Health insurance helps you secure your finances against medical emergencies. A good health insurance policy allows you to access quality healthcare without having to give up on your savings.
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Munmi is an insurance expert and seasoned editor with over a decade of experience in creating clear, impactful, and customer-centric communication across the insurance space. She excels at transforming complex insurance concepts—spanning health, life, and general insurance—into accessible, engaging narratives that help readers make confident and informed decisions. With a sharp eye for detail and deep industry insight, Munmi combines strategic thinking to produce content that educate people.
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Sundeep plays a major role behind creating Care Health Insurance’s most comprehensive insurance products. With over 9 years of total experience and multiple degrees specific to the insurance sector, Sundeep is yet another mastermind who ensures that you read well researched blogs and articles on our website.
Updated on: Reviewed on: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.
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As one of the leading health insurance providers in India, Care Health Insurance offers tailor-made services, swift claim settlements, and a comprehensive range of health insurance plans. Here are some of the key reasons why choosing a policy from us can be the right decision for you:
Received the “Best Claim Settlement Company of the Year Award” at the 9th Annual India Insurance Summit and Award in March 2025.
A wide range of plan options is available to provide competitive coverage for families, individuals, parents, expecting mothers, and those with critical illnesses.
An extensive network of over 22,100+ cashless healthcare providers, including more than 11,600 + network hospitals, ensures access to quality care whenever needed.
With a hassle-free claim procedure available both online and offline, we ensure minimum claim processing time- 1 hour for cashless and 5-7 days for reimbursement claims.
In a country like India, with rising healthcare costs and an increasing prevalence of lifestyle diseases, having the best health insurance in India ensures you and your family can access quality treatment when needed. Here is why you should invest in a medical insurance policy:
Here's a step-by-step explanation of how a health insurance policy works.
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Learn how individual health insurance helps safeguard your savings
Below are the features of some of our bestselling health insurance plans:
| Key Features | Description |
|---|---|
| Sum Insured | Sum insured is the maximum amount the insurer agrees to pay for covered medical expenses. |
| In-patient Care | The treatment expenses of the insured person where hospitalisation exceeds 2 to 24 hours. |
| Pre-hospitalisation Expenses | Medical costs, including tests, medicines, and consultations, incurred before hospitalisation for a specified period, as per policy terms. |
| Post-hospitalisation Expenses | Medical costs, including tests, medicines, and consultations, incurred after hospitalisation for a specified period, as per policy terms. |
| Ambulance Cover | Ambulance expenses are covered if the insured patient needs to be transferred between hospitals. |
| Daycare Treatment Coverage | Treatment expenses of procedures that require less than 24 hrs of hospitalisation |
| ICU expenses coverage | ICU expenses incurred during hospitalisation |
| AYUSH Treatment | Ayurveda, Yoga, Unani, Sidha and Homoeopathy treatment expenses are covered if treatment is availed from an AYUSH-certified hospital |
| Domiciliary Hospitalisation | Treatment availed at home, if advised by the doctor is covered |
| Unlimited Automatic Recharge | Consultation expenses with general physicians |
| Organ Donor Cover | Donor’s surgical expenses are covered |
| Cumulative Bonus | Sum insured increases every year, irrespective of claims |
| Loyalty Boost | 1st year’s base sum insured is returned after 7 consecutive claim-free years. |
| PED Cover | Any illness, condition, or health issue prior to purchasing the policy may be covered only after the PED waiting period, as per the policy terms. |
| Waiting Period | Applicable for specific illnesses. -30 days initial waiting period -36 months for pre-existing illnesses -24 months for named ailments |
| Room Rent Limit | No cap on the time of room rent chosen |
| Advanced Treatment Cover | Expenses for treatment using advanced technology methods are covered |
| NCB Bonus | Sum insured increases up to a certain percentage for every claim-free year |
Choosing the right health insurance isn’t only about covering hospital expenses; it’s also about ensuring your peace of mind. A carefully selected plan can protect you financially during a medical emergency. Here are some key benefits of choosing the best mediclaim policy from us:
Health insurance plans cover a wide range of medical expenses, but the specific benefits and exclusions may vary by policy. Here’s a brief summary of common coverage and what is often excluded, helping you make an informed decision.
Obtain financial assistance for in-patient hospitalisation costs, including room rent, ICU charges, doctor’s consultation, nursing care, and prescribed medicines, up to the sum insured.
Stay covered for medical expenses, including medical tests, consultations, and treatments before 30 days of admission and after 180 days of discharge.
We provide coverage for alternative healing therapies, including Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homoeopathy (AYUSH), under our health insurance policy up to SI.
Coverage includes modern treatments and surgeries that don't require hospital stays longer than 24 hours, utilising advanced medical technology, up to SI.
Stay covered for life-threatening medical emergencies caused by pre-existing conditions after the waiting period of 36 months.
Secure medical expense coverage for injuries caused by accidents, so you can receive prompt treatment without worrying about costs.
We provide medical treatment at home under clinical supervision when hospital beds are unavailable or the patient cannot be safely transferred to a hospital, as per policy terms.
Mediclaim policies often include a free annual health checkup once in a policy year, which may include tests for liver function, lipid profile, CBC, urine routine, ESR etc.
Did you know? Care Health Insurance offers coverage for over 541 daycare treatment procedures and surgeries. Download the complete list of daycare treatments here.
Expenses for cosmetic treatments and routine dental procedures are excluded as they are typically not considered medically necessary.
Most Mediclaim policies exclude maternity care or infertility treatments unless these are specifically added as an add-on.
Medical expenses arising from self-inflicted injuries, such as suicide attempts or harm caused by substance abuse, are not covered by the policy.
We recognise the seriousness of these conditions; however, expenses for venereal or sexually transmitted diseases are not covered by Mediclaim policies.
Injuries sustained while participating in adventure or high-risk sports are not covered because they fall outside the scope of standard medical risk policies.
Health insurance plans offer optional add-ons to customise your coverage. Some of the common add-ons available across our plans include:
| Add-Ons | Description |
|---|---|
| Cumulative Bonus Super | Increases your sum insured up to 100%, irrespective of claims made. |
| Infinity Bonus | This benefit doesn’t limit the cumulative bonus, providing 100% of the sum insured, irrespective of claims made, unlimited times. |
| Unlimited Care | Any one BIG claim during the lifetime of the policy payable without any sum insured limit. |
| Air Ambulance Cover | Covers the cost of air ambulance services during medical emergencies. |
| Claim Shield | Covers the cost of non-payable medical expenses, such as consumables, usually excluded under a standard health insurance policy, under List I, Annexure 1. |
| Claim Shield Plus | Covers non-payable items under List I–IV, Annexure 1, offering enhanced protection during hospitalisation. |
| Co-Payment Waiver | Removes the co-payment for senior citizens, allowing them to receive eligible claim payouts. |
| Instant Cover | Coverage for the listed PEDs such as diabetes, hypertension, asthma, hyperlipidemia after a waiting period of 30 days. |
| Instant Cover Plus | With the benefit, the policyholder can waive the waiting period for pre-existing diseases such as diabetes, hypertension, asthma, obesity, hyperlipidemia, and coronary artery disease (PTCA prior to 1 year) |
| Premium Freeze | Policyholder’s entry age and premium will be frozen at the time of policy purchase until a claim is paid. |
| PED Waiting Period Modification | Reduces waiting period for pre-existing diseases. |
| Annual Health Check-Up | Provides yearly preventive health check-ups. |
| Care OPD | Covers eligible outpatient expenses for up to 4 general physician consultations and 4 specialist consultations (from a listed of 14 specialist doctors), as per the policy terms. |
| Unlimited E-consultation | Gives you access to unlimited online consultations with qualified doctors, making healthcare advice available anytime. |
| Be-fit | Allows unlimited access to network fitness centres. |
| Tenure Multiplier | Combine annual sum insured of multi-policy year for a single policy claim in a policy tenure. |
| Wellness Benefit | Get up to 30 per cent discount on renewal premiums once the policyholder reaches the goal of 10,000 steps/daily, as per the wellness benefit table in the policy (T&C). |
Disclaimer: Add-on availability, features, and terms vary by product. Please refer to the respective policy documents for complete details.
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 we stand against other health insurers in the market. Here's a clear comparison to help you understand the difference:
| Benefits | Care Health Insurance | Other Health Insurers |
|---|---|---|
| Bonus Coverage | Renewal bonuses are more rewarding, with cumulative or enhanced benefits that increase your sum insured each year. | Bonus coverage is generally capped, so the sum insured does not increase significantly over time. |
| Room Rent Limits | No room rent sub-limits in most of our standard health insurance policies. | Many insurers apply sub-limits on room rent or ICU charges. |
| Co-pay | Minimal or zero co-pay in most of our plans, enabling higher financial protection for policyholders. | A fixed co-pay may be applicable based on age, treatment type, or selected sum insured. |
| Automatic Recharge | The sum insured is automatically recharged multiple times in a policy year, ensuring continuous protection. | Coverage is usually restricted to the base sum insured. Once exhausted, additional top-up coverage may be required. |
| Online Consultation | Unlimited e-consultations allowing convenient access to medical advice from home. | Only a few insurers provide unlimited online doctor consultations. |
| Ambulance & Emergency Services | Complete and enhanced coverage for emergency ambulance services with 24/7 support. | Ambulance coverage may be limited or allowed only under certain conditions. |
For health insurance in India, review the policy-specific requirements, including co-payments and waiting periods. The eligibility criteria to buy Care Health Insurance are listed below:
| Eligibility Criteria | Details |
|---|---|
| Minimum Entry Age | Individual- 18 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 seasonal illnesses, except injury | 24 months for named ailments | 36 months for pre-existing diseases |
| Grace Period | 30 days to renew your policy post expiry |
Whether you're buying health insurance for the first time or thinking about upgrading your existing coverage, here are some important things to consider to help you choose the best health insurance plan in India.
Health Insurance is a powerful investment that is evolving to address not just unprecedented health emergencies but also chronic health conditions. Also, with medical inflation soaring yearly, having an appropriate plan is not just an option—it's a necessity. With the right health insurance by your side, you can ensure access to quality healthcare without a financial strain.
Remember to assess your healthcare needs, compare plans, and choose a policy that offers comprehensive coverage, including hospitalisation and preventive care benefits. An informed decision today can help safeguard your health and financial well-being in the years ahead.
Choosing the right medical emergency coverage depends on several factors, including your city of residence, age, lifestyle, future healthcare needs, and potential medical expenses. Evaluating these factors helps you select an adequate sum insured. Let’s understand in detail-
Health insurance comparison helps you understand the cost of various plans, coverage, and long-term benefits. Here are some tips to follow while comparing a health insurance plan:
Check Sum Insured and Premium: Compare the premium with the coverage amount. Paying a little more for a higher sum insured can give you much better financial protection.
Assess Coverage Scope: Don't just compare premiums. Check what's covered, such as hospitalisation, daycare treatments, OPD, maternity, and ambulance expenses.
Look for Room Rent Limits: Plans with room-rent caps offer lower premiums but may involve out-of-pocket costs. No room-rent capping provides greater flexibility.
Compare Waiting Periods: Compare the waiting periods for pre-existing diseases, specific illnesses, and maternity benefits. Choosing a plan with shorter waiting periods can help you access coverage sooner when you need it.
Review Network Hospitals: Review the insurer's network hospitals before buying a plan. More network hospitals mean greater convenience and seamless cashless hospitalisation.
Identify Sub-Limits & Exclusions: Review the policy's sub-limits and exclusions carefully. Understanding the exclusions helps you avoid claim rejection.
Assess Add-On Costs: Review available add-ons and their prices. Select the ones that match your healthcare needs and budget.
Examine Age-Based Premium Increases: Always remember how premiums increase with age. Plans with stable age-band pricing are better suited to long-term affordability.
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. Online policy purchase 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 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, and number of family members.
Buying a health insurance policy with us is straightforward. Just follow these easy steps to purchase our insurance policy online, hassle-free.
Here’s a list of documents you may need when buying health insurance online:
Use Our Premium Calculator to explore plans and get an instant quote.
There's no specific age required to buy health insurance, but beginning a policy early can be advantageous. It’s wise to consider obtaining coverage sooner rather than later, as this often results in better benefits and greater peace of mind. Some factors may include:
Health Insurance for NRIs is here to support Non-Resident Indians when they travel to India, whether for a short or long stay. This NRI health insurance plan helps cover medical costs you may incur while in India, providing you with peace of mind. Please note that it doesn't include treatments outside India.
Explore Health Insurance Plans for NRIs and stay connected to quality health care.
Care Health Insurance strives to make quality health care accessible to everyone while maintaining a quick and hassle-free claim experience. Our customer app is an integrated platform 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’
Dealing with a health insurance claim rejection can be really disappointing, especially during a medical emergency. Most rejections result from simple mistakes that can be avoided. Here are common reasons for claim rejections and how to prevent them.
A leading cause of claim rejection is giving incomplete or inaccurate information to the policyholder. To avoid problems or denial later, be honest and transparent when purchasing health insurance by sharing accurate personal and medical details.
Some medical conditions have a waiting period, and claims submitted during this period may be rejected. To avoid rejection, understand the waiting period when purchasing the plan.
Certain treatments, like cosmetic or non-medically necessary dental procedures, aren't covered by insurance. Claims for these will be rejected. Review policy exclusions before purchasing extensive health coverage to prevent rejection.
Delay in submitting a claim can result in rejection. Inform your insurance company of the hospitalisation promptly and submit the required documents on time to avoid rejection.
Incomplete documentation can lead to claim rejections. Keep original documents safe and verify paperwork before submission to prevent rejection.
Claiming under an expired or unrenewed policy leads to rejection. To avoid this, set reminders and renew on time. With Care Health Insurance, you can renew your health insurance policy on the website in a few taps.
Violating terms, such as hospitalisation for non-medical reasons or ignoring a doctor’s advice, can lead to rejection. To avoid this, read your policy's terms and follow your doctor's medical protocol.
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.
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 your existing medical cover. Follow this simple step-by-step guide to port your existing health insurance policy and enjoy uninterrupted coverage with your new plan
Want to port your policy? Click here and explore plans.
If you fall into the taxable slab as per the Old Regime, your health insurance plan can provide you with tax benefits. If you pay the health insurance premium for yourself, your spouse, children, or parents, you can enjoy tax benefits under Section 80D and save more. As a policyholder, you can also claim up to ₹5,000 for preventive health check-ups. For more tax benefit-related information, explore our Health Insurance Tax Deduction .
Understanding key health insurance terms helps you choose the right plan and enjoy health insurance benefits more. Here are some common terms to know before buying a policy:
Explore our health insurance plans and find the right protection.
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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
~~Claim Settlement Ratio for the period April 2025 to Dec 2025
**Number of Claims Settled as of Dec 2025
^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.
##The premium is calculated for an insured individual (18) with a sum insured of 5 lakh in a Zone 3 city.
^^ Number of Cashless Healthcare Providers as of Dec 2025
1.Ultimate Care: The premium is calculated for two adults (18) with a minimum sum insured of 7 lakh in a Zone 3 city.
2.Care Supreme: The premium is calculated for individual (18) with a minimum sum insured of 7 lakh in a Zone 3 city.
3.Care Advantage: The premium is calculated for individual (18) with a minimum sum insured of 1 cr in a Zone 3 city.
4.Care Supreme Senior: The premium is calculated for an individual (61) who opts for a minimum sum insured of 7 lakh in a zone 3 city.
Secure Your Healthcare Finances with a health plan starting @ ₹9/day.##
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Cashless Healthcare Providers^^
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Claims Settled Since Inception**
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