Care Health Insurance Network Hospitals in India

Care health insurance, earlier known as the Religare health insurance, is a part of the Religare Group that was established in 1984. They offer products such as health insurance, maternity, personal accident, top-up coverage, critical illness coverage, group health insurance, etc. through an extensive network of 56 offices around the country with a strength of 2200+ employees. Care health insurance has a claim settlement ratio of 95.2% for the fiscal year of 2021, along with ongoing partnerships with more than 4900 leading hospitals around India.

The list of various health insurance plans offered by Care Health is given below:

• Care Health Care Insurance Plan
• Care Health Joy (Maternity and New-born) Insurance Plan
• Care Health Care Senior Health Insurance Plan
• Care Health Enhance Super Top-up Plan
• Care Health Care Freedom (Diabetes and Hypertension)
• Care Health Critical Mediclaim Policy
• Care Health Cancer Mediclaim Policy
• Care Health Heart Mediclaim Policy
• Care Health Care Heart Insurance Plan
• Care Health Arogya Sanjeevani Policy
• Care Health Operation Mediclaim Policy
• Care Health Secure Policy
• Care Health Corona Kavach Policy
• Care Health Care Advantage

Care Health Insurance Network Hospitals List in India

A policyholder of Care insurance can access cashless treatment quickly and easily without spending hours searching for the right hospital since the insurer has a pan-India presence. You simply need to be admitted to any hospital from the Religare health insurance hospital list to avail of cashless treatment. You don’t have to worry about paying large hospital bills and instead can focus on your recovery. This allows you to concentrate on getting the best possible treatment and recover fast, rather than worrying about hospital formalities.

To find your nearest care network hospital, all you have to do is choose your city on the care health insurance hospital list page at https://www.careinsurance.com/health-plan-network-hospitals.html. After you’ve made your selection, you will receive a complete Care health insurance cashless hospital list with addresses and directions.

For those who require it, there is a self-help portal at Carehealthinsurance.com/self-help-portal.html where you can update basic details. Also, you can contact the customer support department at 1800-200-4488 (Toll-Free) or email them at customerfirst@Carehealthinsurance.com for a list of hospitals covered under Religare health insurance.

Documents needed for the Cashless Insurance Claim

The most common reason an insurance claim could be denied is the lack of the necessary documents. While most of the claim settlement process is now digital, valid documents and reports are still required as India has not yet fully adopted digital documentation. The policyholder is not required to submit many documents for processing a cashless claim since they are usually handled by the hospital’s insurance desk. To start with the cashless claim settlement process, the hospital will need to get a few documents from your side, which are as follows: 

• KYC ID proofs (Aadhar Card, PAN Card, etc.)
• TPA cashless card/ Membership ID/ Number / Health insurance documents
• Completed and signed claim preauthorization form
• Letter of recommendation by a doctor for treatment, medical tests, hospitalization, etc.
• Diagnostic tests, medical reports, or any other documents/ reports that support your medical condition

Tips to Settle Cashless Claims Quickly

No matter what insurance plan you choose, make sure it offers cashless claims. A health policy without cashless claims may not be beneficial to you as a policyholder. It would lead you to pay hospital expenses out of your pocket each time. To avoid getting in such situations at any given point in time, here are some important tips that you need to follow:

Select a Network Hospital 

Cashless claims are only available if the hospital is on the insurance company’s network list. You won’t be eligible for cashless treatment if you choose a hospital that is not on the care hospital list. By opting for hospitalization in a non-network hospital, there are high chances for your insurance claim to get rejected by the insurance company. 

Notifying the TPA (or Insurer): 

Most health insurances have a third-party administrator (TPA). You need to inform your TPA as soon as you choose from the list of hospitals in Religare health insurance and decide on your hospital admission for the specified medical condition. Inform the third-party administrator about the details of your insurance coverage, TPA name, membership ID, or number at the hospital’s insurance desk and provide them with a pre-authorization form that is completed, signed, and faxed to the hospital.

Know the Exclusions and Inclusions

The policy document generally contains the list of services that are included in the cashless procedure. This will help you understand what’s included and excluded from the cashless treatment. OPD consultations, prescription bills, ambulance costs, and other medical expenses are not covered by most health insurance policies. These may be included depending on the plan that you may choose. Therefore, it is important to verify that the illness or condition you are claiming is covered by the policy and also by the care hospital. If not, then your claim may be denied.

Produce all the Required Proofs 

At the time of filling out the cashless pre-authorization form at the hospital, you must provide all your details along with any KYC documents. All valid documents must be attached to the claim form, including your cashless card, insurance policy, doctor’s report, diagnosis report, and other relevant documents. Lack of proper proof may also lead to a delay in approving the cashless claims.

Make Copies of all Submitted Documents

Even though your claim is cashless and you have submitted all the required documents, it is still important to keep the originals for your records. There are possibilities that the TPA or an insurer might approach you or ask for additional documentation. Having copies helps you respond to the officials correctly, rather than approaching the doctors or hospital.

The Conclusion:

It is a risk to take on your own life by not opting for a Care health insurance policy. However, it is more important to be clear about the network hospitals list and the claim settlement process after you have taken the policy. This will help you avoid spending too much time deciding the hospital at the last minute or getting admitted to a hospital, which is not present in the network list.