Getting family health insurance from Care Health Insurance Company in India is a streamlined and beneficial process that not only helps you take care of the medical needs of your entire family, but also ensures financial security in case of an emergency.
Care Health Insurance
Care Health Insurance (formerly Religare Health Insurance) is one of the leading health insurance companies in India that offers a wide range of health plans. These include individual, family, senior citizen, critical illness, top-up, and group health insurance. Family health insurance plans are specially designed for families who want medical protection for the entire family in a single policy.
Family Health Insurance
Family health insurance is a type of floater plan that has a single policy, same sum insured, and same premium for all members of the family. Any member can opt for treatment from the sum insured, thereby providing maximum coverage to each individual.
Key Benefits:
- One Policy, One Premium: Same premium for all covered members.
- Cashless Treatment: At (8,000+) network hospitals across India.
- Income Tax Exemption: Premium tax exemption under Section 80D.
- Lifetime Renewal: Maintain continuity even as you age.
How to choose the right family health plan?
- Coverage limit
Decide the sum insured based on your family size, place of residence (metropolitan/non-metropolitan), and medical history. At Care Health, it can range from ₹3 lakh to ₹6 crore. - Waiting period
For pre-existing diseases, maternity and other specific conditions, the waiting period can range from 1 to 4 years. - Network hospitals
Care Health has over 8,000 network hospitals where cashless facility is available. Check if your nearest hospital is in the network.
Eligibility Criteria
- Minimum age of proposer: 18 years.
- Minimum age of children: 91 days; maximum 24 years (in floater plan).
- Maximum age: Generally no limit, but can be up to 65 years depending on the plan chosen.
- Members: Self, spouse, children, parents, in-laws, others.
- Must be an Indian citizen.
Documents Required
For Insurance
- Age Proof: Birth Certificate, Aadhaar Card, School/College Marksheets
- Identity Proof: Aadhaar Card, Voter ID Card, PAN Card, Passport
- Address Proof: Aadhaar/Passport/Bank Statement/Driving License
- Photograph: Passport Size
- Medical History: If you or any of your family members have any chronic illness, then report/medical proof of the same.
For Claim/KYC
- Filled and signed claim form
- Policy documents/Health card
- Hospital, lab or doctor bills and prescriptions
- Bank statements (for reimbursement)
- PAN Card (for large claims)
Step-by-step application process
Choose a plan
- Visit the company website, aggregator (Policybazaar, Paisabazaar), or speak to a company agent.
- Understand the covers offered, features, and claim process.
- Choose a floater plan/individual plan as per your need and budget.
Online application and premium calculation
- Click on ‘Buy Now’ or ‘Get Quotation’ on the website.
- Fill in details like name, age, gender, city, family composition, etc.
- The premium will be displayed automatically. If desired, add additional covers like room rent limit, critical illness, OPD, etc.
- Add to cart and click on ‘Proceed’.
Document upload and payment
- Upload the required documents (as given above).
- Get verification by mobile number/OTP.
- Pay premium online like debit/credit card, netbanking or UPI.
- After successful payment, you will receive the policy documents and health card both on mail and portal.
Medical tests (if required)
- The company may request medical tests for you and your family members based on age, pre-morbidities, etc.
- The company conducts these tests in network laboratories and the reports are received directly by the company.
Policy approval and issuance
- After document verification and medical reports, the company issues your policy.
- The complete policy copy, health card and claim procedure is given by mail/post.
Step-by-Step Claim Process
A. Cashless Claim Process
- Get the patient admitted to a network hospital.
- Show the health card and policy number at the hospital’s TPA/insurance desk.
- The hospital fills up the pre-authorization form and sends it to the insurance company.
- On approval, the insurance company passes on the main expenses directly to the hospital.
- Unpayable items (such as cosmetics, personal expenses) are to be paid by the policyholder.
B. Reimbursement Claim Process
- If you have visited a non-network hospital, pay the entire bill yourself.
- Collect all treatment bills, discharge summary, doctor’s advice, prescriptions, reports.
- Submit the claim form, documents, bank details at Care Health’s office/post.
- Once the claim is approved, the amount will be sent to your bank account.
C. Claim Status Tracking and Support
- The claim status can be viewed on the customer portal/mobile app/helpline.
- If any document is lost, the information is received within 3-4 days.
Important Tips
- Read the policy offer document carefully.
- Do not hide hidden illnesses/pre-conditions – impact on future claims.
- Clearly understand the waiting period and exclusions.
- Add new family members (birth/marriage) on time.
- Don’t forget to renew the policy annually or for lifetime.
Conclusion
Care Health Insurance’s family health insurance plans are ideal for modern Indian families. It guarantees your financial stability, peace of mind, and better medical care. The application process is completely digital, the claim process is simple and quick, and the company has a vast network and strong customer support. If you are looking for a reliable, simple, and affordable health insurance product for your family, Care Health Insurance’s family policy is a must consider.