Health Insurance with No Upper Age Limit

Why Should You Buy Health Insurance Before You Turn 40?

Securing health insurance before you turn 40 is a onetime investment giving you longterm financial and health benefits. While you can buy a policy at any age, enrolling sooner lets you receive more exhaustive coverage at a lower cost. Here’s a breakdown of why early enrollment is crucial:

• Lower Premiums When You’re Younger: Health insurance premiums vary based on the applicant's age and preexisting conditions. You’ll be comparatively healthier in your 20s and 30s than in your 40s. Therefore, you’d be able to secure medical coverage at lower premiums and get comprehensive coverage.
• Rising Lifestyle Diseases: A sedentary lifestyle, longer working hours, poor sleep cycle, and unhealthy eating habits have contributed to a significant rise in lifestyle diseases such as diabetes, hypertension and obesity, especially among young adults. Securing early medical coverage ensures you remain financially protected if health issues arise later.
• Financial Protection Against Medical Inflation: Healthcare costs in India have been increasing every year, especially since the pandemic. Even a single doctor's consultation at the private hospital can cost up to ₹2000. Securing health insurance at a younger age ensures that you’re financially protected against hefty medical bills.
• Completion of Waiting Periods at the Right Time: Most health insurance policies include waiting periods for maternity benefits and preexisting diseases. Buying health insurance at an early age ensures these waiting periods are completed long before you require coverage.
• Better Financial Security for Your Family: As responsibilities grow, the burden of unexpected medical expenses can become overwhelming. With ageing parents, children's responsibilities, and a spouse, having health insurance ensures your hard earned money doesn't go towards hefty medical bills.

Features of Care Plus The Complete Health Insurance Plan

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

• Available under individual and family health insurance plans.
• The sum insured ranges from Rs 3 lakhs to Rs 25 lakhs.
• A 10% Renewal Discount is available after age 40. It is available to customers aged < 36 years.
• No claim bonus protection for every claimfree year. 50% increase in SI per every claimfree year; maximum up to 200% SI.
• No reduction in NCB in the subsequent year if the total claim amount is <25% of the base SI in a policy year.
• An inflation shield makes your policy SI inflationproof.
• Personal accident coverage up to SI for the primary insured member.
• Coverage for OPD expenses reduces the extra financial burden.
• Newage benefits include unlimited econsultations with General Physicians and the Earn & Burn Reward Program to utilise your reward points.
• Access to the health portal offers doctoronchat, healthy tips reminders, and Digi locker for medical records.
• Cashless hospitalisation facility in 11400+ network hospitals.
• Annual health checkup for all the insured members once a policy year.
• Alternative treatments include AYUSH for a speedy recovery.

What is Covered Under Care Plus The Complete Health Insurance Plan?

This health insurance plan with no upper age limit offers numerous benefits. It includes:

• Digital Discount: Our digital presence offers a special 5% discount when you buy this health insurance online through our portal. It reduces your premium, which saves you money.
• In-Patient Hospitalisation: We cover your inpatient hospitalisation for at least 24 hours. The policy coverage includes doctors' fees, ICU, OT, and room charges, as well as nursing expenses, to ensure a stressfree treatment experience.
• Pre and Post Hospitalisation Expenses:  At times, investigation tests, consultation fees, and medication can cost you extra, draining your savings. Under this plan, you will get coverage for the medical expenses incurred 60 days before hospitalisation and 90 days after discharge.
• Ambulance Cover:  During an emergency, we cover your ambulance expenses up to Rs. 2,000 per hospitalisation, so these additional expenses don't create an extra financial burden.
• Air Ambulance Cover:  If you need to be transferred to another hospital within India as per the doctor's advice, we cover your air ambulance expenses up to SI or up to 5 Lacs per policy year, whichever is lower.
• Day Care Treatments: Under a health insurance policy with no upper age limit, we cover several daycare treatments that do not require hospitalisation for 24 hours.
• Advanced Technology Methods: Robotic surgery, balloon sinuplasty, brain simulation, and more are the advanced technology methods with minimally invasive surgeries and fewer side effects. These are also covered under the policy.
• Organ Donor Cover: Organ donation is a noble cause. We cover medical expenses up to SI you incur towards your organ donor while undergoing organ transplant surgery.
• Domiciliary Hospitalisation: If your medical conditions do not allow you to visit the hospital, or if no beds are available, you can go for domiciliary hospitalisation as per the doctor's advice. We cover its expenses up to SI.
• Second Opinion:If you want reassurance about your treatment or diagnosis, we arrange a second opinion from qualified doctors in India, which will not affect your sum insured.
• Annual Health Checkup:  Keep track of your health with an annual checkup included in the policy. This benefit is available for all the insured members.
• Unlimited Automatic Recharge: Automatic recharge is available up to SI an unlimited number of times, and it also applies to related illnesses.
• Alternative Treatments: If you prefer combining conventional and contemporary treatments, you can go for AYUSH (Ayurveda, Unani, Siddha, and Homoeopathy). These alternative therapies accelerate your recovery.
• No Claim Bonus:  We reward you with a noclaim bonus for your good health. You can avail of a noclaim bonus for every claimfree year, a maximum of up to 200% SI. Moreover, you will get inflationproof coverage with no reduction in NCB the following year if the total claim amount is <25%.
• OPD Coverage: OPD expenses, such as diagnosis, consultation, etc., also create a financial burden. Care Plus The Complete Health Insurance Plan covers outpatient consultations/ outpatient dental and ophthalmic treatments.
• Personal Accident Cover(AD & PTD):This plan covers permanent total disability and accidental death, up to 100% of SI.
• Inflation Shield: As medical inflation rises in India, healthcare costs are becoming unaffordable for many. Under this inflation shield, the base policy SI will be increased cumulatively at each renewal based on the inflation rate in the previous year.
• Unlimited E-Consultation: Get unlimited econsultation with general physicians under this policy. You do not need to go to the hospital or a clinic to see a doctor for a consultation.
• Earn and Burn: Earn and Burn is one of the newage benefits of Care Plus The Complete Health Insurance Plan. This wellness program allows you to utilise rewards points for up to a 10% discount on renewal premiums or payment of deductibles at the time of claim.
• Health Services: Health portal and discount connect are the two prominent health services available under this plan. The health portal gives you access to chat with the doctor, get healthy tips and reminders, and has a digital locker for medical records. Under Discount Connect, you can avail of service discounts at our network.

What is Not Covered Under Care Plus The Complete Health Insurance Plan?

One should always be careful when buying a health insurance policy and know the age limit and other exclusions:

• Any item, condition or treatment specified in the list of NonMedical Items.
• Taking part or is supposed to participate in a naval, military, air force operation or aviation in a professional or semiprofessional nature.
• Expenses related to any admission, primarily for diagnostics and evaluation purposes, are excluded.
• Expenses related to any treatment, including surgical management, reassigning the bodily features to those of the opposite sex.
• Expenses for cosmetic or plastic surgery or any treatment to change appearance, unless for reconstruction following an Accident, Burn(s) or Cancer or as part of the medically necessary treatment to remove a direct and immediate health risk to the insured.
• Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to, parajumping, rock climbing, mountaineering, rafting, motor racing, horse racing, scuba diving, hang gliding, sky diving, and deepsea diving.
• Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.
• Expenses related to unproven treatment, services and supplies for or in connection with any treatment. Unproven treatments are procedures, supplies, or treatments that lack significant medical documentation supporting their effectiveness.

To get a better understanding, always read the complete list of exclusions and health insurance age limit.

Benefits of Buying Health Insurance With No Upper Age Limit

Health insurance is vital regardless of age. However, checking the medical insurance age limit beforehand helps you maximise it when needed. Care Plus The Complete Health Insurance Plan wrapped up with its distinct benefits:

• Offers extensive coverage to you and your family during a medical emergency.
• Coverage for six family members is available under a single policy.
• Completion of the long waiting period early, without any health concerns in case of preexisting diseases.
• Cashless treatment facility in leading network hospitals across India.
• Quick and hasslefree claim settlement.
• Optional benefits to enhance the policy coverage.
• Newage benefits help to keep track of your health.
• Get unlimited recharge even for related illnesses.
• Provide inflationproof coverage each year based on CPI inflation. Whereas the SI always keeps pace with CPI Inflation.
• Avail tax benefits under section 80D of the Income Tax Act and save your health and wealth both.

Best Time to Buy a Health Insurance Policy

Health insurance is no longer an option but a necessity. There is no particular time to buy it; however, the sooner, the better. One must be aware of the age slab for health insurance while choosing.

So, if you are looking for health insurance at 36 or above, Care Plus The Complete Health Insurance Plan is the right choice. Moreover, you can opt for this health insurance policy with no upper age limit for the following crucial reasons:

• Have a family and other financial responsibilities.
• Limited sources of income, yet you 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 avail tax benefits and save more money.
• Planning for a second child after some time.

Eligibility Criteria of Care Plus: The Complete Health Insurance Plan

This plan is a perfect blend of health insurance and care. Below is its eligibility criteria: