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Care - Family Health Insurance

Care- a family health insurance plan fulfilling the healthcare needs of you and your loved ones with all the protection under one roof.

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Get Comprehensive Protection with Family Health Insurance

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    Reasons to Choose Care Health Insurance?

    • Healthcare Networks
    • Claim settled ratio
    • Claim settled

    What is Care - Health Insurance Plan for Family?

    Care is a family health insurance plan that safeguards you and your family against financial risks arising from a medical emergency with one single premium. With 'Care' by your side, you can be assured that you or any insured members get unified protection while unwell. We take up all the hassles related to your treatment cost so that you can stay worry-free and focus only on your recovery.

    The sum insured in the policy serves as a pool of funds for everyone to use. Any insured family member may use the sum insured in whole or in part to pay for hospitalisation and other medical expenses. You also have the flexibility to add new members as and when you wish as per family expansion.

    Plan Highlights of Care Family Health Insurance

    • Minimum entry age 91 days with at least one insured member’s age 18 years or above
    • No upper limit on maximum entry age
    • Family-specific policy where other members can be added
    • Age of the proposer should be 18 years or above
    • Option to avail personal accident cover
    • Deductible applicable as per policy terms and condition

    Cover Highlights

    Health Check-Up

    Annual health

    Robotic surgery

    Robotic surgery


    Emergency Ambulance


    (more or less than 24 hrs)



    Features of Care Family Health Insurance

    You can easily choose the best family floater health insurance plan in India, regardless of the size of the family or the age of the elder member in the family. Here are the features and benefits that make buying the best family health insurance plans in India worthwhile:

    See all Sum Insured Options arrow close

    KEY FEATURES 5L / 7L / 10L 15L/ 20L/ 25L/ 30L/ 40L 50L/ 60L/ 75L 1Cr/ 2Cr/ 3Cr/ 6Cr
    Covers the relevant medical expenses such as investigative tests, routine medication, etc. incurred by you up to 30 days before your hospitalization.
    30 Days 30 Days 30 Days 30 Days
    Refers to medical expenses incurred on doctor’s consultation fee, prescribed diagnostics and prescribed medicines 30 days before date of admission and 60 days after date of discharge
    60 Days 60 Days 60 Days 60 Days
    Day Care Treatment
    Covers medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for 24 hours or more. As a matter of fact we cover over 540+ day care procedures.
    tick-mark tick-mark tick-mark Upto SI
    Room Rent
    Covers expenses occurred while you're staying in a hospital. You can also upgrade your single private room should there be a need to and is recommended by a treating doctor.
    Single Private Room Single Private Room
    (upgradable to next level)
    Single Private Room
    (upgradable to next level)
    Single Private Room
    (upgradable to next level)
    ICU Charges
    Take care of ICU charges incurred during your hospitalization.
    No Limit No Limit No Limit No Limit
    Doctor Fees, etc. No Limit No Limit No Limit No Limit
    Daily Allowance - - - -
    Ambulance Cover
    In case of an emergency, we reimburse expenses incurred by you for availing a domestic road ambulance during your hospitalization.
    Upto Rs.2,000/
    Upto Rs.2,500/
    Upto Rs.3,000/
    Upto Rs.5,000
    Domiciliary Hospitalization
    In case hospitalization is not possible , then we cover for medical expenses incurred during your treatment at home for a period exceeding 3 consecutive days.
    Upto 10% of SI Upto 10% of SI Upto 10% of SI Upto 10% of SI
    Annual Health Check-Up
    To regularly monitor the health and well being, of each insured member, they get one health check-up in every policy year. We have already identified set of test that are covered under policy and you can book your health check-up appointment by using Care customer mobile app
    For All Insured Members For All Insured Members For All Insured Members For All Insured Members
    Maternity Cover - - Up to Rs.1,00,000 Up to Rs.2,00,000
    Alternative Treatment Up to Rs.20,000 Up to Rs.30,000 Up to Rs.40,000 Up to Rs.50,000
    No Claim Bonus##
    On renewal we will reward you by increasing your SI by 10% in case no claim is made in a Year before renewal. Maximum increase will not to exceed 50% in policy lifetime. If claim is made No Claim Bonus will be reduced by 10% on renewal. NCB Super is an optional benefit that increases your sum insured amount by 50% every claim-free year, up to a maximum of 100%. You can add NCB Super benefit to your policy by paying a slightly increased premium.
    Up to 150% of SI Up to 150% of SI Up to 150% of SI Upto 50% of SI
    Organ Donor Cover
    Covers the medical expenses that are incurred on treatment of an organ donor while undergoing the organ transplant surgery.
    Rs.1,00,000 Rs.2,00,000 Rs.3,00,000 Rs.5,00,000
    Second Opinion
    If you feel uncertain about your diagnosis, you can opt for a second opinion, arranged by us.
    tick-mark tick-mark tick-mark tick-mark
    Automatic Recharge of Sum Insured
    In case your sum insured is exhausted during long hospitalisation or due to multiple family members being hospitalised at same time, an amount equal to policy sum insured will be automatically added to your policy.
    Up to SI Up to SI Up to SI Up to SI
    Care Anywhere - - tick-mark -
    Vaccination Cover - - tick-mark Up to Rs.10,000 for children up to 18 years of age.

    ##No Claim Bonus = upto 50% increase due to No Claim Bonus +upto 100% increase due to No Claim Bonus SUPER( Optoinal Benefit)

    *Kindly refer to the policy document to check the complete list of health insurance features for family.


    Download the Brochure for Care Complete Plan Details

    Download Care complete plan details

    Read Through it!
    Get Complete Policy Details in the Brochure With Our Expert Assistance!

    Add-ons to cover your specific needs

    Covid Care With OPD

    Covid Care With OPD

    Get Covid Care with up to 1% of SI as OPD benefit after Govt. authorized confirmative diagnosis.

    See Details
    Covid Care

    Covid Care

    Covers expenses incurred for treatment/quarantine for (COVID-19) with a confirmative diagnosis from Govt. Authorized Centre.

    See Details
    No Claim Bonus Super

    No Claim Bonus Super

    You can increase your sum insured amount by 50% for every claim free year up to a maximum of 100%.

    See Details
    Care Shield

    Care Shield

    An add-on cover that offers 3 benefits claim shield, no claim bonus shield and inflation shield.

    See Details
    Reduction in PED Wait Period

    Reduction in PED Wait Period

    This Optional Cover reduces the applicable PED wait period from 48 months to 24 months.

    See Details

    OPD Care

    An Add-On cover that takes care of expenses incurred on Doctor Consultations, Pharmacy & Investigative Tests.

    See Details
    Unlimited Automatic Recharge

    Unlimited Automatic Recharge

    Option to recharge the Sum Insured unlimited times

    See Details
    Everyday Care

    Everyday Care

    Get covered up to 2% of your Sum Insured for doctor consultation & diagnostic tests.

    See Details
    Global Coverage

    Global Coverage

    Avail hospitalization expenses outside India

    See Details
    International Second Opinion

    International Second Opinion

    Covers expenses for consultation from International Medical experts

    See Details
    Air Ambulance Cover

    Air Ambulance Cover

    We pay for your necessary ambulance expenses

    See Details
    Co-payment Waiver

    Co-payment Waiver

    An Add on cover for 20% Co-payment Waiver

    See Details

    Health Insurance Family Plans Details

    • Minimum entry age is 91 days.

    • No upper age limit for enrollment.

    • Life long Renewability of policy under the prevailing health insurance product or its nearest substitute approved by IRDAI.

    • Co-payment - While buying or renewing a policy at age 61 years and above, customers will have the choice to include or exclude the co-payment feature that implies -

      • Continuing the policy with 20% co-payment

      • Continuing the policy without 20% co-payment by opting for a waiver benefit.

    • Premium to be paid on renewal and the subsequent continuation of cover are subject to change with prior approval from IRDA.

    • 30 days waiting period for claim for all illnesses, except injury.

    • Grace period of 30 days to renew your policy once it expires.

    Download Terms & Conditions
    • Any diagnosis of diseases / undergoing of surgery / occurrence of event, whose signs or symptoms first occur within 30 days of Policy Period Start date.

    • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide).

    • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse

    • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences

    • Congenital disease

    • Tests and treatment relating to infertility and in vitro fertilization.

    • War, riot, strike, nuclear weapons induced hospitalization.

    For complete list of exclusions please refer to policy TnC

    STEP 1


    Intimate within 24 hours of your hospitalization

    Planned Hospitalization

    Intimate us 48 hours prior to your hospitalization

    STEP 2


    Request for pre-authorization


    Claim from submission

    Complete the pre-authorization form available
    at 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 policy terms & conditions



    Approval letter sent by the claim management team



    Insured to response to the query raised by the claim management team



    We will communicate the reason in case of rejection

    Discount upto 20% on Health Insurance Premium Discount upto 20% on Health Insurance Premium


    Look for hospitals around you

    Detailed Hospital List
    21100+ Health Care Providers Across The Globe

    21100+ Cashless Providers

    21100+ Health Care Providers Across The Globe

    Voice of our Customers

    Mahendra Kumar

    review My wife got a knee injury and hospitalized for a week. Most of the hospitalization expenses were covered under the family floater policy. The claim settlement was quick and hassle-free. Happy with the services.

    Narang Sahu

    review Good Customer Care Service. Highly recommend it to friends and family.

    Ajeet Pai

    review I am happy with the Care- Health Policy from Care Health Insurance. I got the call back in just 5 min, and Mr. Rajan was very helpful during the entire buying process. Good Job!

    Sulekha Bhardwaj

    review My search for the most comprehensive family health insurance ends here. Mr. Rama was very helpful and explained the policy features in detail. Premium is affordable, and we now feel secure! Thanks, Care Health Insurance.

    Shaila Gupta

    review Recently purchased care -health plan online from the website. It is very much pocket-friendly. Good Customer Service by Nadeem! All questions were answered promptly.
    Ankita Sharma

    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 timely intimation regarding the acceptance of my claim amount settled by you.

    Ankita Sharma

    Health Insurance

    Indubala Nambiar

    We will continue to avail of your scheme

    Thank you for settling the claim amount. It helped me a lot during my tough time. The process is smooth and hassle-free. I will continue with Care Health Insurance and recommend it to my friends as well.

    Indubala Nambiar

    Health Insurance

    Vikas Singh

    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.

    Vikas Singh

    Health Insurance

    Sahil Khattar

    Really helpful explaining the process in advance

    I just wanted to thank you for the exceptional response from you on the recent cashless hospitalization request related to my mother's operation. You were really helpful throughout.

    Sahil Khattar

    Health Insurance

    Aditya Sharma

    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 holding payment or rejecting it outright on very flimsy grounds was not the case with Care health insurance, May your tribe grow more

    Aditya Sharma

    Health Insurance

    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 is one of the renowned health insurers serving this industry for quite a long time. Health insurance policies offered by the insurer are designed keeping the needs of the customers in mind. . CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible comprehensive coverage. With a robust number of 21100+ cashless hospitals, 95.2% CSR ratio and more than 30 lakh claims settled till date, Care Health Insurance no doubt can be a good choice for addressing your health insurance needs.


    Awarded as Claims
    Leader of the year


    30 Lakh + Claims Settled^^


    Cashless claim processing
    in approx. 2 hours

    ^^number of claims settled as on February, 2022

    FAQs on Family Insurance Plans


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    Most Frequently Asked Questions

    Q.Is there a cashless facility with Care family insurance plans?

    Yes, at any of our cashless healthcare providers, you can avail cashless facility with our best mediclaim policy for families.

    Q.Who can be covered under Care’s family health insurance policy?

    You can cover yourself, your spouse, dependent children, and your parents under the family health insurance policy.

    Q.Do my family members or I need to undergo a Medical Check-Up while buying a Care family mediclaim policy?

    You may be required to undergo a medical check-up while buying Care health insurance mediclaim for the family if any member insured is above 45 age or for a sum insured of Rs. 15 Lakhs or above.

    Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.

    *Features available with additional Add-on ,*NCB will not be lost if claimed amount is less than 25% of SI, Coverage is available in Government Authorized Centre *For detailed list of non-payable items refer Annexure I of policy details.

    ^Annual premium for product 'Care' and 'Care Shield (add on)' is Rs. 6160/-(excl. GST) for 1 adult falling under the age bracket 05-24 years, 1 Adult 18-24 age group 3 Yr with NCB Super (Add-on).

    ^^Number of Cashless Healthcare Providers till 31st Dec 2022

    **10% discount is applicable for a 3-year policy

    #Claim Settlement Ratio is for FY 19-20 and number of claims settled till February 2022.


    Download the Brochure for Care Complete Plan Details

    Download Care complete plan details

    Read Through it!
    Get Complete Policy Details in the Brochure With Our Expert Assistance!

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