Youth Health Insurance Plan

Why Young Adults Need Health Insurance

While you may not plan for medical emergencies when you're young, they can still happen. A sudden hospitalisation, accident, or health issue can cost more than expected and instantly disrupt your finances.

Here’s why having health insurance early makes sense:

• Protecting your routine from sudden hospitalisation: Health insurance covers hospital bills and treatment costs without draining your savings.
• Encouraging early care and faster recovery: Coverage for consultations, tests, and treatment helps you seek care early and recover faster.
• Ensuring continuous cover despite job changes: A personal health policy keeps you continuously covered, independent of your employer.
• Staying ahead of rising healthcare costs: Buying early helps you stay ahead of medical inflation at a lower premium.
• Gaining long-term value from your policy: Early entry rewards you with benefits like No Claim Bonus and increasing coverage over time.
• Maximising tax efficiency: Premiums paid are eligible for tax benefits under Section 80D, as applicable.

Youth health insurance isn’t about expecting illness; it’s about being prepared—early, affordably, and on your own terms.

Care Health Insurance brings Care Plus – Youth Health Insurance Plan, which 

With Health Insurance vs Without Health Insurance

Compare how health insurance for youth helps you stay financially prepared versus managing medical costs on your own.

With Health Insurance	Without Health Insurance
Hospital costs don’t affect your savings	Medical bills are paid from your pocket
Cashless treatment during emergencies	Upfront payments during treatment
Doctor visits without worrying about costs	Delayed treatment to avoid expenses
Coverage continues despite job changes	Coverage depends on employer benefits
Lower premiums when you start early	Higher costs when you buy later

Select from the Best Youth Health Insurance Plan

Care Plus - Youth

Inflation-Proof Health Plan to Protect Your Youth & Adulthood

• Multiple SI ranging from 3L-25L
• Unlimited Automatic Recharge

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Care Supreme

Ideal for families looking for capless coverage

• 500% Boost in Coverage in 5 Years
• Unlimited Automatic Recharge

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Why Care Plus Health Plan Works for Young Adults

With early careers, long workdays, changing cities, and evolving priorities, your life moves fast in your 20s and early 30s.

Care Plus is designed for this phase, offering health coverage that supports you today while quietly building long-term value. With entry allowed up to 35 years, it rewards those who choose to get covered early.

Take a look at the features of health insurance for young adults-

How Care Plus Supports You at Every Stage

Managing everyday health needs: OPD benefits cover doctor consultations, dental and eye care, so routine health concerns don’t turn into avoidable delays or extra expenses.

Staying protected during unexpected medical situations: Coverage from ₹3 lakh to ₹25 lakh, along with Unlimited Automatic Recharge, ensures your protection continues even after a claim during the policy year.

• Planning ahead: Maternity cover secures your spouse. Also, the Inflation Shield helps your coverage keep pace with increasing medical expenses, so your protection remains relevant over time.
• Rewards for staying claim-free: Claim-free years can earn No Claim Bonus and reward points (usable for health services, renewal premiums, and eligible medical expenses). Plus, you get a 10% renewal discount after 40 years of age, as per policy terms.
• Financial protection in case of accidents: Personal Accident cover up to 100% of the Sum Insured provides support in case of accidental death or permanent total disablement.
• Cashless care across India: With 21,700+ network hospitals, Care Plus offers cashless treatment nationwide, along with annual health check-ups to support preventive care.
• Adaptability for changing responsibilities: Choose Individual or Family Floater cover, with AYUSH treatments included, as per policy terms.

Care Plus is built for where you are today and where you’re headed next.

What is Covered in Health Insurance for Young Adults

 Our health insurance for young adults is designed to support you before, during, and after treatment, without overwhelming you.

If Hospitalisation Becomes Necessary

Covers planned and emergency hospitalisation, including day care procedures and advanced treatments, as per policy terms.

If treatment is advised at home, domiciliary hospitalisation ensures continued support.

Pre- and Post-Treatment Costs

Covers pre-hospitalisation expenses (up to 60 days) and post-hospitalisation expenses (up to 90 days) for tests, medicines, and follow-up care.

In an Emergency

Includes ambulance cover up to ₹2,000 per hospitalisation and air ambulance services within India up to the Sum Insured or ₹5 lakh per policy year, whichever is lower, as per policy terms.

If Recovery Needs Extra Care

Covers organ donor expenses, supports second medical opinions within India, and includes AYUSH treatments to aid recovery, as per policy terms.

Ongoing Health Support

Offers unlimited e-consultations and a digital health portal with medical records storage, health reminders, and service discounts.

You also earn reward points that can be used for up to 10% discount on renewal premium or adjusted at claim time, as per policy terms.

Optional Benefits of Health Insurance for Young Adults

Upgrade your plan with add-ons based on your life goals and preferences:

Maternity & Newborn Cover

Planning a family in the next few years? This add-on helps you stay financially prepared for maternity-related expenses (available under floater combination for female insured members with a waiting period of 24 months, as per policy terms).

International Second Opinion

Get reassurance from medical experts outside India so you can make confident treatment decisions.

Smart Select

Get coverage at listed hospitals up to Sum Insured and at other hospitals with an additional co-payment per claim, plus enjoy up to 15% discount on base premium (as per policy terms).

What is Included in the Youth Health Insurance Plan?

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

• In-Patient Hospitalisation - Whether an emergency or planned, we cover your in-patient hospitalization expenses to ensure timely treatment.
• Pre and Post Hospitalisation Expenses- Life-threatening diseases have prolonged treatment including various pre and post-Hospitalisation  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 hospitalisation so that these kinds of expenses won't bother your finances.
• 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 daycare treatments under the policy that require hospitalization for less than 24 hours.
• Advanced 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 Hospitalisation - If medical conditions prevent you from travelling to a hospital, or if no beds are available in all the hospitals in the vicinity, you can go for domiciliary hospitalisation as per the doctor's advice. We cover its expenses up to SI under a health insurance policy for 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 a no-claim bonus for every claim-free year, a maximum of up to 200% SI. No reduction in NCB in the subsequent year if the total claim amount <25%.
• OPD Coverage- OPD expenses create a financial burden. Care Plus – Health Insurance for youth Plan covers out-patient consultations/ out-patient dental and ophthalmic treatments that ease your pocket.
• Personal Accident Cover(AD & PTD)- Miss happening is unfortunate. We cover up to 100% of SI for permanent total disablement and accidental death.
• 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 tip reminders, have a digital medical record locker, etc. You can avail of discounts on services at our network in discount connect.

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

Policy Eligibility & Plan Details

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

How to Buy the Care Plus Health Insurance Plan for Adults

• Get a quote: Enter your mobile number (in the beginning of the page) and click on Calculate Premium.
• Add insured details:  Select individual or family floater, enter age details, and your PIN code.
• Customise coverage: Choose your Sum Insured, policy tenure, and add-ons if required.
• Complete details & pay: Fill in proposer and KYC details, then pay securely (card, net banking, wallet, or EMI).
• Get instant policy: Receive your policy number and e-card instantly on your registered mobile number.

Secure your future with these valuable benefits today.

Know more about Care Plus Youth Health Insurance plan.

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