Care (Religare) Health Insurance Company Limited is a major insurance company that specialises in the distribution and servicing of various health insurance products. They also deal with other insurance products, such as travel insurance and car insurance.

Care (Religare) Health Insurance offers a wide range of policies and plans where the customers can tweak the requirements to receive the policy and plan as per their requirements. The proven track record, a comprehensive range of policies, and ease of online purchase make Care an ideal health insurance service provider in India.

There are many insurers in the market with various products. However, Care (Religare) Health Insurance has one of the most lucrative products such as Care (Religare) mediclaim and health insurance. They suit diverse policyholder needs for umbrella cover for the entire family.

The company offers a series of benefits to the insured, such as inpatient hospitalisation cover as per sum assured, pre-hospitalisation and post-hospitalisation cashless and reimbursement claim process, tons of daycare procedures covered, etc., bundled in its policies. These advantages of getting health insurance from Religare health insurance will let you enjoy your life without worrying to pay the hefty medical bills right when it matters the most.

Are you wondering which Care (Religare) medical insurance or Health Insurance to pick? Which policy will have what amount payable as premium? It’s not necessary to visit the insurance office to know the quotes. Care’s online portal has a handy premium calculator for this purpose. You can find out the applicable premium at any time, from any place using this powerful tool. Check the tool on the right hand frame of the site. As the tool suggests, you can get free insurance quotes in seconds.

Care (Religare) has a detailed premium calculator on its website that lets you check out the premium for every policy and plan, age, and other filters. All you need to do is feed in the total number of family members, number of children, expected sum insured, and tenure. With these details the tool will compute the approximate premium payable for the policy you have selected.

Care (Religare) health insurance has two modes of claim process where the individual must intimate the insurer about the hospitalisation within 24 hours (In case of an emergency) and 48 hours before admission if it is a planned hospitalisation. Following this, there are two procedures to follow for claim request and settlement, i.e. Cashless and Reimbursement.

• Cashless Claim Process:

  First, this is the cashless mode where the individual or insured must request the hospital and the insured and get a pre-authorisation form. Submit it duly as per the timeline provided and then send it to the hospital and/or the insurer as required.

   

  The next step is the approval where the insurer will send a request to the hospital regarding the cashless claim, after which the hospital will revert with the data required. Finally, after getting a positive nod post the Care (Religare) health insurance review and case assessment, the treatment is reimbursed by the insured. In the case of rejected application, the insured can apply for a reimbursement claim after the discharge.

• Reimbursement Claim Process:

  The individual has to request the claim intimation within 24 hours of admission. After discharge of the insured, it is their responsibility to send the application and the claim form for approval from the insurer and all the supporting documents and medical history and investigation papers. The Care (Religare) health claim status will be updated on its website and through email/SMS if needed.

   

  The insurer might ask for further investigation documents along with cross verification from the hospital and finally, the claim form will be passed or rejected for proper reasons.