OneAssure Verdict

Company Stats

About the company

Insurance Policies

KYC Documents

Claims

Renewals

Contact

Other companies

FAQs

Care Health Insurance

6.3/10

OneAssure Rating

90.5%

Claim Settlement Ratio

24800+

Network Hospitals

6.3/10

OneAssure Rating

Our Verdict

Care offers a diverse range of health insurance products tailored for individuals and families. Their portfolio includes policies that provide coverage for chronic conditions starting from day 30, a maternity plan with a 9-month waiting period, and a Global Cover policy for international healthcare needs.

Care Supreme, their flagship product, stands out with features such as no room rent restrictions, 100% restoration of the sum insured, and a cumulative bonus of up to 5 times the base amount. The plans are competitively priced, and the user-friendly app enhances the customer experience by enabling easy tracking of wellness benefits and available discounts.

Pros

Trusted Brand

Covered over 7 crore lives, earning recognition as a reliable and innCare Health Insurance offers comprehensive plans like Care Supreme, featuring high cumulative bonuses, no sub-limits on room or treatment types, and early coverage for conditions like diabetes with an additional premium. While maternity plans are costly with long waiting periods, super top-ups and a DIY customer app enhance convenience and coverage.

innovative health insurance provider.

Customer-Centric Service

Settled 48 lakh claims, ensuring quick and reliable assistance during medical emergencies.

Comprehensive Coverage

Care Supreme offers no sub-limits on room type, treatment methods, or AYUSH treatments, ensuring flexibility and extensive coverage.

Pre-Existing Condition Inclusion

Covers conditions like BP, cholesterol, and diabetes after just 30 days with an additional premium, providing early protection.

Super Top-Up Options

Allows customers to extend their coverage up to ₹95 lakhs, ensuring financial security for major medical expenses.

Pros

Cons

Expensive Maternity Plans

Maternity-specific plans have high premiums and waiting periods of 9 to 24 months.

Pre-Existing Condition Coverage Costs

Coverage for conditions like diabetes and hypertension is available only at an additional premium. Annual health checkups, consumable coverage are to be bought additionally.

Limited Affordability for High Coverage

Premiums for flagship products like Care Supreme and super top-ups may be costly for budget-conscious buyers.

Cons

Company Stats

Industry Avg.

6623.86

Care Health Insurance

6864.46

Gross Direct Premium

Industry Avg.

63.63%

Care Health Insurance

57.69%

ICR%

Rating 6.3/10

Solvency2.3/4

ICR1.5/3

Growth2.5/3

About the Company

Care Health Insurance, previously known as Religare Health Insurance Company Limited, is a trusted health insurance provider offering plans to protect you and your family during medical emergencies. Founded in 2012, it has settled 48 lakh claims and covered over 7 crore lives since inception. Care ensures seamless access to advanced treatments, AYUSH therapies, and more.

Care Health Insurance delivers comprehensive health coverage tailored to diverse needs. Plans like Care Supreme provide high cumulative bonuses, no sub-limits on room or treatment types, and early coverage for conditions such as diabetes with an additional premium. Care Health Insurance prioritizes health and financial security, offering reliable support for every stage of life.

Insurance Policies

Care Senior Plan

Care Joy Plan

Care Care Plan

Care Heart Plan

Care Supreme Plan

Care Freedom Plan

Care Classic Plan

Care Enhance Plan

Care Enhance Super Top Up Health Plan

Care Super Mediclaim

Care Plus Plan

Care Joy Maternity Insurance Plan

Care Advantage Plan

Care Supreme Enhance Option 1

Care Supreme Enhance Option 2

Care Ultimate

Care Super Mediclaim Plan

KYC Documents Required

Aadhar Card

Voter ID Card

PAN card

Passport

Claim Settlement

Cashless Claim

Step 1 - Visit Network Hospital

Step 2 - Inform OneAssure

Step 3 - Carry Required Documents

Step 4 - Fill Pre-authorization Form

Step 5 - Seek Approval

Step 6 - Claim Settlement

Reimbursement Claim

Step 1 - Notify the Insurer

Step 2 - Settle Hospital Bills

Step 3 - Collect Medical Documents and Receipts

Step 4 - Fill Out the Claim Form

Step 5 - Await Claim Review and Reimbursement

Renewal

Online Renewal

Step 1 - Go to Care Health Insurance website for online renewal process.

Step 2 - Enter login credentials to access your health insurance account.

Step 3 - Choose the health insurance policy you wish to renew

Step 4 - Confirm policy details such as coverage and personal information.

Step 5 - Pay the renewal premium using your preferred online payment method.

Step 6 - Get renewal confirmation via email and save your updated policy.

Offline Renewal

Step 1 - Visit the Nearest Care Health Insurance Branch

Step 2 - Provide Your Policy Details to the Representative

Step 3 - Choose Your Desired Renewal Plan

Step 4 - Submit Required Documents for Renewal

Step 5 - Pay the Premium via Cheque or Demand Draft

Step 6 - Receive Confirmation of Renewal and Policy Documents

Key points

Renew before policy expiry to maintain coverage.

Review and update personal and policy details

Disclose any new medical conditions honestly.

Consider increasing sum insured if needed.

Be aware of any changes in policy terms

Customer Support

Talk to our experts for Insurance Assistance for FREE

For Care Health Insurance customer care :

Toll Free - 18001026655 or 18001024488

E-mail - customerfirst@careinsurance.com

Other related companies

IFFCO TOKIO General Insurance Company Limited

Frequently Asked Questions

1. HOW TO PORT TO CARE HEALTH INSURANCE?

2. TAX BENEFITS

3. HOW TO BUY CARE HEALTH INSURANCE FROM ONEASSURE?

4. HOW TO BUY CARE HEALTH INSURANCE FROM ONEASSURE?

Frequently Asked Questions

HOW TO PORT TO CARE HEALTH INSURANCE? - Step 1: Approximately 60 days before your current policy renewal date, you have the option to port.
Step 2: If you decide to proceed with porting, our team will discuss all the related information with you. Based on this discussion, they will recommend a suitable plan.
Step 3: After you have made your decision, depending on the chosen plan, you will need to provide us with additional documents that are not listed in your current policy document. These documents may include your height, weight, claim details if any, previous year policy copies, nominee's name, nominee's date of birth, and their relationship with you.
Step 4: The registration process for the new policy will be completed on the insurer's online portal.
Step 5: Once the registration is done, you will receive a payment link via email and phone. After making the payment, your new policy will be promptly issued.
TAX BENEFITS - Under Section 80D of the Income Tax Act, individuals are eligible for a tax deduction of up to ₹25,000 per year on health insurance premiums.
For senior citizens, this limit is extended to ₹50,000 per year.
Additionally, taxpayers can claim an additional deduction of up to ₹5,000 for expenses incurred on preventive health check-ups.
HOW TO BUY CARE HEALTH INSURANCE FROM ONEASSURE? - Step 1: Visit www.oneassure.in or call us at +91 6364334343 to connect with our expert advisors.
Step 2: Receive 100% unbiased recommendations tailored to your needs from our team of expert advisors.
Step 3: They will help you select the best option that suits you.
Step 4: You will need to provide us with the necessary KYC documents to proceed with the issuance further.
Step 5: We will generate the payment link on your phone and email.
Step 6: Once you’ve made the payment, your policy will be issued promptly.
Step 7: If you have declared any medical conditions, additional reports must be submitted.
HOW TO BUY CARE HEALTH INSURANCE FROM ONEASSURE? - Step 1: Visit www.oneassure.in or call us at +91 6364334343 to connect with our expert advisors.
Step 2: Receive 100% unbiased recommendations tailored to your needs from our team of expert advisors.
Step 3: They will help you select the best option that suits you.
Step 4: You will need to provide us with the necessary KYC documents to proceed with the issuance further.
Step 5: We will generate the payment link on your phone and email.
Step 6: Once you’ve made the payment, your policy will be issued promptly.
Step 7: If you have declared any medical conditions, additional reports must be submitted.