Care Health Insurance Review 2025

Care Health Insurance Review 2025

Care is a well-known health insurer in India. It was earlier known as Religare and was rebranded in 2012. Since then, it has been offering affordable yet feature-packed health insurance plans.

Care also has a good claim settlement record, with an average of 93.13% (FY 2022–25). However, their complaint volumes are high (42 per 10,000 claims). This indicates that the claim process can sometimes be less smooth.

Care Health Insurance has a good solvency ratio of 1.68x, indicating decent financial performance, and a network of 11,400+ hospitals.

Overall, Care Health Insurance stands out for affordability and features.

Pro tip: The health insurance market can be a labyrinth. Instead of spending hours navigating through the hundreds of policies out there, why not book a free call with our expert IRDAI-certified advisors? We don’t spam or pressure you to buy. Just honest insurance advice.

Key Features and Benefits of Care Health Insurance

Here are some features, such as the benefits and drawbacks of Care:

Pros of Care Health Insurance

1) Affordable Plans:
Care Health Insurance is well-regarded for its budget-friendly policies, making it an attractive option for many people looking for health insurance without breaking the bank.

2) No Loading Charges:
One of its unique selling points is the absence of loading charges, even for policyholders with pre-existing conditions. This means that, unlike other insurers that might charge higher premiums for individuals with health issues, Care Health maintains consistent premiums.

3) Comprehensive Coverage:
Most Care Health Insurance’s plans often come with features such as no room rent limits, no copayment, and options for add-ons that enhance coverage, making their products quite attractive to a broad audience.

Cons of Care Health Insurance

1) Increased Complaint Volume:
Recently, there has been a rise in Care Health Insurance’s complaint ratio. Currently, Care’s complaint volume is 42 for every 10k claims, up from 29 in the year 2021. This trend can be worrisome for potential policyholders, as high complaint volumes often point to dissatisfaction with the claims process. As always, we hope that it gets better in the near future.

2) Corporate Governance Concerns:
Another factor worth noting is the ongoing ownership and governance dispute involving Care Health’s promoter entity, Religare Enterprises. While these matters have not directly impacted policyholder claims, such uncertainty at the parent-company level can raise questions about long-term stability.

3) Tensions with Network Hospitals:
Several hospitals across major cities in India temporarily suspended cashless services with Care Health Insurance due to operational issues. If issues like this become consistent, hospitals may potentially blacklist the insurer and may not work with them.

Claim Settlement Ratio of Care Health Insurance

CSR is given by calculating the percentage drawn from the ratio of the total number of claims settled against the total number of claims filed to an insurer across a single year.

Here’s how Care’s CSR metrics fare over the years:

Ditto’s Take:
As you can see, Care’s claim settlement ratio is above the industry average. However, it may not top the charts when compared to giants like HDFC ERGO and Aditya Birla. Still, it continues to perform well within industry averages, making it a reliable and competitive player in the market.

Incurred Claim Ratio of Care Health Insurance

The Incurred Claim Ratio (ICR) measures the total amount of claims paid by the insurance company against the total premium collected during a financial year.

Here’s how Care’s ICR metrics fare over the years:

Ditto’s Take:
While 58% falls within the ICR Goldilocks zone (50-80%), we must also consider other aspects of the insurer's functions. This will give a more holistic view.

In case you need a better understanding, you can always feel free to book a call with our insurance experts at Ditto, and we will explain everything in an unbiased and in-depth manner.

Care Health Insurance: Customer Service & Support

As mentioned earlier, Care Health Insurance has a significantly higher volume of complaints and this directly affects customer service. Here’s how it compares against its peers:

Ditto’s Take:
Care has consistently had a higher complaint volume compared to the overall industry average of its peers like HDFC ERGO and Aditya Birla health insurance in 2023-25.

Care Health Insurance: Contact Details and Address

Care Insurance Toll-free number: 1800-102-4488

Website: https://www.careinsurance.com/

WhatsApp Bot: 8860402452

Address: 
Reg Office - Care Health Insurance Limited, 5th Floor, 19, Chawla House, Nehru Place, New Delhi-110019 | CIN - U66000DL2007PLC161503

Correspondence Address:
Care Health Insurance Limited, Vipul Tech Square, Tower C, 3rd Floor, Golf Course Road, Sector – 43, Gurugram – 122009 (Haryana).

Note: If you bought your policy via Ditto Insurance, we will handle everything for you.

If you have a general query, please don't hesitate to contact us at help@joinnditto.in or the advisor who helped you purchase the policy.

If you need to make a claim, you can click here, and our claims team will be in touch with you (don’t worry, we work 24/7).

Note: Premiums in the above table are for a healthy, 25-year-old male, non-smoker, living in a tier 1 city, with no pre-existing diseases. Mandatory riders are added.

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Should you go for Care Health Insurance? Ditto's Take

Full Disclosure, Care Health Insurance is a partner of Ditto and part of the recommendations list. Even though complaints are higher, our experience with them till now has been decent on the claims and post-sales support front.

So if you are looking for an affordable policy with multiple customisation points via add-ons, Care is a great pick. However, we recommend you also factor in the insurer’s complaint volume before finalising a health insurance plan from this stable.

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