Note: As of September 1, 2020, Religare Health Insurance is now Care Health Insurance.
Care Health Insurance, formerly called Religare Insurance, is a great option for consumers looking for an insurance company that is versatile and offers insurance plans that are widely applicable to people of all ages. These plans are also inclusive of different health conditions. This makes Care a great insurer to consider when applying for individual or family health insurance.
What Makes Care Health Insurance Stand Out?
Care Health Insurance stands out as a prominent health insurer. It has a legacy and is associated with health units like Fortis Healthcare, Religare Wellness, and SRL Diagnostics. This adds credibility to the already successful track record that Care Insurance has. Care's health insurance plans cover a wide array of patient types and even adhere to specified diseases, such as heart disease. Additionally, Care offers insurance plans that can be used internationally and has a wide network within India for regular health insurance as well.
Care products are also great for large families as they have insurance products that cover a multitude of conditions. For example, for those looking for their immediate family and children can look to the comprehensive plan; however, if you also have a parent with heart conditions or suffering from old age, there are plans for them as well. Care also offers services outside of India, this will be useful for frequent travellers too.
Care Health Insurance Premium Averages
Like all health insurers, Care charges various premiums depending on the insured individual's age and the policy's sum insured. The sum insured amount is the amount that the insurance company is obligated to cover for the patient per policy period. In the toggles below, we show the monthly premium depending on the primary insured indvidual's age and the sum insured amount. We also break out each plan's price based on their designation as family and individual plans.
Individual Health Insurance Plans
Individual health insurance plans are great for single consumers looking for health insurance coverage. The number of plans offered by Care increase as the ages of the applicant increases. There are 3 total plans offered to consumers for individual health insurance policies. The first is the Care Freedom Plan. This plan is a comprehensive insurance plan with a lower waiting period for pre-existing conditions. Instead of the normal 4 year wait, patients will only have to wait 2 years to be treated. The second health insurance plan is the Care Heart Plan. This plan is directed at individuals who have heart disease and offers an annual complimentary check-up for anything heart related. The third plan offered is the Senior Care Plan. This plan is only offered to individuals over the age of 60. This plan is also relatively cheaper for seniors that are looking at other Care health plans or many competitor plans.
|Plan Name||Sum Insured Range||Premium Range|
|Care Freedom - Plan 1||Rs. 500,000 - Rs. 300,000||Rs. 23,939 - Rs. 19,827|
|Care Freedom - Plan 2||Rs. 1,000,000 - Rs. 700,000||Rs. 36,846 - Rs. 31,102|
|Care Heart||Rs. 700,000 - Rs. 300,000||Rs. 40,621 - Rs. 23,081|
|Care Senior||Rs. 1,000,000 - Rs. 300,000||Rs. 25,829 - Rs. 14,448|
Family Health Insurance Plans
Family health insurance plans are great to provide health coverage to both immediate and extended family. While looking for family plans, it is important to purchase based on the sum insured amount for your plan. If you have a larger family with more pre-existing health conditions, you would opt for a plan that offers high sum insured. However, if you have a smaller and younger family it would be better to apply for lower sum insured. The most comprehensive plan offered is the Care Health Plan.
The family plans offered are the Care Health Plan, Care Freedom Plan, Care Freedom Plan 1 and 2, Care Heart Plan, and Care Senior Plan. The Care Health Plan is the most comprehensive health insurance plan offered by Care and offers an extremely high sum insured option of Rs. 6,00,00,000. A solid option for large families. Another insurance plan that is offered is the Care Freedom Plan. This plan is a comprehensive insurance plan as well that allows individuals to have their pre-existing conditions treated within 2 years rather than the regular 4 years. The following plan is the Care Heart Plan. This plan is directed to patients that have heart conditions and offers a free annual heart related check-ups. Finally, Care also offers a Care Senior plan, which charges a lower premium than most competitors in the market as it is specialized for individuals over the age of 60 years old. See the toggle below for more details on the Care plans.
|Plan Name||Sum Insured Range||Premium Range|
|Care Health Plan||Rs. 60,000,000 - Rs. 4,000,000||Rs. 623,543 - Rs. 102,901|
|Care Freedom - Plan 1||Rs. 500,000 - Rs. 300,000||Rs. 41,851 - Rs. 36,866|
|Care Freedom - Plan 2||Rs. 1,000,000 - Rs. 700,000||Rs. 29,003 - Rs. 22,820|
|Care Heart||Rs. 1,000,000 - Rs. 300,000||Rs. 48,127 - Rs. 24,605|
|Plan Name||Sum Insured Range||Premium Range|
|Care Health Plan||Rs. 750,000 - Rs. 4,000,000||Rs. 375,733 - Rs. 138,280|
|Care Freedom - Plan 1||Rs. 500,000 - Rs. 300,000||Rs. 67,922 - Rs. 57,828|
|Care Freedom - Plan 2||Rs. 1,000,000 - Rs. 700,000||Rs. 43,813 - Rs. 35,091|
|Care Heart||Rs. 1,000,000 - Rs. 300,000||Rs. 77,502 - Rs. 38,170|
|Care Senior||Rs. 1,000,000 - Rs. 300,000||Rs. 49,518 - Rs. 29,985|
Care Health Insurance Review: Benefits
Care Health Insurance offers their customers a number of health insurance plans that cover different health needs. By selecting the correct healthcare policy, consumers can ensure that they are prioritizing coverage based on their healthcare requirements.
Care Health Plan
The Care Health Plan is a family health insurance policy that provides comprehensive healthcare benefits. These include: health check-ups, in-patient hospitalisation, pre and post hospitalisation, AYUSH coverage, ambulance coverage, and maternity benefits.
The comprehensive plan has a sum insured range that starts at Rs. 3,00,000 to Rs. 6,00,00,000. This means that the plan has a very large range for consumers to choose from. The 60 Lakhs of coverage offers an option to consumers looking for huge amounts of coverage.
Care Freedom - Plan 1 & Plan 2
The Care Freedom Plan is a comprehensive health insurance plan, which is offered to all age groups. The plan also has a shorter waiting period of only 2 years, where most other plans have a waiting period of 4 years, for pre-existing diseases. This allows consumers to receive treatment in half the time. Plan 1 offers a sum insured range of Rs. 5,00,000 and Rs. 3,00,000. Plan 2 offers a higher sum insured range Rs. 7,00,000 and Rs. 10,00,000. Due to this, plan 1 offers less benefits.
Care Heart Health Insurance Plan
The Care Heart Plan has a benefit that allows patients to have annual heart related health check-ups free of cost. The plan is very inclusive, but is targeted to those suffering from heart conditions. This policy is also renewable for life, making it perfect for senior citizens suffering from heart conditions. The Care Heart plan has a sum insured range that starts at Rs. 3,00,000 to Rs. 1,0,00,000.
Care Senior Plan
The Care Senior Plan is a solid plan for senior citizens. Most healthcare plans offered to seniors are attached with relatively high premiums and have strict check-up times or high waiting periods for pre-existing conditions. This is due to the risk that elderly people have an increased chance of getting sick. The Care Senior Plan by Care; however, does not follow this pattern. The plan has comparatively low premiums low premiums and is offered only to senior citizens, which helps many consumers and patients that do not have any source of income or are not looking to pay a high premium for their health insurance. This policy is also renewable for life. Life renewability is not common and not having a maximum age limit is valuable for senior citizens. This senior plan is attractive for all those that are eligible to apply.
The plan has a sum insured range that starts at Rs. 3,00,000 to Rs. 1,0,00,000.
Care Health Insurance Plan Exclusions Plan
There are a few downsides to some of these plans. For example, when you look at the Care Health Plan - If you have a lower SI than 5 lakhs, you will be missing out on many of the extra benefits that make this plan worth purchasing. In this instance, you will not be eligible for ambulance coverage over Rs. 1,500 or second opinion coverage.
There are exclusions that differ from plan to plan, like the example above. Exclusions that apply to all plans are the following:
- Any diagnosis of diseases or surgery with signs and symptoms first occurring prior to 30 days of policy starting period.
- Treatment due to pregnancy: childbirth, miscarriage, and its consequences
- Expenses attributed to self-inflicted injury, such as suicide or attempted suicide
- Expenses attributed to alcohol and drug misuse/abuse
- Incurred expenses for AIDS treatment
- Congenital diseases
- Tests and treatment relating to infertility and in in-vitro fertilization
- Hospitalisation due to war, riot, strike, or nuclear weapons.
How to Apply for Care Health Insurance
To apply for Care Health Insurance, use the following button to get to the webpage and select your preferred plan.Once you are on the page, you will have to fill out your information for the premium quotes. After this you will apply for the health insurance plan that you have selected through Care's platform.
Do You Meet the Eligibility Requirements?
|Plan Name||Eligibility Requirements|
|Care Health Plan|
|Care Freedom - Plan 1 & 2|