How does the waiting period affect my coverage?

The Care Plus plan has a 30-day waiting period for general claims, 36 months for pre-existing conditions, and 2-4 years for specific illnesses, ensuring fair risk management.

What if I don’t use my health insurance benefits for the entire year?

A No Claim Bonus increases your sum insured by 25% per claim-free year, up to 150%, enhancing future coverage without additional premium costs.

Does the Care Plus plan cover treatment abroad?

The plan covers treatment within India. International coverage may be available through optional add-ons or separate global health insurance policies.

OneAssure

Health Insurance

Care

Plus

Care Plus Plan

Experience India's most trusted health insurance with Care Health Insurance. Get instant cashless treatment at 19000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

19000

Network Hospitals

8.6

Customer Rating

Get a Quote

96

Claim Settlement Ratio

19000

Network Hospitals

8.6

Customer Rating

Our Verdict

Expert Review: Care Health Insurance

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Final Verdict

Care Plus offers up to ₹25 lakh coverage with benefits like unlimited recharge, 200% No Claim Bonus, and e-consultations. Ideal for families and seniors, though add-ons and advanced treatment options may increase premiums.

About

About Care Health Insurance

Care Plus by Care Health Insurance offers extensive coverage with no upper age limit and sum insured options from ₹3 lakh to ₹25 lakh. It covers hospitalization, daycare treatments, organ donor expenses, domiciliary hospitalization, and advanced treatments like robotic surgeries. Benefits include annual health check-ups, unlimited sum insured recharge, and a No Claim Bonus of up to 200%. Additional features include AYUSH coverage, personal accident cover, e-consultations, and optional add-ons like maternity cover. Discounts are available for online purchases and family coverage.

Care Plus by Care Health Insurance offers extensive coverage with no upper age limit and sum insured options from ₹3 lakh to ₹25 lakh. It covers hospitalization, daycare treatments, organ donor expenses, domiciliary hospitalization, and advanced treatments like robotic surgeries. Benefits include annual health check-ups, unlimited sum insured recharge, and a No Claim Bonus of up to 200%. Additional features include AYUSH coverage, personal accident cover, e-consultations, and optional add-ons like maternity cover. Discounts are...

Inclusions and Exclusions

Inclusions and Exclusions of Care Insurance Company Limited

Room Rent

Normal: eligible to opt for a single A/C room or any low category room.
ICU: No limit, the plan will cover the entire costs without restrictions

Advanced Treatments

Provides coverage for advanced treatments like;
Deep brain stimulation
Oral chemotherapy
Uterine artery embolization
HIFU
Robotic surgeries And many more.

Co-payment

Mandatory copayment limit of 20% for individuals above the age of 61.

Waiting Period

Specific illness waiting period for 2 years or 24 months
Pre-existing disease waiting period for 3 years
30 day waiting period

Cashless Healthcare Providers

24800 + network hospitals

Daycare Treatment

3 - 7 lacs sum insured for up to 24 hour hospitalization.

AYUSH Treatment

3 - 7 lacs sum insured for any non allopathic treatment covered by AYUSH.

Room Rent

Normal: eligible to opt for a single A/C room or any low category room.
ICU: No limit, the plan will cover the entire costs without restrictions

Advanced Treatments

Provides coverage for advanced treatments like;
Deep brain stimulation
Oral chemotherapy
Uterine artery embolization
HIFU
Robotic surgeries And many more.

Co-payment

Mandatory copayment limit of 20% for individuals above the age of 61.

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Exclusions

Congenital external anomalies, genetic disorders (unless covered).
Medical expenses for conditions existing before policy inception are typically excluded for a specified waiting period.
Certain treatments and diseases are not covered during initial periods after the policy starts, such as the first 30 days for general illnesses and up to 48 months for specific conditions
Expenses related to infertility tests and treatments, including in vitro fertilization, are typically not covered.
Expenses for psychiatric treatments and mental health conditions are often excluded.

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About the company

Carе Hеalth Insurancе (formеrly known as Rеligarе Hеalth Insurancе) is onе of India’s most trustеd and customеr-cеntric hеalth insurancе companiеs. It is dеdicatеd to providing comprеhеnsivе and affordablе hеalth covеragе that hеlps individuals and familiеs stay financially sеcurе during mеdical еmеrgеnciеs.
Carе Hеalth offеrs a widе rangе of plans tailorеd for individuals, familiеs, sеnior citizеns, and corporatе groups. Each policy is thoughtfully dеsignеd to covеr hospitalization еxpеnsеs, surgеriеs, daycarе procеdurеs, and both prе- and post-hospitalization costs. Thе insurеr also providеs global covеragе options, wеllnеss-basеd bеnеfits, and top-up plans to еnhancе protеction basеd on spеcific hеalthcarе nееds.

Carе Hеalth Insurancе (formеrly known as Rеligarе Hеalth Insurancе) is onе of India’s most trustеd and customеr-cеntric hеalth insurancе companiеs. It is dеdicatеd to providing comprеhеnsivе and affordablе hеalth covеragе that hеlps individuals and familiеs stay financially sеcurе during mеdical еmеrgеnciеs. Carе Hеalth offеrs a widе rangе of plans tailorеd for individuals, familiеs, sеnior citizеns, and corporatе groups. Each policy is thoughtfully dеsignеd to covеr hospitalization еxpеnsеs, surgеriеs, daycarе procеdurеs, and both prе- and post-hospitalization...

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.