Care Plus Plan
  • Comprehensive coverage
  • No upper age limit
  • Variants on Sum Insured
Care Health Insurance
premium

Network hospitals

20800+

premium

Claim settlement ratio

100%

premium

Sum insured

1 CR

premium

No. of Plans

13

premium

Solvency Ratio

1.81

premium

Pan India Presence

-

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

20800+

premium

Claim settlement ratio

100%

premium

Sum insured

1 CR

premium

No. of Plans

13

premium

Solvency Ratio

1.81

premium

Pan India Presence

-

Care Plus Health Insurance

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 Plus Plan Specifications

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.

Read more specifications in the brochure.

Choose your Care Plus 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

What is Room Rent?

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:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Care Health Care Plus Plan?

Under Care Health Care Plus Plan, ICU charges

  • 2% of SI per day for SI<5L
  • No Limit for SI>= 5L
What are 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

  • 2% of SI per day for SI<5L
  • No Limit for SI>= 5L
What is Pre Hospitalization?

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.

What is Post Hospitalization?

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.

What is Domiciliary Hospitalization?

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.

What is Daycare Treatment?

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.

What are OPD charges?

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.

What is COVID-19 Treatment?

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.

What is Cataract Treatment?

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.

What is a No-Claim Bonus?

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.

What is Automatic Restoration?

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.

What is Daily Hospital Cash?

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.

What is an Organ Donor Cover?

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.

What is a Maternity Cover?

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.

  • INR 15K for SI <=5L
  • INR 25K for SI> 5L
What is a New Born Baby Cover?

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:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Care Health Care Plus Plan?

New Born Baby Cover is available if chosen as an optional benefit.

  • INR 15K for SI <=5L
  • INR 25K for SI> 5L
What is AYUSH Treatment?

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.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Care Health Care Plus Plan?

Not available.

What is a Modern Treatment?

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.

What is an Ambulance Cover?

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

What is an Air Ambulance?

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.

What is Compassionate Travel?

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

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Care Health Care Plus Plan?

Not available

What is E-Consultation?

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.

What is a Health Checkup?

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.

What is a Second Medical Opinion?

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).

What is Vaccination cover?

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.

What is Co-payment?

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.

What is the Sub limit?

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,

  • Room rent: 1% of SI per day for SI<5L/ Single Private AC Room for SI=>5L.
  • ICU charges: 2% of SI per day for SI<5L/ No Limit for SI>= 5L
  • Maternity and New Born Cover: INR 15K for SI <=5L / INR 25K for SI> 5L
  • Road Ambulance Covered Up to Rs.2,000 per hospitalization

Care Plus Plan Benefits

Tax Benefits

Get tax relief under section 80D

Discounts

Avail multiple discounts

International Opinion

Get international second opinion

Tax Benefits

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

Discounts

15% discount (Discount will be applicable on base benefit premium and optional Benefit: Maternity and newborn cover premium)

International Opinion

Care Plus provides you with the optional benefit of getting an international second opinion once per major illness/injury per policy year.

Wellness Programs

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

Health Services

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 Network Hospital List

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

Other Health Insurance Companies

Care Classic Plan Exclusions

Permanent Exclusions

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

Coverage after Waiting Period

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

Explore Care Health Insurance

Care health insurance has an easy and hassle-free buying and claim process. Know more about Care Health Insurance plans, claim process, buying process, and contact details of the company by clicking on the sections below:

Claim Process

Click to know Care Health Insurance Claim Process.

Buying Process

Click to know Care Health Insurance Buying Process.

Contact Us

Feel free to contact Care Health Insurance for more details.

Renewal Process

Click here to Renew Care Health Insurance Online

Premium Calculator

Click here to Care Health Insurance Premium Calculator

%

Claim Settlement Ratio

Click to know Care Health Insurance Claim Settlement Ratio

Explore Other Care Health Insurance Plan

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

  • Covers IVF treatment
  • Compassionate travel coverage
  • Unlimited e-consultation

Comprehensive health plan for people above 60 to make their second inning stress-free from health-related financial worries.

Unique Benefits

  • No pre-policy Medical Checkup
  • Lifelong Renewability
  • Automatic SI Recharge

Get medical coverage for pre-existing diseases like BP, diabetes without any waiting period by bearing a co-pay of 20-30%.

Unique Benefits

  • No pre-policy checkup needed
  • Dialysis cover available
  • Annual Health Checkup

A super top-up health insurance plan to provide extra medical cover on the basis of policy deductible principle.

Unique Benefits

  • Covers modern treatment
  • Flexible options of deductible
  • No pre-policy medical test

A maternity health insurance plan with child cover. This plan protects individuals and families during medical emergencies.

Unique Benefits

  • 100% increase in SI as NCB
  • Newborn Cover
  • 541 day care treatments covered

Enjoy the advantage of 1 crore cover and multiple benefits at lower monthly premiums with this affordable individual & family floater plan.

Unique Benefits

  • No bonus claim up to 50%
  • Automatic SI recharge
  • Organ donor cover

Care Arogya Sanjeevani

A standard comprehensive plan mandated by IRDAI that offers coverage for both Ayurvedic or Allopathic treatments.

Unique Benefits

  • AYUSH Treatment
  • Pre and Post hospitalization
  • 5% cumulative bonus

Care Cancer Mediclaim

Offers lifelong coverage against cancer and the cost of its treatment with several other benefits.

Unique Benefits

  • Annual Health Checkup
  • Chemo and radiotherapy cover
  • Air Ambulance Cover

Care Critical illness

Offers coverage against 32 critical illnesses that are pre-defined under the policy such as catastrophic burns, coma, etc.

Unique Benefits

  • Psychiatric Counselling
  • Dialysis Cover
  • Organ Donor Cover

Care for 45+

A comprehensive plan that takes care of your medical needs in your late 40s.

Unique Features

  • Organ Donor
  • Emergency Ambulance
  • Annual Health Checkup

Individuals with pre-existing cardiac diseases can get coverage against medical treatments by paying 20-30% of co-payment for every claim.

Unique Benefits

  • Cardiac Health Checkup
  • Second medical Opinion
  • Automatic SI Restoration

Extremely flexible family health plan, allowing you to increase SI amount based on inflation rates.

Unique Benefits

  • 200% increase in cumulative bonus
  • Earn rewards for being fit
  • Unlimited SI recharge

Health Insurance Articles

What is OPD Cover?

What is OPD Cover?March, 2022

Read Reviews & Ratings

Customer Review Image

Mahesh Malvesh

Delhi

September 14, 2022

Thanks Manoj for suggesting Best plan and even for your patience level with good knowledge and exp l..really happy to see policy x help and Good exp in industry.. Keep going Good always in fut...

Customer Review Image

Vidyut Sharma

Delhi

May 25, 2022

I am in love with the facilities Religare Health Insurance offers. It is one of the best health insurance companies available in the market at the moment. I would definitely recommend this to e...

Customer Review Image

Niyati

Rajkot

February 17, 2022

I am using their health insurance and used it for COVID19 treatment. I am so happy that covid treatment was handled by them. due to lockdown, i was facing money-related problems but their cashl...

Customer Review Image

Ram Dulari

Dehradun

August 16, 2021

Very nice company. I am very happy and fully satisfied with its services. God bless us all. 5 star to the whole team... WELL-DONE

Customer Review Image

Nayan

Guwahati

August 16, 2021

Religare Health Insurance is a nice company. and the way PolicyX.com helps its customers in understanding the process is commendable. I am very much impressed.

Customer Review Image

Manish Singhal

Ahmedabad

August 6, 2021

PolicyX helps me to find the best suitable plan for me and my family. They have a very professional salesperson and also I am very much happy with the service of Religare Health.

Customer Review Image

Sapna Khurana

Pune

August 6, 2021

One of the best health insurance company I have ever come across. Thank you PolicyX.com for assisting me at every step. I must say the team of PolicyX is very patient and hard-working. Thanks o...

Customer Review Image

Raj Kumar

Chandigarh

August 6, 2021

Received my reimbursement claim amount within a span of 8 days. Thank you POlicyX.com for helping me out in choosing such a great company. Keep up the good work Religare

View All Care Health Insurance Reviews