Care Group Health Insurance

Care health insurance company formerly known as Religare health insurance offers health insurance policy. Care health insurance policy offers individual as well as group health insurance policy. The company has a strong presence across 1700 locations in PAN India. Care group health insurance policy provides flexible plans as per requirement, pre-existing diseases covered from day 1, newborn cover from day 1, direct claim settlement, and many more.

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Tailored health plans, dedicated expertise - the perfect match for your organization's well-being
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Whom do you want to insure?

  • Employee, spouse & kids

  • Employee only

Benefits of Care Group Health Insurance

There are several benefits of Care group health insurance policy. Care group health insurance offers two plans and their benefits are mentioned in the table below.

Group health insurance


Plan 1

Plan 2

In-patient Care (Medical Expenses Cover)

Covered up to SI

Covered up to SI

Day-care treatment

Covered up to SI

Covered up to SI

Room rent Limit and ICU limit (respectively)

One percent & two percent of SI

Two percent & four percent of SI

Waiting period

· 30 days, Second-year exclusion

· Pre-existing diseases

Waived off

Waived off

Pre-hospitalization & Post Hospitalization medical expenses

30 days and 60 days respectively

30 days and 60 days respectively

Domestic road ambulance

Rs. 1000

Rs. 2500

Maternity expenses delivery

(9 month waiting period in respect of maternity claims waived off)

25000 for normal and 35000 for LSCS first two living children only

35000 for normal and 50000 for LSCS first two living children only

Pre Natal and Post Natat

(for a period of 30 days)

Rs. 2500 part of maternity limit

Rs. 5000 part of maternity limit

Inclusions of Care Group Health Insurance

If the policyholder is diagnosed with illness or suffers an injury during the policy tenure. The policy will provide cover for the following:

  1. In-patient Care: The medical charges incurred during the hospitalization of the insured on the written advice of a medical practitioner are indemnified.  
  2. Day Care Treatment: The medical expenses incurred during the daycare treatment at a daycare centre or hospital on the written advice of a medical practitioner are indemnified.

The maximum, total and cumulative liability for the insured person while raising any claim incurred under the policy tenure will not exceed the sum insured amount.

  1. Sum-limit on Room Rent: If the room rent incurred is higher than the 1% of the SI per day then the insured person will have to bear the extra charges of the medical expenses.
  2. Sub-Limit on ICU charges: If the charges incurred are higher than than the ICU charges limit of 2% of SI per day then the insured member will have to bear the extra charges of the medical expenses.

Exclusions of Care Group Health Insurance

Care group health insurance policy does not provide cover for the following:

  1. Waiting period: Claim raised for any Medical Expenses incurred for treatment of any kind of illness in the starting 30 days of the cover tenure will not be admissible. The medical expenses incurred due to an injury will be covered.
  2. Specified Waiting period: For the starting 24 months, no claims raised by the insured will be admissible for the following illnesses or surgical procedures.
    • The policy does not cover for Non infective Arthiritis, Osteoarthritis and Osteoporosis.
    • The policy does not cover for Gout and Rheumatism
    • Spinal disorders are not covered.
    • The policy does not cover for Joint replacement Surgery.
    • ENT disorders and surgeries are not covered.
    • The policy does not provide cover for nasal septum deviation.
    • Sinusitis and related disorders are not covered.
    • The policy does not provide cover for Benign Prostatic Hypertrophy.
    • Cataract, Dilatation and Curettage are not covered under this policy.
    • The policy does not provide cover for Fissure/Fistula in anus.
    • The policy does not provide cover for Hemorrhoids/Piles.
    • The policy does not provide cover for Pilonidal Sinus.
    • Gastric and Duodenal Ulcers are not covered.
    • Genito urinary system surgery is not covered.
    • The policy does not cover any kind of Hernia or Hydrocele.
    • The policy does not cover for Hysterectomy for menorrhagia, fibromyoma.
    • The policy does not provide cover for any Internal tumors and skin tumours.
    • The policy does not provide cover for cysts and nodules.
    • Polyps and Breast lumps (each of any kind) unless malignant are not covered under the policy.
    • Kidney Stone and Ureteric Stone are not covered under the policy.
    • The policy does not cover for Gall bladder Stone and Lithotripsy
    • Varicose veins and varicose ulcers are not covered under this policy.
  3. Pre-existing diseases:If the policyholder suffers from any of the illnesses mentioned above, he will not be provided coverage under the policy.

Care Group Health Insurance Claim Procedure

To avail of the cashless claim, the insured has to follow the procedure mentioned below:

  1. Cashless Claim: The policy will provide cashless facility only at the network providers. The insured will have to provide a valid photo identification document (like: Voter ID card / Driving License /Passport / PAN Card / any other identification documentation as approved by insurance company).
  2. Reimbursement:
  • At least 48 hours before the commencement of a planned hospitalization, the insured will have to tell the insurance company about it or within 24 hours of admission to Hospital if the Hospitalization is required in an Emergency.
  • All the documents and information should be submitted to the insurance company immediately  an in any event within 15 days of insured person discharges from the hospital after the treatment is done.
Employee health insurance

Documents Required During Claim

The policyholder will have to provide following document and informations to the insurance company while raising the claim.

  1. The form should be filled properly
  2. Written letter by the doctor that advised for hospitalization
  3. Doctor’s prescription that advised medicines, test.
  4. Bill provided by the hospital, discharge card from the doctor.
  5. Bill from the medical store.
  6. Original test reports and payment receipts.
  7. Case papers and documents.
  8. FIR/ final police report, if required
  9. Post mortem report, if conducted
  10. Any other document as required by the insurance company or TPA to assess the Claim.


  • The insurance company will accept properly verified photocopies of the documents attested by insurance company or reimbursement provider submitted along with original payment certificate.
  • The insurane company is liable to accept the bills/invoice that are made in the policyholder’s name.
  • The insurenace company will entertain the delay only when the reason of delay is beyond control of the policyholder.

Care Group Health Insurance FAQs

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Policybazaar for Business - Group Health Insurance - Customer Reviews
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Based on 189 reviews
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Based on 189 reviews
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3.8 April 09, 2023
Excellent Support
It was easy to buy insurance from PolicyBazaar website and customer support was also amazing to clear all the doubts.Thankyou. Highly worth it.
4.3 April 01, 2023
Necessary Investment
It is a good and necessary investment. Thanks PB.
4.3 March 24, 2023
Provides Satisfactory Results
I purchased Group health insurance at policybazaar recently and i am so much satisfied with the plan. The application process was smooth and efficient, making the typically tedious task of getting insurance surprisingly hassle-free.Thanks PB.
3.8 March 16, 2023
Helpful In Making Decisions
When it came to selcting the right Group Health Insurance, Policybazaar offered an impressive range of options from reputable insurers. I appreciated the comprehensive details avalable for each policy which helped me to take the better decisions. Thankyou.
4.3 March 15, 2023
Increases Clients Expectations
I recently had the pleasure of securing a Group Health Insurance policy throug PolicyBazaar and I must say the Entire process exceeded my expectations! From start to finish, their service werw great. Thankyou.
3.8 March 02, 2023
Great Experience
I got great deals on PolicyBazaar website. Highly recommend.
4.3 February 17, 2023
Excellent Purchase
It was a excellent purchase at PolicyBazaaar. Thankyou team.
4.3 February 04, 2023
Prompt Services
Policybazaar's efficient claims process was impressive. In case of any medical emergencies, my employees were able to get their claims settled swiftly, allowing them to focus on their health and recovery without worrying about financial aspects.Thankyou
4.3 January 22, 2023
Budget Friendly Purchase
Thankyou PolicyBazaar for providing such a great plan at affordable premium rates. It was a budget-freindly purchase.
4.3 January 09, 2023
Multiple Range Of Benefits
I purchased Group health Insurance which offered me plans with affordable rates Thankyou PB.

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  • Disclaimers+

    *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer.

    ^ The pre-existing diseases are only covered as per insurer T&Cs.

    #Tax Benefits are subject to changes in tax laws.The benefits mentioned are as per insurer T&Cs and are available with or without extra cost depending on the plan and insurer chosen .Therefore, to learn more about the benefits in detail, contact the HR department of your company or check the insurance policy documents.. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.Policybazaar is registered as a Composite Broker | Registration No. 742, Registration Code No. IRDA/ DB 797/ 19, Valid till 09/06/2024, License category- Composite Broker.
    *Savings of 65% are based on the comparison between the highest and lowest premiums provided by different insurance companies for Rs 5 lakh cover for 50 employees falling in the age group ranging between 19-55 years with room rent limits of 1% and 2% of sum insured for normal and ICU rooms respectively and does not include PED and maternity coverage. Premium starting from
    +₹110/Employee/Month for ₹1 Lac Sum Insured covering Health & Wellness Needs (excluding GST), Premium may vary on the basis of coverage type & add-ons, All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
    By clicking on "View Plans Instantly" you agree to our Privacy Policy and Terms Of Use and also provide us a formal mandate to represent you to the insurer and communicate to you the grant of a cover.
    The details of insurance coverage, inclusions and exclusions are subject to change as per solutions offered by insurance providers. The content has been curated based on the general practices in the industry. Policybazaar is not responsible for the factual correctness of these details.

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