Care Health Insurance – Plans, Reviews & Benefits

Care Health Insurance (पहले Religare Health Insurance) भारत की प्रमुख स्वास्थ्य बीमा कंपनियों में से एक है, जो किफायती प्रीमियम में व्यापक स्वास्थ्य कवरेज प्रदान करती है। 10,500+ नेटवर्क अस्पतालों और 91%+ क्लेम सेटलमेंट रेशियो के साथ, यह परिवारों के लिए एक उत्कृष्ट विकल्प है।

Why Choose Care Health Insurance?

Care Health Insurance चुनने के कारण:

• Affordable Premiums: 15-20% lower than competitors for similar coverage
• No Claim Bonus: Up to 150% NCB - industry highest
• Extensive Network: 10,500+ cashless hospitals
• Quick Claim Settlement: 91%+ claim settlement ratio
• Restore Benefit: 100% sum insured restoration available
• International Coverage: Available in select plans

Best Care Health Insurance Plans 2026

1. Care Health Protect (Most Popular)

परिवारों के लिए सबसे लोकप्रिय प्लान:

• Coverage: ₹4 lakhs to ₹6 crores
• Age: 5-65 years entry (lifelong renewability)
• Key Benefits:
  • No room rent capping
  • Unlimited restore benefit
  • 150% cumulative bonus
  • Covers 586+ daycare procedures
  • Air ambulance up to ₹5 lakhs
• Premium: Starting from ₹4,500/year

2. Care Supreme (Premium Plan)

सबसे व्यापक कवरेज:

• Coverage: ₹5 lakhs to ₹6 crores
• Unique Features:
  • Global coverage for planned treatment
  • Annual health check-up
  • Second medical opinion
  • OPD cover (optional)
  • Maternity cover with 3-year waiting

3. Care Freedom (No Pre-Medical Test)

बिना मेडिकल टेस्ट के योजना:

• Age: 18-65 years
• Coverage: ₹3 lakhs to ₹10 lakhs
• Highlights:
  • No medical tests required
  • Simple health declaration
  • Quick policy issuance

4. Care Senior (60+ Years)

वरिष्ठ नागरिकों के लिए:

• Entry Age: 60-80 years
• Coverage: ₹3 lakhs to ₹10 lakhs
• Benefits:
  • Pre-existing diseases covered after waiting period
  • No age-related premium loading
  • Automatic restoration

Care Health Insurance Claim Process

Care Health Insurance क्लेम प्रक्रिया:

Cashless Claim:

1. Visit network hospital and show Care Health card
2. Hospital sends pre-authorization to Care Health
3. Approval received within 2-4 hours (planned) / 30 mins (emergency)
4. Get treatment - insurance pays hospital directly
5. Pay only non-covered expenses at discharge

Reimbursement Claim:

1. Get treatment at any hospital
2. Collect original bills, discharge summary, reports
3. Fill claim form and submit within 30 days
4. Documents verified by Care Health team
5. Amount credited within 7-10 days

Documents Required for Claim:

• Claim form (duly filled)
• Policy copy / Health card
• Hospital bills (original)
• Discharge summary
• Investigation reports
• Prescription copies
• ID proof and bank details

Care Health Insurance Premium Comparison

Plan	Sum Insured	Individual (30 yrs)	Family of 4
Care Protect	₹5 Lakhs	₹4,500/year	₹9,500/year
Care Protect	₹10 Lakhs	₹6,500/year	₹13,500/year
Care Supreme	₹10 Lakhs	₹8,000/year	₹16,000/year

Care Health Insurance Reviews

Pros:

• ✅ Most affordable premiums in the market
• ✅ Highest NCB (No Claim Bonus) - up to 150%
• ✅ Unlimited restore benefit in Care Protect
• ✅ No room rent capping in most plans
• ✅ Good claim settlement ratio (91%+)

Cons:

• ❌ Smaller hospital network compared to Star Health
• ❌ Pre-existing disease waiting period is 3-4 years
• ❌ Some plans have co-payment clause

Care Health vs Star Health

Feature	Care Health	Star Health
Network Hospitals	10,500+	14,000+
Claim Settlement Ratio	~91%	~94%
Premium (₹5L cover)	₹4,500/year	₹5,500/year
NCB Benefit	Up to 150%	Up to 100%
Restore Benefit	Unlimited	100%

Care Health Insurance Customer Care

Care Health ग्राहक सेवा संपर्क:

• Toll-Free: 1800-102-4488
• Email: customercare@careinsurance.com
• Mobile App: Care Health App
• Website: www.careinsurance.com

Buy Care Health Insurance Through Sampurn Insurance

Sampurn Insurance Advisor के माध्यम से Care Health Insurance खरीदें:

• Expert guidance on choosing the right plan
• Premium comparison across insurers
• Help with documentation
• Lifetime claim assistance
• Renewal support

Contact us: +91-9425051306 | Offices in Indore & Dhamnod