Care Health Care Plus Insurance Plan: Buy, Renew Online
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Care Plus Plan

Care Plus health insurance is a comprehensive healthcare plan loaded w ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
158+
Pan India presence
97%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,714 reviews
🏥 11,400+ hospitals
📊 1.74 solvency ratio
✅ 97% claim settlement

About Care Plus Plan

A quick read on what this Care Health Insurance plan covers and why it might be a fit for you.

Care Plus health insurance is a comprehensive healthcare plan loaded with features to protect you and your family. It offers inflation-proof coverage and safeguards against medical crises. The plan covers all age groups without any upper age limit. Benefits include the latest technology treatments, outpatient dental and ophthalmic treatments, personal accident cover, unlimited e-consultation, and health programs with rewards.

Care Plus Health Insurance offers sum insured options of INR 3 lakh, 5 lakh, 7 lakh, 10 lakh, and 25 lakh. Additional benefits include an international second opinion for major illnesses/injuries and a 15% discount through the smart select option when treated at selected network hospitals.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
5 Years to No age limit
Plan type
Individual and Family Health Insurance
Sum insured options
₹3 L, ₹5 L, ₹7 L, ₹10 L, ₹25 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1,2,3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Ambulance cover
  • daycare treatments
  • domiciliary hospitalization

Cons

  • Illegal activities
  • alcohol abuse
  • obesity treatment

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Care Health Insurance Plan Detailed Review

Care Health Insurance Plan Detailed Review

Know the detailed review of care health insurance plans in Hindi. This video will explain all the available plans and care health insurance offers.

Care Plus Plan Benefits

  • Tax Benefits

    The premium paid for this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

  • Discounts

    15% discount on base benefit premium and optional maternity and newborn cover premium.

  • International Opinion

    Optional benefit of an international second opinion once per major illness/injury per policy year.

  • Wellness Programs

    Rewards for maintaining a healthy lifestyle, allowing customers to earn and use reward points.

  • Health Services

    Online health services through a health portal, including doctor chat, health tips reminders, and a digital locker for medical records, with discounts at network services.

Care Health Insurance Network Hospital List

Care Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions not covered under the Care Plus Plan include:
  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and abortion
  • Congenital disease
  • Infertility and in vitro fertilization
  • Certain diseases and treatments are covered after a waiting period:
  • Listed ailments after 24 months
  • Pre-existing diseases after 36 months

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 5 Years
  • Max entry age: No limit
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 25 L

Other features & benefits

  • Personal accident cover
  • inflation shield
  • health services

Care Plus Plan: FAQs

The 3 most-asked questions about Care Plus Plan, answered.

The sum insured options available are 3 to 25 L.
18 years is the entry age for the Care Plus plan.
The Care Plus plan provides 1/2/3 Years policy tenure.

Conclusion

A comprehensive plan with modern benefits and wide coverage, suitable for families.

Explore Care Health Insurance

Health Insurance Articles

Health Insurance Premium Calculator

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 7 Aug 2023 · Originally published: 19 Nov 2024

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