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Care Health Insurance

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Care Health Insurance
Cashless Approval TAT2 hr Cashless Claim Processing
Claim Settlement Ratio95.22%
Network Hospitals21,100+
Pre-existing Disease Coverage FromDay 1
Special BenefitsNo Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs coverageRs. 546/month

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.

Key Features 

Listed below are some of the key features of Care Health Insurance:

  1. Provides Policy to Critical Illness Patients: Even in case you have an existing illness like prior cardiac arrest or heart issue, kidney issues, Care Health provides policies specially catered to your need.
  2. Maximum Disease Coverage: Care Health Insurance offers maximum disease coverage in specific health plans.
  3. Premium Discounts: If you purchase a multi-year policy, you have an option of availing premium discounts with Care Health Insurance
  4. Modern Treatments: Coverage under Care insurance covers modern treatments like robotic surgery and radiosurgery
  5. Annual Health Check-ups: Care Health Insurance provides annual preventive health check-ups within some plans at their impanelled network service providers. The company also provides free cardiac health check-ups.
  6. Pre-policy Check-ups: In some plans, like Care Supreme, and Care Freedom, the company gives no-pre-policy medical check-up benefits
  7. No Claim Bonus: Care health insurance offers up to 50% no claim bonus [5] for plans like 1 Crore Health Plan and up to 500% in plans like Care Supreme [6]
  8. Senior Citizen Benefit: No copayments are required for senior citizens.

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Key Metrics

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

Key Metrics


Claim Settlement Ratio (FY 2022)


Solvency Ratio (March 2023)


Lives Covered

3 Crore+

Launch Year


*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]

InsuranceDekho is a 5-Star Partner of Care Health Insurance

Care Health Insurance Plan List

  • Individual (19)
  • Family (19)
  • Woman (22)
  • Senior Citizen (13)
  • Parents (17)
  • Blood Pressure (22)
  • Kids (13)
  • Thyroid (22)
  • Diabetes (22)
  • Heart (9)
  • Cancer (2)
  • Cover

    7 Lakh

    Cashless Hospital


    Starting From 727/month*

  • Cover

    7 Lakh

    Cashless Hospital


    Starting From 1,289/month*

  • Cover

    3 Lakh

    Cashless Hospital


    Starting From 1,411/month*

See More Plans

Eligibility to Purchase Care Health Insurance Plan

The eligibility for purchasing a health insurance plan from Care depends on whether it is an individual health insurance plan or a family floater plan.

1. Age

  • For individuals, the minimum age must be 18 years with no upper age limit in some plans
  • For family floater plans, the minimum age is 91 days up to 24 years for children and 18 years and above for adults.

2. Number of members covered

  • Within an individual plan, a maximum of 6 persons can be covered
  • Within a family floater plan, a maximum of 2 adults and 2 children can be covered

Care Health Insurance Top Up List

  • Family (1)
  • Individual (1)
  • page-template-top-up (1)
Name of PlanSum Insured
EnhanceMin: 1 Day; Max: No Limit1 Lakh Check Premium
Care Enhance Min: 1 Day; Max: No Limit1 Lakh Check Premium

Top Plans Offered by Care Health Insurance

Here are the top 5 plans offered by Care Health Insurance Limited:


Plan Type

Sum Insured

Ideally Suitable For

Care Supreme

Individual and family floater plan

Rs. 7 lakhs to 1 Crore

Family, Senior Citizens and Youngsters


Family Floater

Rs. 5 lakh to 6 crore

Family and Senior Citizens

Care Freedom

Individual and family floater plan

Rs. 3 lakh to 10 lakh

Persons with Pre Existing Illness or Have Undergone Major Surgery

Care Heart

Individual plan

Rs. 7 lakhs to 1 crore

Heart Patients

Care Enhance

Individual and family floater plan

Rs. 1 lakh to 30 lakh. Up to 55 lakh in some cases

Customers looking for enhanced coverage at low cost

Riders Offered by Care Health Insurance

Here are some top riders offered by Care Health Insurance:

  • Critical Illnesses: Care Health Insurance gives critical illness rider on several plans like Care Supreme that can help shield you from diseases like cancer, heart attack, diabetes, etc
  • OPD Care: You can add OPD care rider with your plans like Care Heart, Care to get OPD consultations, diagnostics and medications taken care for you under your health insurance policy
  • Unlimited Automatic Recharge: If you don’t want to worry about your sum insured getting exhausted, you can opt for an automatic recharge of sum insured. This will restore your entire sum insured amount for future use
  • Daily Allowance+: Covers additional cash expenses incurred during hospitalisation. The insured gets a fixed lump sum amount for non-medical bills including attendant cost, transport cost, etc
  • International Second Opinion: You can opt for a rider of international second opinion with your Care Health Insurance. These are available for plans like Care Heart.

*Please note: Riders can be availed by paying an additional premium for them along with your plan. Riders may vary depending on the plan you choose.

How To Purchase Care Health Insurance Policy?

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 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

Benefits of Purchasing Your Policy from InsuranceDekho

  • At InsuranceDekho, we help you in facilitating easy claim settlement along with the insurer team. Dual assistance can be useful for a policyholder since there is complete assistance from both teams.
  • We aim to provide you with complete support in obtaining urgent approvals from the insurers.
  • Renewing your policy or getting policy modification like name, address etc through us gets done faster with easy assistance and support
  • With an unbiased approach in suggesting insurance plans, we give you plan suggestions that are tailored to your specific needs

Documents Required for Purchasing Your Policy

Below is the list of documents required for registering with Care Health Insurance Limited:

  1. Copy of proposal form or online OTP verification
  2. Age Proof (10th or 12th mark sheet, voter’s ID, passport, PAN card, driving licence)
  3. Address Proof (Aadhaar card, passport, driving licence, electricity bill, telephone bill, voter’s ID)
  4. Medical Reports

How to Claim Your Health Insurance?

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]

Get your Care Health Insurance claim settled faster with InsuranceDekho

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

Care Health Insurance - Customer Service & Support

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
  • 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 or visit here for more details:



Health Insurance News


  • 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 or through online broker’s website like InsuranceDekho.

  • 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% for FY 2018-19.

User Reviews

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What users are saying
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  • Claim
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  • Premium
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  • Critical Illness
  • Customising plan is simple

    It was easy to get Care Health Insurance with InsuranceDekho. My plan was easily customizable because of its user-friendly platform and kind service. I made sure I chose the finest choice for my needs thanks to the advice I received. I'm really happy with how simple the procedure was.

    By Priya Aggrawal
    On: Jun 19, 2024
  • Great service throughout

    Purchasing Care Health Insurance was made simple by InsuranceDekho. Their staff offered great advice, answering all my questions and helping me understand the coverage options. The site is easy to use, allowing me to quickly compare different plans. I felt confident in my choice, thanks to their excellent guidance and support.

    By Umesh Yadav
    On: Jun 18, 2024
  • Multiple Plans to Offer

    InsuranceDekho is actually concerned about its users' health! I discovered Care Health Insurance through their portal, and I'm quite glad I did. The comparison tool made it straightforward to see what each plan included and how much it cost. I felt empowered to select the best coverage for me, owing to InsuranceDekho's user-friendly layout and thorough explanations.

    By Aman Rathore
    On: Jun 05, 2024
  • Saved me from financial troubl...

    I've had a great experience with InsuranceDekho so far. Their user-friendly interface made it easy for me to understand the different coverage options available. Plus, their prices are competitive, so I feel like I'm getting real value for my money. Care health insurance was the best thing that happened to me.

    By Ashu Malhotra
    On: May 29, 2024
  • Help received during the form-...

    The paperwork was a little burdensome, but the coverage was decent. Care Health Insurance could make the procedure simpler. However, the advisor from InsuranceDekho came to my office and helped me with the entire form-filing process. Grateful to the InsuranceDekho team.

    By Zara Khan
    On: May 23, 2024