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Care Health Insurance Claim Settlement

229 reviews Rate This
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

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Claim Settlement of Care Health Insurance

The claim settlement process of Religare Health Insurance is as great as its offerings. It has an easy process that can be processed online and is absolutely hassle-free. With a huge number of network hospitals in the list of healthcare facilities, the insurer boasts of its record claim settlement numbers through fast-paced and simple claim procedure. There are two scenarios when it comes to Religare Claim Settlement: Cashless and Reimbursement.

  • Claim Process for Cashless Treatment

    You can avail a cashless claim at more than 6,000 network hospitals across the nation. The steps for cashless claim process of Religare are the following:

    • First of all, find a Religare network hospital in a city where you want to get cashless treatment
    • Intimate Religare within 24 hours in emergency hospitalisation and 48 hours before admission in case of planned hospitalisation.
    • While visiting a network hospital, carry the cashless treatment card or the policy number and member ID.
    • Show the card/policy number of the member ID to the insurance desk of the hospital. 
    • Fill up the pre-authorisation form correctly available at the hospital.
    • Post informing the insurer and filling the form, the pre-authorisation form is sent to Religare health insurance company.
    • After examining and reviewing the claim details received, Religare team conveys the policyholder and hospital pertaining to the approval or rejection.
    • In case of approval, the medical expenses will be borne by the Religare directly, while in the case of rejection the policyholder needs to pay the bills.
  • Reimbursement Treatment

    You can file a reimbursement claim in both network and non-network hospitals. The reimbursement claim process includes the following:

    • In the case of planned hospitalisation, the Religare Health Insurance Company needs to be informed before 48 hours of admission.
    • In case of an emergency, the intimation should be given within 24 hours of hospitalisation. 
    • A claim form should be submitted along with the relevant documents as per the plan’s term and conditions.
    • After investigation of the documents and claim form details, the letter of approval is sent to the policyholder by the claim management team of Religare to confirm the approval. Post this, within 15 days the amount is reimbursed.
    • In case of rejection, the insured individual is required to respond to the query raised by the insurer or insured will get the reason for the rejection.
  • Documents Needed

    ​Here is a list of documents required for filing a reimbursement claim.

    • Original investigation reports                                                               
    • Final hospital discharge summary
    • FIR or post-mortem report if happened
    • Pharmacy bills along with the prescription
    • Original bills, receipts, and discharge report
    • Indoor case papers and duly-filled claim form
    • Original hospital bills and a valid photo ID proof
    • Treating doctor's report, and original consultation notes
    • Nature of operation performed and surgeon's bill and receipt
    • Test reports along with attending doctor’s or surgeon’s report

    In case of any query, you can contact InsuranceDekho at 1800-1205-698. 

  • Incurred Claim Ratio (ICR) of Care Health Insurance

    The Incurred Claim Ratio (ICR) is a highly effective approach to find how viable and dependable an insurer is. ICR reveals the pace of claim procedure and the productivity of the insurance firm in terms of revenue. The incurred claim ratio of Religare is 55%. In general, an ICR value between 50% and 90% is considered good, which means Religare has ample amount of assets in hand and executing claim process smoothly as well.

Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

Choose Care Health Insurance Critical Illness Plan

Care Health Insurance User Reviews

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  • I was pleasantly surprised by the affordable premiums I found for the Care Health Insurance Plan. InsuranceDek...

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    By Sandy Sen
    On: Oct 31, 2023
  • When I had to make a claim for my Care Health Insurance Plan that I bought for my parents, InsuranceDekho made...

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    By Ashutosh Saxena
    On: Oct 30, 2023
  • While looking for a good health insurance plan, I felt that the Care Health Insurance Plan is very transparent...

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    By Santosh Prasad
    On: Oct 26, 2023
  • Dealing with health insurance is made easier by InsuranceDekho's empathetic customer support. I have their Car...

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    By Pratyaksha Sah
    On: Oct 23, 2023
  • InsuranceDekho provided comprehensive educational resources while buying the Care Health Insurance Plan. Their...

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    By Pritish Panchanda
    On: Oct 18, 2023
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Care Health Insurance Contact Details

Reach us for help anytime
  • Insurance Dekho

    755 1196 989Mon to Sun 10:00 AM to 7:00 PM
  • Care Health Insurance

    1800-102-4499Mon to Fri 10:00 AM to 7:00 PM

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.

1716 Care Cashless Network Hospitals in India

Best Insurance Advisors in Your City.

Care Health Insurance Claim Settlement FAQs

  • 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 or at

  • 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.

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