Care Health Insurance (Formerly Religare): Plans, Claim Settlement Ratio, Network Hospital List & Renewal

Care Claim Settlement Ratio

100%

Care

94.21%

Industry Average

Health claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. Care has a claim settlement ratio of 100%, as compared to the industry average of 94.21%.

Know More About Care Claim Settlement

Care Health Insurance Plans Overview

Care health insurance offers 6 health insurance plans. The premium of these plans starts from Rs. 6570/yr. The sum insured ranges from Rs. 1 Lakh - 75 Lakh. Details of the comprehensive coverage provided by the following 6 Care health insurance plans are listed below:

Care Care Policy

Starting Premium- NA

Care Health Insurance's Care is a comprehensive health insurance plan with wide range of Sum assured levels. The plan has some unique coverage features like auto restoration of Sum Assured, alternative treatments (AYUSH) benefit, free health check-up for all insured members, etc. The plan also has a host of optional coverage features like unlimited recharge benefit and no claim bonus booster.

No disease wise sub-limit and Single Private Room allowed (for SI 5 lakhs and above)
Covers non-allopathic treatments like Ayurveda, Homeopathy, Unani & Sidha up to a speciﬁed limit & varies with plan chosen
Comes with an In-built maternity cover of up to INR 1 Lakh available with sum insured options of INR 50, 60 & 75 Lakhs with low waiting period of 2 years
Automatic recharge of Sum Insured if claim amount exhausts your coverage (this feature can be availed unlimited times by availing 'Unlimited Automatic Recharge (Optional Cover))'
Covers more than 540 day care treatments
No upper-limit entry age for any of our plans
Up to 150% increase in Sum Insured with No Claim Bonus and No Claim Bonus Super(Optional Cover) in 5 consecutive claim free years

Eligible Age

91 days onwards

Coverage

5 Lakh - 75 Lakh

Care Enhance Policy

Starting Premium- 6,570/Yr

Care Health Insurance's Enhance is a Super Top-up health plan. The main aim of the plan is to provide a supplemental Sum Assured coverage at very low premiums thus enhancing the coverage level of individuals. Thus, the plan allows a high level of Sum Assured along with other inbuilt benefits

Eligible Age

18 years onwards

Coverage

1 Lakh - 55 Lakh

Care Freedom Policy

Starting Premium- NA

Care Freedom is a specialized Health Insurance plan for diabetes, high BP and high BMI patients. Presenting the freedom to get Health Insurance Coverage without worrying about your current health status. This plan of Care Freedom offers you the liberty to lead the life of your choice and stay worry-free, always.

1. Companion Benefit: Insurer will pay lumpsum amount in a policy year if insured member is admitted to a hospital for more than 10 days
2. Dialyisis cover: In-built cover providing dialysis expenses of upto Rs 1,000 per sitting for 24 consecutive months

Eligible Age

90 days onwards

Coverage

3 Lakh - 10 Lakh

Learn More

View All Plans

Top Features From Care Health Plans

Key Features of Religare Care Health Insurance Plan

Up to Rs. 6 Crores of the sum insured with the option to renew the policy throughout the lifetime of the policyholder
Wide network of more than 16,500 healthcare providers spread across the country
No pre-requisite of medical checkups – for cases wherein the sum insured is below Rs. 25 lakhs and the age of the insured is not above 50 years
The facilityy of auto recharge of sum insured if the claim amount exceeds the coverage. This is done at zero additional cost
Worldwide cover for 12 critical ailments
Additional benefits for NCB (No Claim Bonus) such as 1.5x sum insured
Preventive health checkups on an annual basis, irrespective of claim history
Hassle-free and cashless claim settlement. It has the best settlement ratio (92%) in the industry
Covers expenses incurred during organ donation
Covers non-allopathic treatments including Ayurveda, Homeopathy, Unani and Sidha
Flexibility to add riders as per one’s needs. For example,air ambulance cover, international second opinion

Exclusions Across Care Health Plans

Policy Exclusions of Religare Care Health Insurance Plan

Any diagnosis or surgery whose symptoms are first seen within the waiting period i.e. 30 days of the start date of the Care policy.
Expenses due to any injury inflicted by self, including attempted suicide
Expenses due to consumption or usage of alcohol, drugs or other such substances
Treatment of venereal diseases such as AIDS 5) Birth or congenital disease
Maternity related expenses. It includes miscarriage, abortion, childbirth, infertility treatment and in vitro fertilization
Hospitalization expenses as a result of war, communal riots, strikes, nuclear attacks, etc.

Care Premium Calculator

Use the Care health insurance premium calculator to estimate your health insurance premiums.

Premium Calculator

Enter just a few details to calculate your health insurance premium within 30 seconds.

Care Cashless Network Hospitals

Care has a network of 4048 cashless hospitals across India. To find the nearest Care health insurance network hospital, enter your location.

Delhi

Mumbai

Pune

Hyderabad

Bangalore

Chennai

Kolkata

Ahmedabad

Check All Care Network Hospitals

Care Customer Care

Customer Care Number

8860 4024 52

Email ID

https://www.careinsurance.com/

Care Claim Process

Care supports both cashless claims and reimbursement claims. This section covers the information on how to check Care health insurance claim status, fill Care health insurance claim form, and the claim settlement process.

To locate the nearest cashless network visit https://www.careinsurance.com/health-plan-certified-network-hospitals.html ordownload the Care Health-Customer App by clicking here https://bit.ly/3iI2ZfJ
Contact hospital insurance help-desk or billing counter with a copy of patient’s medical ID card, e-health card, pre-authorization form along with valid Govt. ID proof.You can easily access your e-card anytime, anywhere by downloading the Care Health-Customer App
Submitted documents are shared by the billing counter/TPA desk with us, seeking pre-authorization approval
In case any information is incomplete/missing; we may contact hospital for the same
Pre-authorization decision will be given by us post review as per policy terms and conditions
Post treatment discharge summary and other related documents are submitted by the hospital/TPA to us for final approval
We assess the bills basis the sum insured and plan terms & conditions to settle the bill directly with the hospital

You can register your claim online by scanning & uploading the claim documents at the Care Health Insurance ‘Self-Help Portal’ Link-https://www.careinsurance.com/self-help-portal.html or download the Care Health-Customer App to be able to do the same
As per the product you are insured with, download the re-imbursement claim form & submit online or download the Care Health-Customer App to be able to do the same
Upload a personalized name printed cancelled cheque in name of employee for corporate policy and in name of proposer for individual policy
In event of employee’s/proposer’s demise – cancelled personalized cheque (name printed) of nominee, ID proof of nominee & legal heir certificate
You are requested to scan & upload the following documents received from your hospital. Also submit additional documents, if any.

Original discharge summary
Original final hospital bill with item wise break-up
Original paid receipt against the final hospital bill

For Accidental cases

MLC/FIR copy (if applicable)
Alcohol history (if applicable)
Investigation reports (like X-Ray/MRI/CT Scan etc)
Attested copy of indoor case papers
In case of implant surgery, invoice & sticker
For all claims amounting Rs.1 lakh or above please provide copy of any one of these

KYC documents (Aadhaar Card, Passport, Driving Licence Voter ID, etc). Please ensure
that the address on KYC documents is matching with the Policy address

Care Health Insurance Renewal Process

Renewal Process of Care Health Insurance
Generally, a health insurance policy stays active for 1 year after which it requires renewal. However, there are plans which offer 2 to 3 years of validity at extra costs. If a health insurance policy is not renewed on time, it lapses and the policyholder loses all the accumulated benefits. Most insurers offer a renewal window of 7-30 days beyond the policy tenure called a grace period to renew the plan and to protect the continuity benefits of No Claim Bonus (NCB) and waiting period.

Here, you may also note that for every claim-free year, Care Health insurance policyholders can avail of an NCB of up to 100% on the sum insured. Thus, policyholders who haven’t raised a claim during the previous policy term can expect a reward in the next renewal in the form of a boost in the coverage bandwidth without an increase in the premium price.

The renewal process of a Care Health insurance policy is very simple and can be done easily online by following the below steps:

Go to the official portal of Care Health Insurance Company for Care Health policy renewal
Now, click on the ‘renew’ policy section and submit the mandatory fields like Policy Number, Contact Number, and Date of Birth
Submit the captcha and click on the Care Health ‘Renew’ Policy button
Now make the online payment of the renewal premium
You will receive the documents of your policy renewal on your registered email ID