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It is not wrong to believe that young ones are mostly free of health problems and are quite energetic. When people are young, they also usually have a strong immune system to fight against the health odds, and the idea of buying affordable health insurance may not strike. However, one's future remains unpredictable, especially in today's time when a pandemic doesn't spare any age group.
The cycle of life and its uncertainties will keep going on but you can certainly be prepared for any unforeseen events. As far as health is concerned, investing in affordable health insurance is a wise decision. Health crises can occur to anyone and at any time. One may choose to avoid thinking of such a situation but the uncertainties of life compel us to prepare for a secure and sound tomorrow. This article will guide you through one of the health insurance plans specifically designed for young adults: the Care Youth Health Insurance Plan-Care Plus.
Care Plus Youth Health Insurance: At a Glance
The striking highlights of Care Youth Health Insurance Cover are given in the table below. Check the table to have a quick insight into the plan details and features:
| Particulars | Details |
|---|---|
| Type of plan | Indemnity plan |
| Suited for | Young adults and children |
| Sum insured options | 3/5/7/10/25 lakhs |
| Daycare treatment | 541+ daycare treatments covered |
| No claim bonus protect | Yes |
| Add-ons | 3 types of add-ons available |
| Family floater option | Yes, up to 6 persons |
| Earn and burn feature | Yes, for insured above 5+ age |
| Cashless claims | Yes, at 11600+ network hospitals |
| Tax exemption | Yes, under Section 80D of the Income Tax Act of 1961 |
| Medical tests before purchasing policy | No |
What is the Care Plus Youth Health Insurance Plan?
Care Youth Health Insurance Plan is an ideally designed health plan for young adults. It focuses on covering the essential health needs of a young adult. Along with individuals, you also have the option of a family floater plan where a member as small as 91 days can be included. The sum insured of the plan ranges from ₹3 lakh to ₹25 lakh, so you can choose the one that best suits your needs. Read on to know the details of this affordable health insurance.
| Coverage Offered | |
|---|---|
| In-patient hospitalisation (up to SI) | Personal accident cover (up to SI) |
| Pre hospitalisation (for 60 days) | No claim bonus protect |
| Post hospitalisation (for 90 days) | Unlimited e-consultations |
| Daycare treatment (541+ daycare treatments covered) | AYUSH treatment (10% of SI) |
| Out-patient consultations (available in ₹5 lakhs SI and above) | Second opinion (once per member per policy year) |
| Advanced technology treatments (up to SI) | Organ donor expenses (up to SI) |
| Unlimited automatic recharge (Up to SI) | Ambulance (up to ₹2000 per hospitalisation) and air-ambulance expenses |
| Annual health check-ups | Domiciliary hospitalisation (up to SI) |
| Out-patient ophthalmic and dental treatments (available in ₹5 lakhs SI and above plan) | Inflation shield |
What is Covered under Care Plus Youth Health Insurance?
Care Youth is one of the most affordable health insurance that you can invest in. It is a comprehensive health plan that covers a lot of medical expenses and conditions. The below-table gives a quick idea of the coverages offered:
What is Not Covered under Care Plus Youth Health Insurance?
Along with the inclusions, it is also essential to understand the exclusions of a health insurance plan. There are some conditions that a health insurance plan cannot cover. Under Care Youth Plus, the following conditions remain uncovered:
| Conditions Uncovered | |
|---|---|
| Self-inflicted injuries like suicide | Congenital diseases |
| Drug abuse | Infertility treatments |
| Pregnancy complications | Wars and riots |
Add-ons Available with Care Plus Youth Health Insurance
With Care Youth Health Insurance Plan, you have the option to extend the coverage by purchasing add-ons. There are three types of add-ons available with the Care Youth Plus Health Plan. These are:
International Second Opinion
Sometimes, you may feel the need for a second opinion outside India to be sure of your health condition. For such a situation, you may invest in an international second opinion. This is an add-on to the Care Youth Plan.
Maternity Benefit
As a young adult who is planning to expand their family can invest in Care Youth Plus Health Insurance. The add-on plan of maternity benefit covers maternity expenses after 2 years of waiting period.
Smart Select
With the Smart Select add-on, you can create a Smart Select hospital list and receive a 15% discount on treatment at these hospitals.
Eligibility Criteria for Care Youth Health Insurance
Before you plan to invest in any affordable health insurance, you must check the eligibility criteria for the same. The table below shows the eligibility criteria for the Care Youth Health Insurance Plan:
| Particulars | Details |
|---|---|
| Minimum entry age | Individual Plan: 5 years Floater Plan: 91 days with 1 member above 18 years of age |
| Maximum entry age | Adult: 35 years Child: 24 years |
| Exit age | Adult: Lifelong Child: 25 years |
| Policy tenure | 1,2,3 years |
| Proposer’s age | 18 or above 18 years |
How to Raise a Claim for Care Youth Health Insurance?
Health insurance claims for youth health insurance plans are easy to process. You have the flexibility to choose from either cashless or reimbursement claims. Depending on your preference and availability, you may choose either and avail yourself of the benefit of the policy. Here is how you can raise a claim:
Reimbursement Claims
- Intimation to Insurer: Intimate your insurer about the need for hospitalisation. For a planned hospitalisation, you have to inform before 48 hours and in case of an emergency, intimation has to be sent within 24 hours.
- Pre-authorisation: You must submit the pre-authorisation form, which can be downloaded from Care's official website or at the TPA desk at the hospital.
- Treatment: After approval, the treatment can be started. In case of claim rejection, you can re-apply for the same.
- Bill Submission and Reimbursement: Hospital bills have to be paid by the insurer at the time of discharge. Submit the bills to the insurer, and you will be reimbursed the admissible amount.
Cashless Claims
- Intimate the Insurer: The first step is to send an intimation to your insurer within 24 hours of emergency hospitalisation. For a planned hospitalisation, the intimation has to be sent 48 hours before the treatment.
- Submission of Pre-authorisation: The pre-authorisation form has to be duly filled and submitted to the insurer.
- Hospitalisation: After approval of the claim, the hospitalisation process can be started.
- Claim Settlement: Upon discharge, all the admissible bills will be directly paid by the insurance company to the hospital.
Bottom Line
Young age is the age to explore new opportunities in life and build a strong future. Amid your quest to build a good life, your health must not be compromised for any reason. To be able to avail yourself of the best medical treatment without any financial stress, you must invest in a health insurance plan. Whether you are a young adult or over 40, investing in a health insurance plan is never a late idea, so choose your perfect plan today to stay covered.
>> Also Read: Navigating the Basics of Care Plus Youth Health Insurance
Disclaimers: The above information is for reference purposes only. Kindly consult your general physician for verified medical advice. The health insurance benefits are subject to policy terms and conditions. Refer to your policy documents for more information.
