✔️What are the reasons for the deduction in the claim amount of Care Health Insurance?

Care Health Insurance claim amount deductions can occur for a variety of reasons, including Absence of supporting documentation for the expenses reported. Amounts exceeding the sub-limits Co-payment Bills not related to medical Treatment or diseases not included in the agreement

Care Health Insurance

Coverage for Modern Treatments | Annual Health Check-up | Tax Rebate

No Room Rent Capping | No Medical Check-up up to 55yrs | Tax Benefit up to ₹75,000 | Buy Health Insurance starting @ ₹160 pm Check Plans

In wake of the advancements seen in the healthcare sector, medical facilities are transforming care. Be it a health emergency or a planned medical procedure, most hospitals are equipped with the best facilities for you as the run for quality healthcare is common. But quality comes with a price. This is why Care Health Insurance Limited (formerly known as Religare Health Insurance) has designed health insurance plans that are budget-friendly and at the same time, adequate enough to help you manage the blow of a medical emergency.

Care Health Insurance Plans

Health insurance is a basic requirement for you and your family members. You must choose the best health insurance policy based on the medical needs, health conditions, and age of each member of the family. Take a look at the various Care Health Insurance plans:

Care Health Insurance Plan	Eligibility	Sum insured	Features	Check Plans
Care	Individuals over 91 days onwards	₹4,00,000	You and your family up to 6 members are covered in one plan Higher sum insured AYUSH Treatment Modern-age treatment	CHECK PLANS
Corona Kavach Policy	1 day-65 years	₹50,000-₹5,00,000	Hospitalisation and home care treatment cover if covid positive AYUSH treatment Cashless treatment Minimal waiting period	CHECK PLANS
Care Freedom	90 days onwards	₹3,00,000	In-patient and day care treatment Pre and post hospitalisation Ambulance coverage Tax benefit	CHECK PLANS
Critical Illness Insurance	5 years-50 years	₹10,00,000	Cover you against medical treatment of 32 critical illnesses Lower premium but comprehensive cover Cancer cover at all the stages	CHECK PLANS
Care Senior	61 years onwards	₹3,00,000	No pre-medical tests Preventive health checkup annually Tax saving up to ₹75,000 under section 80D	CHECK PLANS
Joy	1 day- 65 years	₹3,00,000	Maternity cover Newborn baby cover Ambulance cover In-patient and day care treatment Pre and post hospitalisation	CHECK PLANS
Care Heart	18 years onwards	₹3,00,000	Cardiac health checkups Ambulance cover Pre and post hospitalisation expenses	CHECK PLANS
Super top up	A child of 1 day and adult of 18 years	₹1,00,000	High sum insured up to ₹30,00,000 ICU cover Organ donor coverage In patient and day care Hospitalisation expenses both pre and post	CHECK PLANS
Arogya Sanjeevani Policy	3 months-65 years	₹1,00,000-₹5,00,000	Expenses related to hospitalisation AYUSH treatment Cataract cure Co-pay of 5%	CHECK PLANS

Why Care Health Insurance?

With their philosophy based on customer-centricity, Care Health Insurance Limited not just offers one of the most ideal Care Insurance online (formally known as Religare Health Insurance plans) but has been consistently giving centre stage to customer service and value for money. This is further witnessed in their product innovation and consistent investment in effective application technology for delivering excellent customer service.

How to Buy Care Health Insurance Online at Bajaj Markets

Buying Care Health Insurance on Bajaj Markets is very easy. Just follow a few quick steps, enhance your plan by selecting your suitable cover from the list of add-on covers, quick payment and you're done! It's that simple!

1. Buy online

Click on the Buy Now button mentioned on the top of the page

2. Fill in details

Click on ‘Get Quote’ and provide the necessary details and proceed to pay

3. Make an online payment

Make your health insurance premium payment for the selected plan

4. And, you're done!

Your policy will be issued to you within no time

Key Features of Care Health Insurance

Range of Sum Insured Options

The plan offers a wide range of sum insured options that goes up to Rs. 75 Lakhs, so you can pick your suitable plan as per your distinct needs

Cash Allowance

The Care Health Insurance plan offers a daily cash allowance of Rs. 500 per day for up to 5 days of hospitalisation so you can manage the initial panic smoothly for select Sum Insured options.

Automatic Recharge of Sum Insured

If multiple claims in a policy year exhausts your coverage, the sum insured of your Care Health Insurance plan is recharged automatically once in a year.

No Upper Limit on Entry Age

With no upper limit entry age, the Care Health Insurance plan covers one and all, leaving no family member without adequate medical cover.

In-built Maternity Cover

Care Health Insurance plan includes a Rs. 1 Lakh Maternity cover against sum insured options of Rs. 50,60, 75 Lakhs to ensure that the mother gets the best healthcare

Benefits of Care Health Insurance

Pre and post hospitalisation

Pre and post-hospitalization coverage are particularly appealing features of the Care Health Insurance. This cover ensures that the insured individual will receive effective coverage and not just the basic hospitalisation cover. It includes diagnoses, OPD, a doctor’s consultation fee, ambulance charges, medicine costs, etc.

Impressive Claim Settlement Ratio

With a claim settlement ratio of over 95%, the insurer is committed to meet your requirements by settling your claims without any hassle when you opt for the Care Health Insurance plan.

Huge Network of Cashless Healthcare Providers

With an extensive network of 16500+ cashless healthcare providers PAN India, you can keep your hospitalisation worries at bay!

Tax Savings

Care Health Insurance Plan comes with tax benefits under Section 80D, so you can save on your hard-earned money

Preventive health checkups annually

Care health insurance promotes yearly preventive health checkups for people of all ages. It includes lab tests, physical checkups, diagnostic methods, and so forth. You can go to a network hospital and have your health checkup done for free.

Alternative treatments cover

Alternative treatments have been used in India to cure diseases for a very long time. People are keeping an eye on AYUSH treatment more than mainstream treatment procedures. Alternative treatments such as Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy are covered by Care Health Insurance plans.

Policy renewal

Care Health Insurance provides plan renewals for life. As a result, you can use the plan's benefits without interruption for the rest of your life.

Round-the-clock customer support

Care Health Insurance has a fantastic team of customer service representatives who provide exceptional services 24 hours a day, seven days a week. You can take your queries and concerns to them, and they will come up with the best resolution in your best interest in no time.

What's Covered & Not Covered in Care Health Insurance

Make sure that when you opt for a health insurance policy, you are well aware of the inclusions as well as the exclusions. Take a look at what is covered and what is not covered in the Care Health Insurance Plan:

Inclusions in the Care Health Insurance	Exclusions in the Care Health Insurance
Hospitalisation Expenses Be it a planned hospitalisation or an emergency visit to the hospital, with Care Health Insurance, you need not worry about the hospital bill! Pre & Post Hospitalisation Costs At Care Health Insurance, it is believed that complete care is crucial for the recovery of the patient, even before and after the hospitalisation. Here’s why, the plan takes care of the diagnosis expense, cost of medication and other such pre and post-hospitalisation costs. Organ Donor Expenses Organ transplant is a vital procedure for the recovery of insured persons in certain conditions. This is why Care Health Insurance takes care of the Organ Harvesting operation cost of the donor Annual Health Check-up With diagnosis getting expensive, periodic medical check-ups can be overwhelming. With the annual health check-up available with Care Insurance plans, you can rest assured. Emergency Ambulance Cover Care Health Insurance takes care of your planned visit to the hospital by covering the road ambulance charges.	Initial Wait Period Any disease or illness diagnosed/ occurrence of event / undergoing surgery, whose signs or symptoms first occur within 1 month from the initiation of the policy period. When under the consumption of intoxicants Injuries/treatment attribution to consumption of alcohol or drug use/ drug abuse or misuse. Treatment consequential to pregnancy or childbirth Treatment arising from pregnancy & childbirth, abortion, miscarriage, and its consequences. Cost of treating self-inflicted injuries Expenses to treat self-inflicted injuries resulting from suicide or attempted suicide are not covered under this plan. Injuries during war-like scenarios Hospitalisation attributional to war, strike, riot, nuclear weapons External congenital disease Any medical condition that is present at or before birth Infertility-related treatments Treatment or medical tests relating to in vitro fertilisation and infertility

Premium Calculation of Care Health Insurance

Before you actually buy or renew your health insurance policy, it is essential that you compare the premiums for the plans offered by various providers; the sum insured, co-payment, and so forth.

When calculating the premium of Care Health Insurance plan, you can use the Health Insurance premium calculator or the free premium calculator available on Bajaj Markets website. It is an easy-to-use tool that helps you simplify the calculation of the policies and refine your decision to choose the best plan. You don’t have to go to various insurers and ask for quotes. The calculator is simply amazing.

Simply access the calculator
Enter your phone number
Select a plan displayed in the dropdown
Click on "calculate premium"
Fill in your personal information, such as your name, pin code, and email address
Click on "next"
Select the number of people in your family for whom you are purchasing insurance and their ages
Select an appropriate sum insured
Pick the tenure of the policy you wish
Now you are ready with the premium amount; after this, you can think of adding riders, increasing the sum insured, etc.

Tax Benefits for Care Health Insurance

The premiums that you pay against the health insurance policy for you and your family are exempt from tax under Section 80D of the Income Tax Act. Please refer to the below table to clearly understand the exemptions you can enjoy with Care Health Insurance:

Condition	You, your spouse and children	Senior Citizen	Total Tax exemption
You and your family both are below 60 years	₹25,000	₹25,000	₹50,000
You, your spouse and children are below 60 years however, your parents are above 60	₹25,000	₹50,000	₹75,000
Policyholder and his/her parents are above the age of 60 years	₹50,000	₹50,000	₹1,00,000

You also get additional tax relief on your preventive health checkups under Section 80D:

If you and your parents are both below 60 years old, the limit is ₹5,000
It is ₹7,000 if both of you are over the age of 60 years.

Enhance Your Protection Against Medical Emergencies with Optional Covers by Care Health Insurance

Air Ambulance Cover: For any recommended treatment not in your city, this add-on with Care Health Insurance lets you get the right cure despite being away that too without worrying about the cost.

Co-Payment Waiver: This add-on helps remove the co-payment hassle of 20% for the eldest insured member with age 61 years and above.

Daily Allowance: Hospitalisation involves various unexpected ‘non-medical’ expenses like transportation or lodging and boarding of attendants. To help you meet these expenses without trouble, this extended Daily Allowance add-on with the Care Health Insurance plan offers a daily cover for hospitalisation up to 30 days. What’s more, the amount doubles in case you are hospitalised in an ICU.

Everyday Care: This rider takes care of those routine hospital visits, where it provides 1% of your Sum Insured for diagnostic tests and doctor consultations each. Just pay a nominal Co-payment & additional premium. You can avail of this benefit through a cashless health card when claiming your Care Health Insurance plan.

Global Coverage: The worldwide coverage benefit ensures that you need not worry about boundaries when it comes to quality healthcare. This facility is available with selected Sum Insured options. So, the cover lets you enjoy a cashless treatment at a network hospital while you are getting treated at an overseas facility.

International Second Opinion : Before you head on to the recommended treatment, it is best to get yourself reassurance. With the Care Health Insurance International Second Opinion add-on, the plan lets you do just this, take a second opinion from an international Panel of doctors through us.

No Claim Bonus Super: With No Claim Bonus Super that you opt with Care Health Insurance, you can increase your sum insured by 50% for every claim free year up to a maximum of 100%.

Reduction in PED Wait Period: This cover reduces the applicable waiting period of 48 months for Pre-existing Disease Claims to 24 months.

OPD Care: With this optional cover, you stay covered for OPD expenses incurred on Doctor Consultation, Prescribed Diagnostics and Prescribed Pharmacy with an amount ranging from Rs. 5000 to Rs. 50000.

Unlimited Automatic Recharge: This plan provides an option to recharge or reinstate your sum insured an unlimited number of times after exhaustion so that you never run out of coverage.

How to File Care Health Insurance Claims?

Care Health Insurance is designed to help you manage medical emergencies without having to face any hassle. Further to the insurers this aim, the Care Insurance claim settlement process is quick and simple and does not take much time. The insurer is committed to providing stress-free settlement! Filing claims is easier with Care Health Insurance.

You can file the claim in two methods,

Cashless claim

When you take the treatment from the network hospital, you do not need to worry about the bills, as Care Health Insurance will clear them on your behalf directly based on the agreement. You do not need to pay from your pocket.

You need to inform the internal Care Health Insurance department or the third-party administration’s (TPA) claim department within 24-48 hours of hospitalisation. If you are getting a treatment that was scheduled beforehand, you must inform them within 24 hours of the hospitalisation.

Once you have informed them, you need to request for the Care Health Insurance pre-authorisation form
Fill up the pre-authorisation form carefully (you can get this from the hospital, or TPA
Share the form with your insurance provider
Submit the cashless claim form and attach the relevant documents
Your insurer will then verify your claim and approve or reject it
Once it is approved, the insurance company will pay your hospitalisation and treatment expenses

On approval your claim is settled.

In case a query is raised, the insured or hospital is to respond to the same.

Upon rejection, you may initiate the treatment and file for a reimbursement claim.

Reimbursement claim

A reimbursement claim is a lengthy process. Care Health Insurance allows you to reimburse your bills after treatment if you did not seek medical assistance from a network hospital or could not reach the network hospital due to unforeseen circumstances, you can still claim it through the reimbursement process. You may follow the below steps to easily file claims:

Fill up the Care Health Insurance claim form and attach the relevant bills, documents, etc.
Keep track of hospitalisation details for the insured person
Fill up the hospital details.
Calculate the claim amount and file
Send it to the insurance provider
After verifying it, the claim management team shares an approval letter
Once the approval letter is received, your claim is settled

On approval your claim is settled.

In case a query is raised, the insured or hospital is to respond to the same.

Upon rejection, you may initiate the treatment and file for a reimbursement claim.

What is the Care Health Insurance Claim Settlement Ratio?

A claim settlement ratio for an insurance company denotes its financial position. It is the ratio that shows the total number of claims resolved by the insurer in a particular year against the total number of claims received.

A high claim settlement ratio helps customers choose the best insurance provider. If a company has a high claim settlement ratio, that means it will settle your claims fast and easily.

Here are the advantages of a high claim settlement ratio:

It displays the liability of the insurance provider
You can easily rely on the company
A better way of comparing while choosing a suitable insurer

Care Health Insurance has an impressive claim settlement ratio of 95.2% in the year 2019–2020.

Documents Required for Filing Care Health Insurance Claim

At the time of making a claim, the following documents should be kept handy:

Original health insurance policy
Duly filled claim form
Govt Issued photo id
Treatment-related documents and receipts.

Some other documents may be asked for.

Care Network Hospitals

Care Health Insurance, with its prompt and easy service, is committed to meeting your needs consistently. Their online, self-help portal lets you get a resolution to your issues in a jiffy. The company also has a huge collaboration with over 7800 healthcare centres all across the country. You can rest assured that in case of a medical emergency, you would never be far away from good quality treatment.

Health Insurance Plans Available at Bajaj Markets

Bajaj Allianz Health Insurance

Aditya Birla Health Insurance

Care Health Insurance

Health Insurance Top Pages

Government Health Insurance Schemes

Health Insurance Articles

While healthcare in our country is accessible to most of us, the same is getting expensive. Taking care of our families and their health while managing this big blow becomes challenging at times. Hence, getting a health insurance plan is an informed decision. Care Health Insurance takes care of emergency medical expenses, planned treatments, day care hospitalisation and more.

Yes, health insurance premiums increase with age. The younger you are, the lower the premium you pay.

Buying the Care Health Insurance online is very convenient and hassle-free. Just head onto Bajaj Markets, fill up a quick online application, pay your premium payment online, and your policy will be issued within no time.

Yes, Care Health Insurance offers lifetime renewal of the plan.

Bajaj Markets is committed to be at your service in case of any such scenarios. You can contact us through any of the following ways:
- Call us on 020-66399444
- Write to: insuranceconnect@bajajfinservmarkets.in

If you wish to seek help directly from the insurer, Care Health Insurance Limited would address all your queries online, instantly. Here’s how you can connect:
Contact them at 1800-102-6655, 1800-102-4488 (toll-free)
Write to them at: customerfirst@careinsurance.com

A co-pay is the share of money that needs to be paid by you and that your insurance company will not cover. It can be a predetermined percentage of your sum insured or a fixed amount.

When you do not make any claims for the entire year, your insurance company rewards you by increasing 10% of your sum insured, and you do not need to pay any extra premium for the same. If you file a claim after a number of claim-free years, your no-claim bonus will be reduced by 10%.

Care Health Insurance claim amount deductions can occur for a variety of reasons, including

Absence of supporting documentation for the expenses reported.
Amounts exceeding the sub-limits
Co-payment
Bills not related to medical
Treatment or diseases not included in the agreement

To apply for reimbursement claims, you need to keep the bills, reports, and documents carefully. At first, you will have to pay the money for the treatment, later, you can file a reimbursement claim. Fill up the form, and attach the relevant documents.

There is a free-look period of 15 days that allows you to sit and read the terms and conditions of the policy. If you are not sure about it and want to cancel it, you can do it in that period and you will get your money back, terms, and conditions apply.

Health Insurance Reviews

Quick Application Process

Applying for Care Insurance online on Bajaj Markets was a very easy process. I could buy health insurance seamlessly and get insured at my convenience.

Meera

Reliable Plan

Plans on Bajaj Markets are super reliable. My claim settlement was done so easily, and I did not have to worry about the medical emergency I faced. Keep it up!

Aditi Raman

User-friendly platform

The health insurance calculator on Bajaj Markets helped me calculate my premium within easily. The platform is very user-friendly.

Nitin Wagh