Care Plan
Care
8.6/10
OneAssure Rating
8.6/10
OneAssure Rating
Highlighted Features
Normal Room Rent and ICU room rent Coverage
Stay comfortably in a standard hospital room as per policy limits and full or partial coverage for intensive care stays, ensuring top-notch medical attention.
Copayment
Standard Health Plans might have no copayment- if chosen accordingly.
Brochure
Policy Wording
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Our Verdict
A notable feature is the option to reduce the pre-existing disease waiting period from 3 years to 2 years with an add-on. However, for policyholders above 61, a 20% co-payment applies, and room rent is limited to a single private room. This plan is suitable for individuals seeking comprehensive coverage with flexibility for pre-existing conditions, but seniors should consider the co-payment clause.
About the Plan
Care Health Insurance offers comprehensive health plans designed to provide financial security against medical expenses. Their plans cover in-patient hospitalization, pre and post-hospitalization, daycare procedures, organ transplants, and emergency services. With flexible sum insured options, No Claim Bonus benefits, and features like sum insured recharge, policyholders get enhanced coverage. Additional add-ons, including global coverage and air ambulance services, further strengthen protection. Available for individuals and families, Care Health Insurance ensures quality healthcare access with extensive benefits and wide hospital network coverage.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent
Single private AC room is included as part of base cover
ICU Charges
No restriction on ICU room rent
Disease-wise sublimits
No
Co-Payment
Available as an option
Restoration Benefit
Yes, your sum insured restores to 100% once every policy year
Cumulative Bonus
For every year you don’t make a claim, your sum insured increases by 10%. You can pay an additional premium to increase sum insured by 50% upto 100% for every claim free year
Consumable Cover
No. However, available as an add-on
Initial Waiting Period
30 days. For the first 30 days after buying your policy, hospital stays won’t be covered unless it’s an accident
Specific Waiting Period
2 years
PED Waiting Period
3 years
Modern Treatments
Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
Annual Health Checkup
Health check-up is available once every policy year, from day 1 of the policy
Daycare Treatment
Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured
AYUSH Treatment
Covers AYUSH treatment expenses up to your annual sum insured during the policy period
Pre-Hospitalisation
You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved
Post-Hospitalisation
You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it
Outpatient Department Cover (OPD Expense)
OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage
Deductible Option
Available as an option
Cashless Healthcare Providers
21700+ Healthcare Providers
Coverage Options
Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹30L, ₹40L, ₹50L, ₹60L, ₹75L
Claim settlement ratio
87.10%
Maternity Cover
Not available
Exclusions
Congenital external anomalies, genetic disorders (unless covered).
Medical expenses for conditions existing before policy inception are typically excluded for a specified waiting period.
Certain treatments and diseases are not covered during initial periods after the policy starts, such as the first 30 days for general illnesses and up to 48 months for specific conditions
Expenses related to infertility tests and treatments, including in vitro fertilization, are typically not covered.
Expenses for psychiatric treatments and mental health conditions are often excluded.
Exclusions
NCB - Increases sum insured annually for claim-free years, by 50% upto 100%
Reduction in PED - Modify pre-existing disease waiting period from 4 to 2 years
Care Shield - Covers consumable costs like gloves, syringes, and medical supplies, etc. which are usually not included in base coverage
OPD Benefit - Covers outpatient consultations, tests, and pharmacy expenses
Air Ambulance - Covers emergency air transport to the nearest hospital for critical care
Unlimited Automatic Recharge - Restores sum insured unlimited times after exhaustion in a policy year
Add-ons
Related Variants
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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.
About the Company
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