Care Plus Plan vs Silver Health Plan Health Insurance Plan 2026 | PolicyX

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Care Plus health insurance is a complete healthcare plan loaded with features to protect you and your family. It offers comprehensive, inflation-proof coverage, safeguarding you against medical crises. Care Plus is a unique plan that covers people of all age groups without any upper age limit. Care Plus Health Insurance provides a multitude of benefits such as the latest technology treatments, outpatient dental and ophthalmic treatments, personal accident cover, unlimited e-consultation, health programs that offer rewards, and much more.

Care Plus Health Insurance offers sum insured options for INR 3 lakh, 5 lakh, 7 lakh, 10 lakh, and 25 lakh. Additionally, Care Plus provides various add-on benefits like an international second opinion, which allows the insured to avail a second opinion from a medical practitioner outside India for any specific major illness/injury. It also includes 'Smart Select', offering customers a 15% discount by getting treatment from selected network hospitals.

PLAN DETAILS

Care Plus Plan

Silver Health Plan

Product Type Individual and Family Health Insurance Senior Citizen Health Insurance
Key Features
(Key features of the plan)
  • Comprehensive coverage
  • No upper age limit
  • Variants on Sum Insured
  • Cover 15 Critical Illnesses
  • Preventive Health Check-ups
  • Long Term Policy
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Covered Covered
Room Rent
(A limit of room rent cover during hospitalization if any)
Covered Covered
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Covered Covered
Pre-hospitalization
(Expenses before the insured is hospitalized)
Covered Covered
Post-hospitalization
(Expenses after discharge from the hospital)
Covered Covered
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Covered Covered
Hospital_network
(Number of Hospital Network in city)
11400+ 18400
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
Covered Not Covered
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
Not Covered Not Covered
Ambulance Charges
(Expenses incurred on ambulance charges)
Covered Not Covered
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
Covered Not Covered
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
Covered Not Covered
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Covered Covered
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Covered Applicable
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
Not Covered Applicable
Plan Entry Age 5 Years to No age limit 46 to 80 Years
Plan Premium Entry Age and S/A 11,076 18709
Plan Waiting Period 30 30 Days
Plan Coverage Hospitalization expenses, pre post expenses, daycare treatments, organ donor cover In-patient hospitalisation, Pre and post-hospitalisation, Daycare procedures, Domiciliary treatment, AYUSH treatment coverage
Plan Sample Premium 11,076 18709
Plan Brochure Brochure URL Brochure URL
Policy Term 1,2,3 Years 1 | 2 | 3 Years
ICU Charges Covered Covered
Covid-19 Treatment Covered Covered
Cataract Covered Covered
Automatic Restoration Covered Not Covered
Ayush Treatment Covered Not Covered
Modern Treatment Covered Covered
E Consultation Covered Not Covered
Air Ambulance Covered Not Covered
Global Coverage Not Covered Not Covered
Claim Ratio 97 99.23
Solvency Ratio 1.74 3.25
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