Care Plus Health Insurance Plan

4.5

Paybima Rating

Policy Brochure

Policy Wording

Claim Form

Care Plus health insurance plan from Care Health Insurance Company is a policy designed exclusively for people above the age of 36 years. This plan comes with no upper age limit and offers all-inclusive inflation proof coverage. Care plus levy no co-payment clause on the insured while keeping them secure against health crisis.

Highlights of Care Plus (Care Health Insurance Company)

Claim settlement ratio – 100 %

NCB* - 50% of SI, up to 200%* (in 5 consecutive years)

PED Waiting# - 48 months

Network Hospital – 24800+

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Features and Benefits of Care Plus

Care Plus is a reliable health insurance plan designed for individuals looking to invest in a comprehensive plan that provides a wide range of basic coverage and optional add-ons. Let’s explore the key features and benefits of the plan:

Coverage for Every Need

The Care Plus plan is carefully curated to align with the needs of every individual. The coverage is wide enough to meet the requirements of a 91-day child to an individual in their late 80s or above. Individuals can get coverage for:

Ambulance cover
Domiciliary Hospitalisation
Organ Donor Cover
Pre- and Post-Hospitalisation Cover
Unlimited E-Consultations
Inflation Shield and a lot more.

Flexible Policy Features

The policy offers flexibility in its coverage, tenure, premium, and plan type. Here’s how:

You can choose from policy tenure options: 1 year, 2 years or 3 years.
You can either opt for an individual plan or a family floater plan, depending on your needs.
The sum insured offered ranges from ₹3 lakhs to ₹25 lakhs.

Quick Claim Settlement

One of the key benefits of purchasing a plan like this is that you do not have to worry about claim settlement. The insurance company has a claim settlement ratio of 92.77%, and individuals can enjoy cashless claim settlement at over 21700 network hospitals.

Optional Benefits

To make the plan wholesome and adjust according to personal needs, individuals can explore optional benefits like:

Maternity and Newborn Cover
If the sum insured under Care Plus is less than or equal to ₹5 lakhs, then coverage amount up to ₹1,50,000 is provided, and if the sum insured is over ₹5 lakhs, then coverage amount upto ₹2,50,000 is provided.
Note: This can be availed only under the floater policy type.
International Second Opinion
For one major illness during one policy year, the plan provides coverage for getting an international second opinion.
Smart Select
This promises an additional 15% discount. Please note that if the treatment is performed in a non-network hospital, a 20% co-payment is applicable per claim.

Exciting Rewards

What better than a health insurance plan that comes with exciting rewards, in addition to comprehensive coverage? Care Plus has exciting rewards for individuals who make healthy lifestyle choices every day. Please check the Earn & Burn program for details.

Wish to Enhance Your Coverage? Take a Look at the Riders Available

Enhancing your health insurance plan coverage has become simpler than ever with Care Plus. Take a look at some of the riders for your existing plan:

Add-Ons	Details
Covid Care	Coverage for expenses incurred on COVID-related treatments. Note- The COVID-19 test must be done at a government-authorised centre.
No Claim Bonus Super	Promises an increase in the sum insured amount upto 100% for every claim-free year.
Reduction in Waiting Period	Using this add-on, you can reduce the PED wait period to 24 months from 36 months.
OPD Care	This add-on provides coverage for expenses incurred on pharmacy, doctor consultations, and tests. You can get coverage amounts ranging from ₹5,000 to ₹50,000.

Care Plus: Highlights

Care Plus is a health insurance plan designed carefully with rising inflation in mind. Here’s a table for you to take a quick look at the plan highlights:

Particulars	Details
Policy Name	Care Plus
Insurance Company	Care Health Insurance
Sum Insured	Starting from ₹3 lakhs upto ₹25 lakhs
Add-Ons	Covid Care No Claim Bonus Super Reduction in Waiting Period OPD Care
Tenure Options	1, 2 and 3 years
Waiting Period	The Initial Waiting Period is 30 days For Named Ailment- 24 months For Pre-Existing Diseases- 36 months For Maternity and Newborn Coverage - 24 months

Care Plus: What is Covered?

The Care Plus plan offers a long list of coverages, including:

In Patient Hospitalisation

Inpatient hospitalisation coverage is offered up to the total value of the sum insured. These typically include coverage for medical expenses arising from room rent, OPD charges, diagnosis and tests, doctor consultation charges etc.

Day Care Treatment

Expenses incurred for daycare treatment are covered under the plan.

Advance Treatment

Any medical treatment that requires the use of modern or advanced technology can cost a lot. However, with a plan like this, the bills are covered by the insurance company.

Annual Health Check-Ups

To stay updated on health conditions, the plan offers insured individuals annual check-ups. Please review the updated list of health check-ups that are covered under the plan.

Personal Accident Cover

Insured individuals receive coverage for medical bills resulting from personal accidents. This makes the plan reliable in case of an emergency.

Inflation Shield

The inflation shield ensures that the sum insured under the policy is automatically adjusted according to medical inflation each policy year.
Did You Know that medical inflation in India is at an all-time high? In 2023, it reached 14%, the highest in Asia.

Care Plus: What is Not Covered?

Before investing in a medical insurance plan, it is essential to understand the exclusions.
Here’s what is not covered under the Care Plus plan:

Self-Inflicted Injury

Expenses incurred on treating any self-inflicted injury are not covered.

Specific Type of Hospitalisation

Hospitalisation due to an injury incurred during the war, riot, strike, nuclear weapon etc is not included.

Internal Congenital Disease

Internal congenital diseases are those diseases that an individual is born with. These diseases are not covered.

Substance Abuse Treatments

Medication or treatment expenses arising from a medical condition due to drug or alcohol abuse are not included.

Pros & Cons of Care Plus (Care Health Insurance Company)

Care Plus Plan is available on an individual and family floater basis

The sum assured of the plan ranges from INR 3 lakh to INR 25 lakh

The Plan offer 10% renewal discount once the insured turns 40, for the policyholder entering the plan by 36 and above years

The plan allows NCB or No Claim Bonus protection for every claim free year

It also offers protection against personal accident for the key insured person up to the Sum Insured amount

Care plus plan do not cover expenses for any self-inflicted injury like attempting suicide, suicide etc.

Expenses for injuries caused by the consumption of excessive alcohol or drug misuse are not covered by the plan

The plan does not include cosmetic surgeries like plastic surgery, cosmetic treatment and implants etc.

Exclusion is also there for expenses caused by injuries due to war, riot, use of nuclear weapons etc.

Our verdict

Care Plus is a carefully designed health insurance plan that caters to the needs of every individual. The plan, with its no upper age limit for purchase, offers a wide range of coverages, add-ons, flexible tenure, and affordable premiums, making it a robust option. Care Health Insurance Company has partnered with over 21,700 cashless health providers, settled over 58 lakh claims, and created a user-friendly online portal that is available 24/7 for support and assistance.

Make sure to carefully evaluate the features, inclusions and exclusions before purchasing a health insurance plan. Head straight to Paybima to find the best options.

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Care Health
Insurance Company

Care Health Insurance Company (Formerly known as Religare Care Health Insurance Company Limited) is a part of Religare Group established in July 2012. It is a direct subsidiary company of Religare Enterprises Limited. Care Health is a leading player in the health insurance industry of India. It is a specialised health insurance provider offering a suite of insurance solutions in the retail segment. Its plans include International Travel Insurance, Health Insurance, Personal Accident, Critical Illness and Top-up coverage along with Group Health Insurance for Corporates and Companies.

Founded in

2012

Claim Incurred ratio

53.82%

Number of Policies

2,635,587

Turnover (GWP)

Rs 5,141.53 CR

JV Partners

Religare Enterprises Limited, Union Bank of India, and Corporation Bank.

Claims Experience

Claims Experience Rating 4.7

% of claims settled in less than 30 days
Reflects on the speed of settling valid claims

99.99%

% of Complaints received on overall claims
% customers unhappy with claims experience

0.51%

Claims Incurred Ratio

56.19%

Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?

100%

No. of Cashless Hospitals

24800+

Benefits of Care Plus (Care Health Insurance Company)

In-patient Hospitalization
ICU Rent Limit	2% of SI per day – No limit
Room Rent Limit	1 % of SI per day
Pre & Post Hospitalization
Post-hospitalization expenses are covered	Up to the Sum Insured
Post-hospitalization expenses are covered for up to	90 days after the date of discharge from the hospital
Pre-hospitalization expenses covered	up to the Sum Insured
Pre-hospitalization expenses are covered up to	60 days before hospitalization
Day Care Treatment
Financial Limit	Up to SI or sum insured
No. of treatments covered	541+ Daycare treatments covered

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Ask Anything as We Have Answers to Everything in Insurance

Care Plus is an indemnity-based health insurance plan that is designed for people aged 36 and above with no upper age limit.

The minimum age limit of Care Plus Plan for children is 91 days and up to 24 years on a family floater basis, whereas in the case of adults there is no upper limit of age. But the age of the proposer has to be 18 years and above.

Care health insurance policy has tied-up with over 8350+ hospital network across India

The Care Plus policy doesn’t require any pre-policy medical check-up. But the policy seeker might have to undergo tele-underwriting with certain specific tests included in it.

Care Plus is a health insurance plan offered by Care Health Insurance Company, which provides coverage of up to ₹25 lakhs and is available to individuals aged 36 or above.

No, typically the plan does not require individuals to undergo any medical screening tests. However, in some cases, the insurance company might require tele-underwriting, which includes a few tests.

Yes, the policy offers cashless benefits at its over 21700 network hospitals.