Care Health Insurance: Feature-Rich Plans at Competitive Prices

Care Health Insurance Company Ltd. (formerly Religare Health Insurance) is a standalone health insurer headquartered in Gurgaon. The company rebranded to Care Health Insurance in 2020 following the acquisition by Religare Enterprises. It has established itself as one of the most innovative standalone health insurers with feature-rich products.

Key Statistics

  • Claim Settlement Ratio: 95.2% (IRDAI 2023-24)
  • Network Hospitals: 19,000+
  • Founded: 2012
  • Headquarters: Gurugram, Haryana

Flagship Plans

Care Supreme

Care Supreme is Care Health's most comprehensive plan and one of the most popular health insurance products in India. Key features:

  • Unlimited restoration of sum insured — every time exhausted, refills fully
  • No room rent sub-limits on standard variants
  • No-claim bonus: 50% of base sum insured every claim-free year, up to 100% of base
  • Annual health check-up included from day one
  • Cover for modern treatments including robotic surgery
  • AYUSH cover included
  • International emergency cover as add-on

Sum insured options: ₹5 lakh to ₹6 crore. Available in individual and family floater formats.

Care Classic

An entry-level plan for budget-conscious buyers. Covers hospitalisation, day-care procedures and pre/post hospitalisation. Room rent limited to single private room (no sub-limit in rupees). NCB of 10% per claim-free year. Lower premium makes it accessible for first-time buyers.

Care Senior

Designed for customers aged 61–75. Includes annual health check-up, AYUSH cover, emergency ambulance and a 20% co-payment clause. No pre-insurance medical test required for entry.

Care Health Claims Process

Care Health has an in-house claim team (no TPA), which typically speeds up processing. Key claim channels:

  • 24×7 helpline: 1800-102-4488
  • Care Health app for cashless pre-authorisation
  • WhatsApp support
  • Online reimbursement claim filing

Strengths

  • Largest hospital network among standalone health insurers (19,000+)
  • Unlimited restoration on Care Supreme is genuinely best-in-class
  • Strong NCB accumulation (50% per year)
  • In-house claim team for faster processing
  • Transparent pricing and good online reviews

Weaknesses

  • CSR at 95.2% is lower than Star Health (99.06%) and HDFC ERGO (98.98%)
  • Entry-level plans have more restrictions than flagship Care Supreme
  • PED waiting period of 4 years for some conditions in standard plans

PolicyStars Verdict

Care Supreme is a genuinely excellent plan — unlimited restoration, no room rent cap, and the fastest NCB accumulation in the industry (50% per year up to 100%). The wide hospital network is a major practical advantage. The lower CSR relative to Star and HDFC ERGO warrants monitoring — check the current IRDAI annual report before purchasing.

Best for: Families wanting maximum features and flexibility, buyers who value a large hospital network.