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 22000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

22000

Network Hospitals

8.6

Customer Rating

Policy Brochure

Get a Quote

96

Claim Settlement Ratio

22000

Network Hospitals

8.6

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Care Health Insurance

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...

Plus Ratings

Plus

Insurer Rating

5.69

out of 10

Insurance Rating

6.75

out of 10

No Room Rent Limit

Add on

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

Add on

Waiting Period Waiver

Add on

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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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.

Cashless Healthcare Providers

24800 + network hospitals

Waiting Period

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

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.

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.