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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
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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 their age. Moreover, due to the pandemic situations, medical inflation is rising in India, and healthcare costs are turning into out-of-pocket expenses, especially when you have a family to feed. On the other side, 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 cover. This health insurance comes with unlimited recharge, even for related illnesses. Moreover, you can avail of a 5% digital discount if you buy a policy through our portal.

    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.

    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 the customers entering at age<36 years.
    • No claim bonus protect for every claim-free year . 50% increase in SI per for every claim-free year; maximum up to 200% SI.
    • No reduction in NCB in the subsequent year if total claim amount <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 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.
    • Cashless hospitalization facility in 8350+ network hospitals.
    • Annual health checkup for all the insured members once in a policy year.
    • Alternative treatments cover including AYUSH for a speedy recovery.

    Benefits of Buying Health Insurance Early

    Health insurance is vital irrespective of age group. However, getting health insurance with no upper age limit early helps you make the most out of it when you actually need it. 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
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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
    Preffered
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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 
    Preffered
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    Family & Individual Health Insurance

    Health Insurance that Covers your Loved Ones

    • Annual Health Checkup & Save Tax 
    • Modern Treatments Coverage

    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. So, if you are looking for health insurance at 36 years of age 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

    What is Included in Care Plus- The Complete Health insurance Plan?

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

    • Digital Discount- Our digital presence helps you to avail 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 hospitalization, which is 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 that can drain your savings. Under this plan, you will get coverage for the medical expenses incurred 60 days before hospitalization and 90 days after discharge from the hospital.
    • Ambulance Cover- During an emergency, we cover your ambulance expenses up to Rs.2,000 per hospitalization 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 day care treatments that do not require hospitalization for 24 hours.
    • Advance 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 incurred by you 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 in your vicinity, you can go for domiciliary hospitalization 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 in a policy 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 is applicable for related illnesses.
    • Alternative Treatments- If you prefer the combination of conventional and contemporary treatments, you can go for AYUSH (Ayurveda, Unani, Sidha, 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, which is a big 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 is rising in India, healthcare costs are getting 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 offered by Care Plus- The Complete Health insurance Plan. It is a wellness program that allows you to utilize rewards points for up to a 10% discount on renewal premium 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 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-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 

    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 designed for individuals age 36 years or above with no upper age limit.

    Q. What is the minimum age limit for the Care Plus - The Complete Health insurance Plan?

    You can include your 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 Maximum Entry Age under Care Plus - The Complete Health insurance Plan?

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

    Q.How many network hospitals that the company has 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 hospitalization, pre and post-hospitalization, daycare treatments, AYUSH cover, cashless hospitalization, 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 person to undergo tele-underwriting, which may include 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, if you have aging parents in your family, you can consider our Care Senior. On the other hand, if you have any past medical history of diabetes, hypertension, 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?

    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.

    Q.Does Care Plus - The Complete Health insurance Plan allows cashless benefit?

    Yes, you can avail of a hassle-free cashless hospitalization facility at our network hospitals across the country.

    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

    *Claim Settlement Ratio is for FY 19-20 and number of claims settled till February 2022.

    ^^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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