Save tax up to ₹75,000~ u/s 80D
Health insurance is not just a safety net for medical emergencies — it is an economic shield that protects you and your family, enabling access to quality healthcare without the fear of unexpected expenses.
Reasons to Choose Care Health Insurance?
Cashless Treatment
0% GST on all Health Insurance
PED Cover
Critical Illness Coverage
Health insurance is a contractual agreement between an individual and an insurance company, where the insurer covers the medical expenses in exchange for a premium. It safeguards your savings during medical emergencies or planned treatments, offering coverage for surgeries, hospitalisation, day-care procedures, pre- and post-hospitalisation expenses, ambulance charges, ICU charges, and more.
A health insurance policy helps reduce the financial burden of healthcare costs and also provides tax benefits of up to ₹75,000 on the premium amount under Section 80D of the Income Tax Act.
GST is no longer applied to health insurance premiums, starting from 22 September 2025. This change will lower the premium cost by 18%, which was the previous GST rate on these insurance plans.
GST removal on health insurance premiums is beneficial to both policyholders and insurance companies:
Healthcare expenses in India are increasing annually, making a health insurance policy more of a need than a preference. But with so many health insurance plans available, how do you know which one fits you best? Here are the main types of health insurance policies for your better understanding:
In a country like India, where healthcare costs are growing and disease risks are evolving more rapidly than ever, securing the best health insurance plan is no longer a choice; it's crucial. The health landscape demands a shield from heart disease to silent outbreaks of viral infections.
Finding the ideal health insurance policy requires consideration of both personal and financial factors to guarantee maximum security and value. Here are the factors you need to be mindful of when selecting the best health insurance policy in India:
As one of the leading health insurance providers in India, our strength ranges from offering tailor-made services to swift claim settlements. We offer a comprehensive range of health insurance plans in India. Given below are some of the reasons why a health insurance policy from Care Health Insurance may be the best option for you:
Having the best health insurance policy isn’t just about covering hospital bills; it’s about securing your mental peace. A well-chosen health insurance plan secures you and your loved ones, preparing them for life’s medical uncertainties. Here are some of the key benefits of choosing the mediclaim policy:
The best health insurance in India offers a wide range of features designed to meet diverse healthcare needs. These features ensure timely treatment, financial protection, and long-term health security for individuals as well as families. Below are the most important features included in modern health insurance plans:
Embrace the ease of securing your health online, with our digitally-enhanced portal. All you need to do is simply select your preferred health cover plans, fill up the details, and pay through secure transaction modes. Here’s why and how we ensure a customer-friendly purchase a medical insurance plan online:
Our team is always available for all your queries concerning the terms and conditions of our healthcare policies. By accessing the live chat option, you can quickly discuss any policy-related matter at your convenience. No appointment is required.
When you buy your health insurance policy online through Care Health Insurance’s official website, you become qualified for an exclusive 5% direct‐purchase discount on the premium. This discount rewards the convenience of purchasing a policy directly, enabling you to reduce the cost while obtaining one of the best health insurance policies in India.
We facilitate digital premium calculators to help you evaluate and opt for customised healthcare insurance for your family members.The ability to choose your desired health coverage and optional benefits helps us serve you the best mediclaim policies.You can get numerous health insurance quotes online. All you need to do is select a health insurance plan and enter details such as age, health condition, etc. Compare premiums, coverage, and exclusions to buy health insurance online.
Our fortress-like secure payment gateways offer various digitally secure modes, including credit/debit cards or net banking. Once purchased, you will receive authentic policy documents immediately.This way, we help you get an instant mediclaim policy in less than an hour.
What we promise in writing is exactly what you’ll receive during emergencies. Each of our health insurance plans includes clear terms and conditions for your convenience. You can compare quotes online, making the process transparent and easy to follow. Top providers usually let you adjust benefits, coverage amounts, and the number of members. Based on your choices, the premium updates automatically—so you can see the impact instantly.
While browsing online through our mediclaim policies, you can easily check out other add-on benefits. These include OPD care, co-payment waiver, and reduced wait time for pre-existing diseases, among others, to cover your specific needs.
The offline method of buying mediclaim policies usually result in increased costs due to numerous factors like agent fees. Insurance agents get a commission for selling mediclaim policies , which increase the cost of the policy. Purchasing a health insurance plan online can help eliminate overhead expenses. Further, some insurance companies also offer an additional discount when you purchase plans using their online platform.Further, it can also help you save a lot of time and effort as you can buy good health insurance in India in just a few clicks.
People have diverse needs. When you buy health insurance online, you can compare and pick a plan that suits your specific needs. You can also get health insurance quotes from different providers to choose one that suits your budget. You can get an understanding of the premium factors based on the plans you choose and the number of people you add.
Every health insurance plan offers a different mix of benefits, features, and coverage options. To make an informed decision, it is essential to compare how Care Health Insurance stands against other health insurers in the market. Here's a clear comparison to help you understand the difference:
| Benefits | Other Health Insurers | Care Health Insurance |
|---|---|---|
| Money Back Benefits | Some insurers offer loyalty bonuses for claim-free years, but the premium amount is not returned. | Under plans like Ultimate Care, the first year's base premium may be returned after completing 5 consecutive claim-free years. |
| Bonus Coverage | Bonus coverage is generally capped, so the sum insured does not increase significantly over time. | We offer cumulative or enhanced bonus benefits upon renewals, allowing your sum insured to grow each year. |
| Room Rent Limits | Many insurers apply sub-limits on room rent or ICU charges. | No room rent sub-limits in most of our standard health insurance policies. |
| Co-pay | A fixed co-pay may be applicable based on age, treatment type, or selected sum insured. | Minimal or zero co-pay in most of our plans, enabling higher financial protection for policyholders. |
| Automatic Recharge | Coverage is usually restricted to the base sum insured. Once exhausted, additional top-up coverage may be required. | Care Health offers automatic recharge of the sum insured multiple times within a policy year, ensuring uninterrupted coverage. |
| Online Consultation | Only a few insurers provide unlimited online doctor consultations. | We offer unlimited e-consultations, allowing you to seek medical advice anytime from home at no extra cost. |
| Ambulance & Emergency Services | Ambulance coverage may be limited or allowed only under certain conditions. | Complete and enhanced coverage for emergency ambulance services with 24/7 support. |
At Care Health Insurance, we believe good health shouldn’t come at an increased price. Our best health insurance plans in India are thoughtfully designed to offer comprehensive healthcare coverage at reasonable premiums, offering complete protection for you and your loved ones. Explore our top health insurance policies crafted to match your life stage and lifestyle needs:
A health insurance plan works simply—your insurer offers financial protection during medical emergencies in return for a regular premium payment. It ensures that during a health crisis, you are not burdened with heavy medical bills. Here is a clear step-by-step explanation of how a health insurance policy works:
Shortlist a Health Insurance Plan: Choose a plan that matches your healthcare needs and purchase it online by submitting basic details and paying the premium.
Complete Verification: Some plans may require medical check-ups or document verification before activation.
Receive Policy Documents: After approval, your policy becomes active and the insurer sends your e-policy, health card, and policy details.
Make Regular Payments: Continue paying your premiums on time to keep your policy active and avoid any issues during claim settlement.
Know How to Use Your Policy: Understand network hospitals, cashless claim procedures, reimbursement steps, and customer support information.
Use Cashless Facility During Hospitalisation: During a planned or emergency hospitalisation, visit a network hospital and show your health insurance e-card/ID for cashless treatment.
Claim Settlement (Cashless or Reimbursement): There are two ways to settle claims:
Cashless: The hospital and insurer handle the payment directly.
Reimbursement: If treated in a non-network hospital, submit bills and medical documents to receive a refund.
To understand the process better, here’s an example:
Suvidha purchased a health insurance policy with a coverage of ₹10 Lakh for her family. A few months later, her mother fell ill and needed medical attention. As her condition worsened, she was admitted to a nearby network hospital.
Suvidha informed her insurer about the emergency hospitalisation and completed the required formalities. Since the hospital was within the insurer’s network, the treatment was covered under the cashless facility.
After discharge, the hospital directly settled the eligible bills with the insurer, and Suvidha paid only for the non-payable items.
Later, she filed a reimbursement claim for the pre- and post-hospitalisation expenses. She submitted all necessary bills, reports, and the reimbursement form. The insurer verified the documents and credited the claim amount to her bank account.
Health insurance policies cover a wide range of medical expenses to provide strong financial protection during unexpected health emergencies. These plans go beyond basic hospital bills and include several healthcare benefits as per the policy terms and conditions. The expenses covered under our health insurance policies include:
The best health insurance policies also provide optional maternity benefits for delivery-related expenses. Additional add-ons such as OPD Care are available at an extra premium, helping cover OPD consultations, diagnostic tests, and medicines.
Disclaimer: For detailed information on product coverage, please refer to our product pages and policy documents.
Here are the standard exclusions that one should be mindful of when investing in a health insurance plan:
Health Insurance plans involve different add-on benefits that help you customise premiums and/or expand your coverage. The following are some of the add-ons in a mediclaim policy:
Buying a health insurance policy is effortless when you ensure you follow the proper steps. Here’s a straightforward, step-by-step guide to assist you in purchasing the right plan smoothly:
For health insurance in India, check policy-specific eligibility for conditions like co-payments and waiting periods. Below are Care Health Insurance's eligibility criteria:
| Minimum Entry Age | Individual- 5 years | Floater- 91 days with at least 1 insured person of age 18 years or above |
| Maximum Exit Age | Lifelong for Adults |
| Tenure Options | 1/2/3 Years |
| Cover Types | Individual and Family Floater basis |
| Waiting Period | 30 days for illnesses, except injury | 24 months for named ailments | 36 months for pre-existing diseases |
| Grace Period | 30 days to renew your policy post expiry |
Here’s a list of documents you'll need when buying health insurance online:
You can now calculate the premium using a simple digital calculator designed especially for medical insurance policies. This tool helps you get the right estimate of the amount of premium you will have to pay for your policy. It considers various factors to calculate the premium, including the information you have entered.To help you understand the benefits, a good health insurance plan in India is crucial for financial protection against rising medical costs. Here are the steps to calculate your premium:
Given below are some of the factors that affect the premium of your health insurance policy:
STEP 1
Emergency
Intimate within 24 hours of your hospitalization
Planned Hospitalization
Intimate us 48 hours prior to your hospitalization
STEP 2
Cashless
Request for pre-authorization
Reimbursement
Claim form submission
Complete the pre-authorization form available
at the hospitals' insurance/TPA Desk and send us through fax.
Approval
Approval letter sent by the claim management team
Query
Hospital/Insured to respond to the query raised by the claim management team
Rejected
You may initiate the treatment and file for reimbursement claim
Submission of claim form along with required
documents, as per the policy terms & conditions
Approval
Approval letter sent by the claim management team
Query
Insured to respond to the query raised by the claim management team
Rejected
We will communicate the reason in case of rejection
Given below are the set of documents that you will have to submit while making a claim:
| Category | Documents |
|---|---|
| Claim Related |
|
| Medical Documents |
|
In a cashless claim, the policyholders don't have to pay hospital bills upfront, as the insurer settles them directly with the network hospital. For cashless treatment, you must get admitted to a hospital listed with your insurance provider and show your health card or policy details at the TPA/insurance desk. Pre-authorisation approval is needed, after which the hospital coordinates directly with the insurer. Unlike reimbursement claims, supporting documents are usually managed by the hospital, making the process quicker and less stressful for the policyholder.
Dealing with a health insurance claim rejection can be really disappointing, especially when you're in the middle of a medical emergency. However, you should be aware that most rejections occur due to simple mistakes that can often be avoided. Let’s look at some common reasons why claims get rejected and how you can help prevent them.
Care Health Insurance strives to make quality health care accessible to everyone while maintaining a quick and hassle-free claim experience. The Care Health Customer platform is an integrated app for all your health insurance needs. You can use this app for claim intimation, fill out a claim form online, upload the necessary claim documents, and track your claim status. Below is the step-by-step process to file claim intimation using ‘Claim Genie’
If you fall into the taxable slab, then your health insurance plan can fetch you tax benefits. Here’s how:
| Policyholders | Deductions for premium paid for self and family | Deductions for premium paid for parents | Preventive Health Check-Ups | Tax benefit |
|---|---|---|---|---|
| Self and family below 60 years | ₹25,000 | - | ₹5,000 | ₹25,000 |
| Self, family, and parents below 60 years | ₹25,000 | ₹25,000 | ₹5,000 | ₹50,000 |
| Self and family below 60 years and parents above 60 years | ₹25,000 | ₹50,000 | ₹5,000 | ₹75,000 |
Disclaimer: The deduction for preventive check-up of up to Rs 5,000 will be within the overall limit of Rs 25,000 / 50,000.
There is more than one reason to port your health insurance policy to Care Health Insurance. As an insured person, we promise you unique benefits with lifelong renewability under most of our health insurance plans. Porting a medical plan is easy and can be done before the policy renewal stage. Just notify your existing insurer at least 45 days before the policy renewal date of an existing medical cover.
You will be able to retain your medical insurance policy benefits and accrued bonuses and transfer the time-bound exclusions, including credit for the waiting period for pre-existing diseases. It is possible to port a policy from one insurance company to another and from one health insurance policy to another policy with the same insurance company.
Follow this simple step-by-step guide to port your exiting health insurance policy and enjoy uninterrupted coverage with your new plan:
Step 1
On the home page of Care Health insurance ,select the “port existing policy” option and follow the premium calculation journey.
Step 2
Fill up the proposal form and the portability form with relevant details and submit the required documents along with it.
Step 3
The requisite data will be furnished on the official portal of IRDAI.
Step 4
The new insurance company will underwrite the proposal and inform you within 15 days.
Considering switching your health insurance policy? Porting your existing policy can help you access better coverage, lower premiums, or additional benefits. Before porting health insurance, it's helpful to be aware of some key factors that can ensure a smooth and successful process. Some of them are:
Before porting your policy to a new health insurer, it is essential to notify your existing insurance provider. You should write an application for this purpose. You can make this request to your insurer at least 45 days before your policy’s expiry date.The request must be made 60 days before the renewal date of the health insurance policy. Let’s understand how to make the portability permission request. You should write an application in which you have to mention the name of your new insurer and other personal and details. Once you apply, your application will be reviewed and you will receive an acknowledgement within 3 business days.
When you decide to port your health insurance policy to a new insurer, you should enquire about the premium. You should check whether the premium will increase or decline on porting. The change in premium indicates the changes in your coverage or benefits. So, gather this information before you finalise the porting.
If you are thinking of switching to a new insurer to enhance coverage or benefits, you should check for the available add-ons. You can buy the add-ons of your new insurer to avail of the extended benefits.
You should understand the waiting period cycle before you port to a new insurer. Simply put, the waiting period is divided into three parts.
Hiding your medical history when you make a porting request to the new insurer can be a mistake. Your new insurer may or may not make you undergo a medical test. In case you have been suffering from any chronic illness , your porting request may be rejected considering the probability of frequent medical visits or hospitalisation.
Obviously, you have decided to port to a new insurer because you are optimistic about new benefits there. Hence, you should try to choose a higher sum insured when you port.
Before you decide to port your mediclaim policies to a new insurer, it might be a good idea to be aware of a few metrics. You should always check for details like discounts being offered, any consumer complaints, company’s empanelled network healthcare providers and the claim settlement ratio. It might also help to check the ratings on the company’s social media handles to understand the overall customer experience.
Purchasing a medical insurance policy online offers numerous advantages. Here are some key benefits:
Easy to Compare: People have different needs when it comes to medical insurance. Compare health insurance plans online to find one that suits you. Get an idea of premiums, which vary by plan and the number of people added.
Cost-Effective: Buying health insurance online can reduce costs, as many providers offer discounts to new buyers. It also saves time and effort, allowing you to find and buy the best mediclaim policy with just a few clicks.
Instant Quote: You can get a mediclaim policy quote online by selecting a health insurance plan and entering details such as your age and health status. It helps compare premiums, coverage, and exclusions based on your factors.
Transparency: Online processes are transparent. After entering the required info, you can purchase your health insurance policy. The premium is based on your inputs, allowing you to modify the benefits, sum insured,etc.
Now that you are versed in the details of health insurance, here are a few other things you should know to make an informed choice of a health insurance plan online. Click through to understand how to choose a health plan online:
Picking the best health insurance plan isn't only about searching for the lowest price; it's also about confirming the premium you pay matches the value you receive. Comparing premiums helps understand how various plans cost, their coverage, and their long-term benefits. It also enables you to choose a policy that suits your health and budget needs. Here are some tips to follow while comparing a health insurance plan:
To choose the best medical insurance in India, you must consider the following advantages:
The best part about the online availability of health covers is the secure payment gateways. With easy-to-follow steps and trusted payment partners, we offer a seamless online experience for buying the best health insurance plans in India. Our digital portal enables effortless premium payments through a secure digital payment gateway. Welcome to the future of hassle-free health coverage with Care Health Insurance!
Here is a quick 6-step guide you should follow for making online insurance payments:
Every medical policy terminates upon the expiration of its policy term. That’s why renewing a mediclaim is crucial to ensure uninterrupted healthcare coverage and additional benefits such as a no-claim bonus and coverage for pre-existing ailments. The process of renewing a health insurance policy involves the following steps:
By purchasing a health policy online, you can renew your health plan digitally, thereby saving significant time and effort.
Health insurance is vital to financial planning, yet various misconceptions surround it. Let us examine the most common health insurance myths and facts behind these, to help you find the best health insurance in India.
Understanding the terms and conditions of your health insurance is crucial for policyholders to avoid last-minute hassles. Read out these commonly used health insurance terms to make reading the policy documents easier:
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Ultimate Care: UIN - CHIHLIP25044V012425
*Please read the policy T & C, brochure, and prospectus to know more about our medical plans cover as it may vary.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
**Number of Claims Settled as of Dec 2024
^10% discount is applicable for a 3-year policy
#Premium calculated for an individual (Age 18) for sum insured 5 Lakhs in Zone 2 cities with Care Supreme Policy.
^^ Number of Cashless Healthcare Providers as of Feb 2025.
Terms & Conditions of Premium Quote Generation
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