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Health Insurance At An Early Age

Youth Health Insurance Plan

Youth Health Insurance is one of the promising health insurance 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.

  • 5% Digital Discount on Buying a Policy through our Online Portal
  • An Early Bird Discount for Customers Buying a Policy at age<=35 Years
  • Earn & Burn Wellness Program that Redeems Reward Points
  • No Claim Bonus for every Claim-Free year
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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, a 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. Medical insurance for young adults 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

Youth insurance offers a whole lot when it comes to coverage for youngsters. You can rest assured that it is a comprehensive health insurance policy with the following 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 reduces 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 9400+ network hospitals
  • Annual health checkup for all the insured members once in a policy year
  • Alternative treatments cover including AYUSH to quicken your recovery
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Look for best health plan that suits your need!

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Care Plus - Youth Health Insurance

Inflation-Proof Health Plan to Protect Your Youth & Adulthood

  • Early Bird Renewal  Discount of 10% after 40
  • New Age Benefits & Unlimited E-consultations 
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The Complete Health Insurance Plan

Specially Tailored Plan for 36 and Above with No Co-pay Clause

  • Wide Range of Sum Insured from 3-25 Lakhs
  • NCB for Every Claim Free Year Up to 200% on SI
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Family Health Insurance

Health Insurance that Covers your Loved Ones

  • Annual Health Checkup & Save Tax 
  • Modern Treatments Coverage

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 best health insurance for young people in the early 20s or 30s helps you make the most out of it in the future. Read Care Plus –  Health Insurance for Youth Plan details with its below distinct benefits:

  • Offers comprehensive coverage to ensure timely treatment and financial protection during a medical emergency
  • This policy is also available in a family floater option, providing coverage for up to 6 family members under the same 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 eas
  • 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-on 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.The treatment process for coronavirus may include extended hospitalisation, which usually incurs heavy costs. This makes it imperative to have a comprehensive health insurance cover to ensure that your finances remain secure during these challenging times.This option is usually more economical, as the amount for the add-on cover is generally lower than the premium amount for a separate maternity insurance plan. 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 taking care of your healthcare expenses independently. You can include your family members as well under the policy coverage. Care Plus – Health Insurance for youth 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 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 including 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 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 Hospitalization- 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 hospitalization 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 to 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.

Eligibility Criteria of Care Plus – Youth Health Insurance Plan

It is an exclusive policy that caters to young Indians' health insurance needs. Below are 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 is covered (Relationship with respect to the Proposer) Self, Legally Married Spouse, Son, Daughter

Voice Of Customer

Ammy Fernandes December 01, 2023
Careplus Youth


I bought this plan a year ago and got hospitalised due to typhoid. My claim got rejected on the basis of kidney stone as I didnt disclose earlier in the policy. I didnt ever know I had a kidney stone until I got hospitalised for typhoid. It is not fair.
Mayank Kursija December 01, 2023
Careplus Youth

Nice plan for youngsters

Best plan for youngsters with so many benefits at less cost. Really liked it
Rajiv Chopra December 01, 2023
Careplus Youth

Fast service

When my Family Member admitted in hospital with in 30 minutes cashless claim got processed and patient got discharged on time.
Harsh Saxena December 01, 2023
Careplus Youth

Exclusive plan for youngsters

I got this plan for my son who has turned 18 years old this year. I am glad I found this plan for him as it has maximum benefits at affordable premium.
Kanika Chhabra December 01, 2023
Careplus Youth

Less premium more services

I had star health insurance before but i did portability in this plan. This plan premium is less than star insurance. Thank you
Rahul Sangwan

My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

Rahul Sangwan

Health Insurance

Samanway Barik

We will continue to avail of your scheme

I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

Samanway Barik

Health Insurance

Soubhagya K Kulkarni

Everything went very smooth

Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

Soubhagya K Kulkarni

Health Insurance

Vaibhav Rai

Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

Vaibhav Rai

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 (CHI) 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.


Awarded as Best
Health Insurance Company of the year^


48 LAKH+ Claims Settled*



^India Insurance Summit & Awards 2023

FAQs On Youth Health Insurance Plan

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

Health Insurance for youth 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 health Insurance for Youth 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 9400+ network hospitals across India for this plan.

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

Health Insurance for youth 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 for buying Care Plus – Health Insurance for Youth?

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

ater plan.

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

A 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 – Health Insurance for Youth Plan at an early age to keep your family secure.

Disclaimer: The information above is just for reference. Kindly read the T & C of the policy thoroughly. Do refer to IRDAI guidelines for tax exemption conditions.

~Tax benefit is subject to changes in tax laws. Standard T&C Apply

**Number of Claims Settled as of 31st March 2024

^10% discount is applicable for a 3-year policy

^^Number of Cashless Healthcare Providers as of 31st March 2024

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