Care Plus Youth Health Insurance Plan
Care Plus Youth Health Insurance Plan is a comprehensive health plan specifically designed for youth by Care Health Insurance. Care Plus Youth Plan is your ideal partner on the path to a healthy and secure future. It offers extensive coverage for various medical expenses, ensuring that young policyholders can access quality healthcare without financial burdens. It has features like coverage for pre-existing conditions, no co-payment conditions, unlimited recharge of the sum insured, an earn-and-burn reward program, etc. This plan aims to provide comprehensive health protection to the youth.
Highlights of Care Plus Youth Insurance Policy
Below are the specifications of the Care Plus Youth Health Insurance from Care Health Insurance:
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Entry Age
Individuals: 18 years to 35 Years Family Floater: 91 Days to 35 Years
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Renewability
Lifelong
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Policy Type
Individual and Family Floater
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Plan Variant
Care Plus Plan and Care Plus Youth Plan
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Sum Insured
INR 3L, INR 5L, INR 7L, INR 10L, INR 25L
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Policy Term
1, 2, 3 Years
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Waiting Period for Pre-Existing Disease
36 months
Eligibilities to buy Care Plus Youth Insurance Policy
Below is the eligibility of the Care Plus Youth Health Insurance:
- Individual
- Family Floater
Entry Age: 18 Years to 35 Years
Entry Age: 91 Days (with at least 1 member of age 36 years and above) to 35 Years
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
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Coverage Benefits Offered Under Care Plus Youth Plan
Care Plus Youth Plan provides a complete shield against medical emergencies. Here are the coverage benefits offered under Care Plus Youth 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 Youth Insurance Policy Exclusion
Below is the list of diseases and conditions that are not covered under the Care Plus Youth Plan:
- 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 Youth Policy Additional Benefits
Care Plus Youth Plan offers many additional benefits to enhance your well-being and healthcare experience. Let us take a closer look at these valuable add-ons:
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.
International Second Opinion
This add-on rider provides the benefit of getting a second opinion per major injury/illness per policy year.
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.
