Network hospitals
20800+
Claim settlement ratio
100%
Sum insured
1 CR
No. of Plans
13
Solvency Ratio
1.81
Pan India Presence
-
PolicyX.com is a Recognised Care Partner View Certificate
Network hospitals
20800+
Claim settlement ratio
100%
Sum insured
1 CR
No. of Plans
13
Solvency Ratio
1.81
Pan India Presence
-
PolicyX.com is a Recognised Care Partner View Certificate
Care Plus health insurance is a complete healthcare plan which is loaded with features and protects you and your family. Care Plus offers comprehensive inflation-proof coverage and keeps you safe against a medical crisis. Care Plus is a unique plan that covers people of all age groups without any upper age limit. Care Plus Health Insurance offers 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. Moreover, Care Plus offers various add-on benefits like an international second opinion that allows the insured to avail a second opinion from a medical practitioner outside India for any specific major illness/injury and smart select which provides a customer with a 15% discount by getting treatment from selected network hospitals.
Care Health Insurance Plan Detailed Review
Care classic is a zone-based family health insurance plan that is ideal for joint families, married couples etc. To understand care classic plan and its eligibility in a better way. Take a look at the below table of its specifications:
Sum Insured
3 L | 5 L | 7 L | 10 L | 25 L
Plan Type
Individual/ Family Floater
Entry Age
91 Days to 24 Years
Adult Age
5 Years
Policy Term
1 | 2 | 3 Years
Initial Waiting Period
30 Days
*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.
With wide coverage options, Care Plus plan lets you customize your health insurance plan as per your requirements:
In-patient & Out-patient Coverage
Room Rent
Covered up to 1% SI
ICU Charges
Covered up to 2% SI
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 90 days
Domiciliary Hospitalization
Covered up to SI
Covered Treatment
Covered up to SI
OPD Charges
Covered
Coverage Terms
COVID-19 Treatment
Not Covered
Cataract
Not Covered
No Claim Bonus
50% of SI per year
Automatic Restoration
Applicable
Daily Hospital Cash
Not available
Organ Donor
Covered Up to SI
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Covered up to 10% of SI
IVF Treatment
Not Available
Modern Treatment
Covered up to SI
Emergency Coverage
Ambulance
Covered up to 2K
Air Ambulance
Covered up to SI
Compassionate Travel
Not Available
Global Coverage
Not available
Wellness Programmes
E-Consultation
Available
Health Check-Up
Available
Second Medical Opinion
Available
Vaccination
Not Available
Limitations
Co-payment
Applicable, 20% co-pay on all claims
Sub-limits
Available
In-patient & Out-patient Coverage
Room Rent
Covered up to 1% SI
ICU Charges
Covered up to 2% SI
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 90 days
Domiciliary Hospitalization
Covered up to SI
Daycare Treatment
Covered up to SI
OPD Charges
Covered
Coverage Terms
COVID-19 Treatment
Not Covered
Cataract
Not Covered
No Claim Bonus
50% of SI per year
Automatic Restoration
Applicable
Daily Hospital Cash
Not available
Organ Donor
Covered Up to SI
Maternity Cover
Up to INR 15K
New Born Baby Cover
Up to INR 15K
Alternative Treatments
AYUSH Treatment
Covered up to 10% of SI
IVF Treatment
Not Available
Modern Treatment
Covered up to SI
Emergency Coverage
Ambulance
Covered up to 2K
Air Ambulance
Covered up to SI
Compassionate Travel
Not Available
Global Coverage
Not available
Wellness Programmes
E-Consultation
Available
Health Check-Up
Available
Second Medical Opinion
Available
Vaccination
Not Available
Limitations
Co-payment
Applicable, 20% co-pay on all claims
Sub-limits
Available
In-patient & Out-patient Coverage
Room Rent
Single Private AC Room
ICU Charges
No limit
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 90 days
Domiciliary Hospitalization
Covered up to SI
Daycare Treatment
Covered up to SI
OPD Charges
Covered
Coverage Terms
COVID-19 Treatment
Not Covered
Cataract
Not Covered
No Claim Bonus
50% of SI per year
Automatic Restoration
Applicable
Daily Hospital Cash
Not available
Organ Donor
Covered Up to SI
Maternity Cover
Up to INR 15K
New Born Baby Cover
Up to INR 25K
Alternative Treatments
AYUSH Treatment
Not Available
IVF Treatment
Covered
Modern Treatment
Covered up to SI
Emergency Coverage
Ambulance
Covered up to 2K
Air Ambulance
Covered up to SI
Compassionate Travel
Not Available
Global Coverage
Not available
Wellness Programmes
E-Consultation
Available
Health Check-Up
Available
Second Medical Opinion
Available
Vaccination
Not Available
Limitations
Co-payment
Applicable, 20% co-pay on all claims
Sub-limits
Available
Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Coverage status under Care Health Care Plus Plan?
Under Care Health Care Plus Plan, ICU charges
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Care Health Care Plus Plan?
Under Care Health Care Plus Plan, ICU charges
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Care Health Care Plus Plan?
This plan covers medical expenses incurred during pre-hospitalization for up to 60 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Care Health Care Plus Plan?
This plan covers medical expenses incurred during post-hospitalization for up to 90 days.
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.
Coverage status under Care Health Care Plus Plan?
Under Care Health Care Plus Plan, domiciliary hospitalization is covered up to SI.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Care Health Care Plus Plan?
This plan covers the expenses of all daycare procedures up to SI.
The cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Care Health Care Plus Plan?
Covered under the plan.
Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under Care Health Care Plus Plan?
COVID-19 treatment coverage is not available under this plan.
A common eye condition in which your vision gets blurred.
Coverage status under Care Health Care Plus Plan?
The plan does not cover cataract treatment expenses.
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Care Health Care Plus Plan?
The cumulative bonus will be increased by 50% in respect of each claim-free policy year to a maximum of 200% of the sum insured.
Automatic restoration is a benefit in which the insurance company restores the total sum insured after it gets fully exhausted in treatments.
Coverage status under Care Health Care Plus Plan?
Applicable, unlimited automatic restoration is available under Care Plus Plan.
It is a cash amount that you will get each day during the time of hospitalization.
Coverage status under Care Health Care Plus Plan?
The daily hospital cash is not available.
Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Care Health Care Plus Plan?
Under the plan, Organ Donor expenses are covered up to SI.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under Care Health Care Plus Plan?
Maternity expense is covered if chosen as an optional benefit.
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new born cover and these common treatments can vary from plan to plan:
Coverage status under Care Health Care Plus Plan?
New Born Baby Cover is available if chosen as an optional benefit.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Care Health Care Plus Plan?
Covered Up to 10% of SI.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Care Health Care Plus Plan?
Not available.
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Care Health Care Plus Plan?
Under Care Health Care Plus Policy modern treatments are covered up to SI.
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under Care Health Care Plus Plan?
Covered Up to Rs.2,000 per hospitalization
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Care Health Care Plus Plan?
Covered Up to SI or a maximum of 5 Lacs per policy year, whichever is lower.
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under Care Health Care Plus Plan?
Not available
Any kind of medical/health emergency when you are outside of India.
Coverage status under Care Health Care Plus Plan?
Not available
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Care Health Care Plus Plan?
The plan covers the expenses for unlimited e-consultations with general physicians.
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under Care Health Care Plus Plan?
Under the Care Plus plan health checkup is available.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.
Coverage status under Care Health Care Plus Plan?
Available, once in a policy year (per member).
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Care Health Care Plus Plan?
The plan does not cover vaccination expenses.
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under Star Health Gain Plan?
Applicable, 20% co-pay on all claims in case treatment is taken in a non-smart select network hospital.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Coverage status under Star Health Gain Plan?
Applicable,
Tax Benefits
Get tax relief under section 80D
Discounts
Avail multiple discounts
International Opinion
Get international second opinion
Wellness Programs
Earn and Burn
Health Services
Online services
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
15% discount (Discount will be applicable on base benefit premium and optional Benefit: Maternity and newborn cover premium)
Care Plus provides you with the optional benefit of getting an international second opinion once per major illness/injury per policy year.
Care Plus offers a wellness program that rewards customers for staying and maintaining a healthy lifestyle further allowing them to Earn and Burn the reward points
Care Plus offers online health services through their health portal offering services like doctor on chat, healthy tips reminder, digital locker for medical records, etc. and offers discounts on services at our network.
Care Health Insurance promises a wide Network of cashless Hospitals across India. A well connected network of over 19000+ cashless hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in
Permanent diseases or health conditions that are not included under this plan are:
Hospitalization out of 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 under this plan after a certain time period. Read the details below:
Listed ailments after 24 Months
Pre-existing diseases after 36 Months
Maternity & New Born Cover (if opted) 24 Months
Care health insurance offers a total of 13 health insurance plans. Check below to know more about the other care health insurance plans offered by the company.
A comprehensive family floater plan that decides your policy premium based on the living cost of the city you reside in.
Unique Benefits
Comprehensive health plan for people above 60 to make their second inning stress-free from health-related financial worries.
Unique Benefits
Get medical coverage for pre-existing diseases like BP, diabetes without any waiting period by bearing a co-pay of 20-30%.
Unique Benefits
A super top-up health insurance plan to provide extra medical cover on the basis of policy deductible principle.
Unique Benefits
A maternity health insurance plan with child cover. This plan protects individuals and families during medical emergencies.
Unique Benefits
Enjoy the advantage of 1 crore cover and multiple benefits at lower monthly premiums with this affordable individual & family floater plan.
Unique Benefits
A standard comprehensive plan mandated by IRDAI that offers coverage for both Ayurvedic or Allopathic treatments.
Unique Benefits
Offers lifelong coverage against cancer and the cost of its treatment with several other benefits.
Unique Benefits
Offers coverage against 32 critical illnesses that are pre-defined under the policy such as catastrophic burns, coma, etc.
Unique Benefits
A comprehensive plan that takes care of your medical needs in your late 40s.
Unique Features
Individuals with pre-existing cardiac diseases can get coverage against medical treatments by paying 20-30% of co-payment for every claim.
Unique Benefits
A flexible health plan that covers advanced technology methods, unlimited e-consultations and personal accidents.
Unique Benefits
A unique healthcare plan offering extensive coverage to individuals and families under a single plan with affordable premiums.
Unique Features
See More Health Insurance Articles
See More Health Insurance Articles
Megha
Delhi
October 4, 2023
Very good insurance plans, required one for my whole family with a large sum insured and care provided me with the best options along with additional benefits.
Benji Soni
Allahabad
October 3, 2023
I vе had a smooth еxpеriеncе with thе add-on covеragе options availablе for spеcific diseases
Sunidhi Chauhan
Pune
October 3, 2023
Waiting pеriod for prе-еxisting disеasеs is rеasonablе and wеll-dеfinеd making it easy for me.
Praveen Rawat
Bhopal
October 3, 2023
Rеligarе Hеalth Insurancе valuеs customеr fееdback and continuously improvеs its sеrvicеs.
Anjali Rohit
Gandhinagar
October 3, 2023
Rеligarе Hеalth Insurancе valuеs customеr fееdback and continuously improvеs its sеrvicеs.
Anika
Mumbai
October 3, 2023
I needed assistance regarding my health insurance plan for renewal and care health insurance customer support offered the best assistance
Ankit Oberai
Delhi
October 3, 2023
I bought an individual super top-up health plan from care in addition to my corporate health plan and it has provided me with more than enough coverage
Simran Kaur
Delhi
October 3, 2023
The company has a wide range of health insurance products and can be customized with add-ons and riders. I bought a family health plan that covers my spouse and kids under one plan
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