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Insurance for Everyone Starting at ₹21/day^

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  • Individual & Family Health Insurance
  • 1 Crore Health Insurance Plan
  • Health Insurance for Senior Citizen
  • Health Insurance for Diabetes, High B.P or BMI
  • Maternity Insurance Plan
  • Super Top-up Plan
  • Health Insurance for Heart Patients

Shimla is one of the largest cities of Himachal Pradesh and the capital of this state. The town has many government and private hospitals that cater to the healthcare needs of the patients. These healthcare facilities allow locals to live a healthy lifestyle. However, with the increasing number of ailments such as diabetes, heart disorders, and cancer, there has been an increase in the demand for health insurance in Shimla.

There are various reasons to opt for medical insurance. If you have your family to support, then you must opt for a family floater health insurance plan. With the help of medical insurance, you can avail of the benefit of cashless treatment that allows you to get immediate treatment. You can get the best treatment without worrying about the cash crunch. You can connect with the team of our health insurance agents in Shimla for further assistance. 

The Need for Health Insurance in Shimla

In the time of medical inflation, a single visit to a hospital or hospitalisation can affect your savings. Also, there are various factors such as pollution, hectic working schedule, and unhealthy eating habits acting as catalysts to this present life situation.

Not having health insurance can leave you in big trouble financially. All you need to do is to prepare yourself; hence having medical insurance policies is like a saviour that can sail you through these difficult times. With the help of health insurance in Shimla, you can easily cover your medical bills as they are settled by the health insurer, subject to the policy terms and conditions.

Tips to Consider Before Buying Health Insurance in Shimla

Health insurance is an essential buy in today’s time, as there has been a significant rise in treatment costs. With so many health insurers offering a similar type of product, it is challenging to opt for a health policy that meets your requirements.

Here are certain tips that you must consider before buying a health cover:

  • Assess your healthcare needs
  • Check the cashless network of hospitals
  • Consider a policy with maternity cover
  • Lifetime renewability
  • Understand the claim settlement ratio, co-payment, and sub-limits
  • Read all the inclusions and exclusions of the health insurance policy
  • Read the online reviews given by the existing customers
Click to know about Care Health Insurance Claim Settlement Ratio

How to Avail Cashless Treatment in Shimla?

Cashless treatment under health insurance Shimla policy helps you in the situation of an unforeseen medical emergency. With the help of this facility, you can avail of immediate treatment at cashless network hospitals in Shimla. We settle your medical bills directly to the hospital (subject to the policy terms and conditions) after the approval from the claim management team.

Click to Learn about Cashless Treatment and How to Avail

To avail of this facility, you must follow these below-mentioned steps:

  • Identify the network hospital
  • Submit the duly signed pre-authorisation form
  • Submit all the necessary documents at the hospital insurance desk
  • Once the documents are submitted, the claim management team will raise the query, if required. After the approval, the medical expenses will be borne by the us, subject to the policy terms and conditions.
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Family Health Insurance

  • Annual Health Checkup & Save Tax 
  • Modern Treatments Coverage

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Family Health Insurance

1 Crore Health Plan

  • Upto 50% No Claim Bonus
  • Individual or Floater Option

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1 Crore Health Plan

Health Insurance for Senior Citizens

  • No Pre-policy medical check-up
  • Annual Health check-up for all insured persons

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Health Insurance for Senior Citizens

Voice of our Customers

Sulbha Ravindra

review The customer support is really good and fast. It made the experience of buying a family health insurance plan really hassle-free

Ganesh Kumar

review Good customer service by Nadeem ! Prompt answers to all the queries related to family health insurance product

Gopinathan Pillai

review It was an awesome experience. I have purchased my family health insurance policy using the app in 10 minutes. The app is so smooth. Keep it up.

Avinash Tiwari

review Hassle Free insurance buying process. Highly Recommend Care

Priyanka Singh

review Excellent health insurance plan! Covers annual health check-up for all family members

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.

Best Health Insurance Company of the year

Best Health Insurance
Company of the year*


Claims Settled**



**Number of claims settled as of 30th March 2024       *India Insurance Summit & Awards 2023

Benefits of Health Insurance

The right medical insurance covers expenses such as doctor consultation fees, ambulance cover, and pre and post-hospitalisation expenses. Having health insurance comes with numerous benefits:

Why *Care is the Best Health Insurance Company in Shimla?

Nowadays, there is no shortage of health insurers and health insurance agents in Shimla that may help you in opting for the right health cover. But, be sure to choose adequate medical insurance. Care Health Insurance is one of the biggest health insurance companies in the health insurance sector. A lower premium, cashless network hospitals in Shimla, and ample options for health policies are some of the benefits that come when buying a health cover from this company. Opting for a health cover is now just a click away. All you need to do is to visit the official website of Care Health Insurance.


The company offers several health policies that can fulfil the need of individuals and their families. It has partnered with more than 11400+ cashless network hospitals. With the help of 24*7 claim support, you can reach out to the team through email or call them on the toll-free number. The company offers affordable health policies that are worth your hard-earned money; this is why we are the best health insurance company in Shimla.


~Tax benefit is subject to changes in tax laws. Standard T&C Apply

^^Number of Cashless Healthcare Providers as of 31st March 2024

**Number of Claims Settled as of 31st March 2024

^Premium calculated for an individual (Age 18) for sum insured 5 Lakhs in Zone 2 cities.

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