Care Health Insurance Review

Care Health Insurance (formerly Religare) is the second largest SAHI in India after Star Health, offering flexible, feature-packed health plans for individuals, families, and senior citizens. With over 269 branches, Care Health ensures wide access to cashless treatment across the country. Since its inception, the company has settled 74.5 lakh+ claims (per the Care Health’s website) and showcased its ability to handle large claim volumes. 

In this Care Health Insurance review, we will walk you through its key performance metrics, top plans and premiums, contact details, and how it compares to other top insurers.

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

Key Insights: 

• CSR: Care Health has settled claims at a rate above the industry average, which indicates long-term reliability.
• ICR: The ICR falls within the healthy 50–80% range and indicates the insurer is settling claims without overextending financially. This keeps premium hikes stable over time.
• Annual Business: At ₹6,775 crore GWP, the consistent growth in Care’s business volume is a healthy sign for long-term stability.
• Complaint Volume: The high volume of complaints highlights dissatisfaction with the claims process.
• Network Hospitals: With 11,400+ network hospitals, cashless access is robust, covering both metro cities and smaller towns. 

Top Plans Offered by Care Health Insurance

1) Care Supreme

Care Supreme is one of the flagship and popular plans covering a sum insured of ₹5 lakh to ₹1 crore. It is built for people who want a comprehensive policy with solid base coverage and the flexibility to layer on 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.
• 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 coverage amounts.

2) Ultimate Care

Ultimate Care is the latest offering by Care Health Insurance. 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.

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 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 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).

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

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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, features in our best health insurance plans in India. Even though its complaints are 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. If you want to explore other insurers with lower complaint volumes, explore plans like HDFC Ergo or Aditya Birla.