Care (Formerly Religare) Health Insurance

Care Formerly Religare health insurance - Care

'Care' is the distinctive feature of Care (Formerly Religare) Health insurance and the coverage cares for you and your family. The comprehensive coverage designed by Care (Formerly Religare) health insurance is effective for meeting medical expenses in case of emergency. The speedy claim settlement process and much more under Care (Formerly Religare) health insurance assures peace for the insured and you will be always updated with industry's best features. Compare features and buy Care (Formerly Religare) Health Insurance for yourself and your family.

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Care (Formerly Religare) health insurance - Key highlights

  • Covers more than 540 Day Care treatments
  • Inbuilt Maternity coverage of upto ₹ 1 lac under specific plans
  • Life Time Renewal of all policies + No Upper Entry Age limit for all plans
  • Avail treatment anywhere in the world for 12 defined major illnesses under "Care Anywhere" on Cashless basis under specific plans
  • Additional Features like Tax Benefit under section 80D , Auto Recharge of Policy Sum Insured, as well as an option to avail Personal Accident Cover
  • Covers Non Allopathic treatment like Ayurveda, Homeopathy, Unani & Sidha (AYUSH)
  • Coverage for Modern Treatments like Robotic Surgery, HIV/AID
  • Up to 150% increase in Sum Insured With No Claim Bonus with NCB Super in 5 consecutive claim free years
  • Cashless & Hassle-free direct claim settlement with us at 7400+ Hospitals

Care Health Insurance Review

Care Health Insurance
Care Health Insurance sum insured
4 lacs − 600 lacs options available
Incurred Claims Ratio *
55.00%
Care Health Insurance tenure options
1, 2 or 3 years options available
Claims Settlement Ratio **
93.44%
List of network hospitals
7,400+ hospitals
Number of policies issued *
6,91,739
Maximum family floater coverage
Self, Spouse + dependent (children + parents)
Number of lives covered *
1,07,13,000
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

Care (Formerly Religare) health insurance - Care review

  • Features
  • Care highlights
  • Benefit table
  • Exclusion

Care (Formerly Religare) Care insurance features

Auto Recharge of your Sum Insured
If due to claims made, you exhaust your health cover, we recharge the entire sum insured of your policy, in the policy year. All this at no extra cost!

Avail Health Check-ups, every year
Our concern is your good health. To pre-empt your ever having to visit a hospital, you can avail our comprehensive health check-ups for yourself and adult members of your family covered by the policy, every year even if there is a claim.

Day Care Treatment
Covers more than 540 day care treatments

Pre & Post hospitalization
Coverage for medical expenses incurred by you even before admitting to hospital for 30 days. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalization also for 60days.

Daily Allowance
This will help you take care of the incidental non-medical expenses (attendant meals, transportation etc.) incurred during hospital stay.

Get No-Claim Bonus
If you do not have any occasion to claim in your health insurance policy in a particular year, get 10% increase in your sum insured up to 50% of your sum insured! It’s just our way to tell you that we’re there with you in good times and in bad.

Other great benefits you also get are-
There's still lot more we have for you!
All our policies are eligible for claiming deduction for Tax Benefit under section 80D, Floater Cover, Ambulance expenses covered, Organ donor medical expenses covered, Domiciliary hospitalization covered 7.5% Discount on 2 year policy terms, online instant health insurance buy and more.

Care (Formerly Religare) Care insurance highlights

In-patient Care
Covers hospitalization expenses incurred as an in-patient in a Hospital which will include Room, Boarding and O.T charges. Fees of Surgeon, Anesthetist, Nurses, Specialists etc.

Day Care Treatment
Due to advancement of technology, hospitalisation expenses for certain treatments / diseases like Cataract, Eye Surgery, Dialysis etc are also covered, even though the hospitalisation is for less than 24 hours.

In-patient Treatment
Medical Treatment for a period exceeding three days, which in the normal course, would require hospitalisation, but treatment is actually taken at home, under circumstances like condition of the patient does not permit him/her to be removed to Hospital or patient cannot be admitted to Hospital for lack of accommodation therein.

Pre and Post Hospitalisation
Policy also covers relevant medical expenses incurred during a specified period, before & after hospitalisation.

Organ Donor
Covers hospitalisation expenses towards donor in case of major organ transplant.

Ambulance cover
Reimbursement of Expenses incurred for necessary transportation of the insured to the Hospital in an ambulance for hospital admission and requiring immediate treatment.

Tax Benefit
Premium paid for Policy is eligible for tax deduction under section 80 D of the Income Tax Act.

Lifelong Renewability
We will be there for your whole life. The Policy can be renewed lifelong under the then prevailing Health Insurance Product or its nearest substitute approved by IRDAI.

Second Option
If you are suffering from a serious illness or wish to get a second opinion of an expert/doctor, the insurance company will arrange one for you with free of cost.

Care (Formerly Religare) Care insurance benefit table

4 lacs 5, 7, 10 lacs 15, 20, 25, 30, 40 lacs 50, 60, 70, 75 lacs 1, 2, 3, 6 crores
In-Patient Hospitalization Up to Sum Insured Up to Sum Insured Up to Sum Insured Up to Sum Insured Up to Sum Insured
Pre-hospitalization 30 Days 30 Days 30 Days Up to SI,30 Days Up to SI,30 Days
Post-hospitalization 60 Days 60 Days 60 Days Up to SI,60 Days Up to SI,60 Days
Day Care Yes Yes Yes Yes Upto SI
Room Rent 1% of SI per day Single Private Room Single Private Room
(upgradable to next level)
Single Private Room
(upgradable to next level)
Single Private Room
(upgradable to next level)
ICU Charges 2% of SI per day No Sub-Limit No Limit No Limit ---
Ambulance Cover Rs.1,500/
Hospitalization
Rs.2,000/
Hospitalization
Rs.2,500/
Hospitalization
Rs.3,000/
Hospitalization
Rs.3,000/
Hospitalization
Domiciliary Hospitalization Upto 10% of SI Upto 10% of SI Upto 10% of SI Upto 10% of SI Upto 10% of SI
Health Check-up Yes Yes Yes Yes Yes
Automatic Recharge of Sum Insured Yes Yes Yes Yes Yes, Up to SI (Once in a Policy Year)
No Claim Bonus Yes Yes Yes Yes Yes
Organ Donor Cover Rs.50,000 Rs.100,000 Rs.200,000 Rs.300,000 Rs.500,000
Second Opinion Yes Yes Yes Yes Yes

Care (Formerly Religare) Care insurance exclusion

  1. Any pre-existing ailment/injury that was diagnosed/received within 48 months prior to issuance of the first policy.
  2. Any diseases contracted during first 30 days of the policy start date except those arising out of accidents.
  3. Non-allopathic treatment.
  4. Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
  5. Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
  6. Cost of spectacles/contact lenses, dental treatment
  7. Medical expenses incurred for treatment of AIDS
  8. Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
  9. Congenital disease
  10. Tests and treatment relating to infertility and in vitro fertilization.
  11. Treatments such as non-infective arthritis, joint replacement etc., which are covered only after completion of 2 consecutive policy years.

Care (Formerly Religare) health insurance FAQ's

There is no upper limit on the number of claims during the policy period. However, the total cumulative claim amount cannot exceed the Policy Sum Insured.

As on date Care (Formerly Religare) Health have settled 4.7 lacs + health claims

The process is as follows:

  • Cashless - For any emergency hospitalisation, the insured should intimate Care (Formerly Religare) Health within 24 hours from the time of hospitalization. For any planned hospitalization, the Insured should seek cashless authorization from us at least 48 hours prior to hospitalization.
  • Reimbursement - In case of a reimbursement claim, the insured pays the hospitalization expenses (which is otherwise claimable under his insurance policy) himself and then claims for a reimbursement of those expenses from Care (Formerly Religare). The Insured should submit all the bills and treatment papers in original to us and intimate regarding the hospitalization as per policy terms & conditions.

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Policy wordings

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Care health insurance useful links

How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

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Network hospitals

Care Network hospitals list. Cashless & Hassle-free direct claim settlement with us at 7400+ Hospitals

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    InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

  • +91-(80)-41744345
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022
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