Covid Banner

Get Covid-19 Hospitalization Coverage Also Save Tax U/S 80D

verified
Call Buy Policy : 1800-102-4499

We thank you for your interest in Care Health Insurance. Our expert will call you soon to assist you

Let us help you find
a Perfect Plan

Buy Now
Call Get a call back from us Close

+91 verified

Or call us on our toll free number

Thank You

Thank you!

We thank you for your interest in Care Health Insurance (formerly known as Religare Health Insurance Company Limited). Our expert will call you soon to assist you.

Done
Message Welcome to Live Chat Close

Start Chat

Youth Health Insurance Plan

Youth Health Insurance is one of the promising health insurances that start safeguarding the insured at an early age. You need not think twice if you wish to buy health insurance that protects your youth as well as adulthood.

View More

Lead a Financially Secure Adulthood with Youth Health Plan

Get a Free Quote

15% discount
+91 verified

Back Select family members
you want to cover

Continue

Back Where do you live?
Help us with your city

verified

    View Quote

    Reasons to Choose Care Health Insurance?

    • Healthcare Networks
      19000+ CASHLESS HEALTHCAREPROVIDERS^^
    • Claim settled ratio
      95.2% INSURANCE CLAIMSETTLEMENT RATIO*
    • Claim settled
      30 LACS+ CLAIMS SETTLED**SUCCESSFULLY

    Cover Highlights

    Early Bird Discount

    Early Bird Discount

    Advance Technology Methods

    Advance Technology
    Methods

    No Claim Bonus Protect

    No Claim Bonus
    Protect

    Out-patient Dental and Ophthalmic Treatments

    Out-patient Dental and
    Ophthalmic Treatments

    Unlimited E-Consultation

    Unlimited
    E-Consultation

    Care Plus - Youth Health Insurance Plan

    See all Sum Insured Options arrow close

    KEY FEATURES 3L 5L / 7L 10L / 25L
    In-Patient Hospitalization
    Coverage for expenses incurred for treatment that requires you to stay hospitalized for more than 24 hours. It includes expenses on – room charges, nursing expenses and intensive care unit charges, surgeon's fee, doctor's fee, anaesthesia, blood, oxygen, operation theatre charges, etc
    Upto SI Upto SI Upto SI
    Day Care Treatment
    Refers to treatment that requires less than 24 hours of hospitalisation. We covers 541 such treatments. Some of the examples are treatment of Cataract, Chemotherapy or Dialysis etc.
    Upto SI Upto SI Upto SI
    Advance Technology Methods
    Coverage for hospitalization expenses incurred on treatment through specified advance technology
    Upto SI Upto SI Upto SI
    Out-patient Consultations
    Coverage for medical expenses incurred on medical consultations and prescribed medication availed without getting hospitalized
    - Up to Rs.1,500
    Limit per consultation is Rs.350/-
    Up to Rs.2,500
    Limit per consultation is Rs.350/-
    Out-patient Dental and Ophthalmic Treatments
    1.Coverage for medical expenses incurred for specified out-patient dental consultation/services provided by a licenced dentist .
    2. Coverage for medical expenses incurred for out-patient Eye related treatment/services provided by a licenced ophthalmologist
    - Up to Rs.1,500 Up to Rs.2,500
    Annual Health Check-up
    To regularly monitor the health and well being, of each insured member, they get one health check-up in every policy year. We have already identified set of test that are covered under policy and you can book your health check-up appointment by using Care customer mobile app
    tick-mark tick-mark tick-mark
    Unlimited Automatic Recharge
    In case your sum insured is exhausted during long hospitalisation or due to multiple family members being hospitalised at same time, an amount equal to policy sum insured will be automatically added to your policy. Unlimited times
    Up to SI Up to SI Up to SI
    No Claim Bonus Protect
    50% increase in SI per policy year in case of claim free year; maximum up to 200% SI. (50% decrease in SI per Policy Year in case a claim has been paid; such decrease is only in SI accrued as NCB) No reduction in NCB in subsequent year, if total claim amount <25% of applicable SI in a policy year
    tick-mark tick-mark tick-mark
    Personal Accident Cover (AD & PTD)
    Personal accident plan with accidental death cover for family and permananent disablement cover for specified disablity suffered
    Accidental Death – 100% of SI
    Permanent Total Disablement – up to 100% of SI
    Accidental Death – 100% of SI
    Permanent Total Disablement – up to 100% of SI
    Accidental Death – 100% of SI
    Permanent Total Disablement – up to 100% of SI
    Inflation Shield
    The base policy insured amount will be increased on cumulative basis at each renewal on the basis of inflation rate in previous year.
    tick-mark tick-mark tick-mark
    Unlimited E-Consultation
    Avail unlimited teleconsultations with empaneled doctors 24-7 using live video and voice call
    tick-mark tick-mark tick-mark
    Earn and Burn
    Wellness program that rewards you for staying healthy with redeemable Earn and Burn points as per annexure V.
    tick-mark tick-mark tick-mark
    Ambulance Cover
    We will arrange ambulance transportation of the Insured person, to the nearest hospital; and/or transportation from one hospital to another hospital for the purpose of providing better medical aid to the Insured person, in case of certified medical emergency .
    Upto ₹ 2,000
    per hospitalization
    Upto ₹ 2,000
    per hospitalization
    Upto ₹ 2,000
    per hospitalization
    Organ Donor Cover
    In case of organ transplant surgery is required by insured person, we will cover the cost of operation performed on donor for harvesting organ from the donor.
    Upto SI Upto SI Upto SI
    Second Opinion
    In the event if you diagnosed with specified major Illness / Injury during the policy year then on your request we can arrange a second opinion from our panel of doctors related to your medical treatment
    Once in a policy year (per member) Once in a policy year (per member) Once in a policy year (per member)
    AYUSH Treatments
    Coverage for expenses for more then 24 hour hospitalization related to treatment using AYUSH methods : AYURVEDA /Sidhi/Unani or Homeopathy.
    10% of SI 10% of SI 10% of SI
    Air Ambulance Cover
    We will arrange air transportation from the place of occurrence of medical emergency of the insured person, to the nearest hospital; and/or transportation from one hospital to another hospital for the purpose of providing better medical aid to the insured Person, following an emergency
    Up to SI or maximum of 5 Lakh per policy year, whichever is lower Up to SI or maximum of 5 Lakh per policy year, whichever is lower Up to SI or maximum of 5 Lakh per policy year, whichever is lower
    Health Services
    Services related to hospitalisation, medication or doctor consultation as per the policy
    Health Portal - Doctor on chat, Healthy tips reminder, Digital locker for medical records, etc.
    Discount Connect – Discounts on services at our network
    Health Portal - Doctor on chat, Healthy tips reminder, Digital locker for medical records, etc.
    Discount Connect – Discounts on services at our network
    Health Portal - Doctor on chat, Healthy tips reminder, Digital locker for medical records, etc.
    Discount Connect – Discounts on services at our network
    Pre-hospitalization
    Medical expenses incurred on doctor’s consultation fee, prescribed diagnostics and prescribed medicines 60 days before date of admission.
    60 days 60 days 60 days
    Post-hospitalization
    Medical expenses incurred on doctor’s consultation fee, prescribed diagnostics and prescribed medicines 90 days after date of discharge.
    90 days 90 days 90 days
    Domiciliary Hospitalization
    Medical expenses incurred during his/her prescribed treatment at home so long as it involves medical treatment for a period exceeding 3 days.
    Upto SI Upto SI Upto SI
    SHOW MORE BACK TO PAGE

    Early Bird Discount

    Early Bird If the Insured person avails this policy before the age of 36 years and has continuously renewed without any break, then, on completion of 40 years of age the insured person will be offered a discount of 10% on the subsequent renewal premium applicable on the base coverage opted at the inception of this policy

    Care Plus - Health Insurance Plan for Youth Complete Plan Details

    Add-ons to cover your specific needs

    International Second Opinion

    International Second Opinion

    Provides second opinion from a medical practitioner outside India for specified major illness/injury

    See Details
    Maternity Benefit

    Maternity Benefit

    Focus on joy of parenting and not on maternity expenses

    See Details
    Smart Select

    Smart Select

    Get a discount of 15% on premium

    See Details

    Health Insurance Plan For Early Age

    • Age of Proposer 18 years or above

    • Entry age - Minimum

      • Individual : 5 years (Benefit: Earn & Burn shall be available for member of 18 years or above)

      • Floater : 91 Days with at least 1 member of age 18 years or above

    • Entry age - Maximum

      • Adult : 35 Years

      • Child : 24 Years

    • Exit Age

      • Adult : Lifelong

      • Child : 25 Years

    • Cover Type

      • Individual : Maximum up to 6 Persons

      • Floater : 1A1C / 1A2C / 1A3C / 1A4C / 2A / 2A1C / 2A2C / 2A3C / 2A4C

    • Tenure Options: 1/2/3 Years

    Kindly refer to Terms & Conditions for detail list

    • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide).

    • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse

    • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences.

    • Internal congenital disease

    • Tests and treatment relating to infertility and in vitro fertilization.

    • War, riot, strike, nuclear weapons induced hospitalization.

    For complete list of exclusions please refer to policy TnC

    STEP 1

    Emergency

    Intimate within 24 hours of your hospitalization

    Planned Hospitalization

    Intimate us 48 hours prior to your hospitalization

    STEP 2

    Cashless

    Request for pre-authorization

    Reimbursement

    Claim from submission

    Complete the pre-authorization form available
    at the hospitals insurance/TPA Desk and send us through fax.

    Approval

    Approval letter sent by the claim management team

    Query

    Hospital/Insured to response to the query raised by the claim management team

    Rejected

    You may initiate the treatment and file for reimbursement claim

    Submission of claim form along with required
    documents, as per the policy terms & conditions

    Approval

    Approval letter sent by the claim management team

    Query

    Insured to response to the query raised by the claim management team

    Rejected

    We will communicate the reason in case of rejection

    19000+HEALTH CARE PROVIDERS SERVE CASHLESS MEDICAL SERVICES ACROSS THE GLOBE

    Look for hospitals around you

    Detailed Hospital List
    ipad
    Map empty

    To locate hospitals around you,
    ENTER YOUR CITY

    Voice of our Customers

    Keshav Pal Singh

    review Recently, I have taken a policy for my mother. Hassle free insurance buying process. Highly Recommend Care Do keeps up the good work.

    Rukhsar Khan

    review I would like to appreciate your service, support and guidance to settle claim on time.

    Arun Sharma

    review Mr Promod was very helpful in explaining product features & claim settlement process. Keep it up!

    Krishna Verma

    review Thank you for helping me in bad situation when my dad was hospitalized. Buying Senior Citizen Health Plan was the wiser decision I have taken.

    Radhika Gaur

    review Care Health Insurance was awesome, helped me a lot like family with hospitalization formalities of my dad when I was very tense due to his sudden illness. Really appreciate!
    Ankita Sharma

    My appreciation for your prompt service

    At the outset, I would like to express my appreciation for your prompt service in taking up the case regarding my claim. I have received timely intimation regarding the acceptance of my claim amount settled by you.

    Ankita Sharma

    Health Insurance

    Indubala Nambiar

    We will continue to avail of your scheme

    Thank you for settling the claim amount. It helped me a lot during my tough time. The process is smooth and hassle-free. I will continue with Care Health Insurance and recommend it to my friends as well.

    Indubala Nambiar

    Health Insurance

    Vikas Singh

    Everything went very smooth

    I would like to pass on my appreciation for Virender, who guided me during the difficult time. He helped me at every stage and didn't keep me waiting. Due to his efforts, I was relaxed and everything went very smooth.

    Vikas Singh

    Health Insurance

    Sahil Khattar

    Really helpful explaining the process in advance

    I just wanted to thank you for the exceptional response from you on the recent cashless hospitalization request related to my mother's operation. You were really helpful throughout.

    Sahil Khattar

    Health Insurance

    Aditya Sharma

    Finalising my claim in a short period

    I must express my profound appreciation for finalising my claim in a short period. I have heard of insurance companies holding payment or rejecting it outright on very flimsy grounds was not the case with Care health insurance, May your tribe grow more

    Aditya Sharma

    Health Insurance

    Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.

    Care Health Insurance

    Awarded as Claims
    Leader of the year

    Care Health Insurance

    30 Lakh + Claims Settled^^

    Care Health Insurance

    Cashless claim processing
    in approx. 2 hours

    ^^number of claims settled as on February, 2022

    Why Should you Buy Health Insurance at an Early Age?

    Health insurance is crucial regardless of age. However, the sooner you get it, the earlier you can reap its benefits. But, these days, many young people have this notion that investing in health insurance is something that they should do after retirement. However, increasing pollution, sedentary lifestyle, work stress, or bad eating habits takes a toll on young people's health. On the other side, the cost of medical care in India is turning unaffordable for many.

    Therefore, investing in health insurance at an early age is quite beneficial. It helps youngsters to avoid huge medical bills and live a healthy life. Care Health Insurance brings Care Plus – Youth Health Insurance Plan, the most comprehensive health insurance policy designed for youth. The policy offers inflation-proof coverage and special discounts, with OPD cover, no co-payment clause, and unlimited recharge even for related illnesses.

    Additionally, it offers new-age benefits like unlimited e-consultation, Earn & Burn Reward program, and a health portal that logs your healthcare needs and reminds you of healthy tips. Thus, considering financial constraints and health safety in mind, it is wise to opt for this policy early and earn its benefits later in life. Getting health insurance at an early stage offers you multiple benefits and rewards.

    Features of Care Plus – Youth Health Insurance Plan

    It offers a whole lot when it comes to coverage for the youngsters. You can rest assured that it is a comprehensive health insurance policy with the below prominent features:

    • Wide range of sum insured ranges from Rs 3 lakh to Rs 25 lakh
    • Available on an individual and family floater basis
    • 10 % Renewal Discount after 40 years of age
    • Unlimited recharge even for related illness
    • No claim bonus for every claim-free year
    • Inflation-proof coverage
    • Protection against personal accident coverage for the primary insured member
    • Coverage for OPD expenses including doctor consultation and dental & ophthalmic consultations per year that reduce the extra financial burden
    • New aged benefits include unlimited e-consultation with General Physicians and Earn & Burn Reward Program to utilize your rewards point.
    • Access to health portal offers doctor on chat, healthy tips reminder, and Digi locker for medical records.
    • Optional cover available for maternity coverage
    • Cashless treatment facility in 8350+ network hospitals
    • Annual health checkup for all the insured members once in a policy year
    • Alternative treatments cover including AYUSH to quickens your recovery

    Benefits of Buying Health Insurance at an Early Age

    Reasons to Opt Health Insurance for Youth

    Health insurance plan becomes vital irrespective of age group. However, getting it in the early 20s or 30s helps you make the most out of it in the future. Care Plus – Youth Health Insurance Plan wrapped up with its below distinct benefits:

    • Offers comprehensive coverage to ensure timely treatment and financial protection during a medical emergency
    • Coverage for 6 family members under a single policy
    • Completion of the waiting period early without any health concerns
    • Cashless treatment facility at network hospitals across India
    • Hassle-free cashless and reimbursement claim settlement
    • Optional benefits to increase the policy coverage
    • New-age benefits make the journey towards healthy life easy
    • Comes with no co-payment option
    • Double/ triple coverage in 2/4 consecutive claim-free years, respectively. You can get up to a 200% increase in SI with NCB.
    • Young policyholders will get unlimited recharge even for related illness
    • Provide inflation-proof coverage every year as per CPI inflation
    • Tax benefits under section 80D of the Income Tax Act to save more

    Optional Benefits of Care Plus – Youth Health Insurance Plan

    Irrespective of age, a medical emergency can knock at the door anytime. Stay prepared with enough coverage that helps you to combat any medical crisis. Choose these add-ons covers to ensure timely treatment without any loopholes:

    Maternity & New Born Cover: If you want to start a family after two-three years, take this add-on cover to welcome your newborn worry-free. It is available only under floater combination only for female insured members with a waiting period of 24 months.

    International Second Opinion: We understand the importance of reassurance when it comes to your health. We will arrange an international second opinion with doctors outside India so that you can get satisfying results.

    Smart Select: Be smart, select smart! In this add-on, get coverage in the listed hospitals up to SI and other hospitals up to SI with an additional 20% co-payment per claim. Apart from this, with smart select, you can also avail of up to 15% discount on the base premium.

    Best Time to Buy Health Insurance Policy

    Due to rising medical inflation and cases of severe lifestyle diseases, health insurance has become a staple. There is no particular time to buy it. However, the earliest you insured yourself, the sooner you can earn the benefits of medical insurance. Attaining 20s or 30s is perfect for getting yourself insured and take care of your healthcare expenses independently. You can include your family members as well under the policy coverage. Care Plus – Youth Health Insurance Plan is available for young individuals. You can opt for a health insurance policy at a young age if you have:

    • Started earning recently and have other financial responsibilities
    • Limited sources of income yet want to keep your family protected
    • Want to opt for health insurance with a low premium
    • Corporate insurance which has a limited scope of coverage
    • Want to save more money under tax exemptions
    • Plan to start a family after sometime
    • New family members like spouse or child

    What is Included in Care Plus – Youth Health Insurance Plan?

    Our health insurance at an early age has a lot to offer. Let's take a look at what all it includes:

    • In-Patient Hospitalization- Whether an emergency or planned, we cover your in-patient hospitalization expenses to ensure timely treatment.
    • Pre and Post Hospitalization Expenses- Life-threatening diseases have prolonged treatment that includes various pre and post-hospitalization expenses. Under this plan, you will get coverage for the medical expenses that arise before 60 days and after 90 days of hospitalization.
    • Ambulance Cover- During an emergency, we cover your ambulance expenses up to Rs.2,000 per hospitalization so that these kinds of expenses won't bother your financials.
    • Air Ambulance Cover- If you need to transfer to another hospital within India, we cover your expenses for air ambulance up to SI or a maximum of 5 Lacs per policy year, whichever is lower.
    • Day Care Treatments- Under this health insurance policy at a young age, we cover several day care treatments under the policy that require hospitalization for less than 24 hours.
    • Advance Technology Methods- Advance technology like robotic surgery, balloon sinuplasty, brain simulation, etc., are also covered under the policy that keeps the surgery minimal and has fewer side effects.
    • Organ Donor Cover- Organ donation is a lifesaver. We cover medical expenses up to SI incurred by you towards your organ donor while undergoing organ transplant surgery.
    • Domiciliary Hospitalization- If medical conditions prevent you from traveling to a hospital, or if no beds are available in all the hospitals in the vicinity, you can go for domiciliary hospitalization as per the doctor's advice. We cover its expenses up to SI under a health insurance policy for young individuals.
    • Second Opinion- If you are not satisfied with your current diagnosis/ treatment, you can get a second opinion within India from good doctors without impacting your sum insured.
    • Annual Health Checkup- Keeping a check on your health is easy with us. We include annual health checkups in the policy coverage that every insured member can avail of once in a policy year.
    • Unlimited Automatic Recharge- Get automatic recharge up to SI at unlimited times, applicable for the same related illness.
    • Alternative Treatments- If you prefer alternative treatments, you can avail of AYUSH (Ayurveda, Unani, Sidha, and Homeopathy). These alternative therapies quicken the process of your recovery.
    • No Claim Bonus- We cheer for your good health and reward you with no claim bonus for every claim-free year, a maximum of up to 200% SI. No reduction in NCB in the subsequent year if total claim amount <25%.
    • OPD Coverage- OPD expenses create a financial burden. Care Plus – Youth Health Insurance Plan covers out-patient consultations/ out-patient dental and ophthalmic treatments that give ease to your pocket.
    • Personal Accident Cover(AD & PTD)- Miss happening is unfortunate. For permanent total disablement and accidental death, we cover up to 100% of SI.
    • Inflation Shield- Due to inflation, medical expenses are skyrocketing; we offer an inflation shield under the policy coverage. The base policy SI will be increased on a cumulative basis at each renewal based on the inflation rate in the previous year.
    • Unlimited E-Consultation- During this pandemic, e-consultation is a great help. You do not need to step into the hospital or clinic to visit a doctor. You can avail it unlimited times with General Physicians.
    • Earn and Burn- It is one of our new-age benefits. Earn and Burn is a wellness program that allows the customer to utilize rewards points for up to a 10% discount on renewal premium or payment of deductibles at the time of claim.
    • Health Services- Our health services include a health portal and discount connect. With a health portal, you can chat with the doctor, get healthy tips reminders, has a digital locker for medical records, etc. In discount connect you can avail of discounts on services at our network.

    *Please read the brochure and prospectus to know more about our health insurance plans cover as these may vary.

    Eligibility Criteria of Care Plus – Youth Health Insurance Plan

    It is an exclusive policy that caters to young Indians' health insurance needs. Below is its eligibility criteria:

    Age of Proposer 18 years or above
    Entry Age – Minimum Individual: 5 years (Benefit: Earn & Burn shall be available for a member of 18 years or above)
    Floater: 91 Days with at least 1 member of Age 18 years or above
    Entry Age – Maximum Adult: 35 Years
    Child: 24 Years
    Exit Age Adult: Lifelong
    Child: 25 Years
    Cover Type Individual: Maximum up to 6 Persons
    Floater: 1A1C / 1A2C / 1A3C / 1A4C / 2A / 2A1C / 2A2C / 2A3C / 2A4C
    Tenure Options 1 Year
    Premium Payment Term Single
    Who are covered (Relationship with respect to the Proposer) Self, Legally Married Spouse, Son, Daughter

    FAQs On Care Plus – Youth Health Insurance Plan

    ×

    Oops! No results found for your keyword search

    Most Frequently Asked Questions

    Q.What is the Care Plus – Youth Health Insurance Plan?

    It is our indemnity-based health insurance plan designed specifically for young individuals aged 18 to 35 years.

    Q.Can I cover my 5-year-old kid under Care Plus – Youth Health Insurance Plan?

    Yes, you can cover your 5-year-old kid under its family floater plan.

    Q.How many network hospitals that the company has tied up for the Care Plus – Youth Health Insurance Plan?

    We have tied up around 8350+ network hospitals across India for this plan.

    Q.What are the benefits under Care Plus – Youth Health Insurance Plan?

    This policy offers numerous benefits such as in-patient hospitalization, pre and post-hospitalization, daycare treatments, AYUSH cover, cashless hospitalization, and more.

    Q.Is there any criteria to buy Care Plus – Youth Health Insurance Plan?

    The age of the Proposer should be of 18 years. You can include your 91 days baby under the family floater plan.

    Q.Do I need to undergo medical tests to enroll my children for this policy?

    No pre-policy medical checkup is required for enrolment. However, we may ask the insured person to undergo tele-underwriting, which may include specific tests.

    Q.Is there any tax exemption under Care Plus – Youth Health Insurance Plan?

    Under section 80D of the Income Tax Act of India 1961, the premium paid for this policy gets tax exemption.

    Q.Do I need Care Plus – Youth Health Insurance Plan if everyone is healthy in my family?

    Medical emergency can knock anytime. Most health insurance plans have a long waiting period, especially for pre-existing diseases; that's why it is vital to have Care Plus – Youth Health Insurance Plan at an early age to keep your family secured.

    Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
    *Claim Settlement Ratio is for FY 19-20 and number of claims settled till February 2022.
    ^^Number of Cashless Healthcare Providers till 25th March 2022
    **Includes 10% renewal discount plus 5% digital discount applicable as per policy terms.

    Care Plus - Health Insurance Plan for Youth Complete Plan Details

    Reach out to us
    Whatsapp 8860402452

    GET FREE QUOTE

    +91
    verified
    mgpixce