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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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Reasons to Choose Care Health Insurance?

  • Healthcare Networks
    22900+ CASHLESS HEALTHCARE PROVIDERS^^
  • Claim settled ratio
    38 Lakh+INSURANCE CLAIMS SETTLED**
  • Claim settled
    24x7CLAIM AND CUSTOMER SUPPORT

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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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 east

KEY FEATURES ₹3L ₹5L / 7L ₹ 10L / 25L
In-Patient Hospitalization
info 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
info 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
info Coverage for hospitalization expenses incurred on treatment through specified advance technology
Upto SI Upto SI Upto SI
Out-patient Consultations
info 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
info 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
info 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
info 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
info 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)
info 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
info 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
info Avail unlimited teleconsultations with empaneled doctors 24-7 using live video and voice call
check check check
Earn and Burn
info Wellness program that rewards you for staying healthy with redeemable Earn and Burn points as per annexure.
check check check
Ambulance Cover
info 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
info 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
info 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
info 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
info 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
info 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
info 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
info 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
info 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
×

Annexure–1

Sr. No. Insured Events % of coverage amount of the Insured Person under this Optional Cover
1 Total and irrecoverable loss of sight of both eyes, or of the actual loss by physical separation of two entire hands or two entire feet, or one entire hand and one entire foot, or the total and irrecoverable loss of sight of one eye and loss by physical separation of one entire hand or one entire foot 100%
2 Total and irrecoverable loss of (a) use of two hands or two feet, or (b) one hand and one foot, or (c) sight of one eye and use of one hand or one foot 100%
3 Total and irrecoverable loss of sight of one eye, or of the actual loss by physical separation of one entire hand or one entire foot 50%
4 Total and irrecoverable loss of use of a hand or a foot without physical separation 50%
5 Paraplegia or Quadriplegia or Hemiplegia 100%

Note: For the purpose of Sr. No. I to IV above, physical separation of a hand or foot shall mean separation of the hand at or above the wrist, and of the foot at or above the ankle.

For the purpose of this Benefit only:

(i) “Hemiplegia” means complete and irrecoverable paralysis of the arm, leg, and trunk on the same side of the body

(ii) “Paraplegia” means complete and irrecoverable paralysis of the whole of the lower half of the body (below waist) including both the legs

(iii) “Quadriplegia” means complete and irrecoverable paralysis of all four limbs

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

Covid care

Covid Care

Covers expenses incurred for treatment/quarantine for (COVID-19) with a confirmative diagnosis from Govt. Authorized Centre.
See Details
Care Shield

Care Shield

An add-on cover that offers 3 benefits claim shield, no claim bonus shield and inflation shield.
See Details
No Claim Bonus Super

No Claim Bonus Super

You can increase your sum insured amount by 50% for every claim free year up to a maximum of 100%.
See Details
Reduction in PED Wait Period

Reduction in PED Wait Period

This Optional Cover reduces the applicable PED wait period from 48 months to 24 months.
See Details
OPD-care

OPD Care

An Add-On cover that takes care of expenses incurred on Doctor Consultations, Pharmacy & Investigative Tests
See Details
×

Reduction in PED Wait Period

Choosing this optional cover reduces the applicable wait period of 48 months for Claims related to Pre-existing diseases, to 24 months. The claims will be admissible for any Medical Expenses incurred for Hospitalization in respect of diagnosis/treatment of any Pre-existing Disease after just 24 months of continuous coverage has elapsed, since the inception of the first Policy with us.

No Claim Bonus Super

×
No Claim Bonus Super

For 5 consecutive claim free years by using No Claims Bonus (NCB) & No Claims Bonus – Super (Optional Cover).Incremental increase every year is applicable on base Sum Insured. If a claim is made in any particular year, accrued NCB and NCB-Super will be reduced at the same rate at which it is accrued.

OPD Care

×

Through this optional cover, one can claim amount equivalent to their bills provided at the time of reimbursement. Coverage amount ranging from INR 5,000 to INR 50,000 can be opted.

×

Benefits of Covid Care

  1. In-patient Care: If You are admitted to a hospital for in-patient care due to Illness related to Coronavirus disease which should be Medically Necessary, for a minimum period of 24 consecutive hours
  2. Day Care Treatment: we will indemnify you for Medical Expenses incurred on Day Care Treatment maximum up to the Sum Insured, provided that period of treatment for you in the Hospital/Day Care Centre does not exceed 24 hours.
  3. Sub-limits on Coverage for Quarantine: we will indemnify you for Medical Expenses incurred maximum up to 1% S.I. per day maximum up to 30 days in a Policy
  4. Pre-Hospitalization Medical Expenses: Under Pre-hospitalization Medical Expenses, for a period of 30 days immediately prior to your date of admission to the Hospital
  5. Post-Hospitalization Medical Expenses: Under Post-hospitalization Medical Expenses, for a period of 60 days immediately after your date of discharge from the Hospital.

For more details on exclusions & policy terms kindly refer to product T & C

Care Shield

×

The policy has 3 benefits :

  1. Claim Shield- List of Non-payable expenses like attendant charges, gloves, mask etc, now payable under this benefit in the policy (For detailed list refer Annexure I of policy details)
  2. No Claim bonus Shield- If total payable claim amount in Policy Year is <25% Sum Insured, then No Claim Bonus (No Claim Bonus Super, if opted) as applicable in base product shall not be reduced.
  3. Inflation Shield- The base policy Sum Insured will be increased on cumulative basis at each renewal on the basis of inflation rate in previous year

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

22900+ HEALTH CARE PROVIDERS SERVE CASHLESS MEDICAL SERVICES ACROSS THE GLOBE

Look for hospitals around you

Detailed Hospital List
22900+ Health Care Providers Across The Globe
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Voice of Our Customers

4
Write a Review
HN
Hemant Negi December 11, 2023
Careplus Complete Plan
4

On time cashless claim service

I recently undergo a minor surgery for a lump. I dont have to pay single penny for hospitalisation and surgery. Care plus and care team helped in tough times. Great services.
P
Punit December 11, 2023
Careplus Complete Plan
5

Best customer service

Care health insurance is best insurance company. When I visited the branch office for my query related to panel hospitals, branch operation and other staff members helped me. They helped me in downloading the company app and help me in searching hospitals paneled on company networks. Also they helped me for renewal and endorsement process.
SS
Simran Singh December 11, 2023
Careplus Complete Plan
4

Prompt cashless process

I had very good experience. My claim was settled immediately and I have to pay nothing. Staff and agent were very supportive.
NB
Neelu Bisht December 11, 2023
Careplus Complete Plan
4

Hassle free service

Best health insurance and provide hasslefree service. The employee is friendly. My claim was approved instantly. Must recommend health insurance.
VK
Vineet Kapilla December 11, 2023
Careplus Complete Plan
3

Overall ok

Should improve customer support and processes. Not able to renew my policy online in Grace period. I have to contact customer support and it take time to resolve the issue.
READ ALL
REVIEWS
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Rahul Sangwan

My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

Rahul Sangwan

Health Insurance

Samanway Barik

We will continue to avail of your scheme

I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

Samanway Barik

Health Insurance

Soubhagya K Kulkarni

Everything went very smooth

Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

Soubhagya K Kulkarni

Health Insurance

Vaibhav Rai

Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

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 (CHI) 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.

Awarded As Claims

Best Health Insurance
Company of the Year*

Total Claims Paid

38 Lakh + Claims Settled**

Cashless Claim

22900+
CASHLESS HEALTHCARE PROVIDERS^^

**Number of claims settled as of 30th June 2023     *India Insurance Summit & Awards 2023

FAQs On Care Plus - Complete Health Plan

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

^^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.

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!

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