Care Health Insurance
Care Health Insurance stands as a beacon of trust, offering a range of plans tailored to diverse needs
Quick
Cashless
Effective
Tax Benefit
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Care Health Insurance
Care Health Insurance began operations as Religare Health Insurance and has grown to become a leading health insurance company in India. The company achieved nationwide trust along with recognition through its commitment to offering innovative solutions combined with customer-centric approaches.
Understanding Care Health Insurance Plans
| Plan Name | Coverage Amount | Eligibility | Add-Ons Available |
| Care Health Insurance Plan | ₹4 Lakh – ₹6 Crore | Entry Age: 5 years – Lifelong | Critical illness cover, maternity benefits, personal accident cover |
| Care Freedom Plan | ₹3 Lakh – ₹10 Lakh | Entry Age: 18 years – 75 years | OPD cover, second medical opinion |
| Care Senior Plan | ₹5 Lakh – ₹10 Lakh | Entry Age: 61 years & above | Domiciliary treatment, AYUSH cover |
| Care Advantage Plan | ₹25 Lakh – ₹6 Crore | Entry Age: 5 years – Lifelong | No-claim bonus, organ donor expenses |
| Care Heart Plan | ₹3 Lakh – ₹10 Lakh | Entry Age: 18 years – 65 years | Cardiac wellness programs, OPD cover |
| Care Joy (Maternity Plan) | ₹3 Lakh – ₹5 Lakh | Entry Age: 18 years – 45 years | Maternity sum increase, vaccination cover |
| Care OPD Plan | ₹25,000 – ₹1 Lakh | Entry Age: 18 years – 65 years | Dental & vision care add-ons |
Why Choose Care Health Insurance?
Selecting a health insurance provider demands thorough analysis before making a choice. Multiple strong reasons make Care Health Insurance your optimal health insurance selection:
- Comprehensive Coverage Options: Care Health Insurance provides customers the flexibility to select among individual plans as well as family floaters and critical illness covers because they maintain a complete coverage selection.
- Extensive Network of Hospitals: A large network of 28400 hospitals provides policyholders complete access to top-quality healthcare with cashless service benefits.
- Customer Service Excellence: The Company maintains excellent customer support and simple claim processes to deliver smooth service experiences to all policyholders.
Key Features of Care Health Insurance Plans
The decision-making process requires knowledge about all features present in health insurance plans
- In-Patient Hospitalization Coverage: The plan covers hospitalization periods longer than 24 hours by paying for these expenses which include room bills and intensive care unit fees and medical treatment costs.
- Pre and Post-Hospitalization Benefits: Health insurance plans include reimbursement of medical cost coverage for consultation visits and diagnostic tests along with prescribed medications for both hospitalization periods and pre and post hospital stay limits.
- Daycare Procedures Coverage: Modern medical treatments that do not require extended hospital stays receive coverage through daycare procedures. Such daycare treatments receive coverage through these plans.
- Domiciliary Hospitalization: The plan supports coverage when patients need medical treatment in the home setting because of their health condition or the shortage of hospital beds during domiciliary hospitalization.
- AYUSH Treatment Coverage: Health costs associated with Ayurvedic and alternative Yoga Unani Siddha Homeopathy treatments get full coverage under the AYUSH system to support holistic medical practices.
Bajaj Allianz Health Insurance Plans
Care Health Insurance Plan
Care Freedom Plan
Care Senior Plan
Care Advantage Plan
Care Heart Plan
Care Joy (Maternity Plan)
Care OPD Plan
Benefits of Choosing Care Health Insurance
Care Health Insurance provides several important advantages to policyholders:
- Cashless Treatment Facilities: Policyholders benefit from cashless treatment at hospitals within a wide network operated by Care Health Insurance.
- No Claim Bonus: The insurance coverage keeps expanding through No Claim Bonus which raises the sum insured when policyholders stay healthy throughout the policy term.
- Annual Health Check-Ups: Annual Health Check-Ups through the plan enable policyholders to receive regular examinations which assist in identifying health risks beforehand.
- Lifelong Renewability: The benefit of lifelong renewability in health policies enables patients to keep their protection active throughout their lives.
- Tax Benefits under Section 80D: Tax benefits from Section 80D apply to health insurance premiums because they qualify for tax deductions that reduce the overall financial burden.
Inclusions & Exclusions in Care Health Insurance Claims
| Inclusions | Exclusions |
| Hospitalization Expenses: Room rent, ICU charges, doctor fees, and medical treatments. | Initial Waiting Period: No non-accidental claims for the first 30 days. |
| Pre & Post-Hospitalization: Covers expenses 30–60 days before and 60–180 days after hospitalization. | Pre-Existing Diseases (PED): Covered after 2–4 years of waiting. |
| Daycare Procedures: Coverage for treatments requiring less than 24 hours of hospitalization. | Cosmetic & Dental Procedures: Excludes plastic surgery, teeth cleaning, and vision correction. |
| Domiciliary Treatment: Treatment at home if hospitalization is not possible. | Self-Inflicted Injuries: Injuries from suicide attempts or substance abuse are not covered. |
| Ambulance Charges: Covers emergency ambulance service costs. | War & Terrorism-Related Injuries: Injuries from war, terrorism, nuclear radiation, or riots are excluded. |
| AYUSH Treatment: Coverage for treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy. | Experimental & Unproven Treatments: Procedures not recognized by medical science are excluded. |
| Organ Donor Expenses: Pays for the insured’s organ transplant surgery costs. | Over-the-Counter Medicines: Illnesses caused by OTC medications are not covered. |
| No Claim Bonus (NCB): Extra coverage for every claim-free year. |
How to Apply for Care Health Insurance Through Fincover?
Users can easily apply for Care Health Insurance through Fincover.com without any significant difficulties.
Step-by-Step Process
- Users should visit Fincover.com to locate the Health Insurance section.
- Point your cursor to Care Health Insurance then input your demographic information including age and income and medical records through the form fields.
- Review diverse Care Health Insurance plans available and select a plan which suits your requirements.
- Submit the application form while attaching required documentation.
- Make the payment securely online.
- Your policy information arrives immediately through an email notification.
What are the Documents Required for Claim Processing?
A fast claim settlement process requires you to prepare the specified documents before submitting your claim:
Cashless Claims:
- Policyholder’s Health Card
- KYC Documents (Aadhaar, PAN)
- Doctor’s Prescription & Medical Reports
- Original Hospital Bills & Discharge Summary
Reimbursement Claims:
- Duly Filled Claim Form
- Original Payment Receipts
- Diagnostic Test Reports
- Pharmacy Bills with Prescriptions
- Bank Details for Reimbursement
Care Health Insurance Network Hospitals
The nationwide network of Care Health Insurance consists of 28400+ hospitals that allow policyholders to receive cashless healthcare without paying out-of-pocket expenses.
Key Benefits of Cashless Hospitalization:
- No out-of-pocket expenses for the insured
- Direct billing between the insurer and hospital
- Get treated at top hospital
How to Find a Network Hospital Care health insurance?
- Visit the official Care Health Insurance website and navigate to network hospital list to find the nearest hospital to your location
- Care Health Insurance has an extensive network hospital list that has more than 24800+ Cashless Healthcare Providers in all major Indian cities and towns. You can check the exact list of hospitals by visiting this link
How to File a Care Health Insurance Claim?
A claim processing at Care Health Insurance is easy and convenient
For Cashless Claims:
- Get admitted in network hospital, and notify the Care Health Insurance helpdesk.
- Fill policy details and id proof to hospital’s insurance counter.
- Care Health Insurance will authenticate and authorize the claim.
- After that the approval, the insurer will pay the hospital directly.
For Reimbursement Claims:
- Pay hospital costs and pick up all medical papers.
- Complete the claim form along with the supporting documents and send it off to Care Health Insurance.
- The insurer checks out the claim and gives the sum to your registered bank account.
How to Calculate Care Insurance Health Insurance Premium?
Care Health Insurance bases premium prices on customer age and insured amount along with medical history data and health insurance plan type. Care Health provides an easy-to-use online premium calculator for users to enter their information and learn how much insurance coverage will cost them.
Follow these steps to find your required premium.
- Head to either Care Health Insurance’s website or go to Fincover.com now.
- Select the insurance policy that matches your needs.
- Begin your experience by providing information about your age and gender then sharing your health records.
- Choose how much insurance you want for your selected period of coverage.
The tool generates an estimated price for insurance coverage after processing your data entries.
Tax Benefits Under Section 80D
Star health insurance policies offer tax deductions under Section 80D.
| Who is Insured? | Maximum Deduction |
| Self, Spouse & Children | ₹25,000 |
| Parents (Below 60 years) | ₹25,000 |
| Parents (Above 60 years) | ₹50,000 |
| Family + Senior Citizen Parents | ₹75,000 – ₹1,00,000 |
Example: If you pay ₹40,000 for family insurance and ₹50,000 for senior citizen parents, you can claim ₹90,000 in tax deductions!
FAQ on Care Health Insurance
1. Who should buy Care Health Insurance?
The insurance solution from Care Health Insurance serves all health coverage needs of both individual persons and those with families and senior citizens.
2. What are the tax benefits of Care Health Insurance?
The Income Tax Act enables you to obtain a tax deduction of up to ₹75,000 through Section 80D.
3. Can I buy Care Health Insurance online?
Visitors can purchase Care Health Insurance through Fincover.com by completing a straightforward online application.
4. Does Care Health Insurance cover pre-existing diseases?
The policy allows coverage during this waiting period which lasts from two to four years depending on the type of plan.
5. How can I track my Care Health Insurance claim?
The Care Health Insurance website lets you track your claim through an online portal while the customer support team provides alternative access by phone.
6. What is the waiting period for Care Health Insurance?
- Initial Waiting Period: 30 days for non-accidental claims.
- Pre-existing Disease Waiting Period: 2-4 years, based on the plan.
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Individual Health Insurance
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Family Floater Health Insurance
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Senior Citizen Health Insurance
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Critical Illness Health Insurance
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Maternity Health Insurance
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Group Health Insurance
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Top-up Health Insurance
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Personal Accident Health Insurance
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Hospital Daily Cash Health Insurance
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Cashless Health Insurance
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1 Crore Health Insurance Plan
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Cashless Health Insurance
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10 Lakhs Health Insurance Plan
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Unlimited Health Insurance Plan
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50 Lakh Health Insurance Plan
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International Health Insurance Plan
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Hospital Daily Cash Plans
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