Care Plus Health Insurance Plan

4.5
Paybima Rating
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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)

check-star Claim settlement ratio – 100 %
check-star NCB* - 50% of SI, up to 200%* (in 5 consecutive years)
check-star PED Waiting# - 48 months
check-star Network Hospital – 24800+
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Pros & Cons of Care Plus (Care Health Insurance Company)

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Care Plus Plan is available on an individual and family floater basis
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The sum assured of the plan ranges from INR 3 lakh to INR 25 lakh
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The Plan offer 10% renewal discount once the insured turns 40, for the policyholder entering the plan by 36 and above years
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The plan allows NCB or No Claim Bonus protection for every claim free year
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It also offers protection against personal accident for the key insured person up to the Sum Insured amount
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Care plus plan do not cover expenses for any self-inflicted injury like attempting suicide, suicide etc.
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Expenses for injuries caused by the consumption of excessive alcohol or drug misuse are not covered by the plan
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The plan does not include cosmetic surgeries like plastic surgery, cosmetic treatment and implants etc.
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Exclusion is also there for expenses caused by injuries due to war, riot, use of nuclear weapons etc.
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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
check-star % of claims settled in less than 30 days
Reflects on the speed of settling valid claims
99.99%
check-star % of Complaints received on overall claims
% customers unhappy with claims experience
0.51%
check-star Claims Incurred Ratio
56.19%
check-star Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?
100%
check-star 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
Top Health Insurance Plans by Care Health Insurance Company

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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.