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Care Plus Plan

Care Plus Health Insurance is a comprehensive plan for individuals and ...Read More

Up to 1 Cr
Sum insured
158+
Pan India presence
96.6%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,725 reviews
🏥 22,100+ hospitals
📊 1.74 solvency ratio
✅ 96.6% claim settlement
Written by Simran saxena
Reviewed by Raj Kumar
Published: 19 Nov 2024
Updated: 27 Jul 2026
Expert Verified
IRDAI Licensed

Overview

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:

  • Latest technology treatments
  • Outpatient dental and ophthalmic treatments
  • Personal accident cover
  • Unlimited e-consultation
  • Health programs that offer rewards

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:

  • International Second Opinion: Allows the insured to avail a second opinion from a medical practitioner outside India for any specific major illness/injury.
  • Smart Select: Offers customers a 15% discount by getting treatment from selected network hospitals.

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Care Health Insurance Plan Detailed Review

Care Health Insurance Plan Detailed Review

Know the detailed review of care health insurance plans in Hindi. This video will explain all the available plans and care health insurance offers.

Care Plus Plan Benefits

Tax Benefits

The premium paid for this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Discounts

A 15% discount is applicable on the base benefit premium and optional Maternity and Newborn Cover premium.

International Opinion

Care Plus offers the optional benefit of an international second opinion once per major illness/injury per policy year.

Wellness Programs

Care Plus provides a wellness program that rewards customers for maintaining a healthy lifestyle, allowing them to earn and redeem reward points.

Health Services

Care Plus offers online health services through its health portal, including doctor on chat, healthy tips reminders, and a digital locker for medical records. It also provides discounts on services at its network.

Exclusions

  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and abortion
  • Congenital disease
  • Infertility and in vitro fertilization
  • Listed ailments after 24 months
  • Pre-existing diseases after 36 months

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
5 Years to No age limit
Plan type
Individual and Family Health Insurance
Sum insured options
₹3 L, ₹5 L, ₹7 L, ₹10 L, ₹25 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1,2,3 Years

*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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Ambulance cover
  • Day care treatments
  • Domiciliary hospitalization

Cons

  • Illegal activities
  • alcohol abuse
  • obesity treatment

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Care Health Insurance Network Hospital List

Care Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 5 Years
  • Max entry age: No limit
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 25 L

Frequently Asked Questions

The 3 most-asked questions about Care Plus Plan, answered.

The sum insured options available are 3 to 25 L.
18 years is the entry age for the Care Plus plan.
The Care Plus plan provides 1/2/3 Years policy tenure.

Conclusion

A comprehensive plan offering modern benefits and wide coverage, suitable for families.

Explore Care Health Insurance

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