Health Insurance with No Upper Age Limit

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.