Care Health Insurance FAQs

Care Health Insurance

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Highlights

7,400+ Network Hospitals

6,91,739 Policies Issued

55% Incurred Claim Ratio

Lifelong Renewability

92.83% Claim Settlement Ratio on FY19

100% In-House Claim Settlement

Coronavirus (COVID-19) Cover

Claim Settlement

  • What is the claim and reimbursement processing system under Care Health Insurance?

    To be able to make a claim, you have to complete the necessary form and submit the required documents as per the policy terms and conditions at the network hospital. The documents required for the same are-discharge summary, prescriptions, bills etc. Certainly, you may have to answer quite a few queries raised by the management team before the letter is issued. In case the claim is rejected, the reasons will be communicated by the team. In case of reimbursement: (i) You have to inform Care Health Insurance within 24 hours of the admission in case of emergencies. (ii) In the event of planned emergencies, the company must be notified 48 hours prior to the hospitalisation. (iii) The claim intimation can be done via Care’s toll-free number or by calling at InsuranceDekho at toll-free number 1800-120-5698. (iv) The same could also be e-mailed to customerfirst@careinsurance.com or at insurancedekho@customersupport.com.

  • What is the meaning of cashless hospitalisation?

    Cashless hospitalisation is when you do not have to pay even a penny for any treatment/test/consultancy/surgery at a hospital. Care Health Insurance provides cashless hospitalisation at more than 11,000+ network hospitals across India and abroad.

  • How many claims have been served by Care Health Insurance Plan till today?

    More than 4.7 Lakh claims have been settled by Care Health Insurance so far.

  • Within how many days the filing of a claim is required by Care Health Insurance?

    Care Health Insurance requires the policyholder to file a claim within 15 days of discharge from the hospital for reimbursement purposes.

  • How many claims can be made by the policyholders in a year from Care Health Insurance?

    The policyholders of Care Health Insurance can make as many claims as possible in a year, but the total amount of different claims can’t exceed the sum insured amount under the plan.

  • In how much time Care Health Insurance settles the claim?

    Care Health Insurance settles the claim within 7 working days from the receipt of the last necessary document, but it doesn’t take more than 30 days.

Critical Illness

  • Does Care Health Insurance offer any critical illness plan?

    Yes, Care Health Insurance offers a critical illness policy.

  • What is the name of the Care Health Insurance critical illness plan?

    The name of the critical illness plan of Care Health Insurance is Critical Mediclaim.

  • What are the significant benefits offered under the Care Health Insurance critical illness plan?

    There are several benefits covered under the critical illness plan of Care Health Insurance such as OPD Coverage, In-patient Hospitalisation, Organ Donor Cover, No Claim Bonus, Day Care Treatment, Road and Air Ambulance, and so on.

  • Who can buy Care Health Insurance critical illness plan?

    People between the age group of 5 years and 65 years can purchase the critical illness plans.

Family Floater

  • How much No-Claim Bonus (NCB) is awarded to floater policy members?

    The Sum Insured amount is increased by 10% every year to maximum 50% in 5 consecutive years as No Claim Bonus (NCB). 

  • What is the coverage limit of in-patient hospitalisation under family floater plan?

    The policyholder can avail the benefits of in-patient hospitalisation to the amount of Sum Insured.

  • How does family floater plan work under Care Health Insurance?

    A family floater plan is a plan which provides coverage under a floater basis. This means a single premium amount is paid to provide cover for the entire family.

  • Does Care Health Insurance provide health check-up under family floater plan?

    Yes, Care Health Insurance offers annual health check-up under its family floater policy to all its members. 

  • Is organ donor cover involve in the family floater plan of Care Health Insurance?

    Yes, Care Health Insurance provides the organ donor cover under the family floater plan.

  • Are day care treatments and procedures covered under the Care Health Insurance family floater plans?

    Yes, Care Health Insurance family floater plans provide the coverage for daycare treatments.

Feature

  • What is NCB (No Claim Bonus) under Care Health Insurance?

    When you do not make a claim within a single year of the policy, you are entitled a benefit in the form of a discount on your subsequent premium in the next year.

General Information

  • 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%.

  • How can I cancel my Care Health Insurance Policy?

    Apart from the 15-day free-look period, you can apply for Care Health Insurance Policy cancellation during any time of the policy tenure. The premium will be returned to you accordingly.

Heart

  • What is the eligibility for buying the Care Health Insurance Heart plan?

    The plan can be bought by anyone aged 18 years and above. There is no maximum entry age. Moreover, renewals are also allowed lifelong.

  • Can Care Health Insurance Care Heart policy be taken on a floater basis?

    Yes, the policy can be taken on a floater basis. However, floater plans would only cover two adults under one policy. For dependent children the policy would have to be taken on an individual sum insured basis.

  • What is the available term for the heart plan of Care Health Insurance?

    Care Health Insurance Care Heart plan can be taken for 1, 2 or 3 policy years.

Help to Buy

  • 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.

Individual

  • I am single. Which insurance policy should I opt for?

    Being single you should go for an individual type plan by Care Health Insurance, otherwise, you will need to pay more premium for family floater plan.

  • What is the maximum amount of sum insured offered by Care Health Insurance for individual plans?

    Care Health Insurance offer sum insured amount for individuals from Rs. 4 Lakh to Rs. 6 Crore.

  • Should I go for any pre-medical health check-up to buy an individual health insurance plan by Care Health Insurance?

    You might need to go for a pre-medical screening before buying an insurance plan if you are 45+ years or the sum insured amount of your plan is above Rs. 15 Lakh.

  • Is free look period feature available in Care Health Insurance individual health plans?

    Yes, Care Health Insurance offers a free look period with every individual health plan to review the policy. If you are not satisfied with the policy, you can generate a cancellation request for your individual insurance policy during this period. 

  • Will purchasing an individual health plan by Care Health Insurance bring any tax benefit for me?

    Yes, you can get tax benefits on the premium amount of every individual health insurance policy by Care Health Insurance under the Income Tax Act 1961.

Kids

  • Does Care Health Insurance provide any specific plan for kids?

    Care Health Insurance provides a Care plan that covers the kids with their parents.

  • What is the minimum entry age for kids offered by Care Health Insurance?

    Care Health Insurance provides the coverage for kids from the age of 91 days.

  • Are any daycare procedures offered for kids by Care Health Insurance?

    Yes, more than 540-day care procedure coverage are offered by Care Health Insurance for kids.

  • Is there any co-payment option applicable to the insurance plan for kids by Care Health Insurance?

    No, the Care Health Insurance plan covering the kids applies no co-payment option on them. The co-payment option exists only for people with more than 61 years of age.

Maternity

  • What is the waiting period for availing the maternity benefits?

    The waiting period to avail the maternity benefits ranges from 9 months to 24 months.

  • Is coverage for vaccinations offered under maternity benefits?

    No, coverage for vaccinations is not available under maternity plans.

  • Are non-allopathic treatments covered under Care Health Insurance maternity plan?

    No, alternative or non-allopathic treatments are not covered. 

  • Is newborn baby also covered under the plans?

     Yes, Care Health Insurance offers coverage for newborn baby up to Rs. 30,000 for Rs. 3 Lakh Sum Insured and up to Rs. 50,000 for Rs. 5 Lakh Sum Insured.

  • What type of room is covered under the maternity plan by Care Health Insurance?

    Single private room with AC is provided under the maternity plan coverage.

Parents

  • What is the maximum entry age for parents offered by Care Health Insurance?

    The maximum entry age for parents differs from plan to plan. But, Care Health Insurance does offer plans with no age bar.

  • Is there any bonus offered by the Care Health Insurance for parents?

    Yes, for claiming no bonus, Care Health Insurance increases the Sum Insured amount of parents by 10%, up to a maximum of 50% in consecutive 5 years.

  • Does Care Health Insurance offer a lifetime renewal option for the parents?

    Yes, Care Health Insurance gives a lifetime renewability feature under the plans covering your parents to make them covered for lifelong.

     

  • Will my parents get a domiciliary hospitalisation option under Care Health Insurance?

    Yes, Care Health Insurance offers the domiciliary hospitalisation feature for your parents.

Portability

  • Does Care Health Insurance provide the portability option?

    Yes, Care Health Insurance provides the portability option.

  • What are the documents required for portability in Care Health Insurance?

    Here are the documents needed for portability in Care Health Insurance:

    • Plan’s proposal form
    • Portability form
    • Copy of expiring health insurance policy
    • Copy of renewal notice

  • Is there any age criterion in Care Health Insurance to be eligible for portability?

    The entry age depends on the terms and conditions of Care Health Insurance.

  • When can I apply for the portability in Care Health Insurance?

    You can avail the option of portability at the time of policy renewal.   

Premium

  • How do I pay my policy premiums?

    You can pay the premium of Care Health Insurance plan in cash or by using online or digital payment gateways.

  • Will I get a payment acknowledgment from Care Health Insurance after paying the premium?

    Yes, you will get the payment acknowledgment from Care Health Insurance after paying the premium.

  • Can I get a duplicate copy of my premium receipt from Care Health Insurance?

    Yes, Care Health Insurance provides the duplicate copy of the premium receipt.

  • What are the benefits of premium receipts provided by Care Health Insurance?

    The ‘premium receipt' depicts the premium amount that is paid by you for the policy. You can avail tax benefits by showing it as the proof of investment to the taxation authority.

Senior Citizen

  • Is domiciliary hospitalisation benefit offered by the Care Health Insurance under its Senior Citizen Plans?

    Yes, domiciliary hospitalisation is covered post 3 days up to 10% of the Sum Insured.

  • What is the limit of ambulance cover under the Senior Citizen Plan by Care Health Insurance?

    Ambulance coverage is offered up to Rs. 1,000 per hospitalisation.

  • What is the policy tenure of senior citizen plan?

    Care Health Insurance offers the plan for senior citizens for tenure 1, 2 and 3 years.

     

  • Is there any health check-up offered under Care Health Insurance senior citizen plan?

    Yes, an annual health check-up benefit is offered.

  • Is there any dialysis coverage offered to senior citizens?

    Yes, a dialysis cover is offered by the Care Health Insurance for senior citizens up to Rs. 1,000 per sitting limited up to 24 consecutive months.

Top-up

  • Does Care Health Insurance provide any top-up plan?

    Yes, Care Health Insurance provides a top-up plan.

  • What is the name of the top-up plan offered by the Care Health Insurance?

    Enhance is the top-up plan of Care Health Insurance.

  • What are the documents required to port another policy into Care Health Insurance top-up plan?

    You can apply for Care Health Insurance top-up plan under portability with the following documents:  

    • Top-up plan proposal form
    • Portability form
    • Copy of expiring health insurance policy
    • Copy of renewal notice

  • Is there any discount offered by Care Health Insurance on buying its top-up plan?

    Care Health Insurance provides a group discount of 5% to 20% depending on the group size.

Woman

  • What is the maximum age limit for women to get enrolled in Care Health Insurance?

    Care Health Insurance offers a plan covering women with no maximum limit and lifelong renewability option.

  • Can women proposers get tax benefits with Care Health Insurance?

    Yes, women and men both can gain tax benefits on the premium amount of health insurance under the Income Tax Act.

  • Does Care Health Insurance provide a second opinion feature for women?

    Yes, women are also provided with the second opinion option by Care Health Insurance.

  • Is there any health check-up feature offered by Care Health Insurance for women?

    Yes, an annual health check-up option is offered by Care Health Insurance under a plan offering the coverage for women.

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

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.

Care Health Insurance User Reviews

What users are saying
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