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Care Health · CHIHLIP26055V092526

Care Health Care

Care Health Care (IRDAI UIN CHIHLIP26055V092526) is an individual and family floater health insurance plan with sum insured from 1 lakh to 6 crore (20 options). Pre-existing diseases are covered after 3 years.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

Care Health Care is a health insurance plan from Care Health. Key specifications: plan type Individual and family floater, 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, pre-existing disease waiting 36 months. Among health insurance here it fits best for high sum insured available.

Sample premium ₹21,061 a year*

*For: Individual 1A, age band 25-35, Care 4 plan, Sum Insured Rs 10,00,000, Zone 1, base gross premium excluding GST. Your premium will differ.

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Plan type
Individual and family floater
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
Pre-existing disease waiting
36 months
Sample annual premium
₹21,061

Pros

  • Sum insured up to ₹6 crore, higher than 98% of the 52 health insurance plans on Comparezi that state it
  • No co-payment unless you choose one for a lower premium

Cons

  • Shorter pre-hospitalisation cover than 85% of the 49 health insurance plans on Comparezi that state it (30 days)
  • Shorter post-hospitalisation cover than 85% of the 49 health insurance plans on Comparezi that state it (60 days)

Who should buy it

  • Best for High sum insured available · What matters most? (pick any) #1 of 53 health insurance for this

Who should avoid it

  • Not ideal for Longer pre- and post-hospital cover · What matters most? (pick any) #43 of 53

Full specifications

Cover

Plan type 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
Highest sum insured 600 lakh
Entry age From 5 years (individual); 91 days (floater, with at least one insured aged 18+) (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
Co-payment None mandatory; optional 20% per claim for age 61+

Waiting periods

Initial waiting period 30 days
Pre-existing disease waiting 36 months
Specific illness waiting 24 months

Benefits

Pre-hospitalisation 30 days
Post-hospitalisation 60 days
Day-care treatment Yes
AYUSH treatment Yes
Restore benefit Automatic Recharge: entire sum insured reinstated once per policy year (unlimited times with optional Unlimited Automatic Recharge)
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
Maternity Only for SI Rs 50/60/75 lakh (Care 6), floater, after 24 months
OPD Not covered in base; optional OPD Care / Everyday Care

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%
Claims figures for FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer) 22,100+ (as of Dec 2025)
IRDAI UIN CHIHLIP26055V092526

About the Care

Care Health Care (IRDAI UIN CHIHLIP26055V092526) is an individual and family floater health insurance plan with sum insured from 1 lakh to 6 crore (20 options). Pre-existing diseases are covered after 3 years. It is one of 53 health insurance plans on Comparezi, from Care Health.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Cover and limits

  • Plan type: 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
  • Entry age: From 5 years (individual); 91 days (floater, with at least one insured aged 18+) (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
  • Co-payment: None mandatory; optional 20% per claim for age 61+

Waiting periods

  • Initial waiting period: 30 days
  • Pre-existing diseases: 3 years
  • Specific illnesses: 2 years

Benefits

  • Pre-hospitalisation: 30 days
  • Post-hospitalisation: 60 days
  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • Restore benefit: Automatic Recharge: entire sum insured reinstated once per policy year (unlimited times with optional Unlimited Automatic Recharge)
  • 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
  • Maternity: Only for SI Rs 50/60/75 lakh (Care 6), floater, after 24 months
  • OPD: Not covered in base; optional OPD Care / Everyday Care

How it compares on Comparezi

Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 9 have a shorter one and 40 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, 42 have a longer one and 6 have the same.

Premium

It depends on your age, cover, city and options. Care Health's own published premium table gives ₹21,061 a year for this profile: Individual 1A, age band 25-35, Care 4 plan, Sum Insured Rs 10,00,000, Zone 1, base gross premium excluding GST. Your premium will differ; get a quote from the insurer.

About the insurer

Care Health's health incurred claim ratio was 64.53% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid. Care Health states a network of 22,100+ (as of Dec 2025) hospitals.

Similar plans from other insurers

Other health insurance plans from Care Health

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the Care

All health insurance →
  • Individual and family floater Plan type
  • SI 3 Lac to 10 Lac: Single Pvt AC Room; above 10 Lacs SI: Actuals (other options selectable) Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

IndusInd General

HealthGain

  • Individual and family floater Plan type
  • Plus: Single Private Air-Conditioned Room; Power and Prime: Actuals Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

New India Assurance

Floater Mediclaim Policy

  • Family floater Plan type
  • 1% of Sum Insured per day, maximum Rs. 15,000 per day (Basic Plan up to Rs 15L) Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

New India Assurance

Mediclaim Policy

  • Individual Plan type
  • 1% of Sum Insured per day, maximum Rs. 15,000 per day (Basic Plan up to Rs 15L) Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹11,479 a year*

Similar cover

Similar health insurance plans

Care Health

Care Supreme

  • Individual and family floater Plan type
  • Up to SI Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹12,292 a year*

Care Health

Ultimate Care

  • Individual and family floater Plan type
  • Up to SI Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹10,390 a year*

Head to head

Compare the Care

Questions

Care FAQs

It depends on your age, cover, city and options. Care Health's own published premium table gives ₹21,061 a year for this profile: Individual 1A, age band 25-35, Care 4 plan, Sum Insured Rs 10,00,000, Zone 1, base gross premium excluding GST. Your premium will differ; get a quote from the insurer.

CHIHLIP26055V092526. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

3 years, as stated by the insurer.

Room rent as stated by the insurer: 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.

Co-payment as stated by the insurer: None mandatory; optional 20% per claim for age 61+.

Maternity as stated by the insurer: Only for SI Rs 50/60/75 lakh (Care 6), floater, after 24 months.

30 days before and 60 days after hospitalisation.

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.

Data sources

  • Manufacturer official pages

Last updated

Product details

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