Top FAQs About Care Health Insurance Answered by Experts

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posted on 5 hours ago — updated on 1 second ago

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Get expert answers to the most common questions about Care Health Insurance plans, benefits, claims, and more. Make a smart, informed decision today.

1. What Is Care Health Insurance?

Care Health Insurance (formerly Religare Health Insurance) is a standalone health insurance provider offering a variety of plans for individuals, families, senior citizens, and people with pre-existing conditions. It is known for its:

Extensive network of cashless hospitals
High claim settlement ratio
Wellness benefits and digital support

2. What Are the Most Popular Care Health Insurance Plans?

Here are some of the top-performing plans offered by Care:

Care Supreme

Offers high sum insured, unlimited e-consultations, and annual health checkups.

Care Freedom

Ideal for people with pre-existing diseases like diabetes and hypertension.

Care Advantage

Affordable plan with wide coverage and bonus features.

Care Senior

Specifically designed for senior citizens above 60 years.

Each plan is tailored to meet specific healthcare needs, so choosing the right one depends on your age, medical history, and budget.

3. What Are the Key Benefits of Care Health Insurance?

Some standout benefits include:

No Claim Bonus (up to 150% in some plans)
Cashless treatment at over 21,000 hospitals across India
Annual health checkups
Pre and post-hospitalization coverage
Daycare treatment for 540+ procedures
Coverage for chronic illnesses and optional OPD cover

These features make Care Health Insurance plans competitive and future-ready.

4. Is There a Plan for Senior Citizens?

Yes. The Care Senior and Care Freedom plans are designed especially for senior citizens or individuals with medical conditions. These plans typically offer:

No pre-policy medical tests (in many cases)
Coverage for diabetes, hypertension, and cardiac issues
Domiciliary hospitalization and ambulance coverage

Perfect for retirees and elderly parents seeking dependable health security.

5. What Makes Care Freedom Plan Unique?

The Care Freedom Plan stands out because it:

Does not require medical tests before purchase
Covers lifestyle-related diseases like diabetes
Has shorter waiting periods than regular policies

It’s a great option for people who were previously denied health insurance due to pre-existing conditions.

6. How Does the Claim Process Work?

Care Health Insurance has a quick and user-friendly claim process:

Cashless Claim: Visit any network hospital and show your e-card. Care will directly settle the bill.
Reimbursement Claim: After treatment, submit bills and forms. Reimbursement is processed after verification.

They also provide 24x7 claim support and a mobile app for policy tracking.

7. Are There Tax Benefits?

Yes. You can avail tax deductions under Section 80D of the Income Tax Act:

₹25,000 for self, spouse, and dependent children
An extra ₹50,000 for insurance of senior citizen parents

This way, you not only protect your health but also enjoy tax savings.

8. How to Buy the Right Plan?

To select the best plan:

Consider age and health of members
Check for existing medical issues
Choose a suitable sum insured
Review features like OPD cover, room rent waiver, etc.

💡Recommended Plans:

Care Supreme for individuals
Care Advantage for families
Care Freedom for those with health conditions or senior citizens

✅ Conclusion

Care Health Insurance offers affordable, flexible, and inclusive plans for every age group and health condition. Whether you're a young adult, a family person, or a senior citizen, there’s a plan designed for you.

If you're looking for peace of mind, tax benefits, and comprehensive health coverage, Care Health Insurance is a reliable and smart choice.