Care Health Insurance (Formerly Religare Health Insurance)

Why Buy Care Health Insurance (Formerly known as Religare Health Insurance) Plans?

You can buy some of the most comprehensive and wide range of medical insurance plans from Care Health Insurance (Formerly known as Religare Health Insurance).

If you are planning to buy one from Care Health Insurance (Formerly known as Religare Health Insurance), you can check out the list of reasons that make it a beneficial choice:

• Promising Claim Settlement Ratio-The Care Health Insurance (Formerly known as Religare Health Insurance) company’s claim settlement ratio also reflects positively at 93%. It is important to check CSR of the company, which is the ratio of the claim settled to the claims received by the Insurer. The higher the percentage, the better is the claim settlement ability.
• Ultra-wide Hospital Network: The insured people have an option to avail treatment in more than 7400 leading hospitals across India.
• Easy Claim and Grievance Redressal: Care customer care and health insurance team are well-equipped to cater to your queries round-the-clock. Just bring your requirements to the insurer and you will get an adequate resolution right away. The turn-around item for cashless health insurance claims in around 2-
• Comprehensive Health Insurance Products: The insurance products offered by the Care Health Insurance (Formerly known as Religare Health Insurance) company are all-inclusive. Insured members can ensure good health by availing the right treatment at one of the best hospitals in India or abroad, as per the plan purchased.

Key Benefits of Care Health Insurance (Formerly known as Religare Health Insurance) Plan

Care Health Insurance (Formerly known as Religare Health Insurance) offers comprehensive health insurance plans that make it a smart choice for you and your family.

Following are the key benefits of  Care Health Insurance (Formerly known as Religare Health Insurance)  plans that a policyholder can avail.

• Care Health Insurance (Formerly known as Religare Health Insurance) offers health insurance plans for families up to 6 members (4 Adults and 2 Children)
• Its health insurance plans offer expense coverage for up to 30 Days and 60 Days prior to and post hospitalization
• Care Health Insurance (Formerly known as Religare Health Insurance) also provides critical illness cover and pays for the expenses incurred on treatment on life-threatening illnesses
• The insurer also gives an option to avail alternative treatment cover, day-care procedures, ambulance cover, health check-ups, and the likewise
• The insurance company has designed specific health plans that cover 16 critical heart-related conditions
• Wide range of defined surgeries are also recompensed by Care Health Insurance (Formerly known as Religare Health Insurance) plans
• Pre-existing diseases are covered after a waiting period of 4 years
• Care Health Insurance (Formerly known as Religare Health Insurance) policies are lifelong renewable, and the policyholder does not have to worry about any financial issue that may strike during a medical emergency
• Care Health Insurance (Formerly known as Religare Health Insurance) has tie-up with more than 7400 hospitals where the insured person can avail cashless treatment facility
• Auto recharge or restoration of the sum insured is provided in case the coverage is exhausted after availing the medical treatment
• Care Health Insurance (Formerly known as Religare Health Insurance) provides an easy portability option to its customers. It follows a simple process including checking premium payments, providing coverage details, pending payments etc.
• The insured can avail free medical checkup facilities as well

Care Health Insurance (Formerly known as Religare Health Insurance) Plan Add on Covers

The following are the add-on covers offered by Care Health Insurance (Formerly known as Religare Health Insurance) with all their medical insurance plans:

• No Claim Bonus Super: This add on cover by Care Health Insurance (Formerly known as Religare Health Insurance) provides an increase in the sum insured by 50% for every claim-free year up to a maximum of 100%
• Everyday Care: This add on cover provides 1% of Sum Insured for doctor consultation & diagnostic tests each
• Unlimited Automatic Recharge: This add on cover by Care Health Insurance (Formerly known as Religare Health Insurance) provides reinstatement of the sum insured every time it gets exhausted, for an unlimited number of times.
• Air Ambulance Cover: This add on cover provides proper coverage for treatments which are not in your city
• Personal Accident Cover: This add on cover provides Accidental Death cover and Permanent Total Disability cover for up to 10 times of the Sum Insured
• International Second Opinion: These add on cover provides you the option to consult doctors before going ahead with any course of treatment.
• Global Coverage: This add on cover provides cashless cover at network hospitals outside India

Care Health Insurance (Formerly known as Religare Health Insurance) Plan Inclusions

Inclusion of Care Health Insurance (Formerly known as Religare Health Insurance) Plans may differ from one plan to another. Some of the inclusions that are common under all the policies are given below:

• Inpatient hospitalization Cover- Care Health Insurance (Formerly known as Religare Health Insurance) plans cover in-patient hospitalization charges including room rent, boarding charges, ICU, OT, blood, doctor fees, and similar pay-outs
• Pre-hospitalization Cover- The cost of treatment before the hospital admission is also paid up to the specified limit and for a specific number of days
• Post-hospitalization Cover- The cost of treatment including medicines, diagnostic tests, etc. after getting discharged from the hospital is also paid up to the specified limit and for a specific number of days
• Domiciliary hospitalization Cover- If the doctor recommends home treatment then it is also paid by the insurer
• Health Check-up Facility- Care Health Insurance (Formerly known as Religare Health Insurance) plans also cover certain health check-ups as specified in the policy wordings
• Alternative Treatments- It refers to alternative medical treatments such as Ayush hospitalization, Homeopathy, Unani, Siddha, and Ayurveda
• Day Care Treatments- Care Health Insurance (Formerly known as Religare Health Insurance) plans cover treatments that do not require 24-hours of hospitalization
• Organ Donor Cover- The best part about Religare medical insurance plans is that it pays for organ donor costs as well
• No Claim Bonus- The insurer also pays No-claim-discount for not filing a claim during the policy term. The sum insured amount is increased by the percentage of NCB at the time of renewal
• Second opinion- The insured person can also get compensation for taking a second medical opinion on the ongoing treatment
• Recharge of SI- In case the sum insured is exhausted it is restored during the policy term

Care Health Insurance (Formerly known as Religare Health Insurance) Plan Exclusions

The exclusions under the Care Health Insurance (Formerly known as Religare Health Insurance) policies may vary from one plan to another. However, the following are the exclusions that are common to all the plans.

• Any diagnosis of diseases or any undergoing of surgery whose signs or symptoms first occur within 30 days of policy start date
• Expenses attributable to self-inflicted injury i.e. resulting from suicide or an attempted suicide
• Expenses attributable to alcohol or drug use/misuse/abuse
• Medical expenses incurred on the treatment of AIDS
• Treatment due to pregnancy and childbirth, miscarriage, abortion and its consequences
• Congenital diseases
• Tests and treatment relating to infertility and in-vitro fertilization
• Hospitalization due to war, riot, strike, nuclear weapons

Care Health Insurance (Formerly known as Religare Health Insurance) Claim Process

Care Health Medical Insurance Reimbursement Claim Process

You can file medical insurance reimbursement claims with Care Health Insurance (Formerly known as Religare Health Insurance) for treatment taken in a non-network hospital. The claim procedure is usually the same with most of the health insurance companies, but sometimes it may vary. Aforementioned is the claim process for Care Health Insurance (Formerly known as Religare Health Insurance) policy:

Inform Care Health Insurance (Formerly known as Religare Health Insurance)

Immediately intimate your insurer by sending a claim request. You need to inform within 24 hours in case of emergency hospitalization and for planned hospitalization you need to intimate within 48 hours. Email: This email address is being protected from spambots. You need JavaScript enabled to view it.. Helpline number: 1800-200-6677

• Share the Information: Provide hospitalization details and other medical details of the insured person including:
• Policy Holders’ Name
• Name of the Claimant
• Customer ID 
• Details of the hospital and treatment
• Date of admission
• Estimated claim amount
• Submit the Documents: Submit the Care Health Insurance (Formerly known as Religare Health Insurance) reimbursement claim form along with the following documents
• Photo ID proof
• Letter from the doctor advising hospitalization/diagnostic tests/consultation
• Hospital bills and discharge card
• Pathological reports and payment receipts
• Police FIR report and Post Mortem Report ( if applicable)
• Any other documents as required by the insurer
• Claim processing: The submitted documents will be verified by the Care Health Insurance (Formerly known as Religare Health Insurance) team. Your claim acceptance and rejected will be communicated to you by the TPA.
• Claim Settlement: Once your claim request is approved the insurer will settle the claim amount.

Care Health Cashless Health Insurance Claim Process

Cashless health insurance claims can be filed for treatments taken in a Care Health Insurance (Formerly known as Religare Health Insurance) registered network hospital. The insured can register a cashless claim with the TPA within 24 hours to 48 hours as per the hospital admission. The procedure to file a cashless claim with Care Health Insurance (Formerly known as Religare Health Insurance) is given below:

• Intimate the TPA or In-house Care Health Insurance (Formerly known as Religare Health Insurance) Claim Team: You can inform the insurer on their toll-free number 1800-102-4488 to register your claim request. If the hospitalization was planned then you need to inform within 24 hours. In case of planned hospitalization you can inform 48 hours prior to hospitalization
• Initiating Pre-Authorization Process: The insured or claimant needs to fill a pre-authorization form. Fill and submit the form to the TPA and they will share it with Care Health Insurance (Formerly known as Religare Health Insurance). 
• Document Submission and Verification: Submit the cashless claim form along with all the documents
• Approval of Cashless Claim: The form and documents will be verified by the insurer and based on that your claim will be accepted or rejected.
• Cashless Claim Settlement: Once your pre-authorization claim request is approved, the insurer will inform the insured and the hospital and the treatment cost will be compensated

Note: For any other assistance regarding an insurance policy or claim, contact Care Health Insurance (Formerly known as Religare Health Insurance) customer care. You can also check your Care Health Insurance (Formerly known as Religare Health Insurance) claim status anytime over a call.

How to Renew Care Health Insurance (Formerly known as Religare Health Insurance) Policy?

To ensure continuous medical insurance cover for yourself and your loved ones, it is imperative to timely renew your health insurance policy. You can conveniently renew a Care Health Insurance (Formerly known as Religare Health Insurance) policy online.

To initiate the Care Health Insurance (Formerly known as Religare Health Insurance) renewal process the steps are given below:

• Visit Policy Bazaar’s health insurance renewal page
• Just click on the Health Renewal button
• And enter your date of birth, policy number
• Once you are sure, you can pay premium online using your credit card, debit card or net banking
• And your policy is renewed
• It will be emailed to you on your registered e-mail id

Care Health Insurance (Formerly known as Religare Health Insurance)- FAQs

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