| 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* |
Types of Health Insurance Plans Offered by Care Health Insurance
Here are the different types of health insurance policies offered by Care Health Insurance:
Individual 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 Health Insurance
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.
Senior Citizen Health Insurance
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 Insurance
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.
Maternity Health Insurance
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 Insurance
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
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.
What is Covered Under Care Health Insurance?
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
What is Not Covered Under Care Health Insurance?
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.
Add-On Covers Available with Care Health Insurance
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.
-
Claim Shield
Covers up to 68 non-payable items and consumable expenses incurred during hospitalisation that are usually excluded from standard health insurance policies.
-
NCB Super
Increases the sum insured through an enhanced No Claim Bonus without reducing the accumulated bonus after a claim, subject to policy terms.
-
Care OPD
Covers expenses related to doctor consultations, pharmacy bills, diagnostic tests, and other outpatient treatments.
-
Be-Fit Benefit
Provides access to fitness centres and wellness services for insured members aged 12 years and above.
-
Annual Health Check-Up
Covers preventive health check-ups to help monitor overall health and detect medical conditions early.
-
Air Ambulance Cover
Covers emergency air transportation expenses during critical medical situations.
-
Instant Cover
Reduces waiting periods for specified pre-existing conditions and lifestyle-related diseases under eligible plans.
-
Unlimited Automatic Recharge
Restores the sum insured automatically after it has been exhausted during the policy year.
-
Infinity Bonus
Increases the sum insured by 50% every year, irrespective of claims, up to the applicable limit under eligible plans.
-
Loyalty Boost
Rewards long-term policyholders with additional coverage after continuous claim-free years.
-
Wellness Benefit
Encourages healthy living through wellness rewards, activity tracking, and health-related incentives.
-
Room Rent Modification
Enhances room accommodation eligibility by reducing or removing room rent restrictions under eligible plans.
-
Co-Pay Modification
Helps reduce or remove the co-payment requirement, depending on the selected plan and add-on availability.
-
Smart Select
Available with select senior citizen plans, allowing policyholders to customise coverage and premium according to their healthcare requirements.
-
Deductible Modification
Allows policyholders to choose a deductible structure that aligns with their coverage needs and budget.
Why Choose Care Health Insurance?
-
Best Insurer Award 2025
Recognised as the Best Claim Settlement Company of the Year at the 9th Annual India Insurance Summit & Awards 2025.
-
Wide Range of Plan Options
Health insurance solutions for individuals, families, senior citizens, expecting mothers, and people seeking critical illness coverage.
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Vast Healthcare Network
Access to 22,100+ cashless healthcare providers, including 11,600+ network hospitals across India.
-
Easy Claim Process
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.
-
Premium Payback Benefit
Under Ultimate Care, policyholders can receive their first year's base premium back after five claim-free years, subject to policy terms.
-
Unlimited Automatic Recharge
Select plans automatically restore the sum insured after it has been exhausted, helping maintain uninterrupted coverage during the policy year.
Popular Care Health Insurance Plans
-
Care Supreme
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
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
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
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
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.
How to Buy Care Health Insurance Through Coverfox
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.
-
Share Your Details
Enter basic details such as age, city, and the members you want to insure.
-
Compare Care Health Insurance Plans
Review available Care Health Insurance plans, coverage options, benefits, and premiums to find a policy that matches your healthcare needs.
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Customise Your Coverage
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.
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Complete the Proposal Form
Provide the required personal, nominee, medical history, and lifestyle details for policy issuance.
-
Make the Payment
Review your policy details and pay the premium through Coverfox's secure payment platform.
-
Receive Your Policy Instantly
Once the payment is successful and the proposal is approved, the policy document is issued and shared digitally.
-
Need Help Choosing a Plan?
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 Network Hospitals
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.
How to Find the Care Health Insurance Hospital List on Coverfox?
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/
Care Health Insurance Contact Details
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.
