Reasons to Choose Care Health Insurance?
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13,186 claims settled
30+ network hospitals in Jammu
1,91,125 lives covered locally
Often called the ‘City of Temples’, Jammu is located in the southern part of the Union Territory of Jammu and Kashmir, and it’s geographically closer to the plains like Punjab/Haryana than to the Kashmir Valley. The city offers a steady pace of life, expanding healthcare and education, and a strong sense of community.
However, beyond this lifestyle, an important consideration is the reliability of the city’s healthcare system for residents. Although Jammu has a wide public healthcare network, it is not fully accessible to rural areas, and the doctor-patient ratio is around 1:1880, indicating a significant healthcare gap. This is why a large portion of people rely on private hospitals for personalised care, but not all can afford it. This is where health insurance can help effectively manage healthcare expenses.
Here is the list of current illnesses in Jammu and their treatment cost at Jammu’s private hospitals:
| Illness | Treatment | Estimated Cost (Jammu - Private Hospitals) |
|---|---|---|
| Dengue / Viral Fever | Medications, IV fluids, hospitalisation | ₹10,000 -₹50,000 |
| Tuberculosis (TB) | Long-term medications, follow-ups | ₹20,000- ₹1 lakh |
| Diabetes | Medications, tests, and possible hospitalisation | ₹30,000-₹1.5 lakh |
| Hypertension | Medication, tests, and possible procedures | ₹50,000- ₹3 lakh |
| Kidney Stones | Medication or surgery | ₹40,000- ₹1.5 lakh |
| Gallbladder Stones | Laparoscopic surgery | ₹60,000-₹2 lakh |
| Cancer | Chemotherapy, radiation therapy, and surgery | ₹3 lakh- ₹10 lakh+ |
| Road Accidents | Emergency care, ICU, surgery | ₹1 lakh- ₹5 lakh+ |
Depending on your coverage needs, you can choose from the following health insurance plans in Jammu:
| Type | Description |
|---|---|
| Individual Health Insurance | Covers medical expenses for a single person, including hospitalisation, treatments, and related healthcare costs. |
| Family Floater Health Insurance | Secure your entire family from emergencies under a single sum insured. |
| Senior Citizen Health Insurance | Safeguard your elderly parents against age-related illnesses and emergencies with a senior citizen health policy. |
| Critical Illness Insurance | Ensure financial protection against serious illnesses such as Alzheimer's, cancer, and many more. |
| Personal Accident Insurance | Stay financially secure against accidental injuries, disability, or death with coverage during unexpected life-altering events. |
Here are some of our most suitable plans that we recommend in Jammu as per the disease prevalence in the city:
| Plans | USPs | Who should buy it? |
|---|---|---|
| Care Critical Mediclaim |
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| Secure Plus |
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| Ultimate Care |
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The right health insurance coverage can be different for everyone. When deciding on a specific amount, it is advisable to consider factors such as your age, diseases prevalent in Jammu and their treatment costs, the number of dependents in your family, and their pre-existing conditions.
This helps you choose the right coverage amount. Since a single hospitalisation for common illnesses can amount to lakhs in Jammu, we recommend coverage of ₹5-10 lakh for emergency hospitalisations. On the other hand, if you’re seeking a family floater plan, choose coverage between ₹10-20 lakh to meet elderly care needs and plan for the possibility of multiple claims in a year.
Here are the inclusions and exclusions of our health insurance plan in Jammu.
Here are some key reasons for choosing Care Health Insurance as your insurer:
Here’s how you can file both cashless and reimbursement claims in Jammu:
| Cashless Claim | Reimbursement Claim |
|---|---|
| Get admitted to any of our network hospitals. | Settle the hospital bills at the time of discharge |
| Fill out the pre-authorisation form at the hospital’s TPA desk and send it to our claim team. | Submit the claim form along with the relevant supporting documents, including original hospital bills, discharge summary and prescriptions. |
| Our team will review your request and might ask for additional documents if needed. | Our claims team will review the submitted documents and issue an approval letter upon completion of the evaluation. |
| After reviewing your claim and verifying your documents, our team will send the approval | After verification, the approved claim amount will be transferred to your bank account. |
| Lastly, the bill will be directly settled with the network hospital. |
After the policy tenure expires, you’re required to renew it to continue receiving its benefits. Here’s how you can do that:
Step 1: Visit our official website
Step 2: Select the ‘Renew’ option located at the top-right corner. You’ll be redirected to the renewal page.
Step 3: On the page, enter your details, such as your registered contact number and policy number
Step 4: Review your policy details
Step 5: In the payment section, pay the renewal premium using any secure payment method.
Disclaimer: All plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.
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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) 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.
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Company of the Year*
74.5 Lakh+ Claims Settled**
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CASHLESS HEALTHCARE PROVIDERS^^
**Number of claims settled as of Dec 2024 *India Insurance Summit & Awards 2023
Yes, our health insurance policy in Jammu offers Pan-India coverage, allowing you to avail cashless treatment at any network hospital across India, not just in Jammu.
Your premium in Jammu can be affected by numerous factors, such as age, medical history, sum insured, and the number of family members covered under the policy.
Identity proof, address proof, age proof, and medical history are some documents required to purchase a policy.
Yes, daycare procedures, such as cataract surgery and chemotherapy, are covered by our health insurance plan in Jammu.
Yes, you can port your existing policy at the time of policy renewal.
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Claims Settled Since Inception**
2 hours
Cashless Claims Approval
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Disclaimer:^Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
^^Number of Cashless Healthcare Providers as of Dec 2025
**Number of Claims Settled as of Dec 2025
*The Premium Payback benefit refunds the first-year base premium after each block of 5 consecutive claim-free years
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