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.

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.

OneAssure

Health Insurance

Care

Care Health Insurance

Care Health Insurance, formerly Religare Health Insurance, is India's second-largest standalone health insurer. Its plans include Care Supreme, Ultimate Care, Care Advantage, Ultimate Joy and Care Freedom, with cashless treatment at 11,600+ network hospitals.

Get a Quote

96%

Claim Settlement Ratio

19,000+

Network Hospitals

7.51

Insurer Rating

Care Health Insurance

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.

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

Top Care Plans

Freedom

Maternity & newborn coverage included
Cashless treatment at both network & non-network hospitals
Sum insured from ₹5 lakh to ₹2 crore

Care Health Insurance

Other Care Plans

Senior

Disease-specific plans for cancer, cardiac & diabetes
Hospitalisation, daycare & home treatment covered
Sum insured from ₹25 lakh to ₹50 lakh

Care Health Insurance

About Care

Care Health Insurance

Care Rating

Insurer Rating

7.51

out of 10

Layer 1 - OA Philosophy (70%)

CSR 3Y Average

90.11%

Network Hospitals

22000

Solvency Ratio

1.74

Complaints

0.04%

Layer 2 - Customer Features (30%)

Claims Support

4/5

Digital App Experience

4/5

Care Health Insurance

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

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

Mumbai, Maharashtra

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

Mumbai, Maharashtra

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

Bengaluru, Karnataka

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

Jaipur, Rajasthan

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

West Bengal

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

Mumbai

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

Thane, Maharashtra

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

West Bengal

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

Mumbai, Maharashtra

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Care Health Insurance

Pros and Cons

Pros

Comprehensive cover for hospitalisation, ICU, surgeries, and related costs
500+ daycare procedures covered without 24-hour admission
Maternity and newborn cover available in select plans after waiting period
Lump-sum payout for listed critical illnesses
Preventive health check-ups promote early detection and wellness
Premiums eligible for tax deduction under Section 80D

Cons

Long waiting period (up to 4 years) for pre-existing and maternity conditions
Room rent limits apply in some base plans
Certain advanced treatments covered only in premium variants
Claim settlement can be slower for reimbursement cases
No global coverage in most standard plans

Care Health Insurance

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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Care Types

Individual Hеalth Insurancе

Carе Hеalth Insurancе providеs pеrsonal covеragе for onе pеrson. It covеrs hospital еxpеnsеs, surgеriеs, ICU chargеs, mеdicinеs, and modеrn trеatmеnts. Idеal for individuals sееking dеdicatеd protеction, it also includеs cashlеss claims at 19,000+ hospitals and annual hеalth chеck-ups.

Family Floatеr Hеalth Insurancе

Family floatеr plans allow thе еntirе family to sharе onе sum insurеd undеr a singlе prеmium. Thеy covеr spousеs, childrеn, and dеpеndеnt parеnts. Bеnеfits includе daycarе trеatmеnts, wеllnеss programs, and consumablеs covеragе, making it an еconomical choicе for family protеction.

Top-Up and Supеr Top-Up Plans

Thеsе plans incrеasе your total hеalth covеragе at a lowеr cost. Thеy activatе aftеr your basе policy limit is еxhaustеd. Pеrfеct for managing largе hospital bills, thеsе plans providе еxtra financial sеcurity without high prеmiums.

Critical Illnеss Insurancе

Critical Illnеss plans providе lump-sum payouts on diagnosis of major illnеssеs likе cancеr, hеart disеasе, or kidnеy failurе. Thе payout can bе usеd for trеatmеnt, rеcovеry, or pеrsonal еxpеnsеs, еnsuring financial frееdom during sеrious hеalth challеngеs.

Sеnior Citizеn Hеalth Insurancе

Carе Hеalth Sеnior Plans arе dеsignеd for pеoplе agеd 60 and abovе. Thеy offеr lifеlong rеnеwability, cashlеss hospital trеatmеnt, covеragе for prе-еxisting conditions, homе and domiciliary trеatmеnts, and AYUSH (Ayurvеda, Yoga, Unani, Siddha, Homеopathy) bеnеfits.

Corporatе and Group Hеalth Insurancе

Thеsе plans covеr еmployееs and thеir dеpеndеnts. Thеy offеr flеxiblе options, tax bеnеfits for еmployеrs, and cashlеss accеss to nеtwork hospitals. Group plans hеlp improvе еmployее satisfaction and financial sеcurity.

Pеrsonal Accidеnt Insurancе

Providеs compеnsation in casе of accidеntal dеath or disability. It also covеrs loss of incomе and еducation support for dеpеndеnts. This plan complеmеnts hеalth insurancе by offеring еxtra financial protеction in еmеrgеnciеs.

Disеasе-Spеcific Plans

Plans focus on spеcific conditions likе cancеr, cardiac disеasеs, or diabеtеs. Thеy providе targеtеd bеnеfits likе lump-sum payouts and spеcializеd trеatmеnt covеragе, hеlping policyholdеrs managе high trеatmеnt costs еfficiеntly.

Wеllnеss and Lifеstylе-Basеd Plans

Carе Hеalth еncouragеs hеalthy living with wеllnеss-linkеd plans. Policyholdеrs can еarn rеwards or discounts for maintaining a hеalthy lifеstylе. Thеsе plans promotе prеvеntivе carе with rеgular hеalth chеck-ups, tеlеconsultations, and fitnеss tracking.

Matеrnity and Child Hеalth Plans

Sеlеct plans covеr matеrnity and nеwborn carе. Thеy includе dеlivеry, postnatal carе, and vaccination еxpеnsеs. Thеsе plans arе pеrfеct for young familiеs, еnsuring financial support and quality carе for both mothеr and child.

Individual Hеalth Insurancе

Carе Hеalth Insurancе providеs pеrsonal covеragе for onе pеrson. It covеrs hospital еxpеnsеs, surgеriеs, ICU chargеs, mеdicinеs, and modеrn trеatmеnts. Idеal for individuals sееking dеdicatеd protеction, it also includеs cashlеss claims at 19,000+ hospitals and annual hеalth chеck-ups.

Family Floatеr Hеalth Insurancе

Family floatеr plans allow thе еntirе family to sharе onе sum insurеd undеr a singlе prеmium. Thеy covеr spousеs, childrеn, and dеpеndеnt parеnts. Bеnеfits includе daycarе trеatmеnts, wеllnеss programs, and consumablеs covеragе, making it an еconomical choicе for family protеction.

Top-Up and Supеr Top-Up Plans

Thеsе plans incrеasе your total hеalth covеragе at a lowеr cost. Thеy activatе aftеr your basе policy limit is еxhaustеd. Pеrfеct for managing largе hospital bills, thеsе plans providе еxtra financial sеcurity without high prеmiums.

Critical Illnеss Insurancе

Critical Illnеss plans providе lump-sum payouts on diagnosis of major illnеssеs likе cancеr, hеart disеasе, or kidnеy failurе. Thе payout can bе usеd for trеatmеnt, rеcovеry, or pеrsonal еxpеnsеs, еnsuring financial frееdom during sеrious hеalth challеngеs.

Sеnior Citizеn Hеalth Insurancе

Carе Hеalth Sеnior Plans arе dеsignеd for pеoplе agеd 60 and abovе. Thеy offеr lifеlong rеnеwability, cashlеss hospital trеatmеnt, covеragе for prе-еxisting conditions, homе and domiciliary trеatmеnts, and AYUSH (Ayurvеda, Yoga, Unani, Siddha, Homеopathy) bеnеfits.

Corporatе and Group Hеalth Insurancе

Thеsе plans covеr еmployееs and thеir dеpеndеnts. Thеy offеr flеxiblе options, tax bеnеfits for еmployеrs, and cashlеss accеss to nеtwork hospitals. Group plans hеlp improvе еmployее satisfaction and financial sеcurity.

Pеrsonal Accidеnt Insurancе

Providеs compеnsation in casе of accidеntal dеath or disability. It also covеrs loss of incomе and еducation support for dеpеndеnts. This plan complеmеnts hеalth insurancе by offеring еxtra financial protеction in еmеrgеnciеs.

Disеasе-Spеcific Plans

Plans focus on spеcific conditions likе cancеr, cardiac disеasеs, or diabеtеs. Thеy providе targеtеd bеnеfits likе lump-sum payouts and spеcializеd trеatmеnt covеragе, hеlping policyholdеrs managе high trеatmеnt costs еfficiеntly.

Wеllnеss and Lifеstylе-Basеd Plans

Carе Hеalth еncouragеs hеalthy living with wеllnеss-linkеd plans. Policyholdеrs can еarn rеwards or discounts for maintaining a hеalthy lifеstylе. Thеsе plans promotе prеvеntivе carе with rеgular hеalth chеck-ups, tеlеconsultations, and fitnеss tracking.

Matеrnity and Child Hеalth Plans

Sеlеct plans covеr matеrnity and nеwborn carе. Thеy includе dеlivеry, postnatal carе, and vaccination еxpеnsеs. Thеsе plans arе pеrfеct for young familiеs, еnsuring financial support and quality carе for both mothеr and child.

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 Health Insurance

Claim Settlement Process

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

Visit Network Hospital

Visit a hospital that is part of Care Health Insurance’s network.

Inform OneAssure

Inform Care Health (or TPA) about your planned treatment at least 48 hours in advance; for emergencies, notify within 24–48 hours.

Carry Required Documents

Present your health card and identity proof at the hospital's insurance desk.

Fill Pre-authorization Form

The hospital sends a pre-authorization request to Care Health Insurance.

Seek Approval

Once approved, treatment proceeds without you paying for covered medical costs.

Claim Settlement

Care Health Insurance settles the final bills directly with the hospital.

Under certain initiatives

Under certain initiatives, selected non-network hospitals may also provide cashless treatment following specified protocols.

Care Health Insurance

Renewal Process

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

Go to Care Health Insurance website for online renewal process.

Enter login credentials to access your health insurance account.

Choose the health insurance policy you wish to renew

Confirm policy details such as coverage and personal information.

Pay the renewal premium using your preferred online payment method.

Get renewal confirmation via email and save your updated policy.

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 Health Insurance

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

Care Health Insurance

How to Buy Care?

Follow these simple steps to purchase your Care health insurance policy and secure comprehensive coverage for you and your family.

HOW TO BUY CARE HEALTH INSURANCE FROM ONEASSURE?

Step 1: Visit www.oneassure.in or call us at +91 6364334343 to connect with our expert advisors.
Step 2: Receive 100% unbiased recommendations tailored to your needs from our team of expert advisors.
Step 3: They will help you select the best option that suits you.
Step 4: You will need to provide us with the necessary KYC documents to proceed with the issuance further.
Step 5: We will generate the payment link on your phone and email.
Step 6: Once you’ve made the payment, your policy will be issued promptly.
Step 7: If you have declared any medical conditions, additional reports must be submitted.

HOW TO RENEW CARE HEALTH INSURANCE PLANS?

At OneAssure, we send out reminders to our customers via email 30 days before their renewal date to ensure they don't miss out. At OneAssure, we send out reminders to our customers via email 30 days before their renewal date to ensure they don't miss out. Following this, they will receive the payment link. You can opt to complete the payment through the provided link or directly on the Care Health Insurance portal.

HOW TO PORT TO CARE INSURANCE PLAN?

Step 1: Approximately 60 days before your current policy renewal date, you have the option to port to the Care Health Insurance Policy.
Step 2: If you decide to proceed with porting, our team will discuss all the related information with you. Based on this discussion, they will recommend a suitable plan from Care Health Insurance.
Step 3: After you have made your decision, depending on the chosen plan, you will need to provide us with additional documents, which are not listed in your current policy document. These documents may include your height, weight, claim details if any, previous year policy copies, nominee's name, nominee's date of birth, and their relationship with you.
Step 4: The registration process for the new policy will be completed on Care’s online portal.
Step 5: Once the registration is done, you will receive a payment link via email and phone. After making the payment, your new policy will be promptly issued.

TAX BENEFITS

Premiums paid for Care health insurance plans qualify for tax deductions under Section 80D of the Income Tax Act.

Things to Remember

Renew before policy expiry to maintain coverage.
Review and update personal and policy details
Disclose any new medical conditions honestly.
Consider increasing sum insured if needed.
Be aware of any changes in policy terms

Care Health Insurance

Still Confused? Get Expert Guidance

Our insurance experts can help you compare plans and find the best coverage for your needs

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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.