What is Care Health Insurance?

Care Health Insurance is a leading Indian health insurer offering a wide range of plans for individuals, families, senior citizens, and corporates. It focuses on complete financial protection during medical emergencies along with wellness benefits.

What is the claim settlement ratio of Care Health Insurance?

Care Health Insurance has an impressive claim settlement ratio of over 96%, reflecting its reliability and customer-centric approach.

How many network hospitals does Care Health Insurance have?

Care Health Insurance has over 19,000 network hospitals across India, ensuring easy access to cashless treatment nationwide.

Are Care Health Insurance plans tax-deductible?

Yes, premiums paid under Care Health Insurance plans qualify for tax benefits under Section 80D of the Income Tax Act.

Can Care Health Insurance be purchased online?

Yes, you can buy Care Health Insurance online through the official website, mobile app, or with the help of an insurance advisor.

What plans does Care Health Insurance offer for families?

Family floater plans allow multiple family members to share one sum insured, covering spouses, children, and dependent parents.

Does Care Health Insurance cover maternity and newborn expenses?

Yes, select plans cover maternity, delivery, prenatal, postnatal care, and newborn medical needs after applicable waiting periods.

What is the Care Health Super Top-Up plan?

The Super Top-Up plan provides additional coverage at a lower premium, activating only after your base policy limit is exhausted.

Are pre-existing conditions covered?

Yes, most Care Health Insurance plans cover pre-existing conditions after the specified waiting period, ensuring protection for chronic illnesses.

Does Care Health offer coverage for modern and alternative treatments?

Yes, plans include advanced procedures like chemotherapy, robotic surgeries, stem cell therapy, and traditional treatments under AYUSH (Ayurveda, Yoga, Unani, Siddha, Homeopathy).

How can I file a cashless claim?

A1. Visit a network hospital, inform Care Health or TPA before admission, provide your health card and ID, and the hospital will coordinate directly with Care Health for pre-authorization

How do reimbursement claims work?

A2. Pay hospital bills if it’s a non-network hospital, submit original bills, prescriptions, and discharge summaries along with the claim form to Care Health. Approved expenses will be reimbursed to your bank account.

What is the Cashless Anywhere feature?

A3. This feature allows cashless treatment even at non-network hospitals in India. You simply notify Care Health before admission, and they handle the settlement directly with the hospital.

How fast are claims processed?

A4. Pre-authorization for cashless treatment is often completed within 1 hour, ensuring quick access to medical care. Reimbursement claims depend on the completeness of submitted documents.

Can I get coverage for multiple hospitalizations in a year?

A5. Yes, plans like Super Top-Up or Freedom Plus allow coverage for multiple hospitalizations after the deductible limit is met.

How do I buy a Care Health Insurance plan?

A1. Connect with Care Health via website, app, customer helpline, or branch. Share your KYC and basic health details, get personalized plan suggestions, make payment, and receive your e-policy instantly.

How can I renew my Care Health Insurance policy?

A2. Renew via website, mobile app, or customer support. You’ll receive reminders 60, 30, 15, 7, and 1 day(s) before expiry to avoid gaps in coverage.

What is the grace period for renewal?

A3. Care Health provides a grace period after policy expiry, allowing renewal without losing continuity benefits or requiring fresh medical underwriting.

Can I upgrade my coverage at renewal?

A4. Yes, you can increase your sum insured, add family members, or modify benefits during renewal to match your current health and lifestyle needs.

Is policy renewal hassle-free?

A5. Yes, Care Health offers online and offline renewal options with minimal paperwork, ensuring uninterrupted protection and convenience for policyholders.

OneAssure

Health Insurance

Care

Health Insurance Plans

Care Health Insurance Plans

Get a Quote

96%

Claim Settlement Ratio

19,000+

Network Hospitals

6.8

Overall Rating

Care

Our Verdict About Care Health Insurance

Care Health Insurance is among India’s most trusted and customer-oriented insurers, offering a wide range of comprehensive plans for individuals, families, and senior citizens.

What We Like

User-friendly digital platform for policy management and renewals.

Includes AYUSH treatments and wellness benefits.

Fast and transparent claim settlement process.

“Cashless Anywhere” feature ensures smooth access to treatment.

Broad selection of plans for all age groups and needs.

Areas of Improvement

Renewal premiums may rise with age and claim history.

Customer support wait times may increase during peak periods.

Claim experience can vary slightly across network hospitals.

Some add-ons and features are limited to top-tier variants.

Premiums for higher-sum insured plans can be on the higher side.

What We Like

User-friendly digital platform for policy management and renewals.

Includes AYUSH treatments and wellness benefits.

Fast and transparent claim settlement process.

“Cashless Anywhere” feature ensures smooth access to treatment.

Broad selection of plans for all age groups and needs.

Areas of Improvement

Renewal premiums may rise with age and claim history.

Customer support wait times may increase during peak periods.

Claim experience can vary slightly across network hospitals.

Some add-ons and features are limited to top-tier variants.

Premiums for higher-sum insured plans can be on the higher side.

Final Verdict

Care Health Insurance is one of India’s most reliable and customer-focused health insurance providers. It offers an impressive range of plans tailored for individuals, families, and senior citizens who seek complete health protection and digital convenience. The company stands out for its transparent claim processes, fast approvals, and nationwide accessibility....

Care Health Insurance is one of India’s most reliable and customer-focused health insurance providers. It offers an impressive range of plans tailored for individuals, families, and senior citizens who seek complete health protection and digital...

Care Health Insurance Plans

Senior	Advantage	Joy Tomorrow
Freedom	Supreme Enhance One	Supreme Enhance Two
Ultimate	Care	Heart
Classic	Supreme

Senior

Advantage

Joy Tomorrow

Freedom

Supreme Enhance One

Key Features

Top Product Highlights

Compare the features of the top health insurance products to find the perfect plan for your needs.

Product Name	Room Rent	Coverage Options	Restoration Benefit
Advantage	All room categories are covered	Available coverage options: ₹25L, ₹50L,₹1Cr, ₹2Cr, ₹3 Cr, ₹6 Cr	Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses
Joy Tomorrow	Single Private AC room covered	Available coverage options:	Not Available
Joy Today	Single Private AC room covered	8000+ Healthcare Providers	Not Available
Supreme Enhance One	Normal: No limit on room rent. ICU: No limit on ICU charges.	Available coverage options: 20L to 1cr	Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses
Supreme Enhance Two	Normal: Single private room ICU: No Limit	Available coverage options: 20L to 1cr	Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses
Ultimate	All room categories are covered	Available coverage options: ₹5L, 7L, 10L, 15L, 20L, 25L, 50L, 1 Cr	Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses
Care	Single private AC room is included as part of base cover	Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹30L, ₹40L, ₹50L, ₹60L, ₹75L	Yes, your sum insured restores to 100% once every policy year
Heart	Up to ₹3 L sum insured – 1% of Sum Insured per day Above ₹3 L sum insured – Single Private Room	Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L	Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only
Supreme	All room categories are covered	Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹25L, ₹50L and ₹1 Cr	Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses
Advantage	All room categories are covered	Available coverage options: ₹25L, ₹50L,₹1Cr, ₹2Cr, ₹3 Cr, ₹6 Cr	Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses
Joy Tomorrow	Single Private AC room covered	Available coverage options:	Not Available
Joy Today	Single Private AC room covered	8000+ Healthcare Providers	Not Available
Supreme Enhance One	Normal: No limit on room rent. ICU: No limit on ICU charges.	Available coverage options: 20L to 1cr	Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Care

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

Why Choose Care Health Insurance Plans?

Flexible Plans for Everyone

Options for individuals, families, and senior citizens, so you can pick coverage that fits your needs and budget.

Nationwide Cashless Access

Get treatment at thousands of hospitals across India without worrying about upfront payments.

Quick and Transparent Claims

Streamlined claim process ensures faster approvals and minimal hassle during emergencies.

Preventive Health and Wellness

Many plans include AYUSH treatments, annual health check-ups, and wellness rewards to support your overall well-being.

Digital Convenience

Easily manage policies, renewals, and claims online or through the app, saving time and effort.

Reliable and Customer-Focused

Care Health Insurance is known for consistent service, strong support, and trustworthy claim settlement.

Flexible Plans for Everyone

Options for individuals, families, and senior citizens, so you can pick coverage that fits your needs and budget.

Nationwide Cashless Access

Get treatment at thousands of hospitals across India without worrying about upfront payments.

Quick and Transparent Claims

Streamlined claim process ensures faster approvals and minimal hassle during emergencies.

Preventive Health and Wellness

Many plans include AYUSH treatments, annual health check-ups, and wellness rewards to support your overall well-being.

Digital Convenience

Easily manage policies, renewals, and claims online or through the app, saving time and effort.

Reliable and Customer-Focused

Care Health Insurance is known for consistent service, strong support, and trustworthy claim settlement.

Documents Required

ID Proof

You can use your Aadhaar card, PAN card, or passport.

Address Proof

A voter ID or any recent utility bill will work.

Age Proof

You can give your birth certificate or driving licence.

Photographs

A few recent passport-size photos are needed.

Income Proof

This is required only if you choose a high coverage amount.

ID Proof

You can use your Aadhaar card, PAN card, or passport.

Address Proof

A voter ID or any recent utility bill will work.

Age Proof

You can give your birth certificate or driving licence.

Photographs

A few recent passport-size photos are needed.

Income Proof

This is required only if you choose a high coverage amount.

Care

Claim Settlement Process

Quick and hassle-free claim settlement with dedicated support to ensure timely approvals and smooth hospital experiences

1-5 of 7 Process

Care

Renewal Process

Easily renew your policy online or offline to enjoy uninterrupted health coverage

1-5 of 6 Process

Care Network Hospitals

19,000+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

19,000+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

Care

Features Comparison

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Care

Need help finding the right health plan?

Our experts offer personalised recommendations tailored to your age, family size, and health profile, ensuring you select the ideal coverage

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.