Care Health Insurance Plan

Care Health Insurance, previously Religare Health Insurance, provides a wide variety of insurance plans. These range from comprehensive plans to specific plans that provide coverage for senior citizens or mothers-to-be, to coverage for specific illnesses such as cancer, diabetes, heart disease, etc. Each of these plans provide beneficial features that come in handy when faced with a medical situation. The Care policy is a comprehensive health insurance plan for the entire family.

Features & Benefits of Care Care:

These are the value-added features and benefits of the Care Comprehensive Health Insurance Plan:

Entry Age Individual: 5 years Floater: 91 days if one insured person is above 18 years old
Basis Individual / Family floater health insurance
Policy Period One/ Two or Three Years, Grace period: 30 days
Renewability Lifelong
Sum Assured Starting from Rs.3 lakh to Rs.75 lakh
Premium Starting from Rs.10,302 for Rs.3 lakh sum assured for 5-year-old to 24-year-old male
Discount 10% discount on 3-year policy term and 7.5% discount on 2-year policy terms.
Co-Payments Co-payment applicable if the person is more than 61 years at the time of first buy of a policy less than Rs.3 lakh.
  • Pre-and Post-hospitalization:
  • 30 days before you get admitted to a hospital and 60 days after
  • Ambulance expenses
  • Organ donor medical expenses
  • Domiciliary hospitalization
  • Flexibility to increase policy’s Sum Insured even later
  • Daily allowance of Rs. 500 up to 5 days in policies of Rs.3 lakh/Rs.4 lakh treatment anywhere for policies of Rs.50 lakh/Rs.60 lakh
NCB Super Add-on
  • The NCB Super add-on will be mandatory for a sum insured of Rs.3 and Rs.4 lakh.
  • If the age of the individual is 45 years and below, the NCB Super add-on will be mandatory for a sum insured of Rs.5 lakh.
  • 540 day care treatments, plus hospitalization expenses if it exceeds a day
  • Cashless treatment at over 15000 network hospitals
  • Auto-recharge of the entire sum insured of your policy
  • Complimentary comprehensive health check-ups for primary policy holder and members covered as adult every year
  • Up to 150% of your sum insured under the No-claim Super Bonus feature
  • 30 days pre and 60 days post-hospitalization expenses covered
  • No cap on expenses like operation theater, doctor/surgeon fees, allied charges, etc.
  • Policies of Rs.5 lakh onwards carry no room rent upper limit
Exclusions Within 30 days of policy commencement, any / undergoing of surgery / diagnosis of diseases, occurrence of event, whose symptoms first occur Pre-existing injuries or ailments diagnosed within 4 years of issuance of first policy Drug or alcohol use/misuse/abuse rehab therapy Treatment of AIDS and HIV Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences Self-inflicted injuries Hospitalization due to war, riot, strike, nuclear weapons External congenital diseases Contact lenses or spectacles


  1. Is maternity cover provided under Care Health Insurance Plan?
  2. Yes, maternity cover of Rs.1 lakh is provided under Care Health Insurance policies that have sum insured of Rs.50 lakh, Rs.60 lakh, and Rs.75 lakh.

  3. Are non-allopathic treatments covered under the Care Health Insurance policy
  4. Yes, non-allopathic treatments are covered according to the plan that has been chosen and for a specified limit. The treatments covered are Ayurveda, Unani, homeopathy, and Siddha.

  5. What is the upper age limit for Care Health Insurance policy?
  6. There is no maximum age of entry for Care health insurance.

  7. What are the add-ons available for the Care Heatlh Insurance policy?
  8. Some of the add-ons available for the Care Health Insurance policy are smart glucometer kit, air ambulance cover, unlimited e-consultation, waiver of co-payments, daily allowance, global coverage for hospitalisation expenses incurred outside India, international second opinions, Covid Care, unlimited automatic recharge, reduction in PED waiting period from 4 years to 2 years, etc.

  9. Can I change the sum insured of my Care Health Insurance plan?
  10. Yes, you can change your sum insured of your Care Health Insurance plan, but only upon renewal of the policy and not in between.

Find cashless network hospitals nearby: Care Cashless Network Hospitals

Other Health Insurance Plans from Care Health Insurance:

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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