Care Health Insurance

If you want to safeguard your health and financial well-being, Care Health Insurance can be your trusted partner in your pursuit of comprehensive healthcare coverage. Formerly known as Religare Health Insurance Company Limited, this insurance provider is known for reliability since its inception in 2012. It operated as a subsidiary of Religare Enterprises until its rebranding in August 2020.

Care Health Insurance addresses diverse needs and specializes in an array of health insurance products tailored for individuals and families, including maternity, senior citizen, diabetes, heart, cancer/critical illness, and an innovative OPD plan. The commitment to providing swift and seamless services is evident in its remarkable feat of approving all cashless claims within a remarkable two-hour timeframe.

As of the financial year 2021-22, Care Health Insurance has an incurred claim ratio of 65.05%, underscoring its dedication to settling claims efficiently. This guide dives into the intricacies of Care Health Insurance, unraveling its offerings. 

Care Health Insurance Plans

Plan Name	Target Audience	Min. Age	Max. Age	Min. Coverage	Max. Coverage
Care Health Insurance Plan	Family	91 days	No age Limit	₹ 3 lakh	₹ 6 crore
Care Joy Insurance Plan	Pregnancy	1 day	65 years	₹ 3 Lakh	₹ 5 Lakh
Care Senior Health Insurance Plan	Senior Citizens	61 years	No Age Limit	₹ 3 Lakh	₹ 10 Lakh
Care Health Enhance Super Top-up Plan	Top-up	1 day	No age limit	₹ 1 lakh	Rs 55 lakh
Care Freedom Plan	Diabetes, High BP & BMI	90 days	No age Limit	₹ 3 lakh	₹ 10 lakh
Care Critical Illness Insurance Plan	Critical Illness	18 years	65 years	₹ 1 lakh	₹ 25 crore
Care Cancer Mediclaim Policy	Cancer	5 years	50 Years	₹ 10 lakh	₹ 2 Crore
Care Heart Health Insurance Plan	Heart Diseases	18 years	No Age Limit	₹ 3 lakh	₹ 10 lakh
Care Arogya Sanjeevani Policy	Individuals	3 months	65 years	₹ 50,000	₹ 10 lakh
Care Operation Mediclaim Policy	Surgeries	5 years	50 years	₹ 10 lakh	₹ 2 crore
Care Corona Kavach Policy	COVID-19	1 day	70 Years	₹ 50,000	₹ 5 lakh
Care Health Care Advantage Plan	Family	91 Days	No Age Limit	₹ 25 lakh	₹ 1 crore
Care Health Secure Personal Accident Insurance Plan	Accidents	5 years	50 years	₹ 10 lakh	₹ 2 crore

**Plan details and eligibility information taken from the official website; it may change over time. 

Why Choose Care Health Insurance Plans?

• Diverse Health Coverage Options

Care Health Insurance offers extensive health insurance plans crafted to address specific health concerns. For instance, their tailored plans for cancer, heart diseases, COVID-19, etc. ensure a comprehensive solution catering to the diverse needs of individuals.

• Swift Claim Approval

Care Health Insurance takes pride in its commitment to efficiency by approving cashless claims within an limited timeframe. This swift process reflects the company’s dedication and ensures prompt claims settlement, providing policyholders with peace of mind during critical times.

• Round-the-Clock Claim Support

A 24×7 customer care team is at the service of policyholders, facilitating seamless claim assistance. This continuous support ensures that they can file claims anytime, enhancing the overall convenience and accessibility of Care Health Insurance services.

• Effortless Claim Settlement

Policyholders experience a hassle-free claim settlement process, thanks to the insurer’s claim settlement ratio. The company’s commitment to efficiently settling claims adds another layer of reliability to its services, building trust and satisfaction among policyholders.

•  Tax Benefits Under Sec 80D

Beyond health protection, investing in a Care health insurance plan brings financial advantages. The premiums paid are eligible for tax deductions under Sec 80D of the Income Tax Act, providing policyholders additional incentives for prioritizing their health and well-being.

Read More: All About Aditya Birla Health Insurance

How to File a Claim with Care Health Insurance (Step-by-Step Guide)?

Here’s a comprehensive guide on how to file a claim with this renowned insurance company:

• Promptly reach out to the helpdesk of the network hospital upon admission. Initiate the communication process to kickstart the claim procedure.
• Furnish essential documents, including a copy of your e-health card, medical ID card, and valid government ID proof. Complete a pre-authorization form, ensuring all necessary details are accurately provided. Submit the documents to the hospital help desk for verification.
• The hospital help desk takes charge of submitting all pertinent documents to the Third-Party Administrator (TPA) or Care Health Insurance.
• The TPA or insurer will review the submitted form and documents, adhering to the policy’s terms and conditions. Upon verification, approval for the cashless claim request is granted.
• After the completion of your treatment, the hospital facilitates the submission of the discharge summary and other requisite documents to the TPA or insurer.
• With the final approval secured, the insurer or TPA disburses the claim amount directly to the network hospital.

Note: For reimbursement claims, the policyholder needs to undergo treatment, gather all relevant documents at the time of discharge, and submit them to Care Health Insurance or TPA. The reviewing process will determine the reimbursement amount, which will be disbursed accordingly.

Which Documents are Required for Care Health Insurance Claim?

• A duly filled and signed claim form, providing comprehensive details of the medical treatment
• A written recommendation from the treating doctor advising hospitalization, diagnostic tests, or consultations
• Original hospital bill, inclusive of a detailed item-wise break-up of expenses incurred during the treatment
• Original discharge card issued by the hospital, confirming the completion of the treatment
• Relevant reports from diagnostic tests, such as MRI, X-ray, etc., supporting the medical claims
• Authentic payment receipts against the hospital bill, providing a clear record of financial transactions
• A verified copy of indoor case papers containing crucial medical information
• Police FIR/MLC Report and Post-Mortem report (applicable under accident cases)
• Know Your Customer (KYC) documents (mandatory for claims exceeding Rs 1 lakh)

Care Health Insurance Network Hospitals: Facilitating Nationwide Cashless Hospitalization

Care Health Insurance extends its commitment to accessible healthcare by maintaining an extensive network of hospitals across the country. Policyholders can avail themselves of cashless hospitalization facilities at the network hospitals located in:

• Delhi-NCR
• Mumbai
• Chennai
• Bangalore
• Kolkata
• Hyderabad
• Pune
• Ahmedabad
• Chandigarh
• Jaipur
• Lucknow, and others

Policyholders can refer to the detailed list of Care Health Insurance network hospitals for their respective cities to make informed decisions about their healthcare needs. 

How to Purchase Care Health Insurance Plans: A Simplified Guide

Buying a Care Health Insurance plan requires you to follow these clear steps:

• Check Out Care Health Insurance’s official website or that of an insurance aggregator.
• Find and click the ‘Health Insurance’ icon to unlock a treasure trove of health insurance plans.
• Pick the insured individuals, telling the insurer who you want to cover.
• Provide information like your age, gender, and any other important bits you think we should know. 
• If you’ve got any existing health hiccups or pre-existing conditions, don’t be shy about sharing. It’s all about keeping the lines of communication wide open and being straight-up with each other.
• Select the Care Health Insurance plan that vibes with what you need. 
• Pay the premium online.
• Once your payment goes through without a hitch, Care Health Insurance wastes no time in getting your policy issued and ready to roll. 

Adhering to these steps allows potential policyholders to efficiently follow the Care Health Insurance plan purchase process. 

Recommended Read: All About Health Insurance for Children

How to Renew Care Health Insurance Plans?

Ensuring the continuity of your Care Health Insurance coverage requires you to follow these clear steps for a hassle-free renewal:

• Initiate the renewal process by visiting the official website of Care Health Insurance.
• Locate and click on the ‘Renew Your Policy’ tab prominently positioned at the top of the page.
• Choose ‘Health Renewal’ to proceed with the renewal process.
• Input your registered mobile number in the provided box and enter the One-Time Password (OTP) received on your phone for authentication.
• Select the Care Health Insurance renewal plan that aligns with your needs.
• Make a secure online payment for the chosen renewal plan to complete the process.
• Once the payment is successful, your policy will be promptly renewed, ensuring continuous coverage without any interruptions.

Steps to Calculate Care Health Insurance Premium

Determining the premium estimate for your Care Health Insurance policy is possible using an online health insurance premium calculator. Follow these steps to estimate the premium based on your specific details:

• Utilize the Care Health Insurance online premium calculator, available on the official website.
• Input essential information such as your city of residence, desired sum insured, and any other relevant details as prompted.
• Follow the prompts on the calculator, providing accurate data to ensure precise premium estimation.
• Consider the sum insured carefully.
• Review the calculated premium displayed by the online calculator.
• If necessary, adjust variables such as the sum insured to explore different premium options based on your preferences.

This way, policyholders can make informed decisions about their coverage, ensuring transparency and clarity in the premium calculation process. 

Contact Details of Care Health Insurance

For your convenience, here are the contact details of Care Health Insurance:

WhatsApp No: 88604 02452

Website Link: https://www.careinsurance.com/contact-us.html

For any inquiries, assistance, or information regarding Care Health Insurance products, services, or policies, feel free to reach out via the provided contact information. 

FAQs

What’s the Claim Settlement Ratio of Care Health Insurance?

Care Health Insurance had a CSR of 95.2% for the financial year 2019-20. This reflects its commitment to efficiently and effectively settling claims and providing assurance to policyholders.

What is co-payment in Care Health Insurance Plans?

Co-payment is a portion of your claim amount you’ll need to cover when settling a claim. It can be a percentage of the sum insured or a fixed amount predetermined before purchasing the policy. In simple terms, it’s the contribution you make towards the claim, ensuring shared responsibility in managing healthcare expenses.

Why should I consider buying Care Health Insurance early?

Buying Care Health Insurance early has several advantages that cater to your long-term well-being, including lower premiums, coverage for pre-existing illness, No Claim Bonus (NCB), and others.

What does the Care Health Family Floater plan mean?

The Care Family Floater plan is a comprehensive health insurance offering designed to simplify coverage for your entire family. Here’s what it entails:

What does a standard Care Health Insurance policy not cover?

A standard Care Health Insurance policy provides extensive coverage, but there are certain exclusions to be aware of. Here’s what is not covered under the policy:

• Initial 30 Days Exclusion
• Self-inflicted Injuries
• Alcohol and Drug-related Medical Costs
• HIV/AIDS Treatment
• Congenital Diseases
• Pregnancy-related Issues
• Infertility Treatment

Understanding these exclusions is crucial to managing expectations and making informed decisions about your Care Health Insurance coverage. 

What is a No Claim Bonus (NCB) in Care Health Insurance?

NCB in Care Health Insurance rewards policyholders for maintaining a claim-free record. Policyholders receive a discount on their renewal premium if they refrain from making any claims during a policy year. Some plans offer an increase in the policy sum insured by a fixed percentage without any additional premium, as a reward for not raising any claims.

How do I cancel my Care Health Insurance policy?

To cancel your Care Health Insurance policy, simply submit a written cancellation request to the insurance company. Upon receiving your request, the insurer will cancel the policy and provide a refund of the paid premium, deducting any applicable cancellation fee. 

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