Care Health Insurance
Formerly known as Religare Health Insurance, Care Health has reinvented itself with competitively priced plans and a strong digital presence. Their Care Supreme and Care Advantage plans offer some of the best value-for-money propositions in the standalone health insurance segment.
Claim Settlement
86.5%
Network Hospitals
9,800
Incurred Claim Ratio
65.3%
Claims Difficulty
Medium
Overview
Key Strengths
- Highly competitive premium pricing for young, healthy individuals
- Care Supreme — feature-rich plan with no room rent limits
- Strong digital-first approach with quick policy issuance
- Good balance between coverage depth and premium affordability
- Flexible sum insured options going up to 6 crore
Key Weaknesses
- Claims settlement ratio lower than top competitors
- Hospital network smaller than Star Health and HDFC ERGO
- Past brand transition (Religare to Care) caused some trust erosion
- Customer service response times can be inconsistent
Top Plans
Care Supreme
Sum Insured
5L - 6Cr
Starting Premium
6,100/yr*
*Premium for 30-year-old, individual plan, base variant
Care Advantage
Sum Insured
3L - 50L
Starting Premium
4,500/yr*
*Premium for 30-year-old, individual plan, base variant
Care Freedom
Sum Insured
5L - 10L
Starting Premium
3,900/yr*
*Premium for 30-year-old, individual plan, base variant
Claims Data
Claim Settlement Ratio
Some documentation requirements, occasional follow-ups
The claim settlement ratio indicates the percentage of claims settled out of total claims received. A higher ratio means the insurer pays out more claims. Industry average is approximately 85%.
Incurred Claim Ratio
65.3%
HealthyThe incurred claim ratio measures total claims paid versus premiums earned. A ratio near 60-80% is considered healthy. Above 100% means the insurer is paying more in claims than it collects in premiums.
Source: IRDAI Annual Report FY2024-25
Network Hospitals
9,800
empanelled hospitalsNetwork hospitals are where you can avail cashless treatment. A larger network means more choices and convenience across cities. The industry leader has approximately 14,000+ hospitals. Always verify if your preferred hospital is in-network before hospitalisation.
Gotcha Alerts
These are policy fine-print items that can catch you off guard at claim time. We surface them upfront so you can make informed decisions.
Specific disease waiting period extends to 4 years
Pre-existing conditions and specified diseases like knee replacement, hernia, and cataracts have a 48-month waiting period. Some competitors have reduced this to 24-36 months on premium plans.
Source: Care Supreme, Section 4 — Waiting Periods, Clause 4.3
Co-payment applicable for senior citizens above 61
A 10-20% co-payment is mandatory for policyholders above 61 years of age on most plans. This co-pay cannot be opted out regardless of sum insured chosen.
Source: Care Health Elderly Plan Addendum, Clause 3.1
Compare with other insurers
See how Care Health Insurance stacks up against competitors on coverage, pricing, and claims experience.