Care Health Group Insurance Plan

Care Health Group Insurance Plan is an innovative group health insurance solution designed for Indian organizations of all sizes in 2025. This plan provides comprehensive medical coverage for employees, ensuring both financial protection and better access to quality healthcare. The plan is popular among companies seeking to attract and retain talent with competitive benefits while managing costs effectively.

The group insurance product from Care Health Insurance, one of India’s top private health insurers, covers a range of medical needs, including hospitalization, day-care treatments, pre and post-hospitalization expenses, maternity, and more. Employers can tailor the policy features as per their team’s demographics and requirements.

Why Choose Care Health Group Insurance Plan in 2025?

Choosing the right group health insurance has a significant impact on both employers and employees. In 2025, with rising medical costs and increasing awareness about healthcare benefits, companies are actively looking for effective policies that offer maximum protection.

Care Health Group Insurance Plan stands out because of its customizable coverage options, fast claim settlements, and broad hospital network across India. The insurer’s focus is on hassle-free customer service and digital-first claim processing, making it an attractive choice for businesses and HR teams.

Expert Insight: According to senior HR managers in Bengaluru, group health insurance is a top-rated benefit for talent acquisition in competitive sectors like IT and BFSI.

What Are the Key Features or Highlights of Care Health Group Insurance Plan?

Care Health Group Insurance Plan in 2025 offers a robust bouquet of features that meet the diverse needs of modern Indian companies:

• All India Network Hospitals: Access to over 20,600 cashless network hospitals in India.
• Comprehensive Coverage: Hospitalisation, day-care, domiciliary, AYUSH treatments included.
• Pre and Post-Hospitalisation: Coverage for medical expenses both before and after hospital stays, usually 30 days prior and up to 60 days after.
• Flexible Sum Insured: Choice of sum insured options ranging from 1 lakh to 10 lakhs per person.
• Maternity & Newborn Cover: Maternity benefits with waiting period options and newborn baby cover from day one.
• Pre-existing Disease Coverage: Customisable waiting periods for PEDs; often reduced or waived for groups.
• Covid-19 & Infectious Diseases: Includes pandemics and new-age risks as standard.
• Day Care Procedures: More than 500 covered, including surgeries needing less than 24 hours of hospitalisation.
• No Pre-Policy Medical Required: Usually not needed for employees below 60 years or as per group profile.
• Digital Services: App-based claims, e-cards, cashless authorization, and helpline support 24x7.

How Does Care Health Group Insurance Plan Compare With Others?

Here’s a quick comparison table highlighting key aspects of Care Health Group Insurance Plan versus other leading providers in 2025.

People Also Ask:
Is Care Health Group Insurance good for start-ups and small businesses?
Yes, the plan can be tailored to cover fewer employees and comes with flexible premium options for new or small companies.

Who Should Optimum for Care Health Group Insurance Plan?

Care Health Group Insurance Plan is ideal for:

• Start-ups looking for affordable yet comprehensive coverage
• Large enterprises focused on employee well-being and tax benefits
• SMEs wanting to enhance employee retention rate
• Firms with diverse workforces and varying employee age groups
• NGO and social organizations securing field staff

The adaptability of the plan makes it useful for employers across sectors including IT, Fintech, Manufacturing, Services, and Education.

Did You Know? Employee health insurance increases productivity and reduces absenteeism by nearly 16 percent as reported by industry research in 2024.

What Are the Pros and Cons of Care Health Group Insurance Plan?

Pros:

• Wide nationwide hospital network for cashless claims
• Digital-first policy management and claim settlement
• Flexible coverage options for sum insured, riders, and add-ons
• Inclusion of OPD, wellness, dental, and eye care options
• Customizable for organizations of all sizes and sectors
• Maternity and newborn cover as optional benefit
• Fast claim turnaround, often within 2-4 working days
• Premium payments eligible for tax benefits under Section 80D

Cons:

• Outpatient coverage is often optional at extra cost
• Higher sum insured options increase overall premium
• Homeopathy or AYUSH covers require explicit inclusion
• Some group-specific customization needs negotiation with insurer
• Maximum coverage depends on company profile and group size

People Also Ask:
Are parents covered under Care Health Group Insurance Plan?
Coverage for dependents like parents can be added as an option but increases the group’s premium.

How is the Claim Settlement Process in Care Health Group Insurance Plan?

Claims under the scheme are handled through a digital-first approach in 2025, making the process easy and quick.

Cashless Claims:

• Employee shows e-health card at a network hospital
• Hospital sends pre-authorisation request to Care Health
• Once approved, bills are settled directly with hospital

Reimbursement Claims:

• Bills and discharge summary submitted via app or portal
• Claims processed within 3–7 working days as per complexity
• Direct credit to employee’s bank account after approval

All documentation, policy details, network hospitals, and claim tracking are available online for both HR and employees.

Expert Insight: Digital claim settlement reduced claim processing time by 30 percent over the past year, according to Care Health customer feedback.

What Are the Inclusions and Exclusions In the Plan?

Understanding what is covered and what is not helps employees and employers make informed use of the group insurance.

Common Inclusions:

• Hospitalisation due to illness or accident
• Pre and post-hospitalisation charges
• Day care procedures
• Doctor consultation and room rent
• ICU charges and diagnostics
• Maternity, newborn, and vaccination (if opted)
• Organ donor expenses
• Allopathy, AYUSH cover (if opted)
• Ambulance cover

Typical Exclusions:

• Cosmetic or aesthetic procedures unless medically necessary
• Alcohol/drug abuse-related treatments
• Self-inflicted injuries
• Experimental or unproven treatments
• Pre-existing conditions, if waiting period is not waived
• HIV AIDS-related expenses (unless specified)
• Dental and vision treatments without rider

People Also Ask:
Is Covid-19 covered under Care Health Group Insurance Plan in 2025?
Yes, all confirmed Covid-19 cases and complications are covered as per IRDAI guidelines.

What Are the Premium and Tax Benefits Available?

Premiums for group health insurance depend on the demographic profile of employees, sum insured, and add-ons chosen.

Key Premium Factors:

• Age group and health history of employees
• Total sum insured per member
• Number of employees and family units covered
• Inclusion of parents, top-up covers, and add-ons
• Policy tenure and claim history

Organizations can claim the insurance premium as a business expense, and employees get a tax benefit under section 80D for the portion paid from their salary.

Did You Know? The average per member annual premium for a 5 lakh group policy in 2025 is between INR 5,800 and INR 7,200, based on recent industry data.

How to Buy and Manage Care Health Group Insurance Plan?

The process of purchasing or renewing a group insurance plan with Care Health is entirely online and streamlined for HR teams.

Buying Steps:

• Share employee data and company profile with Care Health advisor
• Choose sum insured, benefits, and riders as per need
• Receive proposal, approve policy, and pay premium digitally
• Onboarding support with digital e-cards and documentation
• Employee induction sessions arranged if required

HR dashboards give access to policyholder data, claim tracking, and reports, making annual renewals, new member additions, or deletions far easier.

People Also Ask:
Can the group health policy be ported to another insurer on renewal?
Portability among group health policies is possible, but subject to new insurer’s approval and terms.

Are There Any Additional Benefits and Services Included?

Care Health Group Insurance Plan aims to deliver additional value beyond basic hospitalisation coverage.

Additional Value-Added Benefits:

• Wellness programs with regular health check-ups and screenings
• Telemedicine and e-Consultations at no extra cost
• Employee assistance helplines for mental health support
• Loyalty or No Claim Bonus for groups with low claims
• Dedicated relationship manager for large corporates
• Free preventive health check-ups annually

Expert Insight: Companies investing in mental wellness and preventive programs experience lower attrition and better morale reports by third-party HR consultants in India.

What Are The Common Misconceptions About Group Insurance?

Many HR teams and employees have doubts or assumptions about group health insurance, leading to confusion at claim time.

Typical Misconceptions:

• Believing the corporate policy covers everything for all dependents by default
• Expecting a full cover for OPD or dental without additional riders
• Assuming cashless is possible at any hospital, not just network ones
• Not realising that coverage ceases with termination or resignation

Regular awareness sessions and clear documentation help clarify these aspects.

People Also Ask:
What happens to the group cover when an employee leaves the company?
Cover ceases, but employees may opt for a portability option or individual policy if acted upon immediately.

TLDR / Quick Recap

Care Health Group Insurance Plan is a leading choice for Indian companies in 2025, offering wide hospital access, customizable coverage, fast digital claims, and value-added wellness benefits. It is suitable for businesses of any size looking to secure their employees and gain tax advantages. Discerning the inclusions, premium factors, and digital management are key for benefit maximization.

People Also Ask (FAQ)

What is the waiting period for pre-existing diseases in Care Health Group Insurance Plan?

Usually, employers can negotiate for a waiver or reduced waiting period for pre-existing diseases, especially if the group size is large.

Does Care Health provide family floater group insurance plans?

Yes, organizations can include family members like spouse, children, and parents under the group insurance as a floater or individual.

Can employees claim OPD expenses?

OPD expense cover is available as an optional rider with extra premium. Confirm inclusion during policy setup.

What documents are needed to file a claim?

Employees need to submit hospital bills, discharge summaries, medical prescriptions, diagnostic reports, and ID proofs for claim processing.

Can premium be paid monthly instead of annually?

Care Health typically requires the premium to be paid annually at the policy start, but some corporate flexi-pay arrangements may be available for large groups.

Does the plan cover international hospitalization?

Standard Indian group health plans cover treatment in India only. International covers are available as add-ons for corporate travel or global teams.

Sources:

Care Health Insurance Official Group Insurance Page Industry HR Analytics Reports India 2024-25