Care Plus Plan

Care Plus Plan

  • 20,800+ Network Hospitals
  • 100% Claims Settled in the Year 2021-22
  • Get Rewarded for Staying Healthy

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


  • 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

Maternity Cover

Not Covered

Covered up to INR 15K

Covered up to INR 15K

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


Covered up to 60 Days


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


20% of all claims



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

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



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.