Care Health health insurance review
What their own claim record says, and which of their plans is worth your money.
Care Health settles 95.45% of claims and draws 42.67 complaints per 10,000 claims, fy 2024–26 (3-year average) from IRDAI disclosures. That is 6 of the 10 insurers we track in this category on settlement ratio. We review 1 of their health insurance plan; Care Supreme scores highest at 4.5/5.
- Claim settlement ratio
- 95.45%
- Complaints per 10,000 claims
- 42.67
- Settlement rank
- 6 of 10
- Our insurer score
- 4.23 / 5
- Book size
- ₹8,404.67 Cr
Care Health health insurance plans we rate
| Plan | Score | Cover |
|---|---|---|
| Care Supreme | 4.5 / 5 | ₹5 L – ₹1 Cr |
- Care Supreme — Care Supreme has the better feature sheet and HDFC ERGO has the better claims desk, and which of those you weight more heavily should decide it. The unlimited recharge, the 22,100-hospital network and the Instant Cover add-on are all real advantages, especially if you live outside a metro or have a pre-existing condition you want covered quickly. But 42.67 complaints per 10,000 claims is a number we will not talk you past — it means roughly one in every 234 claims ends up escalated. Buy this for the network and features, with your eyes open about servicing.
What the claim record means
A settlement ratio is the share of claims an insurer paid in a year. It is the single most useful number about a company, and also the most easily misread: a high ratio on a small book says less than the same ratio on a large one, and it says nothing about how long a claim took or how hard it was to get paid. That is why we read it beside complaint volume — Care Health draws 42.67 complaints per 10,000 claims — rather than on its own.
Both figures are fy 2024–26 (3-year average) from IRDAI Annual Report, insurer public disclosures & policy wordings. See how we score plans and insurers.
Frequently asked questions
What is Care Health's claim settlement ratio?
95.45%, as fy 2024–26 (3-year average) from IRDAI disclosures. That ranks 6 of the 10 insurers we track in this category. Care Health draws 42.67 complaints per 10,000 claims.
Is Care Health good for health insurance?
We rate 1 Care Health plan in this category. Care Health Care Supreme scores highest at 4.5/5. Care Supreme has the better feature sheet and HDFC ERGO has the better claims desk, and which of those you weight more heavily should decide it. The unlimited recharge, the 22,100-hospital network and the Instant Cover add-on are all real advantages, especially if you live outside a metro or have a pre-existing condition you want covered quickly. But 42.67 complaints per 10,000 claims is a number we will not talk you past — it means roughly one in every 234 claims ends up escalated. Buy this for the network and features, with your eyes open about servicing.
How many complaints does Care Health get?
42.67 complaints per 10,000 claims, fy 2024–26 (3-year average) from IRDAI's public grievance disclosures. Lower is better.
Compare Care Health with other insurers
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Disclaimer: Figures shown here are compiled from IRDAI annual reports and public grievance disclosures, and from insurer public disclosures and policy wordings. Claim settlement ratios and complaint volumes are three-year averages for FY 2024–26. Premiums are indicative illustrations for the stated profile, not quotes — your actual premium depends on your age, health, city, habits and underwriting. Scores are Myinsurancebro's own assessment. Always read the official policy document and speak to an advisor before buying. Myinsurancebro is an IRDAI-licensed insurance advisor — we do not manufacture or underwrite any insurance product.