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A tailor-made health insurance plan with no upper age limit and no co-payment clause for individuals aged 36 or above.
Introduced by Care Health Insurance, Care Plus is a complete health insurance plan designed for individuals with no upper age limit. Investing in health insurance in your 30s or early 40s is the most indispensable investment that you must not ignore. It helps people to avoid hefty hospital bills and stay fit during the most crucial years of their life. Thus, considering rising inflation and health safety in mind, it is wise to opt for this policy as early as possible. The policy offers comprehensive inflation-proof coverage with no co-payment clause. It also reduces your extra medical expenses with OPD cover and comes with unlimited recharge, even for related illnesses.
Furthermore, its new-age benefits like unlimited e-consultation with General Physicians, an Earn & Burn Reward program, and a health portal to take care of your healthcare needs.
Care Health Insurance brings Care Plus- The Complete Health insurance Plan.
Cover highlights
Advance Technology
Methods
No Claim Bonus
Protect
Out Patient Dental and
Ophthalmic Treatments
Personal Accident
Cover
Unlimited
E-Consultation
| KEY FEATURES | ₹3L | ₹5L / 7L | ₹ 10L / 25L |
|---|---|---|---|
| In-Patient Hospitalization
Coverage for expenses incurred for treatment that requires you to stay hospitalized for more than 24 hours. It includes expenses on – room charges, nursing expenses and intensive care unit charges, surgeon's fee, doctor's fee, anaesthesia, blood, oxygen, operation theatre charges, etc
|
Upto SI | Upto SI | Upto SI |
| Day Care Treatment
Refers to treatment that requires less than 24 hours of hospitalisation. We covers 541 such treatments. Some of the examples are treatment of Cataract, Chemotherapy or Dialysis etc.
|
Upto SI | Upto SI | Upto SI |
| Advance Technology Methods
Coverage for hospitalization expenses incurred on treatment through specified advance technology
|
Upto SI | Upto SI | Upto SI |
| Out-patient Consultations
Coverage for medical expenses incurred on medical consultations and prescribed medication availed without getting hospitalized
|
- | Up to Rs.1,500 Limit per consultation is Rs.350/- |
Up to Rs.2,500 Limit per consultation is Rs.350/- |
| Out-patient Dental and Ophthalmic Treatments
1.Coverage for medical expenses incurred for specified out-patient dental consultation/services provided by a licenced dentist .
2. Coverage for medical expenses incurred for out-patient Eye related treatment/services provided by a licenced ophthalmologist |
- | Up to Rs.1,500 | Up to Rs.2,500 |
| Annual Health Check-up
To regularly monitor the health and well being, of each insured member, they get one health check-up in every policy year. We have already identified set of test that are covered under policy and you can book your health check-up appointment by using Care customer mobile app
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| Unlimited Automatic Recharge
In case your sum insured is exhausted during long hospitalisation or due to multiple family
members being hospitalised at same time, an amount equal to policy sum insured will be
automatically added to your policy. Unlimited times
|
Up to SI | Up to SI | Up to SI |
| No Claim Bonus Protect
50% increase in SI per policy year in case of claim free year; maximum up to 200% SI. (50% decrease in SI per Policy Year in case a claim has been paid; such decrease is only in SI accrued as NCB) No reduction in NCB in subsequent year, if total claim amount <25% of applicable SI in a policy year
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| Personal Accident Cover (AD & PTD)
Personal accident plan with accidental death cover for family and permananent disablement cover for specified disablity suffered
|
Accidental Death – 100% of SI Permanent Total Disablement – up to 100% of SI |
Accidental Death – 100% of SI Permanent Total Disablement – up to 100% of SI |
Accidental Death – 100% of SI Permanent Total Disablement – up to 100% of SI |
| Inflation Shield
The base policy insured amount will be increased on cumulative basis at each renewal on the basis of inflation rate in previous year.
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| Unlimited E-Consultation
Avail unlimited teleconsultations with empaneled doctors 24-7 using live video and voice call
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| Earn and Burn
Wellness program that rewards you for staying healthy with redeemable Earn and Burn points as per annexure.
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| Ambulance Cover
We will arrange ambulance transportation of the Insured person, to the nearest hospital; and/or transportation from one hospital to another hospital for the purpose of providing better medical aid to the Insured person, in case of certified medical emergency .
|
Upto ₹ 2,000 per hospitalization |
Upto ₹ 2,000 per hospitalization |
Upto ₹ 2,000 per hospitalization |
| Organ Donor Cover
In case of organ transplant surgery is required by insured person, we will cover the cost of operation performed on donor for harvesting organ from the donor.
|
Upto SI | Upto SI | Upto SI |
| Second Opinion
In the event if you diagnosed with specified major Illness / Injury during the policy year then on your request we can arrange a second opinion from our panel of doctors related to your medical treatment
| Once in a policy year (per member) | Once in a policy year (per member) | Once in a policy year (per member) |
| AYUSH Treatments
Coverage for expenses for more then 24 hour hospitalization related to treatment using AYUSH methods : AYURVEDA
/Sidhi/Unani or Homeopathy.
|
10% of SI | 10% of SI | 10% of SI |
| Air Ambulance Cover
We will arrange air transportation from the place of occurrence of medical emergency of the insured person, to the nearest hospital; and/or transportation from one hospital to another hospital for the purpose of providing better medical aid to the insured Person, following an emergency
|
Up to SI or maximum of 5 Lakh per policy year, whichever is lower | Up to SI or maximum of 5 Lakh per policy year, whichever is lower | Up to SI or maximum of 5 Lakh per policy year, whichever is lower |
| Health Services
Services related to hospitalisation, medication or doctor consultation as per the policy
|
Health Portal - Doctor on chat, Healthy tips reminder, Digital locker for medical records, etc. Discount Connect – Discounts on services at our network |
Health Portal - Doctor on chat, Healthy tips reminder, Digital locker for medical records, etc. Discount Connect – Discounts on services at our network |
Health Portal - Doctor on chat, Healthy tips reminder, Digital locker for medical records, etc. Discount Connect – Discounts on services at our network |
| Pre-hospitalization
Medical expenses incurred on doctor’s consultation fee, prescribed diagnostics and prescribed medicines 60 days before date of admission.
|
60 days | 60 days | 60 days |
| Post-hospitalization
Medical expenses incurred on doctor’s consultation fee, prescribed diagnostics and prescribed medicines 90 days after date of discharge.
|
90 days | 90 days | 90 days |
| Domiciliary Hospitalization
Medical expenses incurred during his/her prescribed treatment at home so long as it involves medical treatment for a period exceeding 3 days.
|
Upto SI | Upto SI | Upto SI |
Download the Brochure for Care Plus - The Complete Health Insurance Plan Complete Plan Details
Download Care Plus - The Complete Health Insurance Plan complete plan details
Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!
International Second Opinion
Provides second opinion from a medical practitioner outside India for specified major illness/injury
Smart Select
Get a discount of 15% on premium
22900+ HEALTH CARE PROVIDERS SERVE CASHLESS MEDICAL SERVICES ACROSS THE GLOBE
Look for hospitals around you
My appreciation for your prompt service
Rahul Sangwan
Health Insurance
We will continue to avail of your scheme
Samanway Barik
Health Insurance
Everything went very smooth
Soubhagya K Kulkarni
Health Insurance
Really helpful explaining the process in advance
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 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.
Best Health Insurance Company of the year*
38 Lakh+ Claims Settled**
22900+ CASHLESS HEALTHCARE PROVIDERS^^
**Number of claims settled as of 30th June 2023 *India Insurance Summit & Awards 2023
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Most Frequently Asked Questions
It is an indemnity-based health insurance plan for individuals aged 36 or above with no upper age limit.
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.
This health insurance plan is available with no upper age limit.
For this plan, we have tied up with 20,800+ cashless healthcare providers across India.
It offers various benefits such as in-patient hospitalisation, pre and post-hospitalisation, daycare treatments, AYUSH cover, cashless hospitalisation, and more, with a special 5% discount if you opt for it online.
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.
Under section 80D of the Income Tax Act of India 1961, the premium paid for this policy gets tax exemption.
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 any past medical history of diabetes, hypertension, or High BMI, opt for our Care Freedom.
Health emergencies 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 of its benefits timely.
Yes, you can avail of a hassle-free cashless hospitalisation 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
^^Number of Cashless Healthcare Providers as of 30th June 2023
**Number of Claims Settled as of 31st May 2023
##Price mentioned is for an adult aged 36 years old with a sum insured of 5 lac for a year.
Download the Brochure for Care Plus - The Complete Health Insurance Plan Complete Plan Details
Download Care Plus - The Complete Health Insurance Plan complete plan details
Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!
GET FREE QUOTE
Your health is topmost priority. Check health insurance premium now!
Your health is topmost priority. Check health insurance premium now!
22900+
Cashless Healthcare Providers^^
38 Lakh+
Insurance Claims Settled**
24*7
Claim and Customer Support
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