Health Insurance for Everyone
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Health Insurance for Family
Health Insurance Plan for Family & Individual
Health Insurance without pre-policy check-up
Health Insurance Plan covering Pre-Existing Heart Ailments
Senior Citizen Health Insurance Plan above 61 years
Super Top Up Health Insurance Plan
Health Insurance Plan with 1 Crore Cover
Arogya Sanjeevani Policy
Standard Health Insurance Plan with AYUSH Coverage
Maternity Insurance Plan with Baby Cover
Lifelong Cancer Protection Plan available with Flexible EMI options
All Health Insurance Plans
Health Plans with Maximum Coverage & Benefits suited for all Age Groups
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Save up to 20%*
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Critical Illness Insurance
Financial coverage against defined critical illness
Health Insurance Covering 16 Major Health Aliments
Coverage for wide array of defined surgeries
Health Insurance with COVID-19
Plans including covid-19 hospitalisation coverage
Calculate Health Insurance Premium
Handy digital tool for instant health premium calculation
Health Insurance for Parents
Health Plan for ageing parents
Individual Health Insurance
Cover an individual against financial risks
International Travel Insurance Plan
International Health & Travel Insurance plans for students
Want to study abroad?
Secure your stay & live your dreams without worry with Student Explore Travel Plan
Ready to create a memorable trip?
Secure it with International Travel Insurance & Stay Worry-free
International Travel Insurance
Medical coverages for your overseas travel related expenses
Student Travel Insurance
Cover medical expenses, baggage loss & more for students studying abroad
Group Mediclaim Insurance Policy for Employees
Personal Accident Cover for employees with Global Coverage
Group Travel Insurance for Employees
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"Care Health Insurance Ltd (formerly known as Religare Health Insurance Company Limited) & associate partners may contact you to assist you with website navigation of www.careinsurance.com and assist in proposal filling."
CASHLESS HEALTHCARE PROVIDERS
INSURANCE CLAIM SETTLEMENT RATIO*
Get ₹ 25 Lacs Health Cover at ₹ 558/month^
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Care Advantage Quote
I hereby agree to the Terms and Conditions of the purchase of this policy
insured person(s) and age
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(Premium includes 18% GST)
EMI starting from ₹ 500 / month
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NO CLAIM BONUS
Policy sum insured increases by 10% for every claim free year. The maximum increase allowed is 50% of policy sum insure
If you are admitted to a hospital for in-patient care which should be medically necessary, for a minimum period of 24 consecutive hours, we will pay, maximum up to sum insured
Day care treatments
Hospitalization involving less than 24 hours - some surgeries don't require or need not necessarily require hospitalization stay for minimum 24 hours
Through this coverage get automatic recharge of your sum insured if claim amount exhausts your coverage limit
You can add additional 50% increase in Sum Insure for every claim free year. Maximum increase allowed is 100% of policy Sum Insure. Hence with both NCB & NCB SUPER you can increase your Policy Sum Insure upto 150% in 5 consecutive claim free years.
Get 15% discount on premium by restricting treatment on network hospital specially created for smart select optional cover
Copyright. Care Health Insurance (formerly known as Religare Health Insurance Company Limited).
Offers on Policy Tenure
Extend you policy period and get discount on your total premium.
2 Years7.5% off
3 Years10% off
You Save₹XX,XXX / Yr
Your Total Quote - ₹X,XXX /yr
No Claim Bonus Super
Up to 150% increase in sum insured
We have prepared a exclusive panel of EVERDAY care hospital/Diagnostic LABs panel where our customers are eligible for cashless coverage of Doctor Consultation & Diagnostic Test. You are covered upto 1% of your Sum Insure. 20% co-payment is applicable on all claims under this benefit.
International Second Opinion
It offers an option to consult doctors and take a second opinion for reassurance of recommended treatment
Unlimited Automatic Recharge
Your sum insured is reinstated unlimited number of times
Choose a bank
Total cost doesn't include taxes or processing changes, if any Banks maycharge
pre-closure & interest charges if you cancel EMI order.
Click here to read EMI Terms & Conditions
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An add-on cover that offers 3 benefits claim shield, no claim bonus shield and inflation shield
If the age of the insured member or eldest insured member is 61 years or above, by opting for this add-on, you can get rid of the 20% co-payment worry. We will pay medical expenses incurred for hospitalization subject to policy terms and conditions.
Room Rent Modification
By choosing this optional cover, the Room Rent/Room Category shall be limited to “Single Private Room”
See the Smart Select Hospital Network in your city.
Smart Select Network is 0 out of 0.
*20% Co-payment applicable on treatments taken on Non-Smart Select network hospitals
Complete list of Smart Select Network Hospital
Organ Donor Cover
No claim bonus
Pre & Post hospitalizationExpenses
Care Advantage complete plan details
Add-ons to cover your specific needs
Get a discount of 15% on premium
You can increase your sum insured amount by 50% for every claim free year up to a maximum of 100%
The Room Rent/Room Category shall be limited to “Single Private Room” under Hospitalization Expenses
An add-on cover that offers 3 benefits claim shield, no claim bonus shield and inflation shield.
An Add on cover for 20% Co-payment Waiver
Get 15% discount by restricting treatment on a specially created smart select network hospitals
For 5 consecutive claim free years by using No Claims Bonus (NCB) & No Claims Bonus – Super (Optional Cover).Incremental increase every year is applicable on base Sum Insured. If a claim is made in any particular year, accrued NCB and NCB-Super will be reduced at the same rate at which it is accrued.
Room Rent Modification
The policy has 3 benefits :
1 Crore Health Plan Details
Entry age - Minimum Adult – 5 years and Child 91 days (floater policy)
Entry age - Maximum Adult Lifelong and Child 24 years
Co-Payment 20% per claim, where age of insured / eldest member is 61 years or above
Initial Waiting Period 30 days from any illness
Named Ailment Waiting Period 24 months of continued coverage
Pre-existing Disease Waiting Period 48 months of continued coverage
Grace Period 30 days from the date of expiry
Any item or condition or treatment specified in List of Non-Medical Items
Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex
Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.
Expenses related to any unproven treatment, services and supplies for or in connection with any treatment.
Expenses related to sterility and infertility.
Screening, counselling or treatment of any external Congenital Anomaly, Illness or defects or anomalies or treatment relating to external birth defects.
Treatment of mental retardation, arrested or incomplete development of mind of a person, subnormal intelligence or mental intellectual disability.
Please refer to policy tnc for detail exclusion
Intimate within 24 hours of your hospitalization
Intimate us 48 hours prior to your hospitalization
Reimbursement Insurance Claim Form Submission
Request for pre-authorization
Claim from submission
Complete the pre-authorization form availableat the hospitals insurance/TPA Desk and send us through fax.
Approval letter sent by the claim management team
Hospital/Insured to response to the query raised by the claim management team
You may initiate the treatment and file for reimbursement claim
Submission of claim form along with required documents, as per the policy terms & conditions
Insured to response to the query raised by the claim management team
We will communicate the reason in case of rejection
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Voice of Our Customers
Ravi Kumar Singh
I bought Care Advantage Plan from Care Health Insurance for my family. Simplified policy-buying experience with no hassles. Recommended it to everyone!
Hospitalization expense cover under care advantage plan saved my mother’s life. Beneficial policy.
Care Health Insurance’s Care Advantage plan is the best one to get cashless hospitalization benefit. I got the treatment I needed without worrying about the bills.
Buying Care Health Insurance’s care advantage plan was the right decision I made. I got my daycare treatment covered under it. Highly recommend it.
Appreciate Support of Mr Kumar for hassle free process of buying care advantage online. Team was helpful and prompt to answer all queries related to policy
My appreciation for your prompt service
At the outset I would like to express my appreciation for your prompt service in taking up the case regarding my claim. I have received your intimation regarding the acceptance of my claim and had a minor query as to what is the claim amount settled by you. Thank you.
We will continue to avail of your scheme.
Thank you for settling the claim amount. Kindly inform me when the amount is remitted to the credit of my bank account with the Bank of Baroda. We will continue to avail of your scheme when we travel abroad.
Everything went very smooth
I would like to pass on my appreciation for Virender who guided me during the difficult time. He helped me at every stage and didn’t keep me waiting. Due to his efforts, I was relaxed and everything went very smooth while my wife was recovering from typhoid. Thanks Virender you are a star!
Really helpful explaining the process in advance
I just wanted to thank you for the exceptional response from you on the recent cashless reimbursement request related to my mother’s operation. You were really helpful explaining the process in advance before the treatment and also during the final settlement.
Finalising my claim in a short period
I must express my profound appreciation for finalising my claim in a short period. I have heard of insurance companies with holding payment or rejecting it outright on very flimsy grounds as they are averse to parting with their money. It was not the case with Care health insurance. Thank you, may your tribe grow.
Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) (formerly known as Religare Health Insurance Company Limited) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.
Awarded as Claims Leader of the year
23 lakh + Claims settled*
Cashless claim processing in approx. 2 hours
Getting health insurance early in life will protect you in the most crucial times in life. Healthcare is increasingly becoming expensive in India. Thus, it’s time you choose a health cover with higher coverage, which is absolutely essential for your financial safety. Good health is the key to happiness; however, rising medical inflation and treatment cost signal the need for higher health insurance cover. No one can deny the fact that medical emergencies are unpredictable. Illnesses or injuries can put your life off-balance. Thankfully, due to medical advancements, a cure is now possible even for serious health problems. Certain medical procedures can cost lakhs of rupees and become a cause of concern. Expensive medical treatment can damage life savings, which is why opting for the Best Health Insurance Policy with adequate coverage is a must.
Care Advantage enables you to avail of quality medical treatment when you need it, in a quick and convenient manner. It offers you sum insured options for 1 Crore, Rs 25 Lakh, and Rs 50 Lakh that will safeguard the well-being of your loved ones, as you can access the best medical treatment without any stressing over hefty medical bills. There are also a host of benefits you can avail to help you lead a healthier life and stay worry-free about finances. You can choose an individual cover or a family floater for 1 Crore, 50L, and 25L.
Care Advantage helps you and your loved ones sail through the most difficult medical situations by offering you 1 Crore Family Health Insurance cover along with two more health cover options with a sum insured of Rs 25 Lakh and Rs 50 Lakh, respectively. It includes the below-mentioned features:
The following are some vital points to consider when opting for a health cover:
Lifestyle diseases are on a constant rise. While we ensure to follow a healthy lifestyle and healthy diet, it is crucial to be financially prepared for any health emergency. Medical conditions are not always due to poor lifestyle. It may be due to hereditary factors as well. Thus, a health insurance policy with higher coverage, for instance, Rs 1 Crore Health insurance, would serve as a financial cushion. All your major expenses entailing hospitalisation, daycare treatment, as well as pre and post hospitalisation medical expenses, will be covered under your policy. You get coverage for certain specific ailments and pre-existing diseases after the waiting period is over, subject to policy terms and conditions.
Before making a judicious choice for the preferred health insurance policy, it is important to consider certain factors as listed below:
A Health insurance policy not only covers your medical expenses but also offers you tax benefits under Section 80D of the Income Tax Act. As per this provision, you are eligible to claim a tax deduction of Rs 25,000 in a financial year for the premium you pay towards the policy. In case you have senior citizen parents covered under the policy, you get an additional deduction of Rs 50,000 under Section 80D tax benefits.
In case of emergency hospitalization, reach out to our customer support team and inform us within 24 hours of your admission to the hospital. In case of planned hospitalization, inform us 48 hours prior to admission.
Exclusions are the diseases that are not covered under the policy. Some common exclusions for Health Insurance Policy are listed below:
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Most Frequently Asked Questions
The minimum entry age to opt for Care Advantage is:
There is no upper age limit for enrolment and no age limit for exit.
Care Advantage by Care Health Insurance (formerly known as Religare Health Insurance Company Limited) is a comprehensive health policy with high sum insured of 1 Crore, 50L, and 25L. It is beneficial as it offers adequate coverage for various medical expenses, such as hospitalization expenses, pre and post hospitalization medical expenses and daycare treatment. It also offers tax benefits for the policyholder.
As per the policy terms and conditions, No pre-policy medical check-up is required if no pre-existing declared for a person up to 50 years of age. For persons above the age of 51 years, there are specified medical tests, and the policy will be issued basis under tele writing.
Premium is a pre-decided amount of money paid by the policyholder periodically towards a health insurance policy. It is decided based on several factors such as age, type of coverage, amount of coverage, health conditions, etc. Using a health insurance premium calculator, a tool designed to accurately calculate the premium, you can calculate the premium amount.
Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
*IBAI Claims Handbook for FY 19-20
^Annual premium for product 'Care Advantage' and 'Care Shield (add on)' is Rs. 6687/-(excl. GST) for 1 adult falling under the age bracket 18-24 years.
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Pay premium @ Axis Bank
Walk-in to the nearest Axis Bank branch to pay your Renewal Premium conveniently via Cheque/Demand Draft. Please ensure to keep the following in mind while opting for the same:
Please visit during banking hours and ask for ‘Easy Pay’ service counters at Axis Bank branch to deposit your premium.
Please mention your Policy(s)number and Contact number on the reverse of cheque. Instrument should be in favour of "Religare Health Insurance Company Limited"
Make sure to collect the acknowledgement slip before leaving bank’s service counter for any future correspondence.
Postdated/ Outstation/ Third Party cheques are not allowed.
Please ensure the cheque amount is equal to the amount mentioned in renewal invite.
It is advisable to carry a copy of Renewal invite while visiting to Axis Bank branch.
Please ensure to deposit the cheque at least 7 Days prior to the due date. Instrument deposition is not allowed after the policy expiry date.
In case of any modifications in the policy details at the time of renewal, please contact our
branch and do not deposit the cheque in Axis Bank Branch.
Contact respective ‘Axis Bank branch manager’ in case of any difficulty/issue/clarification related to deposition of renewal premium. You may further contact our Customer Service team at 1800-102-4488/1800-102-6655