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Care Plus - The Complete Health Insurance Plan

A tailor-made health insurance plan with no upper age limit and no co-payment clause for individuals aged 36 or above.

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Get an Exclusively Tailored Health Plan with No Upper Age Limit

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Get 5 Lac Health Cover @894/month
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    Reasons to Choose Care Health Insurance?

    • Healthcare Networks
      20,800+ CASHLESS HEALTHCAREPROVIDERS^^
    • Claim settled ratio
      95.2% INSURANCE CLAIMSETTLEMENT RATIO*
    • Claim settled
      30 LACS+ CLAIMS SETTLEDSUCCESSFULLY*

    What is Care Plus Health Insurance Plan?

    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.

    Plan Highlights of Care Plus Health Insurance Plan

    • 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 protect for every claim-free year. 50% increase in SI per for every claim-free year; maximum up to 200% SI.

    Cover highlights

    Advance Technology Methods

    Advance Technology
    Methods

    No Claim Bonus Protect

    No Claim Bonus
    Protect

    Out patient Dental and Ophthalmic Treatments

    Out Patient Dental and
    Ophthalmic Treatments

    Personal Accident Cover

    Personal Accident
    Cover

    Unlimited E-Consultation

    Unlimited
    E-Consultation

    Coverage Benefits Under Care Plus - The Complete Health Insurance Plan

    See all Sum Insured Options arrow close

    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
    tick-mark tick-mark tick-mark
    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
    tick-mark tick-mark tick-mark
    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.
    tick-mark tick-mark tick-mark
    Unlimited E-Consultation
    Avail unlimited teleconsultations with empaneled doctors 24-7 using live video and voice call
    tick-mark tick-mark tick-mark
    Earn and Burn
    Wellness program that rewards you for staying healthy with redeemable Earn and Burn points as per annexure.
    tick-mark tick-mark tick-mark
    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
    SHOW MORE BACK TO PAGE
    Brochure

    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!

    Add-ons To Cover Your Specific Needs

    International second opinion

    International Second Opinion

    Provides second opinion from a medical practitioner outside India for specified major illness/injury

    See Details
    Smart Select

    Smart Select

    Get a discount of 15% on premium

    See Details

    Care Plus - The Complete Health Insurance Plan

    • Age of Proposer 18 years or above

    • Entry age - Minimum

      • Individual : 36 years (Benefit: Earn & Burn shall be available for member of 18 years or above)

      • Floater : 91 Days with at least 1 member of age 36 years or above

    • Entry age - Maximum

      • Adult : Lifelong

      • 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: 1/2/3 Years

    Download Terms & Conditions
    • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide).

    • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse

    • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences.

    • Internal congenital disease

    • Tests and treatment relating to infertility and in vitro fertilization.

    • War, riot, strike, nuclear weapons induced hospitalization.

    For complete list of exclusions please refer to policy TnC

    STEP 1

    Emergency

    Intimate within 24 hours of your hospitalization

    Planned Hospitalization

    Intimate us 48 hours prior to your hospitalization

    STEP 2

    Cashless

    Request for pre-authorization

    Reimbursement

    Claim from submission

    Complete the pre-authorization form available
    at the hospitals insurance/TPA Desk and send us through fax.

    Approval

    Approval letter sent by the claim management team

    Query

    Hospital/Insured to response to the query raised by the claim management team

    Rejected

    You may initiate the treatment and file for reimbursement claim

    Submission of claim form along with required
    documents, as per the policy terms & conditions

    Approval

    Approval letter sent by the claim management team

    Query

    Insured to response to the query raised by the claim management team

    Rejected

    We will communicate the reason in case of rejection

    20800+HEALTH CARE PROVIDERS SERVE CASHLESS MEDICAL SERVICES ACROSS THE GLOBE

    Look for hospitals around you

    Detailed Hospital List
     19000+ Health Care Providers Across The Globe

    20800+ Cashless Providers

    19000+ Health Care Providers Across The Globe

    Voice of Our Customers

    Keshav Pal Singh

    review Recently, I have taken a policy for my mother. Hassle free insurance buying process. Highly Recommend Care Do keeps up the good work.

    Rukhsar Khan

    review I would like to appreciate your service, support and guidance to settle claim on time.

    Arun Sharma

    review Mr Promod was very helpful in explaining product features & claim settlement process. Keep it up!

    Krishna Verma

    review Thank you for helping me in bad situation when my dad was hospitalized. Buying Senior Citizen Health Plan was the wiser decision I have taken.

    Radhika Gaur

    review Care Health Insurance was awesome, helped me a lot like family with hospitalization formalities of my dad when I was very tense due to his sudden illness. Really appreciate!
    Ankita Sharma

    My appreciation for your prompt service

    At the outset, I would like to express my appreciation for your prompt service in taking up the case regarding my claim. I have received timely intimation regarding the acceptance of my claim amount settled by you.

    Ankita Sharma

    Health Insurance

    Indubala Nambiar

    We will continue to avail of your scheme

    Thank you for settling the claim amount. It helped me a lot during my tough time. The process is smooth and hassle-free. I will continue with Care Health Insurance and recommend it to my friends as well.

    Indubala Nambiar

    Health Insurance

    Vikas Singh

    Everything went very smooth

    I would like to pass on my appreciation for Virender, who guided me during the difficult time. He helped me at every stage and didn't keep me waiting. Due to his efforts, I was relaxed and everything went very smooth.

    Vikas Singh

    Health Insurance

    Sahil Khattar

    Really helpful explaining the process in advance

    I just wanted to thank you for the exceptional response from you on the recent cashless hospitalization request related to my mother's operation. You were really helpful throughout.

    Sahil Khattar

    Health Insurance

    Aditya Sharma

    Finalising my claim in a short period

    I must express my profound appreciation for finalising my claim in a short period. I have heard of insurance companies holding payment or rejecting it outright on very flimsy grounds was not the case with Care health insurance, May your tribe grow more

    Aditya Sharma

    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.

    Care Health Insurance

    Awarded as Claims
    Leader of the year

    Care Health Insurance

    30 Lakh + Claims Settled^^

    Care Health Insurance

    Cashless claim processing
    in approx. 2 hours

    ^^number of claims settled as on February, 2022

    FAQs On Care Plus - Complete Health Plan

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    Most Frequently Asked Questions

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

    It is an indemnity-based health insurance plan for individuals aged 36 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 the 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 cashless healthcare providers have the company tied up for Care Plus - The Complete Health insurance Plan?

    For this plan, we have tied up with 20,800+ cashless healthcare providers across India.

    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-hospitalisation, 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 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, 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.

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

    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.

    Q. Does Care Plus - The Complete Health insurance Plan allow cashless benefits?

    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

    *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.

    Brochure

    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!

    Reach out to us
    Whatsapp 8860402452

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