Care Health Care Plus Insurance Plan

Care Plus Health Insurance is a comprehensive health insurance plan that covers people of all ages without any upper age limit. This plan by Care Health Insurance Limited offers a wide range of new-age benefits to individuals and families along with renewal benefits for people above 40 years of age.

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Care Health Care Plus Insurance Plan

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    Key Features and Benefits of Care Plus Health Insurance Plan

    Take a look at some of the key features and benefits of buying a Care Plus Health Insurance plan below:

    • Coverage for All– It provides coverage for people of all ages, be it adults, children or senior citizens.
    • Unique Coverage– It offers a variety of unique benefits, such as an inflation shield, unlimited e-consultation, health services, earn and burn rewards, etc.
    • Annual Health Check-up – It provides annual medical check-up facilities once per policy year to the insured at a network hospital of Care Health Insurance Limited.
    • Unlimited Automatic Recharge Option– It automatically recharges the sum insured unlimited times if the policyholder has exhausted the sum insured amount during the policy tenure.
    • No Claim Bonus – It offers a No Claim Bonus for up to 200% of the sum insured in case no claim was raised in the previous year or if the claim amount was not more than 25% of the sum insured amount.
    • Cashless Treatment– It offers cashless treatment facilities at more than 16,500 network hospitals of Care Health Insurance
    • Flexible Policy Tenure – It provides the policyholder with the flexibility to choose a policy tenure of 1 year/ 2 years/ 3 years as per his/her preference.
    • High Claim Settlement Ratio– The insurance company enjoys a high claim settlement ratio of 95.2% that implies the policyholder has a higher chance of claim settlement.
    • Tax Benefits – It provides tax benefits on the premium paid towards the policy under Section 80D of the Income Tax Act, 1961.

    Care Plus Health Insurance: Key Highlights

    Categories Specifications
    Coverage Individual and Floater
    Sum Insured 3 lakh, 5 lakh, 7 lakh, 10 lakh, 25 lakh
    Pre-policy Medical Check-up Not required up to 65 years of age
    Policy Tenure 1/2/3 years
    Pre-existing Diseases Waiting Period 3 years
    Renewability Lifelong
    Discount 5% Digital Discount,
    5% & 10% Family Discount
    7.5% & 10% Tenure Discount
    10% Early Bird Discount (for people above 40 years if enrolled before 36 years)

    Inclusions of Care Plus Health Insurance Plan

    The following coverage is included under the Care Plus Health Insurance plan:

    • In-Patient Hospitalization– It covers the medical expenses incurred by the insured on getting admitted to a hospital for at least 24 hours. It includes room rent, ICU charges, OT charges, doctor’s fee, nursing fee, etc.
    • Day Care Treatments– It provides coverage for more than 540 day care procedures that require hospitalization of less than 24 hours.
    • Pre & Post-Hospitalization Expenses– It covers the medical expenses incurred before hospitalization for up to 60 days and after discharge for up to 90 days.
    • Ambulance Cover– It reimburses the expenses incurred on availing ambulance services during a medical emergency for up to Rs 2000 per hospitalization.
    • Advance Technology Methods– It covers the medical expenses incurred on treatment taken through 12 advanced technology procedures, including oral chemotherapy, stem cell therapy and robotic surgeries.
    • Organ Donor Cover– It reimburses the medical expenses incurred by the organ donor during an organ transplant surgery.
    • OPD Cover – It covers the expenses incurred on out-patient consultations and out-patient dental & ophthalmic treatments by the insured.
    • AYUSH Treatment– It covers the cost of availing treatment through AYUSH school of medicine for up 10% of the sum insured.
    • Personal Accident Cover– It provides compensation in case of accidental death or permanent total disability of the primary insured member.
    • Domiciliary Hospitalization– It covers the medical expenses incurred on availing home treatment for more than 3 days on the advice of a doctor.
    • Second Opinion– It covers the cost of availing a second medical opinion on the diagnosis of a disease or illness once per family member in a policy year.
    • Air Ambulance Cover– It pays for the charges for availing air ambulance services for up to the sum insured or Rs 5 lakh, whichever is lower.

    Optional Benefits:

    • Maternity & Newborn Baby Cover– It covers the medical expenses incurred on pregnancy-related treatments along with newborn baby expenses. This cover is only available under the floater policy.
    • Daily Allowance – It provides a fixed lump sum amount per day to the policyholder for up to a maximum of 15 days of hospitalization during a policy year.
    • International Second Opinion– It covers the cost of availing international second opinion once per injury or major illness during a policy tenure.
    • Room Rent Modification – It enables the policyholder to upgrade the hospital room to a single private AC room and to no limit on ICU charges. However, this cover is available only to people with a sum insured of less than Rs 5 lakh.
    • Deductible Option – It provides the policyholder with the option to reduce the premium by opting for a voluntary deductible.
    • Smart Select – It enables the policyholder to earn a 15% savings on the premium on the premium of the Care Plus health insurance policy.

    Exclusions of Care Plus Health Insurance Plan

    The following medical expenses are excluded under the Care Plus Health Insurance plan:

    • Obesity and weight control treatments
    • Treatment of alcoholism and substance abuse
    • Cosmetic or plastic surgery
    • Sterility and infertility treatment
    • Injuries due to hazardous or adventure sports
    • Self-inflicted injuries or suicide
    • Gender change treatments
    • Injuries sustained while breaking the law
    • Internal congenital anomaly
    • Injuries or illness resulting from acts of war or nuclear perils

    The above-listed exclusions are not complete. Get the complete list of exclusions by referring to the policy documents of Care Plus Health Insurance.

    Care Plus Health Insurance Eligibility Criteria

    Take a look at the eligibility criteria to buy a Care Health Insurance policy in the table below:

    Categories Eligibility Criteria
    Minimum Entry Age Individual Cover – 5 years
    Floater Cover – 91 days
    Maximum Entry Age Adult - Lifelong
    Children – 24 years
    Exit Age Adult – No exit age
    Children – 25 years
    Maximum Number of Family Members 6 family members


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