Care Plus Health Insurance Plan

4.5

Paybima Rating

Policy Brochure

Policy Wording

Claim Form

Care Plus health insurance plan from Care Health Insurance Company is a policy designed exclusively for people above the age of 36 years. This plan comes with no upper age limit and offers all-inclusive inflation proof coverage. Care plus levy no co-payment clause on the insured while keeping them secure against health crisis.

Highlights of Care Plus (Care Health Insurance Company)

Claim settlement ratio – 100 %

NCB* - 50% of SI, up to 200%* (in 5 consecutive years)

PED Waiting# - 48 months

Network Hospital – 24800+

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Care Plus: Highlights

Care Plus is a health insurance plan designed carefully with rising inflation in mind. Here’s a table for you to take a quick look at the plan highlights:

Particulars	Details
Policy Name	Care Plus
Insurance Company	Care Health Insurance
Sum Insured	Starting from ₹3 lakhs upto ₹25 lakhs
Add-Ons	Covid Care No Claim Bonus Super Reduction in Waiting Period OPD Care
Tenure Options	1, 2 and 3 years
Waiting Period	The Initial Waiting Period is 30 days For Named Ailment- 24 months For Pre-Existing Diseases- 36 months For Maternity and Newborn Coverage - 24 months

Pros & Cons of Care Plus (Care Health Insurance Company)

Care Plus Plan is available on an individual and family floater basis

The sum assured of the plan ranges from INR 3 lakh to INR 25 lakh

The Plan offer 10% renewal discount once the insured turns 40, for the policyholder entering the plan by 36 and above years

The plan allows NCB or No Claim Bonus protection for every claim free year

It also offers protection against personal accident for the key insured person up to the Sum Insured amount

Care plus plan do not cover expenses for any self-inflicted injury like attempting suicide, suicide etc.

Expenses for injuries caused by the consumption of excessive alcohol or drug misuse are not covered by the plan

The plan does not include cosmetic surgeries like plastic surgery, cosmetic treatment and implants etc.

Exclusion is also there for expenses caused by injuries due to war, riot, use of nuclear weapons etc.

Our verdict

Care Health Insurance is a popular brand in India's health insurance industry. Through its exceptional customer care services and various health insurance plans, the company has gained a wide customer base. Additionally, with a large network of hospitals, ranging over 24,800, it becomes easier for people to opt for cashless treatment, which makes the treatment more affordable.

Opting for a high sum insured in health insurance, like the Care Advantage plan, is a proactive step toward financial well-being, safeguarding both health and wealth in the long run. It becomes possible for families to get quality healthcare services affordably.

If you haven’t done it already, get your health insurance policy from PayBima today!

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Care Health
Insurance Company

Care Health Insurance Company (Formerly known as Religare Care Health Insurance Company Limited) is a part of Religare Group established in July 2012. It is a direct subsidiary company of Religare Enterprises Limited. Care Health is a leading player in the health insurance industry of India. It is a specialised health insurance provider offering a suite of insurance solutions in the retail segment. Its plans include International Travel Insurance, Health Insurance, Personal Accident, Critical Illness and Top-up coverage along with Group Health Insurance for Corporates and Companies.

Founded in

2012

Claim Incurred ratio

53.82%

Number of Policies

2,635,587

Turnover (GWP)

Rs 5,141.53 CR

JV Partners

Religare Enterprises Limited, Union Bank of India, and Corporation Bank.

Claims Experience

Claims Experience Rating 4.7

% of claims settled in less than 30 days
Reflects on the speed of settling valid claims

99.99%

% of Complaints received on overall claims
% customers unhappy with claims experience

0.51%

Claims Incurred Ratio

56.19%

Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?

100%

No. of Cashless Hospitals

24800+

Benefits of Care Plus (Care Health Insurance Company)

In-patient Hospitalization
ICU Rent Limit	2% of SI per day – No limit
Room Rent Limit	1 % of SI per day
Pre & Post Hospitalization
Post-hospitalization expenses are covered	Up to the Sum Insured
Post-hospitalization expenses are covered for up to	90 days after the date of discharge from the hospital
Pre-hospitalization expenses covered	up to the Sum Insured
Pre-hospitalization expenses are covered up to	60 days before hospitalization
Day Care Treatment
Financial Limit	Up to SI or sum insured
No. of treatments covered	541+ Daycare treatments covered

Top Health Insurance Plans by Care Health Insurance Company

Care Classic Insta

Care Supreme

Care Advantage

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Care Plus is an indemnity-based health insurance plan that is designed for people aged 36 and above with no upper age limit.

The minimum age limit of Care Plus Plan for children is 91 days and up to 24 years on a family floater basis, whereas in the case of adults there is no upper limit of age. But the age of the proposer has to be 18 years and above.

Care health insurance policy has tied-up with over 8350+ hospital network across India

The Care Plus policy doesn’t require any pre-policy medical check-up. But the policy seeker might have to undergo tele-underwriting with certain specific tests included in it.