Care Health Insurance Hospital List: 11,400+ Hospitals

Overview

Care Health Insurance provides access to a network of 11,400+ cashless hospitals across more than 1,450 cities in India. You can find the entire Care Health Insurance hospital list using the official hospital locator. That said, hospital availability can vary depending on whether you're in an urban or rural area, the state you're in, and the insurer's claim experience in that region, which directly influences their hospital tie-ups.

Apart from network hospitals, we at Ditto also look at Care Health’s operational metrics, such as the claim settlement ratio (CSR), which was 93.13%, and the incurred claim ratio (ICR), which was 58.68% for FY 2022-25.

This guide is for anyone with a Care Health policy who wants to find a nearby cashless hospital and understand how the claims process works.

Most people buy health insurance and never check the hospital list. Then an emergency strikes, and the nearest hospital doesn’t accept their policy. Suddenly, they’re paying out of pocket and filing for reimbursement, which is exactly what insurance is supposed to help you avoid.

This is where the Care Health Insurance cashless hospital list becomes useful. It helps you check which hospitals can offer cashless treatment before you plan admission or face an emergency. Instead of paying out of pocket and chasing reimbursements for weeks, you can have eligible bills settled directly, subject to policy terms.

Free Care Health Insurance Hospital List PDF Download

We've compiled the full Care Health Insurance network hospital list PDF for your convenience. You can find it below:

Care Network Hospital List Ditto

Care Network Hospital List Ditto.pdf

3 MB

Note: Hospital lists are constantly changing, and facilities can be added to or removed at any time. Always cross-check with the official locator before planning a treatment.

How to Find the Care Health Insurance Hospital List Online

The most accurate and up-to-date source is the official Care Health Insurance hospital locator on their website.

Step 1: Visit the official website of Care Health Insurance.

Step 2: When you scroll down to the network locator, a pop-up shows up asking if you’re a bank customer or a retail customer.

Step 3: Select “others,” then search for cashless network hospitals in your area by state or city, or by the treatment you need.

Types of Care Health Insurance Hospitals

Network Hospitals

Both cashless and reimbursement options are available in network hospitals. These facilities have an active tie-up with Care Health Insurance. You can walk in, show your health card or policy number, and Care settles the approved bill directly with the hospital. You do not need to pay upfront for covered expenses.

Smart Select Hospitals

If you choose the Smart Select optional add-on, you get a reduction on your total policy premium. This means if you are treated at a hospital outside the Smart Select list, you bear a 20% copayment on that claim, in addition to any other copayment already applicable to your policy. Stick to the hospitals on the Smart Select list, and no additional copayment applies.

Surgical-Only Hospitals

Care Health Insurance has specialized surgical-network hospitals that focus on specific procedures, such as ophthalmology, orthopedics, or oncology, rather than general or emergency care. For example, in Bengaluru, hospitals like Nethradhama Super Specialty Eye Hospital fall into this category. Cashless treatment is available here, but only for the procedures they specialize in.

GIC Common Empaneled Hospitals

The General Insurance Council (GIC) is building a common empanelment model in which hospitals sign a single agreement with the council and all 32 general and standalone health insurers, rather than separate contracts with each insurer. For you as a patient, this means wider hospital access, standardized package rates, faster cashless approvals, and less confusion over your final bill. It is still being rolled out, but GIC-empaneled hospitals already offer consistent cashless treatment, regardless of your insurer.

Non-Network Hospitals

If you get treated at a hospital outside the Care network, you pay the bills yourself initially. After discharge, you submit all the documents to the insurer for reimbursement, typically within 15 to 30 days. But a cashless option may be available under the Cashless Everywhere scheme, subject to terms and conditions.

Blacklisted Hospitals

These are hospitals that have attempted to defraud the insurer in the past. Treatment in such hospitals is allowed only in case of emergencies and until the person is stable. You can check the list of blacklisted hospitals on the official website, which is updated in real time.

Did You Know?

Even with a cashless claim, the hospital may ask you to pay a small deposit at admission. This amount is usually refunded or adjusted at discharge.

As per IRDAI's Master Circular on Health Insurance, the insurer must decide on cashless authorization within 1 hour of receiving the request, and give final discharge authorization within 3 hours of the hospital's request.

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How to File a Claim at Care Health Insurance Hospitals?

Cashless Claims

Step 1: Check the Care Health Insurance cashless hospital list to confirm whether the hospital is part of the network. For planned hospitalizations, inform Care at least 48 hours before admission. For emergencies, inform within 24 hours of getting admitted.

Step 2: At the hospital, head to the insurance help desk. Present your health card along with a valid government ID (Aadhaar or PAN).

Step 3: The insurance desk personnel completes the pre-authorization form and submits it to Care, along with your documents, for approval.

Step 4: Care reviews the request. If any information is missing or incomplete, they will follow up with the hospital directly.

Step 5: Care sends its pre-authorization decision to the hospital based on your policy terms and sum insured. If approved, an authorization letter is issued detailing the sanctioned amount and any specific conditions.

Step 6: After your treatment is complete, the hospital submits the discharge summary and all related documents to Care for final approval.

Step 7: Care assesses the bills against your sum insured and plan terms, then settles the approved amount directly with the hospital. You only pay for expenses not covered under your policy, such as consumables or non-medical items.

Key Insight

If your cashless request is declined, it does not mean your claim is rejected or that treatment is denied. You can still go ahead with treatment, pay the bills, and file for reimbursement afterward.

Reimbursement Claims

Step 1: Get treated at any recognized hospital and pay the bills yourself.

Step 2: Collect all original documents before leaving the hospital, including bills, the discharge summary, diagnostic reports, and prescriptions.

Step 3: Download the reimbursement claim form from the Care Health Insurance Self-Help Portal or the Care Health app. Fill it out carefully and attach all supporting documents within 15 days of discharge.

Step 4: Care's claims team reviews the submission and processes the reimbursement in accordance with your policy terms.

What if Your Claim Gets Delayed?

Under IRDAI regulations, your insurer must acknowledge complaints within 15 days. If Care does not resolve the issue within the stipulated time, you can escalate to the Insurance Ombudsman in your region. Ditto's dedicated claim support team can help you navigate this process if the policy was purchased through Ditto.

Why Choose Ditto for Health Insurance?

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Conclusion

Care Health Insurance has 11,400+ cashless healthcare providers across India, backed by a claim settlement ratio of 93.13% for FY 2022-25. That's a strong combination.

That said, always prefer cashless claim settlements, and confirm that your preferred hospitals are in the network before buying a plan. If you are considering the Smart Select add-on for a premium discount, make sure the hospitals are actually convenient for you, the 20% copayment on out-of-network treatment will cost you more than what you saved. Before finalizing any policy, look at Care Health Insurance reviews, compare claim support and operational metrics with other insurers, along with customer support and network hospital coverage.

Frequently Asked Questions

What is the claim settlement ratio for Care Health Insurance?

The Claim Settlement Ratio (CSR) is a primary indicator of an insurer’s reliability in paying out claims to policyholders. For the financial years 2022 to 2025, Care Health Insurance recorded a Claim Settlement Ratio of 93.13%. A high CSR typically suggests that the insurer is efficient in its claim processing and less likely to reject valid claims without cause. When choosing a facility from the Care Health Insurance network hospital list, this ratio provides additional confidence that the insurer will handle your medical expenses smoothly.

What are the documents required for Care Health Insurance cashless claim?

To process a cashless claim at any of the 11,400+ network hospitals, you must present specific documentation at the hospital's insurance help desk. These include your digital e-health card, a valid government-issued ID, such as an Aadhaar card or passport, and a completed pre-authorization form provided by the hospital. You might also need to provide relevant medical records or doctor’s prescriptions related to the specific treatment. Having these documents ready ensures the pre-authorization request is submitted promptly, helping the insurer approve the cashless facility without any unnecessary administrative delays.

What is the difference between network and non-network hospitals in Care?

The main difference between network and non-network hospitals is the payment method used for your medical treatment. At a network hospital affiliated with Care Health Insurance, you can use the cashless treatment facility, where the insurer pays the bills directly. At a non-network hospital, you must pay the full bill yourself and then apply for reimbursement. Network hospitals have pre-negotiated rates with the insurer, which often leads to faster claim processing and significantly less paperwork for you compared to the reimbursement process.

Are Care Health Insurance reviews good for cashless treatment?

Generally, Care Health Insurance reviews highlight the efficiency of their cashless network, which covers over 11,400 hospitals. Many policyholders appreciate the fast approval times, with some cashless claims being processed in as little as 45 to 60 minutes. However, the company’s claim settlement ratio, which stood at 93.13% for the recent financial cycles (FY 2022-25), is a primary reason for positive feedback. While some users find the reimbursement process for non-network hospitals slightly slower, the overall consensus is that the digital-first approach makes managing claims at network hospitals very convenient and stress-free.

What is the Care Health Insurance cashless hospital list?

The Care Health Insurance cashless hospital list is a curated network of medical providers where policyholders can receive treatment without paying the bill upfront. Care Health Insurance maintains a network of 11,400+ hospitals and coordinates directly with each hospital's insurance desk to settle eligible expenses. This facility is designed to reduce the financial burden on families during medical emergencies. To use this facility, you must present your digital health card and a valid government ID at the hospital’s insurance desk within the stipulated timelines for approval.

Can I go to a non-network hospital with Care Health Insurance?

If you receive treatment at a non-network hospital, you will not be eligible for a cashless facility. In this situation, you must pay all your hospital bills out of pocket at the time of your discharge and then file for a reimbursement claim later. You will be required to submit all original bills, discharge summaries, and prescriptions to the insurer for thorough verification. While Care Health Insurance has 11,400+ cashless hospitals, using a non-network facility means you must handle the full financial responsibility and the subsequent paperwork yourself after the recovery.

Does Care Health Insurance have surgical-only hospitals?

Yes, the Care Health Insurance hospital list features specialized surgical-only hospitals that focus on specific medical procedures, such as oncology, orthopedics, or ophthalmology. For instance, in Bengaluru, Nethradhama Super Specialty Eye Hospital is a network facility that offers cashless treatment only for specialized eye procedures, not general medical care. These facilities are ideal for planned surgeries but may not be equipped for general emergencies. You should always verify if a hospital is a full-service network provider or a surgical-only facility before proceeding with your medical admission or surgery.

Is there a penalty for using a Non-Smart Select hospital?

If your policy includes the Smart Select add-on, you are encouraged to use a specific subset of the Care Health Insurance network. If you choose to undergo treatment at a hospital not on this Smart Select list, a mandatory 20% copayment is applied to the final claim amount. This means you will have to pay 20% of the admissible claim out of your own pocket, regardless of your other policy terms. It is a policy term designed to lower your premium while encouraging the use of cost-effective network facilities.

Last updated on: 3 May, 2026