Care Health Insurance (Formerly Religare) Review 2026
Budget-conscious buyers who want the largest hospital network
Claim Settlement Ratio
77.46% (FY 2023-24)
Review claim settlement experience before buying
Key Features
Coverage Details
Plan Details
| Min Coverage | ₹3 Lakh |
| Max Coverage | ₹6 Crore |
| Coverage Unit | sum insured in Rs |
| Claim Settlement Ratio | 77.46% (FY 2023-24) |
| Premium Starts From | Rs 4,800/year (for 25-year-old, Rs 5 lakh cover) |
| Network Hospitals | 19,500+ |
| Initial Waiting Period | 30 days initial waiting period |
| Pre-existing Wait | 36 months |
| Entry Age | 5 to 65 years |
| Renewal | Lifetime renewability |
Plan Options
Rating Breakdown
Pros & Cons
✓Pros
- ✔Affordable premiums — among the cheapest in market
- ✔No room rent capping on higher plans
- ✔Coverage up to Rs 6 crore
- ✔Smart Select feature — customize your plan
- ✔Large network of 19,500+ hospitals
✗Cons
- ✘Pre-existing disease waiting period of 36 months
- ✘Claim process can be slow in some regions
- ✘Brand reputation lower than HDFC Ergo or Star
What Is Covered (Inclusions)
- ✔In-patient hospitalization
- ✔Pre-hospitalization (30 days) and post-hospitalization (60 days)
- ✔Day care procedures
- ✔Ambulance charges
- ✔AYUSH treatment
- ✔Organ donor expenses
What Is Not Covered (Exclusions)
- ✘Cosmetic surgery
- ✘Pre-existing diseases (36-month waiting)
- ✘Dental treatments
- ✘Self-inflicted injuries
- ✘Experimental treatments
How to File a Claim
Inform the Insurer
Contact Care Health Insurance helpline or use the mobile app to intimate the claim within 24 to 48 hours of hospitalization.
Cashless or Reimbursement
For cashless, show your health card at a network hospital. For reimbursement, pay the hospital and collect all original bills and reports.
Submit Documents
Submit the claim form along with discharge summary, hospital bills, diagnostic reports, pharmacy bills, and your health card copy.
Claim Processing
Care Health Insurance reviews the documents and processes the claim. Cashless claims are usually settled at discharge. Reimbursement claims take 15 to 30 days.
Settlement
Approved claims are settled directly with the hospital (cashless) or transferred to your bank account (reimbursement). Any queries are communicated via email or phone.
