One of the leading health insurance providers in India, Care Health Insurance (formerly known as Religare Health Insurance Company Limited) is committed to ensuring that healthcare becomes accessible without any hindrances for people all over. After its launch in 2012, re-branded as Care Health Insurance (Previiously Religare Health) has expanded massively to provide Individual Plan, Family Floater Plans, Senior Citizen and Critical Illness Coverage. A closer look: what you get, how to claim and renew.
Table of Contents
Features of Care Health Insurance
- Low Premiums: Starting at INR 118 per month–> which is quite affordable for all the classes of health insurance users.
- Flexible coverage: you can start with a minimum cover of ₹ 3 lakh and keep increasing the amount as per your requirement.
- Vast Hospital Network: Get a cashless facility with over 24,800 hospitals.
- Quick Claim Settlement: With a claim settlement ratio of 95.2%, Care Health offers cashless claims starting from two hours which ensures that customers are taken care at the time they needHelp!
List Of Care Health Insurance Plans
Care Health Insurance offers a wide range of plans for all lifestyle health insurance needs including general to supertop-up, maternity cover, critical illness and even wellness benefits.
1. Care Supreme
Features: It offers complete coverage including benefits like endless automatic recharge and e-consultations.
Best For: Anyone looking for complete insurance, including family members.
2. Care Advantage
- What is new: Family floater plans covering a wide range of illnesses, most suited for family.
- Coverage: Comprehensive coverage for you and your family under one policy.
3. Care Critical Mediclaim
- Features: The plan provides the protection against 32 critical illness.
- The model will come with sum insured options of Rs. 10 lakh going all the way up to a handsome Rs.
- Suitable Plan for: Individuals who wish to create a financial cushion for critical health conditions.
4. Care Cancer Mediclaim
- Features: Insurance against all types of cancer at every stage — insurance for life.
- Coverage : Sum insured upto Rs. 10 lakh to Rs.2 crore
- Who it is best for: Someone seeking cancer coverage dedicated to long-term protection.
5. Care COVID Care Plan
- Built for: COVID-19 Treatment Costs
- Prepare: Sum insured options between ₹3 lakh and ₹10 lakh on coverage.
- Best For: Someone who needs protection from COVID-19 treatment costs.
Apply with Care Health Insurance
One of the biggest advantages you receive when claiming insurance with Care Health Insurance is no-fuss Cashless Claims benefit.
- Intimate the Hospital helpdesk= You can call up or meet the hospitals help desk at the time of admission.
- Upload Mandatory Documents:eg e-health card and address identification proof.
- Pre-authorization Approval: Get pre authorization from insurer for cashless treatment.
KeyCare Health insurance plans
Care Health Insurance has various plans designed for every life stage and health condition, each of them having distinct features.
Care Classic Plan
- Limits: Sums insured of ₹5 lakh to ₹15 lakhCoverage
- Features: Hospitalization, pre-and post-hospitalization expenses and day care treatments are covered under zone based pricing.
Care Joy Plan
- Cover: Sum Insured options of ₹3 Lakh and ₹5 Lakh
- Covers: Includes maternity expenses (for example, costs of purchasing newborn clothes)
Care Senior Health Advantage
- Coverage opt: Sums insured of ₹5 lakh,₹10 lakh
- Features: customized benefits for everyone who is older than 60 years.
Care Secure Personal Accident InsuranceCover with Immediate Payout in the Event of 13 Major Accidents4.
- Coverage: INR 10 lakh to ₹25 crore|;
- Characteristics: Decide to start on fields for unintentional physical wounds and demise.
Renewing Your Care Health Insurance Policy
It is essential that you renew your health insurance policy timely to keep the coverage uninterrupted. Can I renew my Care Health Insurance online or offline?
Online Renewal Process
- Go to the Website: Access to the official website of Care Health Insurance, or partner platforms such as Policybazaar.
- Go to the Section of Renewal: Select ‘Renew’
- Fill in Policy Details: Enter policy number, registered mobile no. and DOB
- Check premium, confirm details and make payment through credit card/debit net banking.
- Get Confirmation: Renewal confirmation over mail after payment is processed.
Offline Renewal Process
- Visit the nearest branch of Care Health Insurance: Visit to a nearby establishment of Car insurance for policy renewal support.
- Customer Support: Reach out to customer care for assistance with the renewal process.
Documents Needed for Renewal
- Policy Renewal Form which should be filled and signed
- ID proof and address Proof(dully certified e.g. Aadhar Card/ Voter ID/ Utility Bill)
- Previous policy details.
- Reports for medical check-ups, if done.
Customer Support and Contact Information
Care Health Insurance offers multiple ways to reach their customer service team, making it easy for policyholders to get assistance:
- Sales Toll-Free: 1800 102 4499
- Service Toll-Free: 1800 102 4488
- Customer Care: +91 22 4890 3009
- Email: customerfirst@careinsurance.com
- WhatsApp: 8860402452
The “Request a Call Back” feature on their website also provides a convenient way to get personalized support.
Conclusion
Care Health Insurance is a trusted partner in the scenario of health insurance offering one of its kind plans and hospital network, along with speedy claim settlements. From basic coverage to critical illness protection and policies for specific health needs, Care Health Insurance provide plans to suit varied requirements. Easy renewal and round the clock support ensures that policyholders can retain control of their policies with assurance.
FAQs-
What is the ranking of Care Health Insurance?
Care Health Insurance is ranked as the second largest standalone health insurer and the eighth largest player in the overall health insurance segment in India. It has a market share of approximately 5.16% based on gross direct premiums underwritten1. Additionally, it boasts a 100% claim settlement ratio for FY 2023-24, making it one of the top companies in terms of claim efficiency.
Who is TPA for Care Health Insurance?
The Third Party Administrator (TPA) for Care Health Insurance is Care Health Insurance TPA, which facilitates the claim settlement process and provides cashless treatment options for policyholders. They assist in managing claims and ensuring smooth communication between the insured and the insurer during hospitalization.
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