Learn How Care Health Insurance Claim Process Works
Table of Contents
Care Health Insurance Company is a stand-alone health insurance company rendering upstanding quality insurance services to individuals, families, and the corporate sectors as well. This company has a wide presence across 1700 locations in India. It is a joint venture between Care Enterprises Limited, Corporation Bank, and Union Bank. Care Health Insurance Company has been a very trusted name in health insurance since the year 2012. Care Health Insurance Company has been felicitated with several awards such as the ’Best Medical Insurance Product Award’ at the FICCI HealthCare Awards, the ‘Best Health Insurance Company’ at the ABP News-BFSI Awards, and the ‘Editor’s Choice Award for Best Product Innovation’ at Finnoviti.
Care Health Insurance Claim Process
In case of a claim under your Care health insurance policy, you should follow a claim process to get the claim settled. The process is as follows –
- When a claim occurs, inform the company immediately. In case of planned hospitalization, you should inform Care at least 48 hours before hospitalization and in case of emergency hospitalization, intimation should be given within 24 hours of hospitalization. To inform, you can call the company at 1800 102 4488
- For cashless claims, get admitted to a networked hospital for treatments. Avail the pre-authorization form from the hospital or download it from the company’s website. Fill up the form and submit it at the hospital and the hospital will forward the form to Care
- Based on the pre-authorization form, Care would approve your claim and you can avail of cashless treatments
- If, however, you seek treatments in a non-networked hospital, the claim would be settled on a reimbursement basis
- For reimbursement claims, get treated and pay the medical expenses yourself. After you are discharged, download the claim form from the company’s website, fill it up, and submit it. You should also submit the medical documents along with the claim form. Care would assess and verify your claim and reimburse you for the medical costs incurred
The documents needed for health insurance claims are as follows –
- The claim form, filled and signed
- Photo identity proof of the insured
- Doctor’s referral letter which advises on hospitalisation
- All doctor’s prescriptions in original which prescribe medicines and/or diagnostic tests
- All original medical bills for medicines and diagnostic tests
- Original diagnostic reports
- Discharge summary
- FIR or Medico-Legal Certificate in case of accidental injuries
- Post-mortem report, if applicable
Any other document needed by Care
You can also make Care health insurance claims online through the company’s website. Care offers Claim Genie which helps in making health claims online. Simply visit https://www.careinsurance.com/rhicl/claim/login and log into your account. Intimate the company about your claim online and upload your documents to start the claim process. You can also track your claims online in your account.
Conclusion
Care offers a range of health insurance plans which meet the varied needs of customers. The plans have comprehensive coverage benefits and affordable premiums. Moreover, the level of coverage offered by Care health insurance plans is the best in the industry. You can, therefore, choose one or more health insurance plans offered by Care and get complete protection against medical contingencies.
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