How does the waiting period affect my coverage?

The Care plan includes a 30-day initial waiting period, 48 months for pre-existing conditions, and 2 years for specific illnesses, ensuring fair risk management.

What if I don’t use my health insurance benefits for the entire year?

A No Claim Bonus increases your sum insured by 25% per claim-free year, up to 150%, rewarding good health without extra premiums.

Does the Care plan cover treatment abroad?

The plan covers treatments only in India. International coverage isn’t included, but add-ons or separate policies may offer global protection.

OneAssure

Health Insurance

Care

Care Plan

Experience India's most trusted health insurance with Care Health Insurance. Get instant cashless treatment at 22000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

22000

Network Hospitals

8.6

Customer Rating

Policy Brochure

Policy Policy Wording

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96

Claim Settlement Ratio

22000

Network Hospitals

8.6

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: Care Care

Final Verdict

A notable feature is the option to reduce the pre-existing disease waiting period from 3 years to 2 years with an add-on. However, for policyholders above 61, a 20% co-payment applies, and room rent is limited to a single private room. This plan is suitable for individuals seeking comprehensive coverage with flexibility for pre-existing conditions, but seniors should consider the co-payment clause.

About

About Care Care

Care Health Insurance offers comprehensive health plans designed to provide financial security against medical expenses. Their plans cover in-patient hospitalization, pre and post-hospitalization, daycare procedures, organ transplants, and emergency services. With flexible sum insured options, No Claim Bonus benefits, and features like sum insured recharge, policyholders get enhanced coverage. Additional add-ons, including global coverage and air ambulance services, further strengthen protection. Available for individuals and families, Care Health Insurance ensures quality healthcare access with extensive benefits and wide hospital network coverage.

Care Health Insurance offers comprehensive health plans designed to provide financial security against medical expenses. Their plans cover in-patient hospitalization, pre and post-hospitalization, daycare procedures, organ transplants, and emergency services. With flexible sum insured options, No Claim Bonus benefits, and features like sum insured recharge, policyholders get enhanced coverage. Additional add-ons, including global coverage and air ambulance services, further strengthen protection. Available for individuals and families, Care Health Insurance ensures quality healthcare access with extensive...

Care Ratings

Ratings: Care Care

Insurer Rating

5.69

out of 10

Insurance Rating

4.75

out of 10

No Room Rent Limit

Add on

Consumables Covered

No

No Co-payment

Add on

Loyalty Bonus >= 500%

Add on

No Disease Sublimits

Add on

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

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

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Inclusions and Exclusions

Inclusions and Exclusions of Care Care

Post-Hospitalisation

You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it

Specific Waiting Period

2 years

Daycare Treatment

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured

AYUSH Treatment

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Modern Treatment

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

ICU Charges

No restriction on ICU room rent

Disease-wise sublimits

No

Restoration Benefit

Yes, your sum insured restores to 100% once every policy year

Consumable Cover

No. However, available as an add-on

Cumulative Bonus

For every year you don’t make a claim, your sum insured increases by 10%. You can pay an additional premium to increase sum insured by 50% upto 100% for every claim free year

Initial Waiting Period

30 days. For the first 30 days after buying your policy, hospital stays won’t be covered unless it’s an accident

PED Waiting Period

3 years

Annual Health Checkup

Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation

You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved

Outpatient Department Cover (OPD Expense)

OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage

Deductible Option

Available as an option

Maternity Cover

Not available

Coverage Options

Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹30L, ₹40L, ₹50L, ₹60L, ₹75L

Claim Settlement Ratio

96%

Cashless Healthcare Providers

21700+ Healthcare Providers

Room Rent

Single private AC room is included as part of base cover

Co-payment

Available as an option

Post-Hospitalisation

You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it

Specific Waiting Period

2 years

Daycare Treatment

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured

Exclusions

Congenital external anomalies, genetic disorders (unless covered).
Medical expenses for conditions existing before policy inception are typically excluded for a specified waiting period.
Certain treatments and diseases are not covered during initial periods after the policy starts, such as the first 30 days for general illnesses and up to 48 months for specific conditions
Expenses related to infertility tests and treatments, including in vitro fertilization, are typically not covered.
Expenses for psychiatric treatments and mental health conditions are often excluded.

Add ons

Add-Ons

OPD Benefit

Reduction in PED

Unlimited Automatic Recharge

NCB

Care Shield

Air Ambulance

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About the company

Carе Hеalth Insurancе (formеrly known as Rеligarе Hеalth Insurancе) is onе of India’s most trustеd and customеr-cеntric hеalth insurancе companiеs. It is dеdicatеd to providing comprеhеnsivе and affordablе hеalth covеragе that hеlps individuals and familiеs stay financially sеcurе during mеdical еmеrgеnciеs.
Carе Hеalth offеrs a widе rangе of plans tailorеd for individuals, familiеs, sеnior citizеns, and corporatе groups. Each policy is thoughtfully dеsignеd to covеr hospitalization еxpеnsеs, surgеriеs, daycarе procеdurеs, and both prе- and post-hospitalization costs. Thе insurеr also providеs global covеragе options, wеllnеss-basеd bеnеfits, and top-up plans to еnhancе protеction basеd on spеcific hеalthcarе nееds.

Carе Hеalth Insurancе (formеrly known as Rеligarе Hеalth Insurancе) is onе of India’s most trustеd and customеr-cеntric hеalth insurancе companiеs. It is dеdicatеd to providing comprеhеnsivе and affordablе hеalth covеragе that hеlps individuals and familiеs stay financially sеcurе during mеdical еmеrgеnciеs. Carе Hеalth offеrs a widе rangе of plans tailorеd for individuals, familiеs, sеnior citizеns, and corporatе groups. Each policy is thoughtfully dеsignеd to covеr hospitalization еxpеnsеs, surgеriеs, daycarе procеdurеs, and both prе- and post-hospitalization...