Insurance Behaviour: Care Health Insurance Trends Report 2025
FinTech BizNews Service
Mumbai, 28, December, 2025: Care Health Insurance today announced its extensive 2025
Annual Trends Report. A major shift toward proactive Health Insurance purchases and a strong
preference for digital engagement are highlighted in the report's analysis of changing consumer
behaviors, digital adoption, and emerging health claims patterns.
According to the report's data, there is a definite trend of Indians actively obtaining Health
Insurance. There is an increase of more than 27% in the number of insured members in
Underwriting Year 2023–2024 to 2024–2025 — underscoring the growing awareness about the
need of comprehensive health cover accelerated by escalating medical costs.
Manish Dodeja, Chief Operating Officer, Care Health Insurance, commented, "It is evident from
our annual trends report that Indian Health Insurance consumers are proactively seeking
comprehensive health coverage and are becoming more tech-savvy. Consumers are prioritizing
preventive healthcare and lifestyle care. Through these behavioural shifts, we are guided and
ensuring that Care Health Insurance offers solutions that are intuitive. We're committed to
investing in technology to make Health Insurance easier to understand, more accessible and
adaptable to our customers& evolving needs."
The company also witnessed a change in purchasing habits across age groups. All cohorts have
seen an annual increase in the average Sum Insured. For example, the average SI for the 0–17
age group increased by over 7% from 2024–2025 to 2025–2026, suggesting that families are
securing higher coverage for their children. Aside this, first-time buyers (18–35 years old),
continue to make up a sizable portion of all policyholders for the year 2025- 2026 with more
than 30% of the total share. Also, the proportion of Senior Citizens (60 years of age and older)
increased to almost 14% in 2025–2026.
Analysis of the top health conditions for which claims were settled reveals a focus on illnesses
like Dengue, Malaria and Common Flu, lifestyle related ailments like respiratory infections and
heart related ailments, Cancer and arthritis. This indicates a high volume of claims for lifestyle
diseases and healthcare for the elderly.
A significant number of customers now prefer using digital means for managing their Health
Insurance. Website visits with high purchase intent in the first half of this financial year have
more than doubled over the last three years. Aside this, more and more consumers are
focusing on preventive healthcare and overall wellness. There has been a 2.5 times increase in
number of people who have used step tracking feature on our mobile app to avail discounts on
their renewal premium.
The most preferred renewal method is now online, with almost 10% increase of customers
paying renewal premiums digitally. Similarly, demand for app-based services has also surged.
Customers increasingly use Care Health’s mobile app (Care Health – Customer App) for a
seamless service experience—be it filing claims, renewing policies, accessing hospital networks,
or scheduling health checks. The company has witnessed close to 30% of its customers filing
claims via the app and over 15% of policy renewals through the mobile app over the last year.
Comprehensive health security is becoming more and more popular among consumers. Top-up
coverage, OPD benefits, wellness initiatives, teleconsultation, home care, and a vast network of
cashless healthcare providers are attributing that consumers are considering before buying
their health coverage - and rightly so!
