Care Health Insurance Plans 2026

Quick Overview

Care Health Insurance Plans offer flexible and wellness-focused health coverage for individuals, families, and senior citizens. The insurer offers options for a high sum insured and useful add-ons. These plans are designed to meet different healthcare needs while keeping premiums competitive. The insurer offers comprehensive plans like Care Supreme and Care Ultimate.

Care Health Insurance (formerly Religare) is a leading standalone health insurer in India. In addition to health insurance, the insurer also offers travel, personal accident and group insurance. This guide walks you through the plans offered by Care Health, its premiums and whether it aligns with your medical needs.

With over 260 branches, Care Health has operated for over 13 years and has built a broad footprint across India. The insurer has a network of over 11400+ hospitals across the country for cashless treatment

Care Health Insurer Performance Metrics

Metrics/Values	FY 22-23	FY 23-24	FY 24-25	Avg of FY 22-25
Claim Settlement Ratio (CSR)	90.03%	92.61%	96.74%	93.13%
Incurred Claim Ratio (ICR)	53.82%	57.69%	64.53%	58.68%
Annual Business Volumes/GWP (in Crores)	₹5,142	₹6,864	₹8,318	₹6,775
Volume of Complaints per 10,000 claims	40.00	39.00	47.00	42.00

Insights:

The increase in CSR from 90.03% to 96.74% ( well above Ditto's recommended range of more than 90%)shows better claims handling efficiency over time.
The ICR has moved up each year, which indicates higher claim payouts as business and utilization grow. The ICR figures are between Ditto’s recommended range of 50% to 80%.
Rising annual business reflects strong customer acquisition and market expansion.

Note: Complaint levels have been high, indicating that service quality can be improved as the scale increases. Having said that, Care Health is usually receptive to escalations and reviews cases on their merits.

Real Claim Scenario

In a Care Supreme claim we handled at Ditto, the child’s myopia was disclosed in the application form, and the policy was issued without any pre-existing disease (PED) waiting period. After 1 year, during an AYUSH hospitalization reimbursement, Care initially declined the claim by treating myopia as a Pre Existing Disease. Our claims team shared the application form showing the disclosure and pointed out that Care had not sought any additional medical information during underwriting. After reviewing the case, the insurer approved the claim.

Types of Care Health Insurance Plans

Type	Plan
Family Health Insurance	Care Supreme & Care Ultimate
Senior Citizen Health Insurance	Care Supreme - Senior Super plan
Maternity Insurance	Care Joy Today & Care Plus Complete
Critical Illness Insurance	Care Super Mediclaim & Care Assure
Super Top Up	Care Supreme Enhance Super Top-up

Care Health Insurance Plans List

Plan	Feature	Add-ons	Best For
Care Supreme	The policy has no co-pay, room restrictions, or any kind of disease-wise sub-limits, and covers pre-hospitalization expenses for up to 60 days and post-hospitalization expenses for up to 180 days.	Reduction in PED, instant cover, and instant cover plus. You can also opt for a cumulative bonus booster and wellness benefits.	People who are looking for a budget-friendly, customizable health cover with shorter waiting periods, even if they have pre-existing conditions.
Care Ultimate	No co-pay or room limits. Your cover grows by 50% yearly (up to double), even after claims. It includes AYUSH, home treatment, day-care, and 60 days pre- and 90 days post-hospitalization costs.	You can opt for standout add-ons like premium payback and tenure multiplier. You can also opt for an infinity bonus and OPD Benefit.	Strong option for those who value growing coverage and loyalty rewards.
Care Freedom	You must pay 20% of every hospital bill if you’re under 70, and 30% if you’re 71 or older. Includes domiciliary hospitalization (Up to 10% of SI covered after 3 days) and day-care procedures.	You can opt for care OPD, health check+, home care, and ₹25,000 aggregate deductible	People with chronic conditions and does not require pre-policy medical tests.
Care Supreme Enhance Super Top up	The policy has no co-pay or any disease-wise sub-limits. Your sum insured increases by 10% every year, per claim-free year, but the bonus stops when the SI increases by 100%	You get to opt for room rent modifier, air ambulance and unlimited care	An attractive option for individuals seeking to significantly boost their base health cover with high sum insured options between ₹20 lakhs and ₹1 crore.

CTA

Besides the above-listed plans, download the PDF to learn about other health policies offered by Care Health. The PDF consists of care health insurance plans for family, senior citizens, maternity cover and individuals.

Care Health Policies

Care Health Policies.pdf

7 MB

Annual Premiums Across Profiles and Plans

Profile	Care Supreme	Care Ultimate	Supreme Enhance Super Top up
Individual (Age-25)	₹15,111.24	₹13,635	₹2,023
Couple(Age 30 and 32)	₹21,527.77	₹16,232	₹2,753
Couple and child (Age - 30,32, and 5)	₹27,160.79	₹20,610	₹3,008
Senior citizen couple(Age - 63 and 61)	₹78,923.17	₹54,648	₹19,518

Note: Listed annual premiums are for a sum insured of ₹15 lakh, residing in Delhi. The premiums for Care Supreme include add-ons like cumulative bonus super, annual health check-up, claim shield plus, wellness benefit & air ambulance. The premiums for Care Ultimate include the claim shield add-on. The premiums can also vary according to the medical underwriting and the city you reside in. Annual premiums for Supreme Enhance Super Top up are for a ₹93 lakh sum insured with a deductible of ₹7 lakh.

Why Approach Ditto for Health Insurance?

At Ditto, we’ve assisted over 8,00,000 customers with choosing the right insurance policy. Why customers like Pallavi below love us:

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Confused about the right insurance? Speak to Ditto’s certified advisors for free, unbiased guidance. Book your call or chat with us on WhatsApp now, slots fill up fast!

Ditto’s Take on Care Health Plans

Care Health offers comprehensive plans like Care Supreme, which is one of our top recommendations at Ditto. Their flexible plans and customizable waiting periods make them a trusted choice, despite a moderate complaint volume. The insurer offers add-ons like a reduction in the PED waiting period and Claim Shield Plus, which customize your health policy.

Disclaimer: Care Health is our partner. If you’d like expert advice on whether their health plans fit your medical needs, book a call with us. You can also explore our comprehensive health insurance plans for 2026 to compare options and choose what suits you best. Learn more about how we evaluate health plans through Ditto’s Cut.

Note: All information in this article is based on publicly available sources and Care Health’s official website. You must speak to a licensed advisor before making any insurance decisions.

Frequently Asked Questions

Are Care Health insurance plans good for senior citizens?

Care Health offers dedicated senior citizen health plans with options like OPD cover and options to reduce waiting periods for PEDs. These plans provide flexible features and can be suitable for older adults who need structured health coverage, depending on medical history and budget.