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Health Insurance With No Upper Age Limit

Health Insurance with No Upper Age Limit

Health Insurance with no upper age limit is exclusively designed for individuals aged 36 or above. The policy offers comprehensive inflation-proof coverage with no co-payment clause and keeps you safe against a medical crisis.

  • 5% Digital Discount when you buy through our Online Portal
  • No Claim Bonus for every Claim-Free Year
  • New-age benefits such as Unlimited E-consultation, Earn & Burn Rewards
Cashless Healthcare Providers^^
38 Lakh+
Insurance Claims Settled**
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Why Should You Buy Health Insurance Before You Turn 40?

It's never too late to opt for a health insurance policy. It secures you and your family from health worries. But the sooner you get it, the earlier you can reap its benefits. Increasing pollution, sedentary lifestyle, work stress, or bad eating habits make people more vulnerable to various chronic diseases regardless of age. Moreover, due to the pandemic, medical inflation is rising in India, and healthcare costs are becoming out-of-pocket expenses, especially when you have a family to feed. Conversely, most health insurance plans have a long waiting period, especially for pre-existing diseases.

Therefore, investing in health insurance later in your 30s or early 40s is needed. It helps people to avoid hefty hospital bills and stay healthy. Care Health Insurance brings Care Plus- The Complete Health Insurance Plan designed for individuals with no upper age limit. The policy offers comprehensive inflation-proof coverage with no co-payment clause. It also reduces your extra medical expenses with OPD coverage. This health insurance comes with unlimited recharge, even for related illnesses. Moreover, you can get a 5% digital discount if you buy a policy through our portal. So, checking the health insurance age limit in India before buying is always recommended, as it saves you from unnecessary hassle in the future.

Additionally, its new-age benefits like unlimited e-consultation with General Physicians, Earn & Burn Reward program, and a health portal with Digi locker take care of your healthcare needs. Thus, considering rising inflation a modern-day reality and health safety in mind, it is wise to opt for this policy as early as possible and earn its benefits later in life. Getting this health insurance with no upper age limit offers you multiple benefits and rewards so that you can keep yourself and your family secured and protected lifelong.

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

It is health insurance with no upper age limit that is beneficial. Let's look at what it includes:

Digital Discount- Our digital presence helps you avail of a special 5% discount if you buy this health insurance online through our portal. It reduces your premium, which gives ease to your pocket.

In-Patient Hospitalization- We cover your in-patient hospitalisation for at least 24 hours. The policy coverage includes doctor's fees, ICU charges, OT charges, room charges, nursing expenses, etc., to ensure stress-free treatment.

Pre and Post-Hospitalization Expenses- At times, investigation tests, consultation fees, and medication cost you extra, which can drain 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 that these additional expenses won't create an extra financial burden.

Air Ambulance Cover- If you need to shift to another hospital within India as per the doctor's advice, 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 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. We covered them, too, 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 Hospitalization- 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 for you within India from good doctors, which will not impact your sum insured.

Annual Health Checkup- Now, you can keep track of your health with an annual health checkup available under the policy coverage once a year. This benefit is available for all the insured members.

Unlimited Automatic Recharge- Automatic recharge is available up to SI at unlimited times. Moreover, it applies to related illnesses.

Alternative Treatments- If you prefer combining conventional and contemporary treatments, you can go for AYUSH (Ayurveda, Unani, Siddha, and Homeopathy). These alternative therapies quicken the process of your recovery.

No Claim Bonus- We reward you with no claim bonus for your good health. You can avail of a no-claim bonus for every claim-free year, a maximum of up to 200% SI. Moreover, you will get inflation-proof coverage with no reduction in NCB in the subsequent year if the total claim amount <25%.

OPD Coverage- OPD expenses, such as diagnosis, consultation, etc., also create a financial burden. But do not worry! Care Plus- The Complete Health Insurance Plan covers out-patient consultations/ out-patient dental and ophthalmic treatments, a sigh of relief.

Personal Accident Cover(AD & PTD)- You cannot predict the uncertainties of life. However, you can stay insured and protected. This plan covers permanent total disablement 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 on a cumulative basis at each renewal based on the inflation rate in the previous year.

Unlimited E-Consultation- Now get unlimited e-consultation with General Physicians under this policy. It is bliss during a pandemic. You do not need to go to the hospital or clinic to visit a doctor for consultation.

Earn and Burn- Earn and Burn is one of the new-age 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 reminders, and has a digital locker for medical records. Under discount connect, you can avail of service discounts at our network.

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Look for best health plan that suits your need!

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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
Product Image
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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Family Health Insurance

Health Insurance that Covers your Loved Ones

  • Annual Health Checkup & Save Tax 
  • Modern Treatments Coverage

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

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

  • Any item, condition or treatment specified in the list of Non-Medical Items.
  • Taking part or is supposed to participate in a naval, military, air force operation or aviation in a professional or semi-professional 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, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea 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 treatments, procedures or supplies that lack significant medical documentation to support their effectiveness.

For a complete list of exclusions and health insurance age limit, please refer to policy TnC

*Please read the brochure and prospectus to know more about our health insurance plans, which may vary.

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 below prominent features:

  • Available on an individual and family floater basis.
  • Wide range of sum insured ranges from Rs 3 lakhs to Rs 25 lakhs.
  • 10% Renewal Discount is available after 40 years of age. It is available for customers entering at age<36 years.
  • No claim bonus protection for every claim-free year. 50% increase in SI per every claim-free year; maximum up to 200% SI.
  • No reduction in NCB in the subsequent year if the total claim amount is <25% of base SI in a policy year.
  • Inflation shield makes your policy SI inflation-proof.
  • Protection against personal accident coverage up to SI for the primary insured member.
  • Coverage for OPD expenses that reduce the extra financial burden.
  • New-aged benefits include unlimited e-consultation with General Physicians and the Earn & Burn Reward Program to utilise your rewards points.
  • Access to health portal offers doctor on chat, healthy tips reminder, and Digi locker for medical records.
  • Cashless hospitalization facility in 8350+ network hospitals.
  • Annual health checkup for all the insured members once a policy year.
  • Alternative treatments cover including AYUSH for a speedy recovery.

Benefits of Buying Health Insurance With No Upper Age Limit

Health insurance is vital irrespective of age group. 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 below distinct benefits:

  • Offers extensive coverage to you and your family during a medical emergency
  • Coverage for 6 family members is available under a single policy
  • Completion of the long waiting period early without any health concerns in case of pre-existing diseases
  • Cashless treatment facility in leading network hospitals across India
  • Quick and hassle-free claim settlement
  • Optional benefits to enhance the policy coverage
  • New-age benefits help to keep track of your health
  • Get unlimited recharge even for related illness
  • Provide inflation-proof coverage every year as per 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 Health Insurance Policy

Health insurance is no more 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 below crucial reasons:

  • Have a family and 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 avail tax benefits and save more money
  • Planning for a second child after sometime

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:

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: 36 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 

Voice Of Customer

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^


38 Lakh+ Claims Settled*



^India Insurance Summit & Awards 2023

FAQs On Health Insurance with No Upper Age Limit

Q. What is the Care Plus- The Complete Health insurance Plan?

It is an indemnity-based health insurance plan for individuals aged 36 years or above with no upper age limit.

Q. What is the age limit for health insurance?

Health insurance age slabs are– children as young as 91 days up to 24 years on a family floater basis under the Care Plus health plan. The age of the proposer should be 18 years.

Q. What is the maximum age for health insurance under Care Plus - The Complete Health Insurance Plan?

This health insurance plan is available with no upper age limit.

Q. How many network hospitals has the company tied up for Care Plus - The Complete Health Insurance Plan?

We have tied up around 8350+ network hospitals across India for this plan.

Q. What are the benefits of the Care Plus - The Complete Health Insurance Plan?

It offers various benefits such as in-patient hospitalisation, pre and post-hospitalization, daycare treatments, AYUSH cover, cashless hospitalisation, and more, with a special 5% discount if you opt for it online.

Q. Do I need to undergo medical tests to buy this policy?

No pre-policy medical checkup is required to buy this policy. However, we may ask the insured to undergo tele-underwriting, including specific tests.

Q. Is there any tax exemption under Care Plus - The Complete Health Insurance 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 a separate health insurance plan, even if I have a Care Plus - The Complete Health insurance Plan?

It is a comprehensive health insurance plan for individuals and their families. However, you can consider our Care Senior if you have ageing parents. On the other hand, if you have a history of diabetes, hypertension, or High BMI, opt for our Care Freedom.

Q. Do I need Care Plus - The Complete Health Insurance Plan if everyone is healthy in my family?

A health emergency can hit anytime, irrespective of age. Also, most health insurance plans have a long waiting period, especially for pre-existing diseases; that's why it is wise to get this plan as early as possible to avail its benefits timely.

Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.

#It is available for the customers entering at age<36 years and has Care Plus- Youth Health Insurance Plan

**Number of Claims Settled as of 31st May 2023

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

^^Number of Cashless Healthcare Providers till 25th March 2022

##Price mentioned is for an adult aged 36 years old with a sum insured of 5 lac for a year.

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