurer has a good Cl...

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    R
    Arogya Sanjeevani Policy
    By Rajat Kukreja
    On: Jun 17, 2020
  • Good policy for family

    Religare Arogya Sanjeevani Policy is a good health insurance policy for families that covers us against many h...

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    F
    Arogya Sanjeevani Policy
    By Farah Jindal
    On: Jun 17, 2020
  • Good services by InsuranceDekh...

    I had heard about good services of InsuranceDekho but experienced it myself too when I recently purchased Reli...

    Read More
    V
    Arogya Sanjeevani Policy
    By Vinny Yadav
    On: Jun 17, 2020
  • Easy to understand policy

    Religare Arogya Sanjeevani Policy is a great policy that not only offers wide coverage to me and my family but...

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    S
    Arogya Sanjeevani Policy
    By Shreya Aggarwal
    On: Jun 14, 2020
  • Nice features under the plan

    I recently bought Religare Arogya Sanjeevani Policy from InsuranceDekho because it offers cover against basic ...

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    G
    Arogya Sanjeevani Policy
    By Gauri Kapoor
    On: Jun 13, 2020
  • A great plan for me!

    This is a unique plan for patients suffering from heart related diseases. I have used this plan for more than ...

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    S
    Care Heart
    By Shiv Raman Prasad
    On: Mar 02, 2020
  • It deserves applause

    The care heart plan has the biggest heart. It gave me every possible help from benefits to claim settlement pr...

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    M
    Care Heart
    By Mayank Chandra
    On: Mar 02, 2020
  • A plan for lifetime.

    The Super Mediclaim is a very fine plan in my view. I am using it for more than a year. It has been a great de...

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    R
    Super Mediclaim
    By Roshan Tiwari
    On: Mar 02, 2020
  • Suitable plan for Me

    I want to take a moment to appreciate this plan. This has really surprised me with its features and services. ...

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    M
    Super Mediclaim
    By Minakshi Chopra
    On: Mar 02, 2020
  • A true friend..

    This Enhance health plan gave me a reason to stay calm during a medical emergency.. this top-up plan provided ...

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    H
    Enhance
    By Harsh Tyagi
    On: Mar 02, 2020

Care Health Insurance Contact Details

Reach us for help anytime

Care Health Insurance FAQs

  • How to buy and apply for Care Health Insurance?

    You can buy and apply for any Care Health Insurance online from the official website of Care Health Insurance at careinsurance.com or through online broker’s website like Insurancedekho.com.

  • Why should I buy a Care Health Insurance?

    Care Health Insurance provides a comprehensive health insurance plan along with personal accident cover and critical illness cover. This ideal combination meets all of your family member’s health requirements making it a suitable option.

  • What is the toll-free customer care number of Care Health Insurance?

    The toll-free number of Care Health Insurance is 1800-102-4488.

  • What is the address of Care Health Insurance?

    The correspondence address of Care Health Insurance, Vipul Tech Square, Tower C, 3rd Floor, Sector-43, Golf Course Road, Gurgaon-122009

  • What is the Claim Settlement Ratio of Care Health Insurance?

    Care Health Insurance had a Claim Settlement Ratio of 93%.

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