Health Insurance for Everyone
At an affordable price for you
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
Confused by so many options?
Let us guide you to the right plan
Save up to 20%*
On health insurance premium
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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We thank you for your interest in Care Health Insurance (formerly known as Religare Health Insurance Company Limited). Our expert will call you soon to assist you.
Terms & Conditions of Premium Quote Generation
"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
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total coverage ( in lacs )
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Super Top-up Sum Insured
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(Premium includes 18% GST)
EMI starting from ₹ 500 / month
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ANNUAL HEALTH CHECK-UP
Annual Health Check-Up for all insured members are covered in the policy
IN PATIENT CARE
If you are admitted to a hospital, for a minimum period of 24 hours, we pay for room charges, nursing expenses, doctor’s fee, ICU charges, etc
We cover the related medical expenses incurred by you even 30 days before your hospitalization
We cover the related medical expenses incurred by you after your hospitalization also, for a period of 60 days
ORGAN DONOR COVER
We will reimburse you for medical expenses that are incurred by an organ donor while undergoing the organ transplant surgery
Day care treatments
We pay for your medical expenses if you undergo even a day care treatment at a hospital that requires hospitalization for less than 24 hours
You are entitled to an expert opinion from a specialist medical professional, on ailments pertaining to certain specified major illnesses. We shall arrange the services for you on your behalf.
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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HEALTH CHECK PLUS
Policy Benefits of Enhance
FAMILY FLOATER OPTION
EXPERT OPINION (ADD-ON BENEFIT)
Pre & Post hospitalizationExpenses
ICU CHARGES, DOCTOR'S FEES ETC, -NO LIMIT
Enhance complete plan details
Add-ons to cover your specific needs
An add-on cover that offers expert opinion from a specialist medical professional, on ailments pertaining to certain specified major illnesses. We shall arrange the services for you on your behalf.
Super Top-up Plan Details
Entry age - Minimum Adult: 18 years and Child: 1 day (floater), 5 years (individual)
Entry Age - Maximum Adult no age limit and Child 24 years
Co-payment 20% per claim if entry age> 60 years
Initial Wait Period - 30 days
Named Ailment Waiting Period - 24 months
Pre-existing Disease Wait Period - 48 months
Any pre-existing ailment/injury that was diagnosed /acquired within 48 months prior to issuance of the first policy.
Any diseases contracted during first 30 days of the policy start date except those arising out of accidents
Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
Cost of spectacles/contact lenses, dental treatment
Medical expenses incurred for treatment of AIDS
Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
Tests and treatment relating to infertility and in vitro fertilisation
Intimate within 24 hours of your hospitalization
Intimate us 24 hours of your hospitalization
Claim Payment Verification
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 polict terms & conditions.
Insured to respond to the query raised by the claim management team
We will communicate the reason in case of rejection
15500+HEALTH CARE PROVIDERS SERVE CASHLESS MEDICAL SERVICES ACROSS THE GLOBE
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Voice of our Customers
Good and proactive response from the team. Very courteous and special thanks to Mr Raja Pal for his hospitality.
Online payments were smooth and the customer service was pretty helpful. Premium was also affordable.
Health now a day is very important. It is a must to buy a good health insurance policy for yourself and your family. Highly Recommended CHI
Got single policy for entire family under the family floater option. Customer Service were helpful
I got recommended by friend for Enhance- Super top plan by Care health insurance. I would say it was the wise decision I have opted for my family floater policy. Satisfied with services and support from the team.
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
7 Lakh+ Total claims paid
Cashless claim approval in approx. 2 hours
Health insurance is a vital investment that every family should consider. As we notice, medical care costs are steadily rising; there is every chance that your existing health insurance coverage might prove inadequate for future needs. Super top up health insurance is the best way to boost your existing health cover and be safe from any financial impact that medical emergencies are often known to create.
It is a type of insurance that provides an additional coverage amount for an existing health insurance policy and serves as a financial backup when your health care expenses are higher than what your present health policy would cover.
A prominent feature of super top up insurance is that it gives coverage for cumulative hospitalization expenses a policyholder incurs in a policy year, above the deductible limit. Unlike a health insurance top up plan, Enhance – A super top up insurance will cover multiple claims and keep you secured.
You now have a choice to go for a 'floater plan' that will cover you and members of your immediate family –that is, spouse, children, or parents - under a single policy, up to the sum insured.
You can avail of long term policy discount on buying health insurance super top up plans for more than 1 year. Focus on adding more to your savings with premium discounts on a 2-year and 3-year policy.
Not just your hospital bills, other medical expenditures you may incur during medical treatment, like doctor's consultations, medication, follow-up visits, etc., will be covered under this plan, giving you complete protection from a financial strain.
With the facility of cashless hospitalization, you will be no longer worrying about medical bill payments. Get admitted at a network hospital empanelled with us, and you can concentrate only on your recovery; we shall take care of the rest! We will settle your expenses directly with the network hospital, subject to policy T&C.
Whether it is a planned medical treatment or emergency hospitalization, just present the Care Health Card at any of our 15500+ leading network hospitals and access the cashless service. To get reimbursement of your expenses when you opt for a non-network hospital, simply notify us immediately about the claim. You can call us directly and submit the specified documents to us. We will process your claim, subject to policy T&C.
We help you in reviewing your decision about purchasing the policy. If you find it unsuitable for your needs, you can cancel and return it to us. The policy gives you a free-look period of 15 days from the date of receipt of the policy.
Enhance - Our Super Top Up Plan is based on the principle of Policy Deductible. That is, you will need to bear a pre-defined amount from your pocket during a medical event. We will bear the rest, up to the sum insured, subject to policy T&C.
Here's an example: Suppose you have chosen
If you opt for a ₹ 6 lac sum insured with a deductible of ₹ 2 lacs, then 2lacs will be borne by you and ₹ 6 lac over and above the deductible will be borne by us during the policy period.
Ideally, every family should consider investing in a health cover with a high sum insured that is adequate to cover all the medical expenses one might incur, whether during a planned treatment or in an emergency.
Now, instead of paying a higher premium by upgrading your existing health cover, you can go for a super top up plan. It will also give an edge over health top up plans that only cover single claims in a year. Here are individuals or groups who will significantly benefit from this policy:
A super top up insurance plan serves you as a financial back-up if your existing health coverage proves insufficient to meet your immediate medical expenses. To help you pick the best super top up health insurance plans in India, here are quick points you can remember when looking for a policy:
The hefty medical bills and skyrocketing healthcare inflation create a financial burden for the patients and their families; in such situations, a super top up plan acts as a reservoir. Let's check what all it covers:
Some hospital bills can lead to loss of savings. With the super top up health insurance, you can now forget about this potential burden. We will cover the expenses towards hospital room charges, nursing expenses, ICU charges, surgeon's fee, doctor's fee, anesthesia, blood, oxygen, and operation theatre charges, subject to policy T&C.
Your journey to recovery starts even before you are hospitalized, which slowly adds to your medical bills. With the super top up policy, your medical expenses incurred 30 days prior to hospitalization will be covered.
The time after hospitalization is crucial and demands utmost medical attention. You might incur more medical bills, which could be significant. The super top up policy will cover medical expenses incurred up to 60 days after hospitalization, keeping you financially safe.
To help you keep track of health, we provide the benefit of an annual health check-up you can avail, for yourself and your family under this super top up health insurance plan.
When dealing with an ailment, the medical expenses one might incur on an organ donor while undergoing the organ transplant surgery are covered under this super top up plan.
We help you get advanced medical care without any financial worry, as our plan will provide adequate protection and cover for treatment procedures, including robotic surgeries.
You can opt for our super top up plan online in few simple steps:
You will receive a health insurance policy document on your registered email id. The policy documents will include policy numbers and e-card
Policyholders can prevent facing a possible hassle when filing a claim by knowing about the exclusions, the things not covered under super top up and health top up plans. Some exclusions are:
For a super top up plan, we have a simplified claim procedure to help you stay worry-free. You can file a claim in two of the following ways:
Note: Notify our support team within 24 hours of hospitalization in a medical emergency and before 48 hours in planned hospitalization.
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Most Frequently Asked Questions
Disclaimer: The Information above is just for reference. Kindly read T & C of the policy thoroughly, Do refer to IRDAI guidelines for tax exemption conditions.
*IBAI Claims Handbook for FY 19-20
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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