Care Health Insurance Review

Care Health Insurance began operations in July 2012 (IRDAI Registration Number: 148) as Religare Health Insurance and has since grown into one of India’s largest standalone health insurers. Today, the company caters to individuals, families, and senior citizens, with a sizable presence across the country.

As a standalone insurer, Care’s primary focus is health insurance, which has helped it build a strong position in the segment over the years. But size and experience alone don’t tell you whether an insurer is worth choosing. So, in this review, we’ll take a closer look at Care Health as a company, how it performs for policyholders, and what you should know before buying.

Source: IRDAI annual reports and Care Health’s public disclosures

Key Insights

• CSR: Care Health’s CSR has improved considerably after dropping to 87.03% in FY 2021-22, rising steadily to 96.99% in FY 2025-26. This improving trend is a good sign, as it indicates stronger claim-settlement performance in recent years.
• ICR: Care’s ICR has remained around or within the healthy range of 55% to 85% for more than the past 5 years. This suggests that the insurer is paying out a reasonable proportion of its premiums towards claims while maintaining financial sustainability.
• Annual Business: Care’s annual business has grown consistently from ₹3,991 crore in FY 2021-22 to ₹10,031 crore in FY 2025-26. This strong growth indicates increasing scale, which can support the insurer’s long-term operational stability.
• Complaint Volume: Complaints have risen sharply over the years, from 5.54 complaints per 10,000 claims in FY 2019-20 to 42 in FY 2025-26. This suggests that customers may face issues with claims or servicing.
• Network Hospitals: Care currently offers access to 11,400+ network hospitals, giving policyholders a broad cashless hospital network across the country. This can make it easier for customers to access cashless treatment without relying heavily on reimbursement claims.

Note: If you'd like to explore the detailed figures reported by insurers and the IRDAI in their annual disclosures and public reports, visit Ditto Data Labs, our proprietary repository of health insurance data, meticulously compiled, verified, and maintained by the Ditto team over the years.

Popular Plans Offered by Care Health Insurance

1) Care Supreme

Care Supreme is one of the flagship plans offering a sum insured of ₹5 lakh to ₹1 crore. It is designed for people who want a comprehensive policy with solid base coverage and the flexibility to add extra coverage through add-ons.

Key Features

• 60–180 days pre- and post-hospitalization, and full Sum Insured (SI) coverage for AYUSH, domiciliary, daycare, and modern treatments.
• The inbuilt cumulative bonus offers a 50% increase per annum, up to 100% of the base sum insured, irrespective of claims made.
• Add-ons such as Cumulative Bonus Super and Booster offer enhanced benefits: a 100% increase per annum up to 500% or unlimited accumulation, respectively.
• 100% unlimited restoration on partial or complete exhaustion for the same and different illnesses without any cooling-off period.
• Road ambulance cover is provided up to ₹10,000 for a sum insured below ₹15 lakh, and up to the sum insured for higher sum insured amounts.

2) Ultimate Care

Ultimate Care is Care Health Insurance's latest offering. It is for people who want a comprehensive health insurance plan with strong hospitalization coverage and long-term value. It offers sum insured options ranging from ₹5 lakh to ₹1 crore, with an unlimited SI option as well.

Key Features

• 60 days of pre-hospitalization and 90 days of post-hospitalization expenses.
• Covers AYUSH, domiciliary treatment, daycare procedures, organ donor expenses, and ambulance costs.
• Premium Payback (mandatory add-on) refunds the first year’s base premium after every 5 consecutive claim-free years.
• The Infinity Bonus add-on increases the base sum insured by 100% on continuous renewal, without any upper limit, and claims do not reduce it.
• Unlimited Automatic Recharge restores the full sum insured any number of times within the same policy year.

3) Care Supreme Enhance

Care Supreme Enhance is Care Health’s super top-up plan, offering sum insured options from ₹20 lakh to ₹1 crore. It starts paying once the chosen aggregate deductible of ₹5 lakh to ₹15 lakh is exhausted once during the policy year.

Key Features

• 60 days of pre-hospitalization and 90 days of post-hospitalization coverage, along with cover for AYUSH, domiciliary treatment, daycare procedures, and organ donor expenses.
• A 10% cumulative bonus is added for every claim-free year, up to 100% of the sum insured, and claims do not reduce this bonus.
• Unlimited Automatic Recharge restores the full sum insured any number of times within the same policy year.
• Optional add-ons, such as Air Ambulance and Unlimited Care, are available for those who want advanced coverage. 

Note: A stands for adults and C denotes children. These are indicative base premiums for a Delhi resident (pin code: 110001). Your premium can also change based on age, city, medical history, plan variant, and chosen add-ons.

Care Health Insurance: Contact Details and Address

Customer Support Details

• Toll-Free Number (Sales): 1800-102-4499
• WhatsApp (Services): 8860402452
• Email: customerfirst@careinsurance.com
• Website: https://www.careinsurance.com/ 
• Mobile App: Care Health - Customer App (available via Google Play and Apple Store)

Registered Office

Care Health Insurance Limited, 5th Floor, 19, Chawla House, Nehru Place, New Delhi-110019

Correspondence Address

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

Is Care Health Insurance Good?

Yes, Care Health Insurance can be a good option for many buyers, particularly if you want feature-rich plans, a wide hospital network, and the flexibility to customize your policy.

Some of the key reasons to consider Care Health Insurance are:

• Feature-Rich Plans: Products like Care Supreme and Ultimate Care offer benefits such as restoration and cumulative bonuses.
• Large Hospital Network: Its extensive cashless network makes hospital access relatively convenient across India.
• Customizable Coverage: Several add-ons let you enhance the base policy based on your needs.
• Suitable for Different Buyer Profiles: It can work well for young professionals, families, and first-time health insurance buyers.

However, Care does have a few concerns. Its complaint volume of 42.66 complaints per 10,000 claims is relatively high, and some customers have reported delays or difficulties during claims.

Overall, Care Health Insurance is worth considering, especially if its plan features suit your needs. Before buying, review the policy’s waiting periods, exclusions, co-payment clauses, and other terms carefully.

Care Insurance ranks 4th among the top health insurance companies in India due to its excellent claim settlement ratio, high business volume, and long track record. Our rating methodology considers multiple factors, such as CSR, GWP, product portfolio, and business size, to provide a well-rounded view.

Why Choose Ditto for Health Insurance?

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• 100% Free Consultation
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Ditto’s Take on Care Health Insurance

Care Health Insurance is Ditto’s partner insurer, and its flagship plan, Care Supreme, is one of our best health insurance plans in India. Even though its complaint rate is higher, our experience with the insurer has been decent in terms of claims and post-sales support.

If you are looking for affordable policies with multiple customization options via add-ons, Care is an excellent choice. But if you want to explore other insurers with lower complaint volumes, consider HDFC Ergo or Aditya Birla.