Verified: 25 July 2026 05:31 am IST
Industry: Health Insurance (Standalone)
Jurisdiction: India
Primary Regulator: Insurance Regulatory and Development Authority of India (IRDAI)
Important Safety Warning: Beware of the “Fake Support & Cashless Claim Scam.” Scammers frequently buy ads on Google displaying fake Care Health customer service helplines. This is a scam. Care Health staff and the Insurance Ombudsman will never ask you to pay a “processing fee” to approve a cashless hospital admission or process a reimbursement claim, nor will they ask for your OTP or password.
Level 1: Customer Support (Initial Complaint)
How to complain: Register your complaint (claim delays, policy mis-selling, network hospital denial) via the Care Health App or the Self-Help portal on their website. You can also email the central service desk at customerfirst@careinsurance.com. To call, use their official toll-free service helpline at 1800-102-4488 or the claims helpline at 1800-102-6655. For WhatsApp support, you can send a message to +91-8860402452. You must ensure you receive a unique “Complaint/Reference Number” - without this number, your complaint does not legally exist in the regulatory system.
Availability: Phone and WhatsApp support operate 24x7.
Timeline: Care Health must acknowledge your complaint immediately and resolve Level 1 issues within 15 days as per IRDAI guidelines.
Level 2: Internal Escalation (Manager - Customer Service)
Who to contact: If Level 1 support fails, your claim is wrongfully rejected, or 15 days pass without resolution, you must escalate to the Manager of Customer Service. You must email your formal grievance, clearly stating your original Level 1 Reference Number, to resolve1@careinsurance.com.
Timeline: The internal grievance desk must review the escalation and provide a reasoned resolution.
Level 3: Final Internal Escalation (Grievance Redressal Officer)
Who to contact: If the Manager of Customer Service fails to resolve the issue to your satisfaction, you must escalate to the final internal authority: the Grievance Redressal Officer (GRO). You must email your appeal to resolve2@careinsurance.com. Written legal notices should be sent via physical post to their operational GRO headquarters: Grievance Redressal Officer, Care Health Insurance Limited, Vipul Tech Square, Tower C, 3rd Floor, Golf Course Road, Sector-43, Gurugram, Haryana – 122009.
Level 4: Administrative Mediation (IRDAI Bima Bharosa & Insurance Ombudsman)
Authority: If Care Health’s GRO rejects your claim, or exactly 30 days have passed since your initial Level 1 complaint without a satisfactory resolution, you have exhausted internal remedies. Your next step depends on the severity. You can escalate administrative delays to the IRDAI via the Bima Bharosa portal (bimabharosa.irdai.gov.in). If your dispute is regarding a claim rejection, premium disputes, or policy mis-selling (up to ₹50 Lakhs), you must approach the Insurance Ombudsman.
Portal/Contact: File general administrative escalations at bimabharosa.irdai.gov.in. For quasi-judicial mediation regarding claim rejections, register your case directly on the Council for Insurance Ombudsmen portal at cioins.co.in. The Ombudsman service is entirely free, and lawyers are generally not allowed to represent you during the hearing.
Level 5: Legal Action (Final Step)
Pre-Litigation: If the Ombudsman mediation fails, you can use the National Consumer Helpline (NCH) at 1915 for pre-litigation counseling or to register a formal government grievance.
Court/Arbitration: If all administrative avenues fail, you must prepare for formal litigation under the Consumer Protection Act, 2019. You can file a formal complaint with the appropriate District Consumer Disputes Redressal Commission entirely online using the government’s unified e-Jagriti portal (e-jagriti.gov.in).
Timeline: You must file the consumer case or the Ombudsman complaint within one year from the date the insurer officially rejected your claim.
Community Action: Is Care Health refusing to process a cashless hospital claim after 30 days, or are you looking for the correct template to formally escalate a health claim rejection to the Gurugram GRO? Reply below (do not share your passwords, policy documents, or full policy numbers), and our community will point you to the right resources!