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.

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Health Insurance Plans

Care Health Insurance Plans

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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

Senior Health Advantage

Supreme Shine

Supreme

Supreme Value for Money

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
Senior	Room rent is covered up to the sum insured, subject to the applicable room-category terms of the plan.	Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L.	Yes, your sum insured is automatically recharged by an amount equal to the opted sum insured, unlimited times during the policy year, for related or unrelated illnesses.
Senior Health Advantage	The uploaded brochure specifies a twin-sharing room. Check the current policy schedule for the applicable room category and any optional modification.	Individual cover for up to 6 members aged 60 or above, or a family floater for 2 adults, subject to the policy’s eligibility rules.	The uploaded March 2024 brochure does not establish unlimited automatic recharge as a base benefit. The current product page describes a one-time 100% sum insured recharge per policy year. Do not label it unlimited without confirmation in the current wording.
Supreme Shine	Single room covered up to the available Sum Insured	Sum Insured options from ₹5 lakh to ₹1 crore, including higher coverage choices	Unlimited automatic recharge restores the base Sum Insured during the policy year
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
Supreme Value for Money	Room eligibility is restricted under the Value for Money variant. The applicable room category and any associated claim deductions must be considered when choosing hospital accommodation.	Individual coverage and family floater coverage are available under the Care Supreme product. Value for Money eligibility and sum insured options may be narrower than those of the broader product.	Unlimited automatic recharge reinstates the base sum insured multiple times during the policy year for eligible related and unrelated illnesses, subject to the applicable terms.
Supreme Super Saver	Room rent is covered up to the sum insured, subject to the policy’s room eligibility and applicable terms.	Individual cover for up to 6 persons or family floater cover for up to 2 adults and 2 children, subject to eligibility.	Unlimited Automatic Recharge is available for related and unrelated illnesses, including repeated use for the same illness, subject to policy terms.
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 Today	Single Private AC room covered	8000+ Healthcare Providers	Not Available
Joy Tomorrow	Single Private AC room covered	Available coverage options:	Not Available
Joy	Covers a Single Private Room with AC. A higher room category means room, boarding, nursing, OT and doctor/surgeon fees are reduced in proportion to the difference in room rent.	Sum insured of ₹3 lakh or ₹5 lakh, on an Individual or Family Floater basis. Policy term is 3 years. Entry age is 18 to 65 years for adults, 1 day to 24 years for children, and 1 day to 90 days for newborns. Lifelong renewability. Maternity cover is available only for insured women aged 45 or below.	Not available. Once the sum insured is used, it is not restored within the same policy year. The optional No Claim Bonanza is a bonus for claim-free years, not a restoration benefit.
Freedom	For ₹3 lakh and ₹5 lakh sum insured options, room rent is restricted to twin-sharing accommodation, subject to the applicable limit. For ₹7 lakh and ₹10 lakh options, single private room is covered.	Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L.	Yes, the base sum insured is automatically recharged by 100% upon exhaustion, subject to the policy terms. The recharged sum insured can be used for future claims.
Enhance Super Top-up Two	Single private AC room, with upgrading to the next room category permitted .	Sum insured options of ₹30 lakh, ₹35 lakh, ₹40 lakh, ₹45 lakh, ₹50 lakh and ₹55 lakh, subject to available deductible combinations.	No standard restoration benefit.
Enhance Super Top-up One	The documented Enhance 1 offering provides eligibility for a single private room. It does not include the next-category room upgrade advertised for Enhance 2. Choosing a room outside the permitted category may affect claim payment under the applicable policy terms.	Sum insured ranges from ₹1 lakh to ₹30 lakh in ₹1 lakh multiples. Individual and family floater arrangements are available, subject to the insurer's eligibility rules and permitted deductible/sum-insured combinations.	An automatic restoration benefit is not established as a standard benefit in the documented Enhance 1 schedule. Do not assume that the sum insured replenishes automatically after a claim.
Enhance Super Top-up	Single private AC room eligibility, with room-category conditions varying by Enhance option. Check the schedule for the selected option before admission to avoid room-related deductions.	Available on an individual and family floater basis. The plan offers Enhance 1 and Enhance 2 options with different sum insured and deductible combinations. The maximum sum insured is ₹55 lakh.	Unlimited automatic recharge is listed on the insurer's current product page. The sum insured can be recharged by an amount equal to the selected sum insured, multiple times in a policy year, subject to policy conditions.
Supreme Senior Premium	Most economical single private air-conditioned room; optional Room Rent Modification may change eligibility.	₹7 lakh, ₹10 lakh, ₹15 lakh and ₹25 lakh sum insured options.	Unlimited automatic recharge for subsequent claims, including the same or unrelated illnesses, subject to policy terms.
Supreme Senior Super	Most economical single private AC room; optional Room Rent Modification may change eligibility.	₹7 lakh, ₹10 lakh, ₹15 lakh and ₹25 lakh listed in the main plan-benefits table.	Unlimited automatic recharge for subsequent claims involving the same or different illnesses, subject to policy terms.
Supreme Senior Health AdvantEdge	Most economical single private AC room. An optional room-rent modification benefit is mentioned.	Individual and family floater; sum insured options of ₹7 lakh, ₹10 lakh, ₹15 lakh and ₹25 lakh.	Unlimited automatic recharge for eligible subsequent claims, including the same or different illnesses, subject to policy terms.
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
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
Supreme Enhance	Eligible room rent is covered up to the most economical single private room category, subject to policy terms.	Individual and family floater options are available for eligible family members.	Unlimited automatic recharge of the sum insured during a policy year for eligible related or unrelated illnesses, subject to policy terms.
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	Single private AC room included in base; twin sharing and general rooms available	₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹30L, ₹40L, ₹50L, ₹60L, ₹75L.	Yes, restores to 100% once per policy year for all claims.
Supreme (Direct)	Full coverage for ICU and normal room charges up to SI.	Multiple SI options available (varies by plan).	Unlimited restoration benefit available.
Heart	Up to ₹3 L sum insured – 1% of Sum Insured per dayAbove ₹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
Classic	Single Private A/C Room for SI ≥ ₹5 lakh.	Individual or Family Floater	Standard No-Claim Bonus.
Super Mediclaim	Room eligibility depends on the sum insured and applicable variant. The official overview lists a single private room for certain sum insured levels and all room categories for higher eligible sum insured levels. Check the current policy schedule for the precise entitlement.	Available variants include Critical Mediclaim for specified critical illnesses, Cancer Mediclaim for cancer, Heart Mediclaim for specified heart-related conditions and Operation Mediclaim for defined surgical procedures.	Automatic recharge may be available as an optional benefit under applicable product versions. It should not be described as a standard or unlimited benefit unless confirmed in the current policy schedule.
Plus Youth	For sum insured below ₹5 lakh, room rent is limited to 1% of the sum insured per day. For sum insured of ₹5 lakh or above, the brochure lists a single private AC room.	Available as individual or family floater cover, with annual sum insured options listed from ₹3 lakh to ₹25 lakh. The brochure lists several family combinations.	Unlimited Automatic Recharge is included as a listed base benefit. It can replenish the sum insured for eligible claims, subject to the policy’s recharge conditions.
Plus	Normal: eligible to opt for a single A/C room or any low category room. ICU: No limit, the plan will cover the entire costs without restrictions	Deductible options are available as optional choices, including ₹1 lakh, ₹2 lakh, ₹3 lakh and ₹5 lakh under the referenced prospectus. Availability and applicable terms depend on the selected policy option.	Unlimited automatic recharge of the sum insured is a key advertised benefit. The brochure states that it can be used for the same insured person and the same illness. Actual utilisation remains subject to the applicable recharge rules and policy conditions.
Senior	Room rent is covered up to the sum insured, subject to the applicable room-category terms of the plan.	Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L.	Yes, your sum insured is automatically recharged by an amount equal to the opted sum insured, unlimited times during the policy year, for related or unrelated illnesses.
Senior Health Advantage	The uploaded brochure specifies a twin-sharing room. Check the current policy schedule for the applicable room category and any optional modification.	Individual cover for up to 6 members aged 60 or above, or a family floater for 2 adults, subject to the policy’s eligibility rules.	The uploaded March 2024 brochure does not establish unlimited automatic recharge as a base benefit. The current product page describes a one-time 100% sum insured recharge per policy year. Do not label it unlimited without confirmation in the current wording.
Supreme Shine	Single room covered up to the available Sum Insured	Sum Insured options from ₹5 lakh to ₹1 crore, including higher coverage choices	Unlimited automatic recharge restores the base Sum Insured during the policy year
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

Care

Customer Testimonials

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

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 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

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

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

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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.