Care Health
Care
Sample premium
₹21,061 a year*
Health Insurance · head to head
Care vs HealthGain
IndusInd General
HealthGain
Premium depends on your profile
Quick verdict
- Care is better for high sum insured available.
- HealthGain is better for longer pre- and post-hospital cover.
Computed from stored specifications, the published health insurance scoring rules and recorded prices. Not an opinion.
Specifications side by side
Spec
Care
HealthGain
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
1 lakh, 2 lakh, 3 lakh, 4 lakh, 5 lakh, 7 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 40 lakh, 50 lakh, 60 lakh, 75 lakh, 1 crore, 150 lakh, 2 crore, 3 crore, 6 crore
5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 50 lakh, 1 crore, 3 crore, 5 crore
Highest sum insured
600 lakh
500 lakh
Entry age
From 5 years (individual); 91 days (floater, with at least one insured aged 18+) (no maximum stated)
From 91 days (no maximum stated)
Room rent
Rs 5/7/10 lakh (Care 4): Single Private Room; Rs 15-40 lakh and above: Single Private Room upgradable to next level if not available; Rs 1-4 lakh: up to 1% of SI per day
Plus: Single Private Air-Conditioned Room; Power and Prime: Actuals
Co-payment
None mandatory; optional 20% per claim for age 61+
None for Zone A premium; 20% if Zone B premium and treated in Zone A
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
36 months
Specific illness waiting
24 months
24 months
Benefits
Pre-hospitalisation
30 days
60 days
Post-hospitalisation
60 days
90 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Automatic Recharge: entire sum insured reinstated once per policy year (unlimited times with optional Unlimited Automatic Recharge)
Unlimited reinstatement of Base Sum Insured on subsequent claims, related and unrelated illness or injury
No-claim bonus
Flat 10% of base sum insured per claim-free year, up to 50%; reduced by 10% of base SI in a claim year
33.33% of Base Sum Insured per claim-free year, max 100%; 33.33% decrease for every claim year
Maternity
Only for SI Rs 50/60/75 lakh (Care 6), floater, after 24 months
Optional (Mother and Child Care cover), 24-month waiting for 1-2 year policies
OPD
Not covered in base; optional OPD Care / Everyday Care
Not covered
Premium
Sample annual premium
₹21,061
—
Sample premium is for
Individual 1A, age band 25-35, Care 4 plan, Sum Insured Rs 10,00,000, Zone 1, base gross premium excluding GST
—
Insurer
Health incurred claim ratio (insurer)
64.53%
87.34%
Claims figures for
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer)
22,100+ (as of Dec 2025)
10,000+
IRDAI UIN
CHIHLIP26055V092526
INIHLIP26040V042526
A tick marks the better value where the category rules say higher (or lower) is better. Text values are shown without a winner. Ties have no winner.
Pros and cons
Care
- Pro: Sum insured up to ₹6 crore, higher than 98% of the 52 health insurance plans on Comparezi that state it
- Pro: No co-payment unless you choose one for a lower premium
- Con: Shorter pre-hospitalisation cover than 85% of the 49 health insurance plans on Comparezi that state it (30 days)
- Con: Shorter post-hospitalisation cover than 85% of the 49 health insurance plans on Comparezi that state it (60 days)
HealthGain
- Pro: Sum insured up to ₹5 crore, higher than 88% of the 52 health insurance plans on Comparezi that state it