Care Health Insurance Limited
Registered standalone Indian health insurer listed in IRDAI's public registered-entity records. Use the official website link for direct verification.
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Founded in June 2012 as Religare Health Insurance, promoted by Religare Enterprises with Union Bank of India and Corporation Bank. Renamed Care Health Insurance in AugustβSeptember 2020.
Operates a network of roughly 11,400+ hospitals per its own site. (as of company site)
CSR = % of claims actually paid out of total claims filed. Higher is better for policyholders.
Source: IRDAI Annual Report β| Year | CSR % | Solvency | ICR | Complaints |
|---|---|---|---|---|
| FY 2019-20 | 59.13% | 155% | β | β |
| FY 2020-21 | 55.15% | 245% | 55.15% | β |
| FY 2021-22 | 65.07% | 185% | 65.07% | β |
| FY 2022-23 | 53.82% | 182% | 53.82% | β |
| FY 2023-24 | 57.69% | 174% | 57.69% | β |
CSR over the years (IRDAI data)
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Care Health Insurance β Plans
9 plans Β· Key details from official policy documents.
| Plan Name | Type | Sum Insured | Min Age | Max Age | Renewal | Room Rent | Co-pay | PED Waiting | Initial WP | Maternity WP | Restoration | OPD | Key Features |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Care SupremeβΌCompare this plan β | Health Insurance | 5L/7L/10L/15L/20L/25L/50L/75L/1Cr/6Cr | β | β | β | β | No co-pay | 36 months | 30 days (coverage starts 31st day); unforeseen accidents covered from Day 0 (midnight) | N/A β maternity is a permanent exclusion in the base plan (childbirth incl. C-section, miscarriage, lawful termination β except ectopic pregnancy) | β Unlimited | β | π©Ίπ€±π¬ββ+3 |
Ultimate CareβΌCompare this plan β | Health Insurance | 5L/7L/10L/15L/20L/25L/50L/75L/1Cr/Unlimited (per official prospectus; Cumulative Bonus, Unlimited Automatic Recharge, Loyalty Boost, Infinity Bonus, Unlimited Care & Tenure Multiplier do NOT apply if Unlimited SI is chosen) | β | β | β | β | No co-pay | 36 months | 30 days (not applicable on accident cases) | N/A in base plan β maternity is a permanent exclusion (Code-Excl18), same as Care Supreme. UNLIKE Care Supreme, Ultimate Care offers a genuine optional 'Maternity Cover' add-on (ages 18-45, accumulates up to 3x coverage if claim-free, plus New Born Baby/Congenital Defects/Vaccination sub-covers) | β Unlimited | β | π©Ίπ€±π¬ββ+3 |
CareβΌCompare this plan β | Health Insurance | 3 tiers with genuinely different features per tier (not just marketing): 5L/7L/10L | 15L/20L/25L/30L/40L | 50L/60L/75L | β | β | β | β | No co-pay | 48 months | 30 days (except injury/accident) | N/A in Tier 1/2 (maternity not offered at all below 50L SI); Tier 3 (50/60/75L only): in-built maternity cover up to Rs.1,00,000, available on FLOATER cover type only | β Unlimited | β | π©Ίββπ±β |
Care FreedomβΌCompare this plan β | Health Insurance | 3L / 5L / 7L / 10L (same menu for both Plan 1 and Plan 2) | β | β | β | β | No co-pay | 24 months | 30 days for any illness | β | β | β | π©Ίπ¬ |
Care AdvantageβΌCompare this plan β | Health Insurance | 25L/50L/1Cr/2Cr/3Cr/6Cr | β | β | β | β | No co-pay | 36 months | 30 days (not applicable on accident/injury claims) | N/A β maternity is a permanent exclusion (Code-Excl18), same as Care Supreme (childbirth incl. C-section, miscarriage, lawful termination β except ectopic pregnancy). No maternity buy-back option found in this plan's documents (unlike Ultimate Care) | β Unlimited | β | π©Ίπ±β |
Care SeniorβΌCompare this plan β | Senior Citizen | 3L (Tier 1) / 5L, 7L, 10L (Tier 2) β genuinely different sub-limits/benefits by tier, not just a marketing split | β | β | β | β | No co-pay | 48 months | 30 days for any illness (except accidental injuries) | β | β Unlimited | β | π©Ίββ |
Joy TodayβΌCompare this plan β | Health Insurance | 3L / 5L | β | β | β | β | No co-pay | 36 months | 30 days (except accidents) - Code Excl03 | 9 months - for near-term pregnancy plans | β | β | ββ |
Joy TomorrowβΌCompare this plan β | Health Insurance | 3L / 5L | β | β | β | β | No co-pay | 36 months | 30 days (except accidents) - Code Excl03 | 24 months - for those planning further ahead | β | β | ββ |
Care Supreme Senior PremiumβΌCompare this plan β | Senior Citizen | 7L/10L/15L/25L/50L/1Cr | β | β | β | β | No co-pay | 36 months | 30 days (except for treatment of injuries) | β | β Unlimited | β | π¬π±β |
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How to reach or escalate
Customer Support
Vipul Tech Square, Tower C, 3rd Floor, Sector-43, Golf Course Road, Gurugram β 122009
Grievance Escalation
Senior Citizens & IRDAI
IRDAI Bima Bharosa Portal
For unresolved complaints β approach IRDAI directly. Free & confidential.
bimabharosa.irdai.gov.in β