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Care Health Insurance

(Religare is now Care)

Care (health-insurance-product)

Benefits of Care Health Insurance

  • Promoter Synergies: promoted by the founders of Fortis Healthcare and SRL Diagnostics bringing experiences in the field of wellness and healthcare.
  • Wide Network: promises quality treatment at 4100+ leading network hospitals across the country.
  • Settlements: has a good claim-settlement record, which is quite reassuring for potential customers.
  • No-Claim Bonus: for specific products, the no-claim bonus scheme can go up to a whopping 150%.
  • Incurred Claim Settlement Ratio: The incurred claim settlement ratio of Care Health Insurance for F.Y. 2018 – 19 is 55%.
  • No. of members – The plan covers maximum 6 members of your family with up to 2 children and 4 adults.
  • Lifelong Renewal – The plans offered are lifelong renewable hence it saves you from the financial burden and stress caused by a medical emergency and keeps you well prepared to handle any situation.
  • Pre & Post hospitalization cover – The plan covers medical expenses for 30 days prior to hospitalization and 60 days post hospitalization only for related medical expenses.
  • Health Check-ups – Offers free health check-up for insured.
  • Pre-existing diseases – Pre-existing diseases are covered after 4 years of waiting period

Care Cashless Network Hospitals

Care has a strong association with over 5240+ leading hospitals across India which provide cashless facility to the patients. You can locate the nearest network hospital from the official website of Care Health Insurance at Care Insurance.

Care Health Insurance Plan Add On Covers

The following are the add-on covers which come with Care Health Insurance:

  • No Claim Bonus Super – Under NCBS, you can increase your sum insured amount by 50% for every claim free year up to a maximum of 100%. This comes up to a sum assured of 150% in 5 years.
  • Everyday care – For your routine visits to the hospital, Care will provide 1% of your sum Insured for doctor consultation & each diagnostic test.
  • Unlimited Automatic Recharge – Under this add-on cover your sum insured amount if reinstated in your policy every time your sum insured exhausts.
  • Air Ambulance Cover – Care provides air insurance cover in case you need to be treated in a different city from your residence.
  • Personal Accident Cover – You are entitled coverage for Accidental Death and Permanent Total Disability for up to 10 times of the Sum Insured opted.
  • International Second Opinion – This cover takes into consideration in case you require a second consultation before diving into the treatment.
  • Global Coverage – Be it any part of the world, this add-on provides cashless global coverage in any of Care’s network listed hospitals located abroad.

Inclusions in Care Secure Health Insurance Plan

  • Health check-ups.
  • Pre/Post/Domiciliary hospitalization.
  • Recharge of the sum insured.
  • No claim bonus.
  • Alternative and day care treatments.
  • Second opinion/consultation
  • Room rent

Exclusions in Care Secure Health Insurance Plan

  • Any existing disease within 30 days of policy start.
  • Any type of self-inflicted injury.
  • Suicidal tendencies.
  • Alcohol/substance abuse related diseases.
  • Congenital diseases.
  • Infertility/HIV/AIDS.
  • War/Nuclear Fallout/Strikes.
  • Riot/Revolt/Rebellion/Revolution.