Care Plus Plan
Care Plus Plan is a complete health insurance plan designed by Care Health Insurance. It caters to individuals and families and offers many benefits to ensure complete healthcare coverage. Care Plus Plan offers a secure and dependable solution, safeguarding you and your loved ones from unforeseen circumstances. Care Plus Health Insurance offers sum insured options and various add-on benefits, allowing policyholders to enhance their basic coverage benefits.
Highlights of Care Plus Insurance Policy
Below are the specifications of the Care Plus Health Insurance from Care Health Insurance:
-
Entry Age
Individuals: 36 years to Lifelong Family Floater: 91 Days to Lifelong
-
Renewability
Lifelong
-
Policy Type
Individual and Family Floater
-
Plan Variant
Care Plus Plan and Care Plus Youth Plan
-
Sum Insured
INR 3L, INR 5L, INR 7L, INR 10L, INR 25L
-
Policy Term
1, 2, 3 Years
-
Waiting Period for Pre-Existing Disease
36 months
Eligibilities to buy Care Plus Insurance Policy
Below is the eligibility of the Care Plus Health Insurance:
- Individual
- Family Floater
Entry Age: 36 Years to Lifelong
Entry Age: 91 Days (with at least 1 member of age 36 years and above) to Lifelong
Policy Term: 1,2,3 Years
No. of Covered Members: 6 Members
Allowed Relation: 1A+1C, 1A+2C, 1A+3C, 1A+4C, 2A, 2A+1C, 2A+2C, 2A+3C, 2A+4C
Care Plus Plan Variants
Care Plus Plan caters to a diverse clientele by offering various plan options. Here's a glimpse into some popular choices:
Care Plus (The Complete Health Insurance Plan)
This plan is designed for individuals and families, providing comprehensive coverage for hospitalization expenses, pre & post-hospitalization costs, and OPD consultations.
Care Plus Youth Health Insurance Plan
This plan caters specifically to young adults, offering features like unlimited OPD consultations, online doctor consultations, and a unique "Earn & Burn" reward program that incentivizes healthy habits.
Coverage Benefits Offered Under Care Plus Insurance Policy
Care Plus plan provides a comprehensive shield against medical uncertainties. Let's take a deeper dive into specific coverage benefits. Here are the coverage benefits offered under Care Plus health insurance:
- 3L
- 5L / 7L
- 10L / 25L
Room Rent
1% of Sum Insured
1% of the Sum Insured for INR 5L/ Single Private AC Room for INR 7L
Single Private AC Room
ICU Charges
2% of the Sum Insured
No Limit
No Limit
Out-Patient Consultations
Not Covered
Up to INR 1.5K Limit per consultation is INR 350
Up to INR 2.5K Limit per consultation is INR 350
Out-Patient Dental and Ophthalmic Treatments
Not Covered
Up to INR 1.5K
Up to INR 2.5K
New Born Baby Cover
Covered up to INR 15K
Covered up to INR 15K for INR 5 Lakhs and INR 25K for INR 5 Lakhs above
Covered up INR 25K
Pre-Hospitalization
Covered up to 60 Days
Post-Hospitalization
Covered up to 90 Days
Daycare Treatments
Covered up to Sum Insured
Domiciliary Treatment
Covered up to Sum Insured
No Claim Bonus
Available up to 50% of SI
Automatic Restoration
Up to the Sum Insured
Organ Donor
Covered up to Sum Insured
Ambulance Cover
Covered up to INR 2K
Air Ambulance Cover
Covered up to the Sum Insured or INR 5 Lakhs per policy year
AYUSH Treatment
10% of the Sum Insured
Modern Treatment
Covered up to Sum Insured
Annual Health Check-up
Available for Adult Members
Co-payment
20% of all claims
E-consultation
Available
Personal Accident Cover
Covered up to 100% of the Sum Insured
Care Plus Insurance Policy Exclusion
Below is the list of diseases and conditions that are not covered under the Care Plus Insurance Policy:
- Mental illness
- Intentional self-injury
- Change of Gender
- AIDS
- Cosmetic & aesthetic treatment
- Dental surgery
- Hospitalization due to war, strikes, riots, and nuclear weapons.
- Congenital disease
- Miscarriage and abortion
Coverage After Waiting Period
Below is the list of benefits that are covered after a certain waiting period:
-
Initial Waiting Period
30 Days
-
Waiting Period for Pre-existing Period
36 Months
-
Listed Ailments
24 Months
-
Maternity Benefits
24 Months
-
New Born Cover
24 Months
Network Hospitals
Care Plus Policy Additional Benefits
Care Plus Plan goes beyond essential medical coverage, offering a range of additional benefits to enhance your well-being and healthcare experience. Let us take a closer look at these valuable add-ons
COVID Care
This add-on rider will cover the expenses associated with treatment/quarantine for COVID-19 with a confirmative diagnosis from Govt. authorized centres.
Care Shield
This add-on offers 3 policy benefits: Claim Shield, No Claim Bonus Shield, and Inflation Shield.
- Claim Shield : It covers non-payable expenses such as attendant charges, gloves, masks, etc.
- No Claim Bonus Shield :It shields the no-claim bonus if the total claim amount is less than 25% of the sum insured in a policy year.
- Inflation Shield :The base policy sum insured amount will be increased cumulatively at each renewal based on the inflation rate in the previous year.
No Claim Bonus Super
This add-on rider will increase the base sum insured amount by 50% for every claim-free year up to the maximum of 100% of the sum insured.
| Sum Insured (INR 10 Lakhs) | 2nd Year | 3rd Year | 4th Year | 5th Year | 6th Year |
|---|---|---|---|---|---|
| NCB | INR 1 Lakh | INR 1 Lakh | INR 1 Lakh | INR 1 Lakh | INR 1 Lakh |
| NCB Super | INR 5 Lakhs | INR 5 Lakhs | Not Applicable | Not Applicable | Not Applicable |
| Total Sum Insured Amount | INR 16 Lakhs | INR 22 Lakhs | INR 23 Lakhs | INR 24 Lakhs | INR 25 Lakhs |
| % of Increase in Sum Insured | 60% | 60% | 10% | 10% | 10% |
| Total Increase | 10 Lakhs to 25 Lakhs, i.e., 150% | ||||
Reduction in PED Waiting Period
This add-on rider will reduce the applicable pre-existing disease waiting period from 36 to 24 months.
OPD Care
This add-on rider covers the expenses incurred for doctor consultations, pharmacy visits, and investigative tests.
Earn and Burn
A wellness program rewards policyholders to stay and maintain a healthy lifestyle.
Explore More About Care Health Insurance Policy
Check the below section to learn more about the Care Health Insurance buying process, care health insurance claim settlement process, care health insurance renewal process.
