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Care Health Insurance is among the leading standalone health insurers in India, covering more than 15 crore lives since its inception. With access to 22,100+ cashless healthcare providers and a wide range of plans for individuals, families, and senior citizens, it helps policyholders manage healthcare costs without dipping into their savings. Its health plans also come with benefits such as wellness rewards, annual health check-ups, unlimited e-consultations, and automatic recharge options in select plans.
Care Health Insurance is a standalone health insurance company that focuses exclusively on health, wellness, and related insurance solutions. Established in 2012 as Religare Health Insurance, the company was rebranded as Care Health Insurance in 2020. It operates under the regulation of the Insurance Regulatory and Development Authority of India (IRDAI Registration No. 148).
Over the years, Care Health Insurance has built a strong presence in the Indian health insurance market and has been recognised through several industry awards. Some of its recent recognitions include the Best Claim Settlement Company of the Year at the India Insurance Summit & Awards 2025 and the Overall Achievement Award at the ASSOCHAM Global Insurance Summit & Awards 2024*. Today, the insurer offers a wide range of health insurance solutions backed by digital services and wellness benefits.
| Feature | Benefit |
|---|---|
| No Room Rent Limit | Available in select plans |
| 0% Co-payment | Reduced out-of-pocket expenses |
| 100% Renewal Bonus | Enhanced coverage for claim-free years |
| 3-Year Waiting Period | Coverage for pre-existing diseases after 3 years |
| Unlimited Automatic Recharge | Automatic restoration of sum insured |
| 60 Days Pre-Hospitalisation Cover | Medical expenses before hospital admission |
| 180 Days Post-Hospitalisation Cover | Follow-up treatment and recovery expenses |
| Day Care Treatment Coverage | Coverage for procedures not requiring 24-hour hospitalisation |
| Organ Donor Cover | Organ harvesting expenses covered |
| Annual Health Check-Ups | Preventive healthcare benefits |
| Unlimited E-Consultations | Access to online medical consultations |
| AYUSH Treatment Cover | Coverage for alternative treatments |
| Wellness Benefits | Rewards for maintaining a healthy lifestyle |
| Cashless Treatment | Access to 22,100+ healthcare providers |
| Tax Benefits | Deductions of up to ₹75,000 under Section 80D* |
Here are the different types of health insurance policies offered by Care Health Insurance:
Care Health Insurance offers individual health plans with coverage for hospitalisation expenses, day care treatments, AYUSH procedures, domiciliary care, and advanced medical treatments. Plans such as Care Supreme and Care Advantage also include benefits like automatic recharge, wellness rewards, and annual health check-ups.
Family floater plans cover multiple family members under a single sum insured. These plans include benefits such as cashless hospitalisation, unlimited recharge in select plans, pre and post-hospitalisation cover, and wellness programmes, making them suitable for families seeking a single policy for healthcare protection.
Designed for individuals aged 60 years and above, Care Senior focuses on age-related healthcare needs with access to cashless treatment and preventive care benefits. These plans include coverage for hospitalisation expenses, day care procedures, annual health check-ups, and access to a large cashless healthcare network.
Critical illness plans provide a lump-sum benefit upon the diagnosis of covered critical illnesses. The payout can help manage treatment costs and other financial commitments arising from serious medical conditions.
Care Joy is Care Health Insurance's maternity-focused plan that helps cover pregnancy-related medical expenses, delivery costs, and newborn care benefits. The plan is available in variants that cater to both immediate and future maternity requirements.
Personal accident plans provide financial support in the event of accidental death, permanent total disability, permanent partial disability, or temporary total disability resulting from an accident.
Top-up and super top-up plans help enhance existing health insurance coverage at a relatively affordable premium. These plans are useful for increasing the overall sum insured without purchasing a separate comprehensive policy.
Care Health coverage may vary depending on the plan selected. Common inclusions include:
In-patient hospitalisation expenses
Hospitalisation of 2 hours or more under eligible plans
No room rent restrictions in select plans
Pre-hospitalisation expenses for up to 60 days
Post-hospitalisation expenses for up to 180 days
All day care procedures up to the sum insured
Unlimited automatic recharge of the sum insured in select plans
Organ donor expenses
Domiciliary hospitalisation (treatment at home)
AYUSH treatments including Ayurveda, Yoga, Unani, Siddha, and Homeopathy
Advanced medical treatments and modern procedures
Emergency ambulance expenses
Annual health check-ups
Unlimited e-consultations in select plans
Maternity and newborn cover under Care Joy plans
Critical illness benefits under eligible plans
Wellness rewards and fitness benefits under select plans
Coverage for non-payable items through Claim Shield add-on
Premium Payback benefit under Ultimate Care after 5 claim-free years
Infinity Bonus and Loyalty Boost benefits under eligible plans
Exclusions may vary across different Care Health plans. Common exclusions include:
Pre-existing diseases during the applicable waiting period
Medical conditions occurring during the initial 30-day waiting period (except accidents)
Specific illnesses during the waiting period
Cosmetic and aesthetic treatments
LASIK and vision correction procedures not covered under policy terms
Self-inflicted injuries and attempted suicide
Treatment arising from alcohol or substance abuse
War, invasion, and nuclear-related events
Experimental or unproven treatments
Non-medical consumables and administrative charges (unless covered through add-ons such as Claim Shield)
Treatment not considered medically necessary
Expenses exceeding policy limits and sub-limits
Any condition specifically excluded under the policy wording
Note: Coverage, limits, waiting periods, and exclusions may vary depending on the Care Health Insurance plan chosen. Refer to the policy wording for complete details.
Care Health Insurance allows policyholders to enhance their base health insurance coverage through a range of optional riders. These add-ons help address specific healthcare needs, reduce out-of-pocket expenses, and provide access to additional benefits that may not be included in the standard policy.
Covers up to 68 non-payable items and consumable expenses incurred during hospitalisation that are usually excluded from standard health insurance policies.
Increases the sum insured through an enhanced No Claim Bonus without reducing the accumulated bonus after a claim, subject to policy terms.
Covers expenses related to doctor consultations, pharmacy bills, diagnostic tests, and other outpatient treatments.
Provides access to fitness centres and wellness services for insured members aged 12 years and above.
Covers preventive health check-ups to help monitor overall health and detect medical conditions early.
Covers emergency air transportation expenses during critical medical situations.
Reduces waiting periods for specified pre-existing conditions and lifestyle-related diseases under eligible plans.
Restores the sum insured automatically after it has been exhausted during the policy year.
Increases the sum insured by 50% every year, irrespective of claims, up to the applicable limit under eligible plans.
Rewards long-term policyholders with additional coverage after continuous claim-free years.
Encourages healthy living through wellness rewards, activity tracking, and health-related incentives.
Enhances room accommodation eligibility by reducing or removing room rent restrictions under eligible plans.
Helps reduce or remove the co-payment requirement, depending on the selected plan and add-on availability.
Available with select senior citizen plans, allowing policyholders to customise coverage and premium according to their healthcare requirements.
Allows policyholders to choose a deductible structure that aligns with their coverage needs and budget.
Recognised as the Best Claim Settlement Company of the Year at the 9th Annual India Insurance Summit & Awards 2025.
Health insurance solutions for individuals, families, senior citizens, expecting mothers, and people seeking critical illness coverage.
Access to 22,100+ cashless healthcare providers, including 11,600+ network hospitals across India.
Hassle-free claim support through online and offline channels, with claim processing timelines of 1 hour for cashless claims and 5–7 days for reimbursement claims, as stated by the insurer.
Under Ultimate Care, policyholders can receive their first year's base premium back after five claim-free years, subject to policy terms.
Select plans automatically restore the sum insured after it has been exhausted, helping maintain uninterrupted coverage during the policy year.
Care Supreme is one of Care Health Insurance's flagship health plans, offering coverage from ₹5 lakh to ₹1 crore. The plan includes benefits such as unlimited automatic recharge, no room rent restrictions, annual health check-ups, AYUSH treatment coverage, and optional add-ons like Claim Shield and NCB Super.
Ultimate Care combines comprehensive health coverage with unique benefits such as Premium Payback, Infinity Bonus, and Unlimited Care. The plan also includes unlimited automatic recharge, unlimited e-consultations, and wellness-focused benefits.
Care Advantage is a high-sum-insured health insurance plan suitable for individuals seeking extensive medical coverage. The plan offers coverage options up to ₹1 crore along with features such as cumulative bonuses and automatic recharge benefits.
Care Joy is a maternity-focused health insurance plan that helps cover pregnancy-related expenses, delivery costs, and newborn care. It is available in two variants - Joy Today and Joy Tomorrow.
Care Senior is designed for senior citizens and addresses age-related healthcare needs with comprehensive medical coverage, cashless treatment facilities, and access to a large healthcare network.
Buying a Care Health Insurance policy through Coverfox is a simple online process that allows you to compare plans, customise coverage, and complete your purchase in just a few steps.
Enter basic details such as age, city, and the members you want to insure.
Review available Care Health Insurance plans, coverage options, benefits, and premiums to find a policy that matches your healthcare needs.
Select the sum insured and enhance your policy with available add-on covers such as Claim Shield, Care OPD, NCB Super, or Be-Fit Benefit.
Provide the required personal, nominee, medical history, and lifestyle details for policy issuance.
Review your policy details and pay the premium through Coverfox's secure payment platform.
Once the payment is successful and the proposal is approved, the policy document is issued and shared digitally.
If you're unsure which Care Health Insurance plan best suits your needs, simply share your details on Coverfox. One of our insurance experts will contact you on the provided mobile number, explain the available options, answer your queries, and help you choose the right coverage for yourself and your family.
Care Health Insurance has an extensive network of hospitals across India where policyholders can avail cashless treatment for covered medical expenses. The vast Care Health Insurance hospital list includes leading multi-speciality hospitals, enabling insured members to receive timely medical care without worrying about arranging funds during hospitalisation.
Finding hospitals in the Care Health Insurance hospital list is simple:
Visit Coverfox and navigate to the Health Insurance section.
Click on Network Hospitals.
Select Care Health Insurance (formerly Religare Health Insurance) from the list of insurers.
Enter your State and City details.
Click on the search option to view the Care Health Insurance hospital list available in your location.
Browse the network hospitals and choose a suitable facility for cashless treatment.
You can directly access the Care Health Insurance hospital list here: https://www.coverfox.com/health-insurance/religare-health-insurance/network-hospitals/
Customer Care: 1800-102-4499
Senior Citizen Helpline: 1800-102-4488
Claims Helpline: 1800-258-5881
WhatsApp Support: 88604 02452
Coverfox Claims Assistance: help@coverfox.com
Website: careinsurance.com
Customer App: Care Health App for policy servicing, claim tracking, renewals, e-consultations, and health check-up bookings.
Disclaimer: Coverage, benefits, premiums, waiting periods, add-on covers, and exclusions may vary depending on the Care Health Insurance plan selected. Please refer to the policy wording, prospectus, and official insurer documents for complete details before purchasing a policy.
*Source - Information on awards and on this page is taken from the Care Health Insurance Website.
Care Health Insurance is one of India's leading standalone health insurers, offering a wide range of health plans, access to 22,100+ cashless healthcare providers, and a claim settlement ratio of 96.6% for the period April 2025 to December 2025.
Care Health Insurance reported a claim settlement ratio of 96.6% for the period April 2025 to December 2025.
Care Health Insurance has a network of more than 22,100 cashless healthcare providers across India.
Some of the popular plans offered by Care Health Insurance include Care Supreme, Ultimate Care, Care Advantage, Care Joy, and Care Senior.
Yes, Care Health Insurance offers cashless hospitalisation through its network of 22,100+ healthcare providers across India.
The waiting period for pre-existing diseases varies by plan. Under plans such as Care Supreme, pre-existing diseases are covered after a waiting period of 3 years.
Yes, Care Health Insurance plans can be purchased online through Coverfox by comparing plans, selecting coverage, and completing the purchase digitally.
Yes, premiums paid towards eligible Care Health Insurance policies qualify for tax deductions of up to ₹75,000 under Section 80D of the Income Tax Act, subject to applicable tax laws.
Yes, Care Health Insurance offers maternity coverage through plans such as Care Joy, which helps cover pregnancy-related and newborn care expenses as per policy terms.
You can initiate a claim directly with Care Health Insurance or seek assistance from the Coverfox claims team by contacting help@coverfox.com.
Yes, annual health check-ups are available under select Care Health Insurance plans.
Popular add-on covers include Claim Shield, NCB Super, Care OPD, Be-Fit Benefit, Air Ambulance Cover, and Annual Health Check-Up benefits.
