Keep Your Loved Ones Safe with
CARE HEALTH Insurance
- 19000+ Cashless Healthcare Providers
- Coverage against COVID-19
- 95.2% Claim Settlement Ratio*
- Tax Benefits Under Section 80D
- 30 Lacs+Claims Settled^

Customize Health Insurance Plan For Yourself
Best Insurance with Care Health Insurance
In today’s world, health insurance is required for all age groups, and by paying a standard manageable premium, you can guard yourself against exorbitant medical bills. Thanks to the rapid adaptation of internet and mobile technologies, individuals and families can now compare, access, and purchase multiple products in just a few clicks. The process of buying health insurance online has been simplified by digitization.
Purchasing health insurance online is less expensive because there are no intermediaries involved and most insurers offer online discounts to their customers. It is also very convenient for customers to compare multiple insurance plans based on features and premium to choose the option that is best suited to their specific needs.
You can buy Care Health Insurance plans (formerly known as Religare Health Insurance) online to get unique health benefits. Care health policy (Religare health policy) offers exclusive health plans that give maximum coverage at an affordable premium. You can compare multiple features of the Care health plan (Religare health plan) like inclusions and exclusions, the number of ailments covered, age criteria, etc., while purchasing online.
You can also check for the list of network hospitals on the Care insurance website and know your nearest cashless healthcare provider. You can also renew your health plan online from the comfort of your own home or anywhere else. This allows you to save time and effort. Secure payment gateways ensure the privacy and confidentiality of personal data from end to end. Besides that, the time it takes to access insurance is reduced because individuals can respond to queries instantly and insurers can verify provided information in real-time.
1. In- Out Patient Coverage
What are ICU Charges?
ICU is a special department in hospitals that treats patients with serious medical conditions, that requires intensive care.
And its charges can be very high.
What is the status of your Care Health Insurance Plan coverage?
ICU charges are covered up to the selected SI under this plan.
What is the pre-hospitalization?
It is the medical expenses incurred, prior to the hospitalization of the policyholder. It may include investigation/tests, treatment and medication.
What is the status of your Care Health Insurance Plan coverage?
Pre-hospitalization medical expenses are covered for up to 30 days under this plan.
What is the post-hospitalization?
The medical expenses incurred Following the policyholder’s discharge from the hospital. It may include follow-up tests, treatment and medication.
What is the status of your Care Health Insurance Plan coverage?
Under this plan, medical expenses incurred post-hospitalization are covered upto a duration of 60 days.
The coverage for room rent under this plan is defined by the selected SI amount, as shown in the table below:
What are the OPD charges?
Expenses incurred during Medications, treatments and tests that are prescribed by doctors, but which do not require any hospitalization.
What is the status of your Care Health Insurance Plan coverage?
OPD costs are covered by a rider that can be added to this plan for an unexpected expense. This rider can only be used if the extra customer pays.
What is it?
that need less than 24 hours of hospitalization, such as blood dialysis, cataract surgery, etc.
What is the Care Health Insurance coverage status?
All day-care procedures are included in this plan.
What is it?
When the insured person has to be hospitalized at home, due to the lack of medical facilities in hospitals, it is called domiciliary hospitalization. In order to qualify for coverage, the treatment must last 72 hours or more.
What is the status of your Care Health Insurance Plan coverage?
Domiciliary hospitalization for more than three days is covered by this plan up to 10% of your selected Sum Insured.
2. Coverage Terms
COVID-19 Treatment: What is it?
The cost of treatment for COVID-19 with a confirmative diagnosis from the government authorised diagnostic centres is included.
What is the status of your Care Health Insurance Plan coverage?
Covered up to SI.
What is a No-Claim Bonus?
For every claim-free year, the insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus upon policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Care Health Insurance Plan?
Up to 50% of SI (Without any Rider)
Up to 150% of SI (WITH NCB SUPER RIDER)
Cataract Treatment: What is it?
A condition in which your eye lenses become cloudy, and vision becomes blurred.
Do you have coverage under the Care Health Insurance Plan?
Not Covered
Organ Donor Coverage – What is it?
This policy covers the cost of removing the damaged or malfunctioning organs from the body, and replacing with the healthy one that is donated by someone.
Do you have coverage under the Care Health Insurance Plan?
Available depending on your selected SI as mention in the below table.
Automatic Restoration: What is it?
An automatic restoration is a benefit in which the insurance company restores the sum insured amount entirely or up to a certain percentage after the amount exhausts due to treatments on yearly basis. This restoration amount and multiple may very from plan to plan.
Coverage status under Care Health Insurance Plan?
Covered up to SI.
Maternity Cover – What is it?
Under this benefit, expenses for normal and c-section deliveries are covered.
Do you have coverage under the Care Health Insurance Plan?
Between the SI options of 50-75 lakhs, the plan has maternity coverage of up to 1 lakh for those who need it.
Cover for new born babies – what is it?
In case of unforeseen circumstances, it takes care of any medical expenses incurred due to the hospitalization of the new-born. The following are common treatments that are covered under the new-born plan, and these common treatments can vary from plan to plan:
· Congenital anomalies (conditions since birth)
· Acute condition
· Chronic condition
· Premature delivery
· Birth asphyxia
· Day care treatment
Coverage status under Care Health Insurance Plan?
Not Covered.
Daily Hospital Cash: What is it?
It is a fixed amount that the insured person receives on daily basis when being hospitalised. The amount is reimbursed to insured’s account after discharge.
Coverage status under Care Health Insurance Plan?
Available under a rider that can be availed of by paying an extra premium.
3. Alternative Treatment
AYUSH Treatment – What is it?
AYUSH refers to Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy treatment, as well as the associated costs. These are the alternative treatments/medications to allopathy treatments.
What is the status of your Care Health Insurance Plan coverage?
Not Covered.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. A The common expenses incurred under IVF and infertility treatments are for:
· Full infertility
· No fertility
· Infertility diagnosis
· Infertility diagnosis and limited fertility treatment
· Medication (which may or may not include fertility drug prescriptions)
Coverage status under Care Health Insurance Plan?
No IVF treatment is claimable under this plan.
What is a Modern Treatment?
Coverage status under Care Health Insurance Plan?
The plan offers coverage against the surgeries like oral chemotherapy, deep-brain stimulation, etc. up to Sum Insured with a sub-limit of 1L.
4. Emergency Coverage
Ambulance coverage – what is it?
Charges for ambulance transportation from home to hospital and back to home or switching hospitals, while being hospitalised. In an ambulance, a patient is transported from home to the hospital, transferred to another hospital, and taken for tests outside of the hospital.
Is Care Health Insurance covered?
This Plan pays for Ambulance charges based on the SI you Choose.
In the event of a medical emergency, some Patients need to be referred to special hospitals, using air Ambulance facility. Air ambulances are specially equipped planes/helicopters that transport the patient from one location(hospital) to another for rapid treatment.
Under the Care Plan, what is the status of this feature?
It's possible to add this coverage as a rider for a minimum additional premium.
What is Compassionate Travel?
Travel expenses of a family member of the insured person if he or she is admitted to a hospital outside the insured’s home city/ town.
Do you have coverage under the Care Health Insurance Plan?
Not Available.
What is Global Coverage?
any kind of medical/health emergency when you are outside of India.
Coverage status under Care Health Insurance Plan?
Not Available
5. Wellness Programs
What is a Health Check-up?
It is a facility where the policyholder/insured person can avail free health check-ups within a policy year.
Coverage status under Care Health Insurance Plan?
This Policy allows everyone who is covered by it to get a health checkup once a year.
What is E-Consultation?
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbox.
Coverage status under Care Health Insurance Plan?
Not Available.
What is a Second Medical Opinion?
The policyholder, as an option, can also choose to obtain a second medical opinion, which allows them to consult with another expert doctor from the company's network of medical practitioners.
Coverage status under Care Health Insurance Plan?
Once for any condition for which hospitalization is triggered.
What is Vaccination cover?
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Care Health Insurance Plan?
Not Covered.
6. Limitation
What is Co-payment?
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under Care Health Insurance Plan?
20% of co-payment applies to policyholders who are above 60 years of age.
What is the Sub limit?
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Coverage status under Care Health Insurance Plan?
No Sub-limit.
Disclaimer: Information above is just for reference. Kindly refer T&C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
*IBAI Claims Handbook for FY 19-20
^number of claims settled till Feb’2022
**20% discount: It’s 10% discount for a 3-year policy tenure and 10% discount for insuring 4, 5 or 6 members of the same family, in the same policy, on individual sum insured basis.