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Religare Health Insurance

Religare Health Insurance

There is so much choice in Insurance. Getting the best deal is far more easier now, thanks to comparison options available online.

About Care Health Insurance Company

Care Health Insurance (CHI), the health insurance arm of Care Health Insurance Limited (CHIL)(formerly known as Religare Health Insurance Company Limited), is a specialized Health Insurer offering health insurance services to employees of corporates, individual customers and for financial inclusion as well. With CHI's operating philosophy being based on the principal tenet of 'consumer-centricity', the company has consistently invested in the effective application of technology to deliver excellence in customer servicing, product innovation, and value-for-money services.

Care Health Insurance currently offers products in the retail segment for Health Insurance, Critical Illness, Personal Accident, Top-up Coverage, International Travel Insurance and Maternity along with Group Health Insurance and Group Personal Accident Insurance for corporates.

The organization has been adjudged the 'Best Health Insurance Company' at the ABP News-BFSI Awards & 'Best Claims Service Leader of the Year – Insurance India Summit & Awards. Care Health Insurance has also received the 'Editor's Choice Award for Best Product Innovation' at Finnoviti and was conferred the 'Best Medical Insurance Product Award' at The FICCI Healthcare Awards.

Company Performance

Given the rise in medical expenses over time, the bloom of religare health insurance industry is no mystery. For the year 2014-15, the Incurred Claim Ratio was 61.13% with total claims incurred worth INR 9397 Lakh against a total premium received of INR 15372 Lakhs. The previous year’s Incurred Claims Ratio was 79.92%.

The value of Incurred Claims Ratio is relevant in determining the premium calculations by the underwriters. Generally a lower ICR signifies lower premium rates, which mean a higher number of customers, would opt the products when compared to the other options in the market.

In a country where the biggest guns are usually public sector enterprises, it is fairly appreciable for a privately owned company to create a dedicated customer base. Over a short span of 4 years, it has grown to fifty-four offices based out of over three hundred locations.

Key Advantages And Features

The key strengths are its sound business strategy and the backing of relevant entities from each applicable aspect of healthcare services. Considering the numerous players in the market, every company must have a competitive edge in order to thrive. The salient features of Religare are:

  • Backing of Healthcare Giants- The options provided by the company are the best in business due to the fact that it is associated with names like Fortis, Religare Healthcare, SRL, etc.
  • Hospital Network: Its gigantic network of hospitals and professionals provides ample options with respect to hospital or home treatments.
  • Comprehensible customer service: The Company offers a wide range of products and services. This means there is something for everyone. They cater to customers directly without involving additional intermediary parties.
  • Customer oriented products: The products are aimed at customer convenience. The checkup options are easily available and the treatment facilities can be availed across the globe.

Types Of Products

The chief categories in which the company provides products are:

  • Travel Insurance- Extensive insurance options for journeys. These products aim at removing the stress associated with resolving the effects of a crisis happening during journeys. They are easy and comprehensive. In this category, the two prominent subcategories are general travel and student travel insurance. Easy processing and hassle free claim settlement add to the appeal of these offerings.
  • Health Insurance- There are multiple products in this category, each tailored to suit a specific category of healthcare needs. There are products ranging from complete health insurance packages to maternity plans. They offer features like cashless hospitalization, policies without pre-policy checkups, easy reimbursement, periodic health checks, etc.
  • Fixed Benefit Insurance- The fixed benefit insurance options are to secure the future in case of unforeseen events. They offer accident insurance and critical illness covers.

Product Plan Details

The products are easy to select and avail through offices and online. Across the above-mentioned categories, there is a varied list of products offered by the company. Here are the prominent products in each of these categories.

Plan Salient Features


  • Insurance for international travels.
  • Region specific products.
  • High coverage and lower restrictions as to ailments and age.
  • Up gradation to business class.
  • Cashless settlements.
  • Preexisting disease cover.

Student Explore

  • International Travel Insurance and Health Insurance for Students.
  • Plans designed exclusively for international students.
  • Sponsor protection feature.
  • College specific customizations available to existing plans.
  • Short and long term plans.
  • Cashless claim settlements

Health Insurance

Plan Salient Features


  • A comprehensive and multifaceted health insurance product.
  • Sums up to INR 60 lakhs covered with a lifetime renewability guarantee.
  • Free of cost recharging of the insured sum in case the claim amount is greater than the coverage amount.
  • Up to 150% no claims bonus.
  • Pre-policy medical check up not required for up to INR 25 lakhs and up to 45 years.
  • Direct cashless claim settlement at over 4900 hospitals.
  • Annual health checkups.

Care freedom

  • Medical insurance without the mandatory pre-policy medical check up.
  • Waiting tenure of two years in case of pre-existing diseases.
  • Free of cost recharge of insured sum in case of claim amount being greater than the covered amount.
  • Annual Health Checkups.
  • Direct cashless claim settlement at over 4900 hospitals.


  • Health insurance option for high sum coverage along with high deductibles.
  • Flexible deductible options with sums up to INR 60 lakhs insured.
  • Selected medical treatment options available across the world.
  • Direct cashless claim settlement at over 4900 hospitals.
  • Pre-policy medical check up not required for up to INR 15 lakhs of coverage and up to 45 years.
  • Maternity insurance cover and infant cover clubbed with general health insurance.
  • Two variants available: Joy Today and Joy Tomorrow.
  • Nine months waiting period for maternity related insurance claims with Joy Today and twenty-four months with Joy Tomorrow.

Fixed Benefit Insurance

Plan Salient Features


  • Insurance plan for accidents and critical illnesses.
  • 20 major illnesses covered.
  • Accidental death and total disability are covered. Lump sum paid in these scenarios.
  • Customizable insured sum options.
  • Survival period mandate is zero days.


  • Accident insurance for individuals.
  • Accidental death, permanent partial disability, permanent complete disability covered.
  • Reconstructive surgery, high cost diagnostic tests covered.
  • Cover options for ambulance charges, treatments for fractures, burns, etc also available.
  • Option to cover children’s’ education.
  • Mobility assistance covers and covers for nursing facility available.
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