Health Insurance with No Upper Age Limit

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.