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care Insurance Plans Care Group health insurance

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Care Health Insurance offers medical coverage inclusions that are customized to suit the individual needs of any organisation or group.

Care health insurance highlights

  • Covers more than 540 Day Care treatments
  • Inbuilt Maternity coverage of upto ₹ 1 lac under specific plans
  • Life Time Renewal of all policies + No Upper Entry Age limit for all plans
  • Avail treatment anywhere in the world for 12 defined major illnesses under "Care Anywhere" on Cashless basis
  • Additional Features like Tax Benefit under section 80D , Auto Recharge of Policy Sum Insured, as well as an option to avail Personal Accident Cover
  • Covers Non Allopathic treatment like Ayurveda, Homeopathy, Unani & Sidha (AYUSH)
  • Coverage for Modern Treatments like Robotic Surgery, HIV/AID
  • Up to 150% increase in Sum Insured With No Claim Bonus with NCB Super in 5 consecutive claim free years
  • Cashless & Hassle-free direct claim settlement with us at 7400+ Hospitals

Care health insurance reviews

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Sum Insured

USD 4lacs/600Lac

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Claims settlement ratio **

86.63%

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Incurred claims ratio

59.00%

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Number of policies issued *

1,178,380

person
Number of lives covered *

7,342,207

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List of Network Hospitals

19,000+ hospitals

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Tenure Options

1, 2, 3 years

* As per IRDAI report  |   ** As per NL25 data published on the Insurance Company website

Care health insurance benefits

  • Care group health insurance – Optional extensions

    Care Group Care plan offers various optional extensions, some of which are listed below
    • Pre – Post Hospitalization
    • Domestic Road Ambulance
    • Maternity
    • Donor Expense
    • Second Opinion , OPD, Dental care
    • Domiciliary Treatment
    • Alternate Methods of treatment
    • Corporate Floater
    • Floater and sub floater
    • Premium Instalment facility
    • Modification of wait period
    • Co-payment and deductible
    • HIV Cover
    • Cover Extension outside India

  • Care group policy health insurance – Holistic (Comprehensive) Cover

    • In-patient Cover
    • Day Care Surgeries

  • Care group health insurance – Care group care plan

    • Flexible and comprehensive
    • Care Health offers in-house claims management services
    • Client focus being our core philosophy, Care Health partners with preferred TPAs as well.

Care health insurance FAQ's

Some of the key reasons for investing in a Care Health insurance policy are:
  • Increase in the incidence of lifestyle-related illnesses - Sedentary lifestyle, unhealthy eating habits, increasing pollution and high stress levels are the growing norm day by day giving rise to chronic diseases like cancer, lung conditions and stroke, claiming younger lives.
  • Increase in Treatment expenses - With the healthcare industry in India witnessing double-digit inflation, it is getting extremely expensive to treat ailments in India both for regular medical as well as specialised medical conditions.
  • Group health cover may not be sufficient - Group employer plans, rarely have sufficient coverage to meet medical expenses incurred in many cases. In the event of switching jobs or remain unemployed, an individual an remain exposed to financial risks from medical exigencies.
  • Health insurance coverage is more than just hospitalization - Many health insurance plans nowadays give coverage for day care procedures and OPD, cover for pre and post-hospitalisation, as well as doctor consultations, tests and medicines which are incurred during this period. There are also health plans that cover vector-borne diseases like dengue. Domiciliary treatments, Ayurveda, Unani, Siddha and Homeopathy (AYUSH) are also covered by the best health insurance plans in India.
  • Credit Shield - Not everyone retains a high bank balance or cash at home for facing unforeseen medical emergencies. Hence having Health insurance helps one protect themselves from having to pay for treatment arising out of a sickness/accident and allows the health insurance policy to take over especially since the Care plans also offer Cashless facilities.

The Co-payment under the Care plan is as follows:
  • During purchase of the first policy, if eldest member insured is
    • Below 61 years, no co-payment is applicable.
    • 61 years or above, 20% of the claim amount under the policy has to be borne by the insured

Health insurance is also an investment best made the individual is young and healthy. The key reasons why one should purchase a Care Health policy at a young age is :
  • Lower premium – Premiums are much lower when at a younger age.
  • Waiting Periods – Care health insurance plans come with waiting periods of 30 days to 48 months – better to serve the waiting period when younger
  • Rise of lifestyle diseases among the youth- Increasing sedentary lifestyles among the younger generation, many of them are getting predispositioned to lifestyle illnesses like obesity, respiratory and heart diseases.
  • Employer provided health cover may not be enough
  • Tax savings

More FAQ's

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Policy wordings

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Compare Care health insurance with other popular companies

Care vs HDFC ERGO health Care vs Bajaj Allianz Care vs Bharti AXA Care vs Chola MS Care vs Future Generali
Care vs Digit Care vs HDFC ERGO Care vs IFFCO Tokio Care vs Kotak General Care vs Manipal Cigna
Care vs Niva Bupa Care vs New India Care vs Oriental Care vs Raheja QBE Care vs Reliance
Care vs Royal Sundaram Care vs Star Health Care vs SBI General Care vs Tata AIG Care vs Universal Sompo

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