Care Health Insurance

Network Hospitals:
Claim Settlement
Ratio: 95.2%
PED Coverage
Covered after 2 Year
Save Tax Under
Section 80D

About Care Health Insurance

Care Health Insurance is a specialized health insurance provider that offers a range of products in the retail sector, including Health Insurance, Top-up Coverage, Personal Accident, Maternity, International Travel Insurance, and Critical Illness. They also provide Group Health Insurance and Group Personal Accident Insurance for corporate clients, Micro Insurance Products tailored for the rural market, and a comprehensive set of Wellness Services. The company's core operating principle is centered around prioritizing the needs of the consumer. They have consistently invested in utilizing technology effectively to deliver excellent customer service, drive product innovation, and provide value-for-money services.

Recognizing their commitment to excellence, Care Health Insurance received prestigious accolades. They were honored as the 'Best Health Insurance Company of the Year' at the India Insurance Summit & Awards in 2023. Additionally, they were recognized with the 'Best Health Insurance Product' and 'Best Health Insurance Agents' awards at the Insurance Alertss Awards in 2021. In 2019, the company was also bestowed with the 'Best Medical/Health Insurance Product Award' at the FICCI Healthcare Excellence Awards.

Care Health Insurance Plans Summary

Discover the wide range of health insurance plans offered by Care Health. Look at the list below:

Care Health Insurance Plan - This comprehensive health insurance policy is specifically designed to provide coverage for medical expenses resulting from any illness or injury experienced by policyholders.

Care Freedom Health Insurance Plan - This policy is tailored to offer unique benefits to individuals who have diabetes, a high BMI, or high blood pressure. It covers the costs of treatment for these specific diseases.

Care Heart Health Insurance Plan - This insurance plan provides coverage for pre-existing heart conditions. It is designed to handle the expenses incurred during any medical emergencies that may arise for cardiac patients.

Care Senior Health Insurance Plan - Geared towards senior citizens aged 61 and above, this insurance policy offers coverage for medical emergencies that may occur during the post-retirement phase of their lives.

Care Joy Health Insurance Plan - This insurance plan provides coverage for maternity-related expenses. In addition to pregnancy-related costs, it also compensates for the medical needs of newborn babies.

Network Hospital

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Why Choose Care Health Insurance?

Care Health Insurance possesses numerous commendable qualities that make it an excellent choice for health insurance plans. Here are some compelling reasons that establish its reputation:

Impressive Claim Settlement Ratio - The Claim Settlement Ratio is a vital measure of an insurance company's performance in successfully settling claims. Care Health Insurance boasts an outstanding claim settlement ratio of 92.83% for the financial year 2018-2019.

Responsive Customer Support - Care Health Insurance prioritizes customer satisfaction by offering round-the-clock customer care services. Their dedicated team of experienced professionals is readily available to address any health insurance inquiries or concerns raised by policyholders.

Efficient Cashless Claim Approval - Care Health Insurance excels in efficiently settling health insurance claims. They pride themselves on swiftly processing a significant majority of their cashless claims within a remarkable time frame of just 2 hours, ensuring a seamless experience for policyholders.

Extensive Hospital Network - With a vast network of 8,250+ hospitals, Care Health Insurance has established partnerships that enable its policyholders to receive cashless medical treatment. This expansive network ensures convenient access to network hospitals in close proximity to policyholders' locations.

Key Features of Care Health

Wide Network: Care Health Insurance ensures access to quality treatment through its extensive network of 4100+ leading hospitals across the country.

Settlements: With a commendable claim-settlement record, Care Health Insurance instills confidence in potential customers, assuring them of reliable and timely claim settlements.

No-Claim Bonus: Certain products offered by Care Health Insurance provide the opportunity to earn a remarkable no-claim bonus of up to 150%, incentivizing policyholders to maintain a healthy lifestyle and not making claims.

Incurred Claim Settlement Ratio: Care Health Insurance achieved an incurred claim settlement ratio of 55% for the financial year 2018-19, indicating their commitment to efficiently settling claims.

Number of Members: Care Health Insurance plans extend coverage to a maximum of 6 members in your family, including up to 2 children and 4 adults.

Lifelong Renewal: Care Health Insurance plans offer the advantage of lifelong renewal, ensuring that policyholders are protected from the financial burden and stress caused by medical emergencies, and are always prepared to handle any situation.

Pre & Post Hospitalization Cover: Care Health Insurance provides coverage for medical expenses incurred 30 days prior to hospitalization and 60 days post-hospitalization, specifically for related medical expenses.

Health Check-ups: Care Health Insurance offers free health check-ups for insured individuals, promoting proactive healthcare and preventive measures.

Pre-existing Diseases: Coverage for pre-existing diseases is included after a waiting period of 4 years, ensuring that policyholders receive necessary medical support for existing conditions.

Care Health Claim Settlement Ratio

The Claim Settlement Ratio of a health insurance company represents the percentage of claims successfully settled by the company compared to the total number of claims received during a financial year. It serves as an important indicator of an insurance company's efficiency in handling customer claims.

As a prudent health insurance buyer, it is essential to consider the Claim Settlement Ratio of an insurer before purchasing a plan. Here are the Claim Settlement Ratios for Care Health in the last two financial years:

Financial Year | Claim Settlement Ratio

FY 2017-2018 | 89.59%
FY 2018-2019 | 92.83%

These figures demonstrate the insurer's commitment to efficiently settling claims and providing timely support to policyholders when they need it most. Care Health stands out as a reliable and trustworthy option for individuals seeking comprehensive health coverage.

Dedicated Whatsapp Claim Assistance

Care Health Claim Process

A health insurance claim is the formal procedure through which a policyholder seeks reimbursement from the insurer for the expenses accrued during a medical emergency, illness, or accident. There are two methods by which a health insurance claim can be resolved: cashless claim and reimbursement claim.

Cashless Claim Process

When a policyholder receives medical treatment at a hospital that is part of Care Health Insurance's network, the claim is settled through a cashless process. In a cashless claim, the policyholder is not required to make payments to the hospital, as Care Health Insurance directly settles the bill with the hospital, subject to the sum insured.

To initiate a cashless claim with Care Health Insurance, please follow the steps outlined below:

Step 1: Inform the Insurer
Contact Care Health Insurance at 1800-102-4488 within 24 hours of emergency hospitalization or 48 hours before planned hospitalization. You can also inform them via email at [email protected].

Step 2: Obtain Pre-Authorization for the Claim
Obtain a pre-authorization form from the hospital's insurance department or TPA desk. Fill it out and sign it, then submit it to the hospital's insurance or TPA desk, which will forward it to Care Health Insurance.

Step 3: Document Verification
Care Health Insurance's in-house medical team will review the case and the submitted documents.

Step 4: Claim Approval
If any additional information or documents are required, the authorizing team will request them from the hospital. If the request is declined, the insurer will inform both you and the hospital, providing the reasons for the rejection.

5: Claim Settlement
If the pre-authorization request is approved, the hospital and you will be notified, and the expenses will be settled by Care Health Insurance.

Reimbursement Claim Process

When a policyholder receives medical treatment at a hospital that is not part of Care Health Insurance's network, the claim settlement process is in the form of reimbursement. In this case, the policyholder must initially pay for all medical expenses and later request reimbursement from Care Health Insurance, subject to the sum insured.

Follow the steps below to submit a Care Health Insurance Reimbursement Claim:

Step 1: Inform the Insurer
Notify Care Health Insurance at 1800-102-4488 within 24 hours of emergency hospitalization or 48 hours before planned hospitalization.

Step 2: Provide Information
Furnish the insurer with information regarding hospitalization and other relevant medical details, including:

  • Policyholder's name
  • Customer ID
  • Hospital details
  • Treatment and diagnosis information
  • Date of hospitalization
  • Claim amount

Step 3: Submit Required Documents
Obtain the insurance claim form from the Care Health Insurance website or the hospital. Complete and sign the form, attaching the necessary documents such as:

  1. Valid ID proof
  2. Doctor's letter recommending admission.
  3. Doctor's prescription for medical tests, medications, consultations, etc.
  4. Original receipts, bills, and discharge forms signed by the doctor.
  5. Original bills from pharmacies
  6. Original diagnostic test reports, radiology reports, and payment receipts
  7. First Information Report (FIR) for police cases
  8. Postmortem Report, if applicable, etc.

4: Document Verification
Care Health Insurance's in-house medical team will review the form and documents. If any additional details are required, you may be requested to submit them. If your claim is rejected, you will be notified with valid reasons.

Step 5: Claim Settlement
If your claim request is approved by the insurance provider, you will be informed, and your claim amount will be provided to you.

Why Buy from

  • Wide Range of Insurance Options: offers a comprehensive selection of insurance options to meet various needs, including auto, home, life, health, and more.
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  • Expert Guidance: provides expert guidance and support throughout the insurance process. Their knowledgeable team is available to answer questions, provide assistance, and help customers navigate the complexities of insurance.
  • Competitive Pricing: strives to offer competitive pricing for insurance policies, helping customers find affordable coverage without compromising on quality.
  • Transparent and Secure: The platform maintains transparency in policies and pricing, ensuring customers have a clear understanding of their insurance coverage. Additionally, prioritizes data security to protect sensitive information.
  • Customer Reviews and Ratings: features customer reviews and ratings, allowing users to gain insights from the experiences of others when choosing insurance options.
  • Streamlined Claims Process: In the event of a claim, aims to provide a streamlined and efficient claims process, ensuring customers receive the support and assistance they need during difficult times.
  • Insurance Education: offers valuable resources and educational materials to help customers understand insurance concepts, make informed decisions, and maximize the benefits of their insurance policies.

Care Health Insurance

Network Hospitals:
Claim Settlement
Ratio: 95.2%
PED Coverage
Covered after 2 Year
Save Tax Under
Section 80D
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