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About Care Health Insurance

Established in the year 2012, Religare Health Insurance Company Limited is a specialized healthcare insurer. Its product line includes protection against Critical diseases, personal accidents, Top-up Coverage, Overseas Travel Insurance and Maternity along with Group insurance policies (Health Insurance and Personal Accident) for corporates.

Care Claim Settlement Ratio




Industry Average

Health claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. Care has a claim settlement ratio of 100%, as compared to the industry average of 94.21%.

Care Health Insurance Plans Overview

Care health insurance offers 6 health insurance plans. The premium of these plans starts from Rs. 6570/yr. The sum insured ranges from Rs. 1 Lakh - 75 Lakh. Details of the comprehensive coverage provided by the following 6 Care health insurance plans are listed below:

Care Care Policy

Starting Premium- NA

Eligible Age

91 days onwards


5 Lakh - 75 Lakh

Care Enhance Policy

Starting Premium- 6,570/Yr

Eligible Age

18 years onwards


1 Lakh - 55 Lakh

Care Freedom Policy

Starting Premium- NA

Eligible Age

90 days onwards


3 Lakh - 10 Lakh

Top Features From Care Health Plans

Key Features of Religare Care Health Insurance Plan

  • Up to Rs. 6 Crores of the sum insured with the option to renew the policy throughout the lifetime of the policyholder
  • Wide network of more than 16,500 healthcare providers spread across the country
  • No pre-requisite of medical checkups – for cases wherein the sum insured is below Rs. 25 lakhs and the age of the insured is not above 50 years
  • The facilityy of auto recharge of sum insured if the claim amount exceeds the coverage. This is done at zero additional cost
  • Worldwide cover for 12 critical ailments
  • Additional benefits for NCB (No Claim Bonus) such as 1.5x sum insured
  • Preventive health checkups on an annual basis, irrespective of claim history
  • Hassle-free and cashless claim settlement. It has the best settlement ratio (92%) in the industry
  • Covers expenses incurred during organ donation
  • Covers non-allopathic treatments including Ayurveda, Homeopathy, Unani and Sidha
  • Flexibility to add riders as per one’s needs. For example,air ambulance cover, international second opinion

Exclusions Across Care Health Plans

Policy Exclusions of Religare Care Health Insurance Plan

  • Any diagnosis or surgery whose symptoms are first seen within the waiting period i.e. 30 days of the start date of the Care policy.
  • Expenses due to any injury inflicted by self, including attempted suicide
  • Expenses due to consumption or usage of alcohol, drugs or other such substances
  • Treatment of venereal diseases such as AIDS 5) Birth or congenital disease
  • Maternity related expenses. It includes miscarriage, abortion, childbirth, infertility treatment and in vitro fertilization
  • Hospitalization expenses as a result of war, communal riots, strikes, nuclear attacks, etc.

Care Premium Calculator

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Care Customer Care

Customer Care Number

Care Claim Process

Care supports both cashless claims and reimbursement claims. This section covers the information on how to check Care health insurance claim status, fill Care health insurance claim form, and the claim settlement process.

  1. To locate the nearest cashless network visit https://www.careinsurance.com/health-plan-certified-network-hospitals.html ordownload the Care Health-Customer App by clicking here https://bit.ly/3iI2ZfJ
  2. Contact hospital insurance help-desk or billing counter with a copy of patient’s medical ID card, e-health card, pre-authorization form along with valid Govt. ID proof.You can easily access your e-card anytime, anywhere by downloading the Care Health-Customer App
  3. Submitted documents are shared by the billing counter/TPA desk with us, seeking pre-authorization approval
  4. In case any information is incomplete/missing; we may contact hospital for the same
  5. Pre-authorization decision will be given by us post review as per policy terms and conditions
  6. Post treatment discharge summary and other related documents are submitted by the hospital/TPA to us for final approval
  7. We assess the bills basis the sum insured and plan terms & conditions to settle the bill directly with the hospital

  1. You can register your claim online by scanning & uploading the claim documents at the Care Health Insurance ‘Self-Help Portal’ Link-https://www.careinsurance.com/self-help-portal.html or download the Care Health-Customer App to be able to do the same
  2. As per the product you are insured with, download the re-imbursement claim form & submit online or download the Care Health-Customer App to be able to do the same
  3. Upload a personalized name printed cancelled cheque in name of employee for corporate policy and in name of proposer for individual policy
  4. In event of employee’s/proposer’s demise – cancelled personalized cheque (name printed) of nominee, ID proof of nominee & legal heir certificate
  5. You are requested to scan & upload the following documents received from your hospital. Also submit additional documents, if any.
  • Original discharge summary
  • Original final hospital bill with item wise break-up
  • Original paid receipt against the final hospital bill

For Accidental cases

  • MLC/FIR copy (if applicable)
  • Alcohol history (if applicable)
  • Investigation reports (like X-Ray/MRI/CT Scan etc)
  • Attested copy of indoor case papers
  • In case of implant surgery, invoice & sticker
  • For all claims amounting Rs.1 lakh or above please provide copy of any one of these

KYC documents (Aadhaar Card, Passport, Driving Licence Voter ID, etc). Please ensure
that the address on KYC documents is matching with the Policy address

Care Health Insurance Renewal Process

Renewal Process of Care Health Insurance
Generally, a health insurance policy stays active for 1 year after which it requires renewal. However, there are plans which offer 2 to 3 years of validity at extra costs. If a health insurance policy is not renewed on time, it lapses and the policyholder loses all the accumulated benefits. Most insurers offer a renewal window of 7-30 days beyond the policy tenure called a grace period to renew the plan and to protect the continuity benefits of No Claim Bonus (NCB) and waiting period.

Here, you may also note that for every claim-free year, Care Health insurance policyholders can avail of an NCB of up to 100% on the sum insured. Thus, policyholders who haven’t raised a claim during the previous policy term can expect a reward in the next renewal in the form of a boost in the coverage bandwidth without an increase in the premium price.

The renewal process of a Care Health insurance policy is very simple and can be done easily online by following the below steps:

  1. Go to the official portal of Care Health Insurance Company for Care Health policy renewal
  2. Now, click on the ‘renew’ policy section and submit the mandatory fields like Policy Number, Contact Number, and Date of Birth
  3. Submit the captcha and click on the Care Health ‘Renew’ Policy button
  4. Now make the online payment of the renewal premium
  5. You will receive the documents of your policy renewal on your registered email ID


You can reach out to the customer support team through phone or email to get the details. One can also place a request for a callback on the company’s website

Alternatively, one can click on the “Helpdesk” icon on the home page of the company’s website and then go to “Branch Locator”

The updated list of network or empanelled hospitals is available on the company’s website. One can also call us on the Toll-free number 1800-102-4488 or email at customerfirst@religarehealthinsurance.com to get more details.

Yes. The premium paid for the health insurance policies qualifies for a tax deduction as per Section 80D. One can claim a tax deduction of up to INR 25,000 (or INR 50,000 in case of senior citizens) for a premium paid for self, spouse and children. If the premium is being paid for parents an additional deduction of INR 25,000 (or INR 50,000 if parents are 60 years or above) can be claimed.

No. There is no such limit. However, the total claim amount (from all the claims) should not exceed the sum insured.
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