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Care Health Insurance

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Care Health Insurance (earlier known as Religare health insurance) Limited is a subsidiary of Religare Enterprise Limited (REL). It is a standalone health insurance company started in 2012. It is headquartered in Gurgaon and has over 19000 network hospitals across India that can offer you cashless hospitalization. Care Health Insurance offers various health insurance products such as standard health insurance, top-up health insurance, personal accident health insurance, maternity health insurance, critical illness health insurance, etc., along with various wellness services to its customers. Moreover, Care Health Insurance has a strong presence across 1700 locations in PAN India, with more than 8500 employees.

Below mentioned are the awards and accolades that Care Health Insurance has won in the last few years:

  • In 2015, "Best Health Insurance Company" at the ABP News-BFSI Awards
  • In 2019, "Emerging Asia Insurance Awards" by ABP News-BFSI
  • At the 2018 Insurance India Summit awards won "Best Claims Service Provider of the Year".
  • At Finnoviti 2013, won the "Editor's Choice Award for Best Product Innovation" award
  • In 2015, 2018 and 2019 won the "Best Medical/Health Insurance Product Award" at the FICCI Healthcare Excellence Awards.

Care Health Insurance (Formerly Known as Religare Health Insurance) Specification

Below mentioned are the key specifications of care health insurance (formerly known as Religare Health Insurance):

Particular Waiting Period
Network Hospitals 19000+
Incurred Claim Ratio (2019-20) 55.15%
Claim Settlement Ratio (less than 3 hrs) (2019-20) 100%
Number of Branches 158 offices
Solvency Ratio (2020-21) 2.52
Market Share (2020-21) 2,310.02 crore

*Data has been sourced from the annual report of IRDAI 2020-21

Key Features of Care Health Insurance Company (Formerly Known as Religare Health Insurance

Care Health Insurance offers a wide range of comprehensive health insurance plans to meet the diverse health-related needs of the customers. Moreover, Care Health Insurance has its in-house app, which acts as a one-stop solution for all your policy concerns. Below-mentioned are some of the other key features of Care Health Insurance:

01

Network Hospitals

Care health insurance has more than 19000+ network hospitals that offer quality cashless medical treatment to the policyholders.

02

Solvency Ratio

The solvency ratio can be the most critical factor that can be considered when choosing a health insurance company for you and your dear ones. The solvency ratio shows the ability of an insurance company to meet its long-term financial obligations. According to the Insurance Regulatory and Development Authority of India (IRDAI), every insurance company must maintain a solvency ratio of 1.5. In the year 2020-21, the solvency ratio of care health insurance is 2.52.

03

Market Share

Market share is the total number of policies sold and the premium collected by an insurance company in a year. According to the Insurance Regulatory and Development Authority of India (IRDAI), the gross premium collected by care health insurance in the years 2020-21 is INR 2,310.02 crores.

04

Number of Offices

Care Health Insurance has a presence in over 1700 locations with over 158 branches across India. Policyholders may visit the nearest branch of the Company in case they have any queries.

05

Claim Settlement Ratio

Claim settlement ratio is the most important thing to consider while choosing a health insurance company as it shows the claims settlement ability of the insurer. Care Health Insurance has a 100% claim settlement ratio in the year 2020-21.

Health Insurance Plans Offered By Care Health Insurance

Care health insurance offers various types of health insurance plans designed to fulfil every individual and family's medical needs. In the below section, we have bifurcated the health plans offered by the care health insurance into different categories:

Individual and Family Health Insurance Plan

Senior Citizen Health Insurance Plan

Critical Illness Health Insurance Plan

Why Choose Care Health Insurance (Formerly Known as Religare Health Insurance)?

Choosing the best health insurance company for you and your family can be difficult as there are so many health insurance companies available in the market. To make it easier for you, we "RenewBuy" have put together a list of the benefits of choosing Care Health Insurance as your desired health insurance company:

01

Easy & Quick Claim Process

Care Health Insurance offers its customers a quick and hassle-free claim settlement process, saving their time, money and energy. Moreover, Care Health Insurance has recorded a fantastic settlement ratio of 100% in the financial year 2020-21.

02

Wide Range of Health Products

Care health insurance offers a variety of health insurance plans that are a combination of affordability and meet most medical needs across all categories, such as individual health insurance, family health insurance, senior citizen health insurance, etc.

03

In-House Mobile App

Care Health Insurance has its own mobile app, which you can use for all your queries like claim settlement, renewal, or other plan-related concerns.

04

Wide Range of Network Hospitals

Care health insurance has more than 19000 empanelled hospitals across India where a policyholder can avail of cashless hospitalization facilities.

05

Quick Claim Settlement Approval

Care health insurance offers quick claim approval, and they settle cashless claims in just 2 hr, which can be great for the policyholders.

Care Health Insurance Add-on Riders

Care health insurance plans offer a wide range of add-on riders that can be added to a standard health plan. The policyholder can customize their health plan as per their needs and requirements. These optional add-riders are used to enhance the coverage benefits of basic health insurance plans.

Below mentioned are some of the optional add-on riders offered under the health plans of care health insurance:

01

No Claim Bonus Super Rider

Care Health Insurance offers an add-on rider wherein the policyholder can get a 50% increase in the sum insured for each claim-free year and can be availed up to a maximum of 100%.

02

International Second Opinion Rider

Under this add-on rider, a policyholder can take a free international second opinion about his illness and get a double check before going for treatment.

03

Unlimited Automatic Recharge Rider

Under this add-on rider, Care Health Insurance offers unlimited automatic recharge on exhaustion of the Sum Assured.

04

Everyday Care Rider

Under this add-on rider, the policyholder will get 1% of the sum insured for each diagnostic test and medical consultation.

05

Coverage for Air Ambulances Rider

This add-on rider offers adequate coverage for treatments unavailable in your city.

Care Health Insurance Exclusions

Below are the common conditions not covered under Care Health Insurance plans.

  • Suicide or attempted suicide
  • Sexually transmitted diseases (STDs) like HIV
  • Alcohol or drug abuse
  • Medical expenses incurred due to war or similar conditions

Care Health Insurance Buying Process

You can buy a care health insurance policy from the official website of the care health insurance and "RenewBuy.com". Below mentioned are both the buying process for care health insurance plans:

Buy from "RenewBuy.com"

  • Visit the official website of "care health insurance".
  • Click on the "Health Insurance Plan" tab.
  • Select the desired plan.
  • Fill in all the required details.
  • Click on the "Buy Now" button.
  • Make payment.

Buy from the official website of HDFC health insurance

  • Visit the official website of "RenewBuy".
  • Click on the "Health Insurance" tab.
  • Fill the form that shows on the next page.
  • Select your desired plan.
  • Click on the "Buy Now" button
  • A pop-up will show you the plan details and the additional riders information.
  • Click on the "Proceed to Buy" button.
  • Make an online payment, and the insurance company will send the policy documents to your registered email address.

Why Buy Care Health Plans From RenewBuy?

RenewBuy brings you the best deals on Care Health Insurance plans across the market. The key reasons for you to consider us are as follows:

Care Health Insurance Renewal Process

Care Health Insurance provides a simple and quick renewal process for care health insurance plans. Policyholders can also connect with our POSP advisors for Care health insurance renewal or follow the below four steps to renew Care health insurance plans. Also, Care Health Insurance has its in-house app, and policyholders can renew their Care health insurance plans through this in-house app.

  • Visit the official website of "Care Health Insurance".
  • Click on the" 'renewal" section.
  • Enter your existing policy details such as policy number, date of birth, etc.
  • Click on the 'Lets Renew' tab.
  • Pay your premium online and renew your care health insurance plans instantly.

Care Health Insurance Claim Process

Care Health Insurance offers two types of the claim settlement process, i.e. cashless claims and reimbursement claims. Have a look at the section below to know about both the claim processes in detail:

Cashless Claim Process

  • Intimate the insurance company within 48hr of hospitalization (24hr in case of emergency).
  • Fill in and submit the pre-authorization request form.
  • The hospital will then send all the documents for verification to the care health insurance company.
  • Once the document verification is done, the claim management team will send an approval letter to the hospital.
  • The hospital will then starts the cashless treatment of the policyholder.

Reimbursement Claim Process

  • Intimate the care health insurance within 48hr of hospitalization (24 hr in case of emergency).
  • Submit the claim form along with other relevant documents.
  • The claim management team of the company will verify the documents.
  • Once the verification is done, the care health insurance company will send the claim approval letter to the policyholder.
  • After 15 days, the claim amount will be reimbursed to your bank account.

Required Documents for Reimbursement Claim

  • Original duly filled and signed claim form
  • Authorized Photo-ID proof
  • Referral letter and prescription of the Doctor
  • Original bills, discharge cards, receipts from the hospital or medical practitioner
  • Original bills from pharmacy or chemists
  • Original pathological or diagnostic tests reports or radiology reports and their payment receipts
  • First Information Report (FIR) and final police report (if required)
  • Post mortem report
  • Any other document as required by the care health insurance company to assess the claim

Required Documents for Reimbursement Claim

You may contact the care health insurance using the below-mentioned information if you have any queries about Care Health Insurance plans:

Address: Care Health Insurance Limited (formerly known as Religare Health Insurance Company Limited), 5th Floor, 19, Chawla House, Nehru Place, New Delhi-110019

Email ID: customerfirst@careinsurance.com

Contact Number: 1800-102-6655/1800-102-4488 (Toll-free)