Care Health Insurance Limited (CHIL)

Care Health Insurance Limited (CHIL)

Care Health Insurance: Overview

Secure your health, travel, and essentials with Care Insurance. Plans start from Rs. 118 with coverage up to Rs. 3 lakh.You get a range of health insurance policies specially designed for individuals and families, including maternity insurance, senior citizens insurance, cancer insurance, and more.

Formerly known as Religare Health Insurance Company Limited, CHIL offers a wide range of products across categories such as health, travel, and essentials. The company had started as a subsidiary of Religare Enterprises and was renamed as Care Insurance in August 2020. It comes with a huge network of 19,000+ hospitals and a 95.2% claim settlement ratio. It also offers a quick and seamless claim management process. Care health insurance approves all cashless claims within two hours.

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Key features of Care Health Insurance

Here’s a quick look at the key features of Care Health Insurance.

Features

Descriptions

Premium starts at

Rs. 118

Network hospitals

19,000+

Claim settlement ratio

95.20%

Expenses coverage

Up to Rs. 3 Lakh

Why should I buy Care Health Insurance plans?

Care Health Insurance is a popular health insurance provider in India that offers a range of healthcare protection plans. Care Health Insurance is a trustworthy and reliable health insurance provider in India. Here are some reasons to buy Care Health Insurance plans.

  • Care Health Insurance offers a range of health insurance plans that cater to the varied healthcare needs of individuals and families.
  • The company provides faster claim approvals and offers 24x7 claim support, ensuring a hassle-free claims process.
  • Care Health Insurance provides a seamless and hassle-free claims settlement process to ensure timely medical support for policyholders.
  • With Care Health Insurance plans, policyholders can enjoy tax benefits, making it an affordable option for healthcare protection.

Step-by-step guide to buy Care Health plans

  • Step 1

    Step 1

    Choose the Care plan that you wish to buy by visiting our Health Insurance product list. Click on the ‘Buy Now’ button.

  • Step 2

    Step 2

    Enter your full name as on your PAN card and the mobile number that you used to buy your previous product from us and press the ‘Submit’ button.

  • Step 3

    Step 3

    Enter the One Time Password (OTP) received on your registered mobile number for verification.

  • Step 4

    Step 4

    If your mobile number matches our records, your details on the form will be pre-filled. All you need to do is to check if the details are correct.

  • Step 5

    Step 5

    At this point, the payment page will open. Complete the online payment via one of the following options:
    UPI, net banking, credit/debit cards and wallet.

  • Step 6

    Step 6

    After the payment is successful, you can download the policy receipt instantly.

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Documents required to buy Care Health Insurance policies

No documents are required to buy Care Health Insurance policies on Bajaj Finance Insurance Mall. Just enter the following information to apply.

  • Date of birth of the applicant
  • A valid 10-digit mobile number
  • Residential PIN code of the applicant

How to raise a cashless claim

Follow these steps to raise a cashless claim request with Care Health Insurance.

  • Step 1 - Contact the insurer

    Step 1 - Contact the insurer

    Reach out to the insurer:
    1. Toll-free: 1800 102 4488
    2. E-mail: customerfirst@careinsurance.com

  • Step 2 - Locate a network hospital near you

    Step 2 - Locate a network hospital near you

    You can get cashless treatment at 19,000+ Care Health network hospitals across India. Click here to locate a hospital near you.

  • Step 3 - Verify patient’s identity

    Step 3 - Verify patient’s identity

    Contact hospital insurance helpdesk or billing counter with a copy of patient’s medical ID card (issued by the insurer), pre-authorisation form along with valid Government ID proof.

  • Step 4 - Submit the pre-authorisation form

    Step 4 - Submit the pre-authorisation form

    Fill and submit the pre-authorisation form available at the hospital desk. You can also download the form online and fill it beforehand.

  • Step 5 - Claim settlement

    Step 5 - Claim settlement

    The hospital/TPA submits the post treatment discharge summary and other related documents to the insurer for final approval.

    The insurer will review and verify the documents and process the claim per the policy terms and conditions. The bills will be settled between the insurer and the hospital.

How to raise a reimbursement claim

To reimburse your hospital and medical expenses, follow these steps.

  • Step 1 - Contact the insurer

    Step 1 - Contact the insurer

    Reach out to the insurer:
    1. Toll-free: 1800 102 4488
    2. E-mail: customerfirst@careinsurance.com

  • Step 2 - Settle all hospital bills

    Step 2 - Settle all hospital bills

    Settle all medical bills and other costs involved in hospitalisation and treatment at the hospital.

  • Step 3 - Submit necessary documents

    Step 3 - Submit necessary documents

    Submit the required documents like the reimbursement claim form, hospital discharge summary, bills, and prescriptions online on the insurer’s website.

  • Step 4 - Claim settlement

    Step 4 - Claim settlement

    The insurer will review and verify the documents and process the claim as per the policy's terms and conditions.

Documents required for raising a claim request

Here is the list of documents you need to raise a claim request with Care Health Insurance.

  • Policy document received at the time of purchase
  • Invoices for all expenses being claimed
  • Medical certificates and reports received from the doctor
  • In case of loss of passport, a letter from the embassy confirming the loss.
  • In case of baggage loss, trip delay – letter/ confirmation from airlines

How to renew Care Health Insurance plans

You can renew your Care Health Insurance plan in just a few quick steps:

Step 1: Visit the Care Health Insurance website and log in to your account using your policy number and other required details.

Step 2: Select the 'Renew' option and select the policy you wish to renew from the available options.

Step 3: Verify the policy information and ensure that the details are correct. If there are any changes, make the necessary modifications.

Step 4: Select a payment method of your choice and complete the transaction to renew your Care Health Insurance policy.

How to calculate Care Health Insurance premium?

Calculating the premium for your Care Health Insurance policy is straight forward. The insurance company's website has a premium calculator that helps policyholders estimate the premium amount. You can calculate the health insurance premium based on factors like age, health condition, and other relevant details. To calculate your premium, enter the required information into the premium calculator, and the tool will provide an approximate premium amount.

Contact Care Health Insurance

For queries related to the policy, claim settlement, and other related information, you can contact the insurer in the following ways:

1. E-mail at: customerfirst@careinsurance.com
2. Toll-free number: 1800-102-4488

Frequently asked questions

What does pre-existing diseases in Health Insurance mean?

Pre-existing diseases are diseases that you already have while purchasing health insurance. A pre-existing ailment is identified within 48 months of policy’s effective date.

Can I claim Care Health Insurance immediately after buying it?

To claim the benefits of the policy under Care Health Insurance, the customer needs to wait for 30 to 90 days.

Do I get tax benefits with Care Health Insurance?

Yes, with a comprehensive health insurance policy by Care Health Insurance, you can enjoy maximum coverage and health insurance tax benefits.

Are there any customisations available with Care Health Insurance?

Yes, customisations are available with Care Health Insurance. You can buy a plan based on your requirement.

Do I have to pay an additional premium amount for add-on/optional covers?

Yes, you need to purchase an add-on cover separately and not as a part of the premium amount paid to the insurer.

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Disclaimer

*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, The New India Assurance Company Limited, Cholamandalam MS General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.