Youth Health Insurance Plan

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: