Care Health Insurance Review

Care Health insurance provides a wide range of health policies with sum insured starting from INR 3 lakh to INR 6 crore. All these health policies come up with benefits such as Covid-19 coverage, free health check-ups, outpatient care, hospitalization costs and also new age benefits like international coverage, e-opinions and earn and referral awards.

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Care Health Insurance

4.5

Our star ratings are based on a range of criteria and are determined solely by our editorial team. See our methodology for more information.

19,000 + Cashless Network Hospitals

Sum Insured Limit Range

INR 3 lakh to INR 6 core

Additional Benefits

Annual medical check-up for all policyholders. All Covid-19 treatments covered

19,000 + Cashless Network Hospitals

Sum Insured Limit Range

INR 3 lakh to INR 6 core

Additional Benefits

Annual medical check-up for all policyholders. All Covid-19 treatments covered

Pros & Cons

• Multiple ways to enhance the sum insured amount such as automatic recharge, no claim bonus benefit and no claim bonus super.
• Pre-policy health check-up is not required.
• Strong network of 19,000+ cashless hospitalization.
• Increase in the coverage on the basis of the inflation rate of the previous year.
• User-friendly mobile application.

• Co-payment is applicable in certain policies.
• Certain policies have sub-limits on choosing room categories.
• Maternity coverage is optional in youth-focused plans.

Network Hospitals: 19,000+

Coverage for Covid-19 treatment: Yes

Lifelong Renewability: Yes

Tax Savings: Up to INR 75,000

Care Family Health Insurance:

As the name suggests, this policy aims to provide protection to you and your entire family. It offers a wide  range of benefits, which includes cover for modern treatments, day care hospitalization costs, ambulance cover, among others. The sum insured of this plan starts from INR 5 lakh and goes up to INR 6 crore.

Key Features:

• Coverage for pre-hospitalization costs is 30 days.
• Cover post-hospitalization and discharge costs is 60 days.
• No limit on room rent, the insured can opt for a single private room and can also upgrade it to the next level, according to the sum insured amount.
• There’s no limit on intensive care unit (ICU) costs and doctor’s fees.
• Coverage of ambulance cover up to INR 5,000, as per the sum insured amount.
• Coverage for modern treatments such as robotic surgeries, among others.
• Option to enhance the sum insured amount by 50% and maximum up to 100% for every claim free year.
• Add-on benefit that covers outpatient costs (OPD) costs such as tests, consultations.
• Daily allowance that covers non-health costs such as food and transportation can be availed as an add-on cover.
• International or world-wide coverage that enables the insured to avail treatment outside India and consultation from international doctors.
• Initial waiting period is 30 days and the grace period is 30 days.

Eligibility Criteria for Care Family Health Plan

• Minimum age to avail this policy is 91 days and there’s no upper age limit.
• Total of six members can be covered under this policy.

Care Joy Maternity Insurance Plan

This plan provides coverage for pregnant mothers and their newborn. It offers coverage for all the hospitalization expenses and alcovers most 540-day care treatments such as operations, treatments and surgeries that are done in less than one day of hospitalization. The plan comes in two variants: Joy Today and Joy Premium.

Key Features:

• Coverage for inpatient care of mother and the newborn.
• Coverage for more than 540 daycare and modern treatments such as robotic surgeries, etc.
• Access to one private room with an air-conditioner.
• Newborns are covered till the first 90 days under maternity coverage.
• Policy is available for three years long-term tenure.
• Avail 10% discount if choosing a multi- year plan.
• Cover for pre hospitalization costs: 30 days.
• Cover post hospitalization and discharge costs: 60 days.
• Ambulance claim is available up to INR 1,000.
• New born birth defects are only covered in the Joy Tomorrow plan.
• Maternity coverage up to INR 30,000 is available for INR 3 lakh of the sum insured amount.
• Maternity coverage up to INR 50,000 is available for INR 5 lakh of the sum insured amount.
• The waiting period for Joy Today is nine months and Joy Tomorrow is three years.

Eligibility Criteria for Joy Maternity Plan

• Minimum age is 18 years or more and one day to 24 years for the child.
• Maximum age is 45 years.

Care Freedom Health Plan

This policy by Care provides insurance for patients related to diabetes, high blood-pressure, and other lifestyle diseases. There is no need to undergo any health-check up before purchasing this policy. The sum insured amount ranges from INR 3 lakh to INR 10 lakh.

Key Features:

• Coverage for in-patient hospitalization costs such as room costs, nursing costs, ICU costs, surgeon fees, among others.
• Covers day care treatment costs, if the insured is hospitalized for less than a day.
• Avail one free annual health check-up in every policy year.
• Ambulance cover is available up to INR 1,000.
• If the insured’s hospitalization is more than 10 days, the travel cost of one close relative is covered.
• Avail consumable allowance for INR 1,000 every day on items such as PPE kits, gloves, mask, cotton, among others.
• Coverage for kidney failure dialysis up to INR 1,000 per sitting is available for a year.

Eligibility Criteria for Joy Maternity Plan

• Minimum age for the sum insured amount INR 3 lakh and INR 5 lakh: Adult 18 years and child 91 days.
• Minimum age for the sum insured amount INR 7 lakh and INR 10 lakh: Adult 46 years and child 91 days.
• Maximum age for adults is lifelong and for the child is 24 years.

Care Cancer Mediclaim Policy

Cancer health plan by Care provides protection against all the stages of cancer treatment costs. It provides extensive coverage to cancer related treatments such as chemo-therapy, radiotherapy and more. The sum insured amount ranges from INR 10 lakh to INR 2 crore.

Key Features:

• Add more to the sum insured amount by availing no-claim bonus benefit.
• Coverage is available to all kinds and all stages of cancer.
• Coverage for costs related to the high-end and costly modern treatments, cost of hospitalization, day care procedures and other health costs related to cancer cover plan.
• Coverage for availing opinion or consultation from Indian and international doctors.
• The insured has the option to choose EMI options for paying premium on monthly and quarterly basis, if the policy tenure is of two or three years.
• Other optional benefits such as air ambulance, accidental hospitalization, among others are available.
• The waiting period to avail the claim and benefit under this policy is 90 days.

Eligibility Criteria for Care Cancer Mediclaim Plan

• Minimum age is five years for the child and 50 years for adults.
• No limit on maximum entry age.

Care Plus- Complete Health Insurance Plan

This plan is a comprehensive health insurance plan by Care, where the insured gets a 5% discount on purchasing it via online portal. It also provides the no-claim bonus, which enhances the sum insured amount up to 200%. There are also several new age benefits attached to complete health policy such as e-consultation, and a lot of earn and referral rewards. The sum insured range of this plan starts from INR 3 lakh and goes till INR 25 lakh.

Key Features:

• Coverage for in-patient hospitalization costs such as room costs, nursing costs, ICU costs, surgeon fees, among others.
• Covers day care treatment costs, if the insured is hospitalized for less than a day.
• Coverage for modern treatments, which requires specified technology such as robotic surgeries, among others.
• Avail one free annual health check-up in every policy year.
• Coverage for costs related to dental and eye related consultation up to INR 1,500.
• There is 50% addition in the sum insured amount in every claim free year, with maximum limit till 200% of the sum insured amount.
• If in any case the insured’s sum amount gets exhausted, then automatically the amount equivalent to the sum insured gets refilled. The insured avail this benefit an unlimited number of times.
• Avail coverage of personal accidents up to 100% of the sum insured amount.
• The base sum insured amount is increased at every renewal of the policy on the basis of last year’s inflation rate.
• The insured can avail e-consultation via video or voice call an unlimited number of times.
• The ‘earn and burn’ reward points, earned by the insured via wellness program activity can be utilized further.
• The policy tenure options are of one, two and three years.

Eligibility Criteria for Care Plus- Complete Health Insurance Plan

• Minimum entry age for individual policy is 36 years.
• Minimum entry age for floater policy: 91 days with at least covering one member of 36 years or above.
• Maximum entry age for adults: Lifelong.
• Maximum entry age for the child is 24 years.

Care Senior Citizen Health Insurance

This policy aims to provide health insurance for senior citizens, aged 61 years or above. To purchase this policy, the elderly people are not required to get their pre-policy health check-up done. The policy ensures benefits like pre and post hospitalization costs covered along with the other benefits like automatic recharge of the sum insured, modern treatment costs, etc. The sum insured range starts from INR 3 lakh and goes till INR 10 lakh.

Key Features:

• Coverage for in-patient hospitalization costs such as room costs, nursing costs, ICU costs, surgeon fees, among others.
• Covers day care treatment costs, if the insured is hospitalized for less than a day.
• Coverage for modern treatments, which requires specified technology such as robotic surgeries, among others.
• Avail one free annual health check-up in every policy year.
• Coverage for costs such as diagnostic tests, routine medication up to 30 days before hospitalization.
• Coverage for costs such as diagnostic tests, routine medication up to 60 days post hospitalization.
• Daily allowance coverage is given for a maximum of five days up to INR 500 per day.
• Ambulance coverage up to INR 2,000
• Coverage related to organ donor costs up to INR 1 Lakh
• If in any case the insured’s sum amount gets exhausted, then automatically the amount equivalent to the sum insured gets refilled. The insured avail this benefit an unlimited number of times.
• The insured can avail e-consultation via video or voice call an unlimited number of times.
• The insured has an option to opt or waive off 20% co-payment feature.
• The waiting period of any pre-existing disease is 48 months.

Eligibility Criteria for Care Senior Citizen Health Insurance Plan

• Minimum entry age is 61 years.
• Maximum entry age is lifelong.

Care Critical Illness Insurance

This plan by Care, aims to provide coverage against 32 life-threatening diseases such as cancer, heart stroke, kidney failure. The sum insured option for this plan starts from INR 10 lakh and goes till INR 2 crore.

Key Features:

• Coverage for expenses such as ICU charges, doctor charges, nursing fees, anesthesia, among others.
• Cover costs related to 30 days before hospitalization and 60 days after hospitalization.
• Any treatment costs incurred by the insured that require 24 hour- day hospitalization gets covered.
• Coverage of the costs related to OPD such as doctor’s consultation, tests and medicine bills.
• Coverage for availing ambulance service.
• Coverage for organ donor and dialysis cover.
• Coverage for modern treatments like chemotherapy, radiotherapy, and others.
• Avail one free annual health check-up in every policy year.
• This is a long-term policy which can be renewed after one claim year.
• The initial waiting period of the plan is 90 days.

Eligibility Criteria for Care Critical Insurance Plan

• Minimum entry age of the child is 91 days to four years, with at least one member of 18 years or above.
• Maximum age is 65 years.

Care Youth Health Insurance plan

This policy is best-suited and specially designed for younger policyholders. It provides comprehensive sum insured coverage, special discounts, no co-pay clause and new-age benefits like unlimited e-consultations, easy to use health portal, among others. The sum insured ranges from INR 3 lakh to INR 25 lakh.

Key Features:

• 10% discount on renewals and 5% discount for purchasing the policy online.
• Covers outpatient department (OPD) costs like doctor consultation and ophthalmic consultations.
• Optional coverage available for maternity and new-born.
• Access to health portal offers like chat with doctors, digital locker for health records, etc.
• Treatments related to AYUSH are covered.
• Avail no claim bonus for every claim free year up to a maximum limit of 200% of the sum insured.
• Annual health check-up once in a policy year.
• In patient hospitalization and modern treatment costs are covered as per the sum insured amount.
• Pre-hospitalization coverage for 60 days and post discharge coverage for 90 days.

Eligibility for Care Youth Plan

• Minimum age is 18 years and 91 days old child in family floater plan.
• Maximum Age is 35 years and 24 years for the child in the family floater plan.

Care for 45+ Health Insurance Policy

This policy can be idle for middle-aged people who are above the age of 45 years. This is a standard plan that covers the treatment costs related to Ayush, modern treatments, day care costs, among others. The sum insured amount ranges from INR 5 lakh to INR 10 lakh.

Key Features:

• Coverage for expenses such as ICU charges, doctor charges, nursing fees, anesthesia, among others.
• Pre-hospitalization coverage for 30 days and post discharge coverage for 60 days.
• In patient hospitalization and modern treatment costs are covered as per the sum insured amount.
• Daily allowance coverage is given for a maximum of five days up to INR 500 per day.
• Ambulance cover is available up to INR 2,000.
• Coverage related to organ donor costs up to INR 1 lakh.
• If in any case the insured’s sum amount gets exhausted, then automatically the amount equivalent to the sum insured gets refilled. The insured avail this benefit an unlimited number of times.
• The insured can avail e-consultation via video or voice call an unlimited number of times.
• Coverage up to INR 20,000 for AYUSH treatment costs.
• Option to enhance the sum insured amount by 50% for every claim free year with a maximum limit of 100% under no claim bonus benefit.
• Option to increase the sum insured amount on the basis of inflation rate of previous year.

Eligibility for Care 45+ Plan

• Minimum age (individual) is 46 years
• Minimum age (family floater) is 91 days
• Maximum age for adult is 60 years
• Maximum age for child is 24 years

Care Advantage Plan

This plan comes with high sum insured options ranging from INR 25 lakh to INR 1 crore. Apart from covering pre and post hospitalization expenses, Care Advantage policy offers other benefits such as emergency ambulance, wide variety of day care treatments, and option to increase the sum insured via no claim bonus and automatic recharge benefit.

Key Features:

• Coverage for more than 540-day care treatment costs, which require less than 24 hours of hospitalization.
• Pre-hospitalization coverage for 30 days and post discharge coverage for 60 days.
• In patient hospitalization costs such as ICU charges, doctor charges, nursing fees, anesthesia, among others, are covered as per the sum insured amount.
• Coverage for using ambulance service as per the sum insured amount.
• Coverage for organ donor treatment costs.
• Option to enhance the sum insured amount by 10%, with a maximum limit of 50% under no claim bonus benefit, if the insured has not filed any claim.
• If in any case the insured’s sum amount gets exhausted, then automatically the amount equivalent to the sum insured gets refilled. The insured avail this benefit once in his or her policy year.

Eligibility Criteria for Care Advantage Plan

• Minimum age for adults is five years and the child is 91 days in floater policy.
• Maximum age for adults is lifelong and the child is 24 years.

Care Heart Plan

This policy is specially designed to provide insurance for heart patients. This plan provides coverage, if the insured is diagnosed with any heart ailments or have gone through from any heart related surgeries in the past. Care Heart plan has essential benefits such as coverage for pre and post hospitalization costs, pre-existing heart ailments, heart check-ups, and also provide coverage for alternate treatments like ayurvedic or homeopathic. The sum insured ranges from INR 3 lakh to INR 10 lakh.

Key Features:

• Pre-hospitalization coverage for 30 days and post discharge coverage for 60 days.
• Coverage for AYUSH treatments up to 25% of the sum insured amount.
• Coverage for availing ambulance services up to INR 3,000.
• Provides cardiac health check-up every policy year.
• Coverage up to 1% of the sum insured for renting out hospital room rent charges under INR 3 lakh sum insured plan.
• Beyond INR 5 lakh to INR 10 lakh, the insured can avail single private rooms without any limit.
• Coverage up to 2% of the sum insured for ICU charges under INR 3 lakh sum insured plan. Beyond INR 5 lakh to INR 10 lakh, all the costs related to ICU are fully covered.
• Option to enhance the sum insured amount by 10%, with a maximum limit of 50% under no claim bonus benefit, if the insured has not filed any claim.
• If in any case the insured’s sum amount gets exhausted, then automatically the amount equivalent to the sum insured gets refilled. The insured avail this benefit once in his or her policy year.
• Add-on coverage for home care expenses such as nursing costs.

Eligibility Criteria for Care Heart Plan

• Minimum age is 18 years and no limit on maximum age.

Care Classic Health Plan

Care Classic plan is a city-based health policy that aims to provide insurance keeping in mind which city the insured belongs to. As health expenses vary for different cities, tier-1 and tier-2 towns are comparatively cheaper as compared to metro cities. Here, the sum insured ranges from INR 5 lakh to INR 15 lakh.

Key Features:

• Coverage for a single private AC room.
• There is no limit on ICU charges.
• Pre-hospitalization coverage for 60 days and post discharge coverage for 90 days.
• In patient hospitalization costs such as ICU charges, doctor charges, nursing fees, anesthesia, among others, are covered as per the sum insured amount.
• Coverage for more than 540-day care treatment costs, which require less than 24 hours of hospitalization.
• Coverage for AYUSH treatments up to 10% of the sum insured amount.
• Coverage for treatment at home if hospitalization exceeds more than three days.
• Coverage for using ambulance service up to INR 1,000 for every policy year.
• Coverage for organ donor treatment costs.
• Option to enhance the sum insured amount by 25%, with a maximum limit of 150% under no claim bonus benefit, if the insured has not filed any claim.
• If in any case the insured’s sum amount gets exhausted, then automatically the amount equivalent to the sum insured gets refilled. The insured avail this benefit unlimited number of times.
• The insured can avail unlimited e-consultations which can be booked via mobile application.
• Add-on coverage for hospitalization costs related to lifestyle diseases such as diabetes, hypertension, asthma after waiting period of 30 days.
• Coverage for in vitro fertilization (IVF) treatment costs.

Eligibility for Care Classic Health Plan

• Minimum age is 91 days and maximum age is 60 years.
• Minimum age of child is 24 years in individual type of policy.

Care Super Top-up Health Policy

This is a top-up health plan which provides extra coverage to any standard and basic health policy with added sum insured amount. As top-up plans are deductible, which means the insured has to pay a certain amount only once to avail the benefit of multiple claims. At Care, the insured can opt for a policy deductible amount between INR 1 lakh to INR 10 lakh.

Key Features:

• Pre-hospitalization coverage for 30 days and post discharge coverage for 60 days.
• In patient hospitalization costs such as ICU charges, doctor charges, nursing fees, anesthesia, among others, are covered as per the sum insured amount.
• Coverage for more than 170-day care treatment costs, which require less than 24 hours of hospitalization.
• Coverage for a single private room.
• The insured can avail free health check-up for self or people covered in the policy.
• Coverage for health expert opinion on a specific ailment is available as an add-on cover.

Eligibility for Care Super Top-up Plan

• Minimum age is 18 years and for the child is one day in floater and five years in individual policy.
• Maximum age has no limit for adults and for the child is 24 years.

Care Aarogya Sanjeevani Policy

This is a basic health insurance policy which provides the sum insured of INR 5 lakh. It covers benefits such as AYUSH treatment costs, diagnosis and tests, ambulance expenses and also covers cataract treatment.

Key Features:

• Pre-hospitalization coverage for 30 days and post discharge coverage for 60 days.
• In patient hospitalization costs are covered as per the sum insured amount.
• Coverage for cataract treatment per eye is up to 25% of the sum insured or INR 40,000, whichever is less.
• There is co-payment of 5% on all the claims.
• Ambulance cover is available up to INR 2000.
• 5% in the sum insured amount for every claim free policy year.

Care Coronavirus Insurance

This plan provides comprehensive coverage to protect the insured and the covered members against the Covid-19 health emergencies. The sum insured of the policy starts from INR 3 lakh to INR 10 lakh. It covers a total of six members in the family, including two adults and four dependent children. The company also provides Corona Kavach policy, where the sum insured goes up to INR 5 lakh.

Key Features:

• Coverage for hospitalization expenses related to Covid-19.
• Coverage for day care treatment costs.
• Coverage for AYUSH treatment.
• Hospital daily cash can be availed as an optional cover.

Care Operation Insurance

This is an indemnity-based policy, which provides the coverage for the costs related to certain surgical procedures. It comes with the benefits such as no claim bonus, day care treatment cost and annual health check-up.

Key features:

• Coverage for specific surgical procedures such as heart surgery, knee or kidney surgery, among others
• Coverage for pre and post hospitalization expenses up to 30 days and 60 days respectively.
• Coverage for in-patient and day care treatment costs.
• Coverage for ICU and ambulance charges.
• One free annual health check-up.
• The insured can enhance the sum insured under no-claim bonus benefit.
• Lifelong renewability.

• Hospitalization costs arising out of any illness or injury will be covered.
• Pre-hospitalization expenses incurred 30 days prior to the hospitalization and post-hospitalization. expenses incurred 60 days after the discharge from the hospital.
• Coverage for more than 540 day care procedures.
• Ambulance coverage.
• Maternity coverage and newborn coverage.
• Annual health checkups.
• Coverage of the costs related to the AYUSH treatment.
• Policy covers pre- and post-hospitalization expenses related to Covid-19.
• Modern and advanced treatment coverage.

• Self-injuries arising out of suicide or attempted suicide.
• Expenses arising due to drug or alcohol abuse.
• Hospitalization costs related to war, nuclear weapons or any sort of riots.
• Cosmetic surgeries.
• Treatment costs related to inherited medical conditions.

Let’s see the options in which the insured can file a claim in the Care health policies:

Case 1: If the insured have received the treatment at network hospital, then following is the process to be followed:

• Notify the insurance company and give details about the cashless claim form at least 48 hours before hospitalization.
• The insured will receive the confirmation letter and then he or she can intimate the network hospital about the claim.
• As a next step, the insured must submit the health card and the confirmation letter received from the Care, and then the company would pay the bills.
• If the insured visits the network hospital in an emergency, then the insured is required to submit the cashless claim form to the company, before 24 hours post being hospitalized.

Case 2: If the insured takes up the treatment from a non-network hospital:

• The insured is required to pay the expenses and bills then file a reimbursement claim by informing the insurance company.
• Post intimating the claim, the buyer needs to fill the pre-authorization claim form available at the hospital and upload the relevant documents, mentioned below, to start the process.
• Once the insurance company receives the requirement claim form and the required documents, then they proceed to initiate the claim settlement process and award the reimbursement to you.

• Duly filled claim form with signature of the applicant.
• Valid identity proof such as Aadhar card, voter ID, passport, PAN card, and driving license.
• Prescription by a doctor suggesting hospitalization, diagnostic tests and medicines.
• Medicine bills, case papers, discharge summary and ambulance receipt.
• Insurance policy stating the name, address, illness and other details of the insured.

While analyzing the health insurance policies byCare Insurance, Forbes Advisor India evaluated them on the basis of the following parameters:

Network of Hospitals: It is always better to check if the insurance company has an adequate list of network hospitals. Care Health Insurance has a network of more than 19,000 cashless hospitals.

Sub-Limits: A health policy that does not have any sub-limits on hospital room rent or co-payment clause, is also an important factor while considering a health policy. Certain policies of Care involve sub-limits on room rent and co-payments on the claims.

Policy Terms and Conditions: For buying an effective health policy, it becomes necessary to check the terms and conditions of the policy before actually purchasing it.

Waiting Period: This is also a very crucial parameter, as the insured will not be able to activate the policy if the waiting period is not completed.

Benefits: Care health policies have a huge range of benefits such as international coverage, maternity and newborn coverage, earn and referral rewards, free annual health checkups, wide range of the sum insured, multiple options to enhance the sum assured via no claim bonus and recharge benefit, etc.

Range of the Sum Insured: Buying a comprehensive sum insured health coverage for family is always beneficial. Having a wide range of the sum insured can be quite helpful in choosing a perfect health policy.

Renewability of Policy: We have also taken into consideration how easy it is to renew the policy once taken from Care. All the plans ensure lifelong renewability, where the insured can renew the policy for life, irrespective of any age or other issues.