Care Health Insurance Reviews, Ratings, Best Plans and USPs

Care Health Insurance

Care Health is a specialized healthcare insurer that came to be in the year 2012. Their offerings include protection against personal accidents, critical diseases, top-up coverages, foreign travel insurance, maternity and more. From family insurance to individual insurance to group insurance for corporations – Care Health Insurance has something for everybody.

Care Health Insurance, now known as Care Health, always strives towards providing superior customer experience and support by leveraging effective technology, being innovative in their products and plans, and staying cost-effective in all their solutions. The company has renamed itself to Care Health Insurance, but the quality and reviews of products has stayed the same. The gamut of plans offered by Care Health Insurance are aimed at helping in meeting the medical expenses incurred on hospitalisation.

Moreover, the premium paid for these health insurance policies make you eligible for tax deductions as per Section 80D. One can claim a tax deduction of up to Rs. 25,000 (or Rs. 50,000 in case of senior citizens) for a premium paid for self, spouse and children. If the premium is being paid for parents, you’re eligible for an additional deduction of Rs. 25,000 (or Rs. 50,000 if parents are 60 years or above).

    About Care Health Insurance

    RCare Health Insurance, now known as Care Health, is one of the more trusted names in the healthcare insurance sector in India. This is a result of the trust they’ve earned over the years, along with an array of satisfied customers to back their offerings. 

    Here are some key benefits of choosing Care Health Insurance

    • Trust and experience
      With 10+ years of experience, Care Health Insurance has gained trust and praises from all over the country. 
    • Comprehensive hospital network
      Get the freedom to avail top notch treatment in 5420+ best healthcare services across the entire country.
    • Zero intermediaries
      Witness faster response time and feel at ease with Care Health Insurance. They eliminate all the intermediaries involved in the process, making it smooth and seamless for you. 
    • Best-in-class products
      Their products are truly designed keeping people in mind. You get benefits like flexibility in availing treatments, yearly checkups, and more - without any additional hassles! 
    • Quick turnaround time
      Care Health Insurance respects the time of their policyholders - especially in dire situations of crisis. Their turnaround time is quick, and cashless claim approvals happen in less than 2 hours (generally). 
    • Flexible sum insured
      Care Health Insurance respects the time of their policyholders. They offer a flexible option for sum insured, and also alternatives to choose deductibles up to sum insured of 60 lakhs.
    • No medical checkup required
      No medical check-up is required to avail Care Health Insurance plan for up to 45 years of age.
    • Lifelong renewability option
      Their policies come with a lifelong renewability option for you and eliminates various hassles that you’d otherwise have to go through. 

    Care Health Insurance specializes in providing healthcare insurance plans for individuals, corporates, and families. Their operating philosophy is based on the “customer-first” approach, and it is visible in their different offerings as well. They have been named the ‘Best Health Insurance Company’ at the ABP News-BFSI Awards & ‘Best Claims Service, Leader of the Year Insurance India Summit & Awards. 

    Care Health Insurance has also conferred the ‘Best Medical Insurance Product Award’ at The FICCI Healthcare Awards and received the ‘Editor’s Choice Award for Best Product Innovation’ at Finnoviti. Further, their plans enjoy a rating of 4.4/5 on Policy Bazaar and 4.3/5 on InsuranceDekho, thereby giving an indication of their efficiency and customer satisfaction. 

    Care Health Insurance primarily deals with Healthcare insurance policies. They have a lot of plans and offerings within the health insurance banner to help you make the right choice. Whether you’re looking for individual insurance or group insurance, for your family or for your office - Care Health Insurance has something for everyone. 

    Care Health Insurance Plans

    Health insurance plans provide financial security for health care, whether in the form of regular check-ups, or for specific critical illnesses. Religare Health Insurance plans help you protect your savings from being spent on healthcare expenses, medical bills, hospitalization charges, and whatnot. They provide you financial support during emergencies through cashless treatments and quick settlement processes.

    Here are the various plans offered by Religare Health Insurance

     

    Name

    Entry age

    Tenure of the plan

    Sum insured 

    Waiting period 

    Care

    91 days onwards

    1 - 3 years

    Rs. 4L -  Rs. 6C

    2 years

    Care Freedom

    For adults – 18 years (Plan 1) and 46 years (Plan 2)


    For children - 90 days to 24 years

    1 - 3 years

    Rs. 2L - Rs. 10L

    2 years

    Care Heart

    18 years onwards

    1 - 3 years

    Rs. 2L - Rs. 10L

    2 years

    Enhance

    For adults - 19 years +


    For children - 5 years to 24 years

    1 - 3 years

    Rs. 1L - Rs. 40L

    4 years

    Joy 

    For adults - 18 years to 65 years


    For children -  1 day to 24 years

    Joy Today - 3 years

    Joy Tomorrow - 1 to 3 years

    Rs. 3L and Rs. 5L respectively

    4 years

    Secure

    For adults - 18 years to 70 years


    For children -  91 days to 24 years

    1 - 3 years

    Rs. 1L - Rs. 25C

    N/A

    Super Mediclaim

    For adults - 18 years +


    For children - 91 days +

    1 - 3 years

    Rs. 1L - Rs. 6C

    4 years

    Assure

    18 years to 65 years

    1 - 3 years

    Rs. 1L - Rs. 25C

    N/A

    Arogya Sanjeevani Policy 

    For adults - 18 years to 65 years


    For children -  91 days to 24 years

    1 year

    Rs. 1L - Rs. 5L

    4 years

    Corona Kavach

    For adults - 18 years to 65 years


    For children -  91 days

    3.5 months, 6.5 months, or 9.5 months

    Rs. 50,000 - Rs. 5L

    15 days

    Care Advantage 

    For adults - 18 years + 


    For children -  91 days +

    1 to 3 years

    Rs. 25L - Rs. 6C

    4 years

    COVID Care 

    For adults - 18 years to 70 years


    For children - 91 days to 24 years

    1 year

    Rs. 3L - Rs. 10L

    15 days

    Care

    A comprehensive health insurance plan to meet the needs of both families and individuals. Key features of the Care plan include: 

    • Up to Rs. 6C from the total sum insured with the lifetime renewal option for the policies. 
    • Automatic recharge of the sum insured in case the coverage begins to exceed the originally set amount. 
    • Twelve critical ailments covered.
    • Freedom to include riders as per your requirements. 

    Care Freedom

    Care Freedom is to help everyone meet their medical requirements - irrespective of their age. Some core features of Care Freedom include: 

    • 2-year waiting period if you require to include some already existing ailments.
    • Auto refill of the sum insured, if the default coverage gets exhausted. 
    • Yearly medical check-ups for all, irrespective of claims track record. 

    Care Heart

    A coverage plan for people with heart ailments. The scope of Care Heart, however, is not just restricted to cardiac treatments. Here are some key features: 

    • Covers other treatments beyond just cardiac cases - alternative treatments are subjected to a maximum limit of 25% of the total sum insured.
    • Automatic recharge if the cover is exhausted.
    • Increase of up to 50% of sum insured in case of claim-free years.
    • Yearly checkups for any heart-related issues or ailments.

    Enhance

    This is a plan to help you enhance your health insurance. So, if you have opted for an Rs. 10L sum insured with a deductible of 1L, then, in case of emergency, you’ll need to bear just 1L while the insurer provides additional cover of Rs. 10L (over the deductible amount). Features include: 

    • Yearly health check-ups for policy holders regardless of their history of claims. 
    • Global medical treatments facility with Enhance from anywhere. 
    • No limit on surgery fees, doctor’s charges, ICU costs, and more. 

    Joy

    This plan by Religare Health falls in the perfect place between newborn baby cover and maternity cover - in addition to health insurance. The Joy plan offers two variants - Joy Today and Joy Tomorrow. The core features include:

    • 9 Months (Joy Today) and 24 Months (Joy Tomorrow) waiting period -  in the case of prenatal as well as postnatal costs. 
    • Covers any medical expenses required for the treatment of the newborn - including congenital defects and more. 
    • Ability to include additional covers to such as increasing the sum insured as a No Claim Bonus.

    Secure

    This policy is comprehensive, and covers your personal accident cases. Some key features of the Secure plan include: 

    • Covers permanent disablement, accidental death, temporary disablement, burns, fractures, critical tests, and more.
    • Covers children’s education. 
    • Nursing and mobility cover. 
    • Disappearance cover.

    Super Mediclaim

    These plans focus on some critical diseases or healthcare procedures. The plan includes different contract-based healthcare products:

    • Cancer Mediclaim
      Covers all major Cancers. Both hospitalization and critical therapies (like radiotherapy and chemotherapy) costs are covered under it. 
    • Heart Mediclaim
      Covers the treatment costs for more than 15 critical heart diseases. 
    • Critical Mediclaim
      Comprehensive coverage for more than 30 critical diseases including cancer, surgeries, cardiac ailments, accidental death, and more. 

    Care Assure

    Care Assure is a fixed benefit plan that covers both personal accidents as well as various critical illnesses. Key features include: 

    • Lump sum payment made against the sum insured for more than 20 critical illnesses.
    • Coverage against permanent total disablement and accidental death is available.
    • Child Education benefit offered in the form of l10% (lump sum) of the total sum insured in case of any crisis in the form of critical care, disability, or accidental death.
    • Yearly health checkups offered, without you having to pay any extra amount. 

    Arogya Sanjeevani Policy

    This is a holistic health insurance policy that provides basic coverages at decent premium rates. Some features include: 

    • Cataract treatments covered by up to 25% of the sum insured.
    • Coverage for AYUSH treatments up to the sum insured.
    • Coverage for various technologically advanced, modern techniques for up to 50% of the sum insured. 

    Corona Kavach Plan

    This plan focuses on COVID-related medical expenses or hospitalization costs. The key features of Corona Kavach Plan include: 

    • Short-term plan that offers coverage tenure for less than 12 months. 
    • Complete coverage for home care or quarantine costs, or in case of hospitalization during COVID. 
    • No room rent limits or deductibles are applicable under the policy 

    Care Advantage

    Care Advantage comes with a holistic scope that it offers for covering various crises. This policy is specifically for those seeking a high-value cover. Key features of Care Advantage include: 

    • No limit for ambulance costs that you’ll need to incur. 
    • Annual increase in sum insured by 10% if no claim has been made in that year. The upper limit for this increase is 50%.
    • Includes optional coverage features to help you customize your plans as per your needs. 

    COVID Care

    This has been developed by Religare for tackling COVID-related cases, and is an indemnity health insurance policy. Key features include: 

    • COVID care comes in two variations - either Plus or Advantage.
    • The Advantage plan covers OPD expenses as well. 
    • Daily up to 1% of the total sum insured can be claimed for any medical expenses to be borne during the period of quarantine. 

    Best Policies of Religare Health

    Name

    Entry age

    Tenure of the plan

    Sum insured 

    Waiting period 

    Care Freedom

    For adults – 18 years (Plan 1) and 46 years (Plan 2)


    For children - 90 days to 24 years

    1 - 3 years

    Rs. 2L - Rs. 10L

    2 years

    Joy 

    For adults - 18 years to 65 years


    For children -  1 day to 24 years

    Joy Today - 3 years

    Joy Tomorrow - 1 to 3 years

    Rs. 3L and Rs. 5L respectively

    4 years

    Super Mediclaim

    For adults - 18 years +


    For children - 91 days +

    1 - 3 years

    Rs. 1L - Rs. 6C

    4 years

    Arogya Sanjeevani Policy 

    For adults - 18 years to 65 years


    For children -  91 days to 24 years

    1 year

    Rs. 1L - Rs. 5L

    4 years

    Corona Kavach

    For adults - 18 years to 65 years


    For children -  91 days

    3.5 months, 6.5 months, or 9.5 months

    Rs. 50,000 - Rs. 5L

    15 days

    COVID Care 

    For adults - 18 years to 70 years


    For children - 91 days to 24 years

    1 year

    Rs. 3L - Rs. 10L

    15 days

    Other Insurance Companies

    Care Health Insurance FAQs

    1. What is the claim and reimbursement process for Religare Health Insurance?

    For making claims, you’ll need to complete the form and submit the requirement documents at the network hospitals. Some of the documents that may be required are prescriptions, bills, discharge summary, etc. You might have to answer a few queries raised by the management team before you’re issued the letter. If the claim is rejected, you’ll be told the reasons by the team.

    For reimbursement,

    You have to inform Care Health Insurance within 24 hours of the admission in case of emergencies.
    In the event of planned emergencies, the company must be notified 48 hours prior to the hospitalisation.
    The claim intimation can be done via Care’s toll-free number
    The same could also be e-mailed to customerfirst@careinsurance.com

    2. How many claims have been served by Religare Health Insurance till date?

    As of 2021, more than 4.7L claims have been settled by the Religare Health (now known as Care Health) Insurance.

    3. Filing of a claim needs to be done within how many days?

    For reimbursement purposes, you’ll need to file the claim within 15 days of being discharged from the hospital or healthcare facility.

    4. Is there any limit on the number of claims that can be made by the policyholders?

    No, there’s no limit on the number of claims. You can claim as many claims as you require. However, the total amount of various claims shouldn’t exceed the sum insured amount under the plan.

    5. How much time is required by Religare Health to settle the claims?

    Generally the claims are settled within 7 working days - from the receipt of the last required document. In any case, the claim settlement process doesn’t take more than 30 days.

    6. What is the meaning of cashless hospitalization?

    This is when you don’t need to pay any money for treatments/tests/surgeries or anything at a hospital. Religare Health Insurance provides cashless hospitalisation at 8,250+ network hospitals across India and abroad.

    7. Are there any tax benefits that I can avail by using the Religare Health Insurance plans?

    Like we mentioned earlier, the premiums paid for Religare Health Insurance policies qualify for a tax deduction under section 80D. You can claim a deduction of up to Rs. 25k (or Rs. 50k in case of senior citizens) for a premium paid for self, spouse, and children. In case you’re paying the premium for parents, you’re eligible for an additional deduction of Rs. 25k (or Rs. 50k if parents are greater than 60 years of age).

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