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Base Cover
Additional Covers
KEY BENEFITS
ADDITIONAL COVERS
EARLY BIRD DISCOUNT
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
INPATIENT CARE
If you are admitted to a hospital for in-patient care which should be medically necessary, for a minimum period of 24 consecutive hours, we will pay, maximum up to sum insured
DAY CARE TREATMENTS
Hospitalization involving less than 24 hours - some surgeries don't require or need not necessarily require hospitalization stay for minimum 24 hours
AMBULANCE COVER
Up to Rs.2000 per hospitaliztion payable if advised by treating medical practioner.
International Second Opinion
Any illness demands the right diagnosis and medical attention. Hence before going ahead for major illness/injury treatment, we can help arrange a second opinion from a medical practitioner outside India.
Maternity and New Born Cover
Add this optional benefit to cover Maternity related expenses after a wait period of 2 Years.
Smart Select
Get 15% discount by restricting treatment on a specially created smart select network hospitals
Copyright. Care Health Insurance(formerly known as Religare Health Insurance Company Limited).
Cover Highlights
Features of Care Plus - Youth Health Insurance Plan ![]() |
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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
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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.
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Upto SI | Upto SI | Upto SI |
Advance Technology Methods
Coverage for hospitalization expenses incurred on treatment through specified advance technology
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Upto SI | Upto SI | Upto SI |
Out-patient Consultations
Coverage for medical expenses incurred on medical consultations and prescribed medication availed without getting hospitalized
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- | 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
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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
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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
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Personal Accident Cover (AD & PTD)
Personal accident plan with accidental death cover for family and permananent disablement cover for specified disablity suffered
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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.
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Unlimited E-Consultation
Avail unlimited teleconsultations with empaneled doctors 24-7 using live video and voice call
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Earn and Burn
Wellness program that rewards you for staying healthy with redeemable Earn and Burn points as per annexure V.
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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 .
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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.
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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.
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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
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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
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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.
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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.
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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.
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Upto SI | Upto SI | Upto SI |
Early Bird Discount
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
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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.
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:
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:
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.
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:
Our health insurance at an early age has a lot to offer. Let's take a look at what all it includes:
*Please read the brochure and prospectus to know more about our health insurance plans cover as these may vary.
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 |
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Most Frequently Asked Questions
It is our indemnity-based health insurance plan designed specifically for young individuals aged 18 to 35 years.
Yes, you can cover your 5-year-old kid under its family floater plan.
We have tied up around 8350+ network hospitals across India for this plan.
This policy offers numerous benefits such as in-patient hospitalization, pre and post-hospitalization, daycare treatments, AYUSH cover, cashless hospitalization, and more.
The age of the Proposer should be of 18 years. You can include your 91 days baby under the family floater plan.
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.
Under section 80D of the Income Tax Act of India 1961, the premium paid for this policy gets tax exemption.
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
Care Plus - Health Insurance Plan for Youth Complete Plan Details
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