Insurance · Health / General insurance

Care Health Insurance Customer Care Number — Helpline, WhatsApp, Email & Grievance Redressal

Every contact below is taken from Care Health Insurance's own official contact and grievance page — not from a directory listing. Along with the numbers you will find what each channel can actually resolve, the grievance officer to escalate to, and the free IRDAI route above them if Care Health Insurance does not fix your problem.

Contacts last verified: 2026-09-23

Care Health Insurance customer care contacts at a glance

Toll-free numbers

1800-102-4488 · 1800-102-4499

Available 24x7

Care Health Insurance does not publish round-the-clock hours for any line. Treat these as business-hours numbers.

Number What it is for Hours
1800-102-4488 Toll-free Services / customer care toll-free - policy servicing, claims queries and Level 1 grievance ("Toll-Free: 1800 102 4488" on the grievance page) not published
1800-102-4499 Toll-free Sales toll-free not published
+91 120 436 2810 NRI customers ("For Nri +911204362810") not published

WhatsApp

8860402452

"WhatsApp for Service" / "Connect with us on Whatsapp". Care states: "For any clarification, please feel free to chat with our customer service on WhatsApp at 8860402452." Care also says claim status updates are pushed "at every stage of claim process through SMS/Whatsapp and email."

Email

Verified against https://irdai.gov.in/list-of-gros

Check the number before you dial

Searching for a customer care number is one of the most exploited moments in Indian consumer finance: fraudsters seed fake helplines into search results, map listings and social-media replies. Take the number from Care Health Insurance's own site or from inside its app, and never accept inbound help. No insurer in India will ever ask for your OTP, PIN, CVV, full card number or a screen-sharing app, and no genuine refund requires you to pay first.

Care Health Insurance's own published warning: “"Beware of spurious phone calls and fictitious / fraudulent offers. IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint."”

If money has already left your account, call 1930 and file at cybercrime.gov.in the same hour — see the first-hour fraud steps.

What you can get done on the Care Health Insurance helpline

  • › Intimate, file, upload documents for and track a claim (online 'Claim Genie' interface and Track Claim)
  • › Seek cashless authorisation - at least 48 hours before planned hospitalisation, within 24 hours of emergency hospitalisation
  • › Locate a cashless network hospital and a branch (Network Locator / Branch Locator)
  • › Renew a policy (Quick Renew) and download the renewal notice
  • › Get policy details, the policy / Section 80D certificate soft copy and policy terms
  • › Change address, email ID, mobile number, nominee name, or correct name/PAN details
  • › Book, reschedule or cancel a health check-up appointment
  • › Track a service request by request number or see the last 5 requests
  • › Raise and track a grievance, including senior-citizen priority routing

Keep these ready before you call — your policy number, registered mobile number, the exact date and amount of the transaction in question, and any earlier complaint reference number. Ask for a reference number before the call ends and note the agent's name: without a reference, an escalation has nothing to attach to.

Registering a claim with Care Health Insurance

Claim intimation

Phone
1800-102-4488
Email
customerfirst@careinsurance.com
Turnaround
Care's own Claims Procedure document states: "For cashless claims, the initial process takes 1 hour and the final process takes 3 hours from the time of complete claim [documents]", and the claim centre page adds "For cashless claim we will contact you within 6 hours from the time of claim intimation" and "For reimbursement claims, you will hear from us within 7 days of registration of Claim." This matches IRDAI's Master Circular on Health Insurance Business (29.05.2024): cashless authorisation "not more than one hour of receipt of request" and final discharge authorisation "within three hours of the receipt of discharge authorization request from the hospital".
Hospitals
Network hospital list ↗

"For any emergency hospitalization, the insured should intimate us within 24 hours from the time of hospitalization. For any planned hospitalization, the Insured should seek cashless authorization from us at least 48 hours prior to hospitalization." Process: "Contact hospital insurance help-desk or billing counter with a copy of patient's medical ID card, e-health card, pre-authorization form along with valid Govt. ID proof"; "Submitted documents are shared by the billing counter/TPA desk with us, seeking pre-authorization approval"; "Pre-authorization decision will be given by us post review as per policy terms and conditions." Cashless is available only at network hospitals.

Senior citizen channel

IRDAI requires insurers to handle senior-citizen complaints through a dedicated channel. Care Health Insurance publishes one:

1800-102-4488 ("For senior citizens, please contact us on our toll-free number 1800-102-4488 and press 5")

Care Health Insurance grievance redressal — officer, address and timelines

IRDAI requires every insurer to appoint and publish a Grievance Redressal Officer. This is who you write to when customer care has not fixed the problem — and the step you must complete before the Ombudsman will hear you.

Grievance Redressal Officer

Name
not published
Designation
Grievance Redressal Officer (Level 3 - GRO)
Email
GRO@careinsurance.com
Phone
1800 102 4488 (toll-free grievance line published on the grievance page)
Address
Care Health Insurance Limited, Vipul Tech Square, Tower C, 3rd Floor, Golf Course Road, Sector-43, Gurugram-122009
Hours
not published
Timeline
"Expected Resolution Time : Within 14 days."

What to put in the escalation email

One screen, no adjectives. Open with your policy number and the earlier complaint reference. Then: what happened, with dates and amounts; what you have already been told; and what specific outcome you want — a reversal, a corrected bureau entry, a closure letter. Attach screenshots and statements as files rather than describing them. Close with a line saying that if it is not resolved within 15 days you will take it to the IRDAI Bima Bharosa portal and the Insurance Ombudsman. That sentence changes how the file is handled, because it starts a clock the company is measured on.

Registered office: Care Health Insurance Limited, Reg Office - 5th Floor, 19, Chawla House, Nehru Place, New Delhi-110019, CIN U66000DL2007PLC161503. Correspondence address: Vipul Tech Square, Tower C, 3rd Floor, Golf Course Road, Sector-43, Gurugram-122009 (Haryana)

If Care Health Insurance does not resolve it: the escalation ladder

Each level has to be attempted before the next one will hear you, and each one needs the reference number from the level below. Nothing here costs money and none of it needs a lawyer.

Level 1

Customer Care / Grievance Redressal Team

Toll-Free 1800 102 4488; resolve1@careinsurance.com; or physical letter to Care Health Insurance Limited, Vipul Tech Square, Tower C, 3rd Floor, Golf Course Road, Sector-43, Gurugram-122009

"Expected Resolution Time : Within 14 days"

Level 2

Grievance Redressal Team - second review

resolve2@careinsurance.com

Within the same 14-day expected resolution time

Level 3

Grievance Redressal Officer (GRO)

GRO@careinsurance.com, or write to the Grievance Redressal Officer at the Gurugram corporate office

Level 4a

Internal Insurance Ombudsman (IIO)

iio@careinsurance.com

Level 4b

Insurance Ombudsman (external)

https://cioins.co.in ; office locator at https://cioins.co.in/Ombudsman

Regulator (parallel)

IRDAI - Integrated Grievance Management System / Bima Bharosa

https://bimabharosa.irdai.gov.in/ ; toll-free 155255 / 1800 4254 732; complaints@irdai.gov.in ; Consumer Affairs Department, IRDAI, Sy. No. 115/1, Financial District, Nanakramguda, Gachibowli, Hyderabad - 500032

Available "if you do not receive a final response within the timelines prescribed under applicable regulations"

Regulator and emergency helplines

National Cyber Crime Helpline
1930 		Financial fraud, unauthorised transactions, digital-arrest and phishing scams. Call within the first hour.
cybercrime.gov.in
IRDAI Grievance Call Centre / Bima Bharosa
155255 		Insurance complaints the insurer has not resolved. Alternate line 1800 4254 732; complaints@irdai.gov.in.
bimabharosa.irdai.gov.in
Council for Insurance Ombudsmen
022-6903 8800 		Claim repudiation, delays and policy servicing disputes after the insurer’s final reply. inscoun@cioins.co.in.
cioins.co.in
National Consumer Helpline
1915 		Consumer disputes including mis-selling of financial products. Toll-free, 8 AM–8 PM.
consumerhelpline.gov.in
IRDAI List of Grievance Officers The regulator’s own directory of every insurer’s Grievance Redressal Officer — the definitive source.
irdai.gov.in/list-of-gros

Care Health Insurance customer care — frequently asked questions

What is the Care Health Insurance customer care number?
1800-102-4488 (Services / customer care toll-free - policy servicing, claims queries and Level 1 grievance ("Toll-Free: 1800 102 4488" on the grievance page)), 1800-102-4499 (Sales toll-free), +91 120 436 2810 (NRI customers ("For Nri +911204362810")). Check the hours listed above before you dial. These are taken from Care Health Insurance's own official contact page — verify anything you find elsewhere against that page or inside the app before calling.
Is there a 24x7 Care Health Insurance helpline?
Only the hours Care Health Insurance itself publishes are listed on this page. Where no hours appear beside a number, the company has not stated them — treat it as a business-hours line rather than assuming round-the-clock support. Fraud and card-block requests are the exception at banks, which run those lines 24x7.
Does Care Health Insurance have a WhatsApp number?
Yes — 8860402452, published on its own website. "WhatsApp for Service" / "Connect with us on Whatsapp". Care states: "For any clarification, please feel free to chat with our customer service on WhatsApp at 8860402452." Care also says claim status updates are pushed "at every stage of claim process through SMS/Whatsapp and email." Save it from the official page rather than from a forwarded message: impersonating support on WhatsApp is one of the most common fraud methods in Indian lending today.
How do I file a complaint against Care Health Insurance?
Start with customer care and get a complaint reference number — every later step depends on it. If it is unresolved, write to the Grievance Redressal Officer listed above with that reference, your account or policy number and dates. If the insurer does not attend to it within 15 days or the resolution does not satisfy you, complain to IRDAI through the Bima Bharosa portal, and after the insurer’s final reply you may approach the Insurance Ombudsman free of charge.
Who is the grievance redressal officer of Care Health Insurance?
Care Health Insurance publishes a grievance channel (gro@careinsurance.com) but not a named officer on the pages we verified. IRDAI maintains its own directory of every insurer’s Grievance Redressal Officer at irdai.gov.in/list-of-gros — that is the definitive source.
How do I know a Care Health Insurance customer care number is genuine?
Take it from only two places: the official website, and the support section inside the app. IRDAI requires the detail to be displayed there, and it is the one place a fraudster cannot edit. Never dial a number from a search snippet, a map listing, a social-media reply or a comment thread. And never accept inbound help — if someone calls claiming to be Care Health Insurance, hang up and dial the official number yourself. No company will ever ask for your OTP, PIN, CVV or a screen-sharing app.

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