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Reviewed by Finzony Finance TeamLast updated:
Care Plus is a comprehensive health insurance plan from Care Health Insurance designed for individuals and families who want lifelong health cover without an upper age limit. The current Care Plus product page offers sum insured options from ₹3 lakh to ₹25 lakh and supports both individual and family floater coverage. The plan combines hospitalisation cover with outpatient benefits, annual health check-ups, unlimited automatic recharge, No Claim Bonus Protect, inflation protection, personal accident cover, AYUSH treatment, organ donor cover, domiciliary hospitalisation, ambulance assistance, air ambulance cover and unlimited e-consultations. It also includes an Earn & Burn wellness programme and health-service benefits. For hospitalisation, eligible in-patient treatment, day-care procedures and specified advanced technology treatments are covered up to the sum insured. Pre-hospitalisation expenses are covered for 60 days and post-hospitalisation expenses for 90 days. The plan also provides annual health check-ups for insured members, unlimited automatic recharge and a No Claim Bonus that can increase the sum insured by 50% for every claim-free year, up to 200% of the sum insured. Care Plus also has outpatient benefits. Depending on the sum insured, outpatient consultations and specified dental and ophthalmic treatments are covered up to the applicable limits. Personal accident cover is available for the primary insured member, with accidental death and permanent total disablement benefits subject to the policy terms. The plan has no upper age limit for adults and offers lifelong renewal. The current product page states an individual minimum entry age of 36 years, while a family floater can include a child from 91 days provided at least one member meets the required adult age. Policy tenure options are 1, 2 and 3 years.
Comprehensive cover with outpatient dental and eye benefits and personal accident cover
Finzony sees Care Plus as a broad, everyday health insurance plan rather than a specialised senior or disease-specific product. Its biggest strengths are the combination of hospitalisation, OPD, dental and eye benefits, personal accident protection, unlimited recharge, inflation protection and a no-upper-age-limit structure. The plan is particularly useful for families that want more than just hospitalisation cover. The outpatient consultation benefit, dental and ophthalmic treatment, annual health check-up, unlimited e-consultation and Earn & Burn programme make the plan useful for routine healthcare as well as major hospital expenses. The unlimited automatic recharge is another major advantage because the sum insured can be restored according to policy terms even after the original cover is exhausted. The current product information also states that the recharge can apply to the same related illness, subject to the policy conditions. The main limitations are the waiting periods and the benefit-specific limits. Pre-existing diseases have a 36-month waiting period, while listed conditions and procedures have a 24-month specific waiting period. The optional Reduction in PED Wait Period cover can reduce the applicable PED wait to 24 months. Outpatient benefits are also capped according to the selected sum insured. Care Plus therefore works best for buyers who want a single comprehensive plan covering hospitalisation and several routine healthcare needs, while understanding that OPD, NCB Super and reduced PED waiting periods may involve separate limits or optional covers.
Care Health Insurance
Key Insights
Founded
2012
Care Health Insurance was established 14 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
95.2% CSR, calculated as a 3-year average
Care Health Insurance settles 95.2% of all claims it receives, demonstrating strong credibility.
Network Hospitals
11,400+
Care Health Insurance has a network of 11,400+ hospitals, ensuring wide accessibility and convenience for policyholders.
Care Plus allows adult entry without an upper age limit and provides lifelong renewal, subject to policy terms.
The current product page lists a minimum individual entry age of 36 years and allows a child from 91 days on a floater when at least one member meets the adult age requirement.
The current Care Plus product page shows sum insured options from ₹3 lakh to ₹25 lakh, including ₹3L, ₹5L, ₹7L, ₹10L and ₹25L.
The plan card uses ₹3L–₹25L as the displayed coverage range.
Eligible hospitalisation expenses requiring more than 24 hours of hospitalisation are covered up to the selected sum insured, subject to policy terms and applicable limits.
Room, ICU and other benefit-specific limits can apply depending on the selected sum insured.
Eligible day-care procedures that do not require a 24-hour hospital stay are covered up to the sum insured. Care lists 541 day-care procedures on its current product page.
Coverage remains subject to the procedure list and policy terms.
Specified advanced technology treatments are covered up to the sum insured under the hospitalisation benefit.
Only the technologies and treatments recognised under the policy are covered.
Adds another 50% of the sum insured for every claim-free year, up to an additional 100%, subject to the optional cover terms.
This is over and above the base No Claim Bonus Protect and carries separate optional-cover conditions.
Reduces the applicable pre-existing disease waiting period from 36 months to 24 months.
The current Care Plus product page lists this as an optional cover and it needs to be selected according to the applicable policy conditions.
Initial waiting period is 30 days for illnesses, except accidents. Listed specific diseases and procedures have a 24-month waiting period. Pre-existing diseases have a 36-month waiting period. The optional Reduction in PED Wait Period cover can reduce the PED waiting period to 24 months.
Initial waiting period
Illnesses are generally not covered during the first 30 days from the first policy commencement date. Accidental injury claims are exempt from this waiting period, subject to coverage.
Named ailments and procedures
Specified conditions and procedures are subject to a 24-month continuous coverage waiting period. The waiting period does not apply to claims arising due to an accident.
Pre-existing diseases
Treatment for a pre-existing disease and its direct complications is excluded until 36 months of continuous coverage. The disease must have been declared and accepted by the insurer.
PED reduction add-on
The optional Reduction in PED Wait Period cover can reduce the applicable PED waiting period from 36 months to 24 months.
Conditions or treatments that the policy clearly says it will not cover.
The 24-month specific waiting period applies to listed conditions and procedures including arthritis, osteoarthritis, osteoporosis, gout, rheumatism, spinal disorders, joint replacement surgery, arthroscopic knee procedures, selected ENT surgeries, benign prostatic hypertrophy, cataract, dilatation and curettage, anal fissure/fistula and piles, genito-urinary surgery, hernia and hydrocele, hysterectomy for specified indications, benign tumours/cysts/polyps, kidney and gall bladder stones, myomectomy, varicose veins and Parkinson's/Alzheimer's disease or dementia. The longer PED waiting period applies where the condition is also pre-existing.
Insurer
Care Health Insurance plans and claim process
Care Plus is a comprehensive health insurance plan from Care Health Insurance offering hospitalisation and day-care cover along with OPD benefits, personal accident cover, unlimited recharge, annual health check-up, AYUSH treatment, organ donor cover, inflation protection and unlimited e-consultation.
No. Care Plus has no upper age limit for adult entry and offers lifelong renewal, subject to policy terms.
The current Care Plus product page lists 36 years as the minimum individual entry age. A family floater can include a child from 91 days provided at least one member meets the applicable adult age requirement.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Care Health Insurance website before purchasing.
Contact Details
1800 102 6655
Headquarters: Tower C, 3rd Floor, Vipul Tech Square, Golf Course Road, Sector 43, Gurugram, Haryana – 122009
The aforementioned ratios have been averaged over three years (FY24-FY26)
Optional OPD Care extends outpatient protection for eligible doctor consultations, pharmacy expenses and investigative tests according to the selected cover limit.
The amount and claim conditions depend on the OPD Care option selected.
Optional COVID Care covers eligible hospitalisation, day-care and quarantine expenses related to COVID-19 according to the add-on terms.
This benefit is subject to the COVID Care add-on wording and its specific limits.
Smart Select can provide a premium discount when treatment is taken through the specified Smart Select hospital network.
Treatment outside the specified network can attract an additional co-payment according to the selected optional benefit terms.
The optional room-rent modification can change the eligible room category according to the selected benefit.
The applicable premium and room category depend on the option shown in the policy schedule.
Air ambulance transportation following an eligible medical emergency is available up to the sum insured or ₹5 lakh per policy year, whichever is lower.
Availability and claim conditions are subject to the applicable policy terms.
Increase in sum insured
If the sum insured is increased, the applicable waiting-period exclusion applies afresh to the increased portion of the sum insured.
The current Care Plus product page shows coverage ranging from ₹3 lakh to ₹25 lakh, including ₹3L, ₹5L, ₹7L, ₹10L and ₹25L options.
Yes. Care Plus provides outpatient consultation benefits at applicable sum insured levels and also covers specified outpatient dental and ophthalmic treatments. Higher OPD requirements can be addressed through the optional OPD Care add-on.
The standard waiting period for pre-existing diseases is 36 months of continuous coverage. The optional Reduction in PED Wait Period cover can reduce this to 24 months.
Specified named diseases and procedures have a 24-month waiting period. This includes conditions and procedures such as cataract, hernia, joint replacement, selected ENT procedures, kidney stones and other listed conditions.
Yes. There is a 30-day initial waiting period for illnesses from the first policy commencement date. Claims arising due to accidents are not subject to this initial illness waiting period, subject to the policy terms.
Yes. Unlimited Automatic Recharge can restore the sum insured up to its amount an unlimited number of times according to the policy terms. Current Care information also states that the benefit can apply to the same related illness.
No Claim Bonus Protect increases the sum insured by 50% for each claim-free policy year, up to a maximum of 200% of the sum insured. The accrued bonus can reduce after a claim according to the applicable terms.
Yes. Personal accident cover is available for the primary insured member. Accidental death can be covered up to 100% of the sum insured and permanent total disablement can be covered up to 100%, subject to the policy terms.
Yes. Specified outpatient dental and ophthalmic treatment is included at applicable sum insured levels. The benefit has defined monetary limits, so it is not unlimited dental or eye coverage.
Yes. Eligible AYUSH treatment including Ayurveda, Siddha, Unani and Homeopathy is covered according to the applicable policy conditions and limits.
No. Pregnancy, childbirth, miscarriage, abortion and related expenses are listed among the exclusions of the Care Plus product. Buyers specifically looking for maternity cover should compare Care's maternity-focused products.
For planned hospitalisation, Care advises intimating the insurer at least 48 hours before admission. For an emergency, intimation should be made within 24 hours of hospitalisation. Cashless claims are processed through the network hospital and reimbursement claims are submitted with the required claim documents.