Question 1

What is the minimum and maximum entry age for Care Plus by Care Health Insurance?

Accepted Answer

Care Plus allows adults to enter from 18 years of age and dependent children from 3 months. There is no fixed maximum entry age, but policy issuance depends on underwriting approval and medical disclosures.

Question 2

Till what age can my child stay covered under Care Plus?

Accepted Answer

Dependent children can remain covered under Care Plus until 25 years of age, provided they are unmarried and financially dependent on the primary policyholder, as per policy eligibility rules.

Question 3

Are unmarried children eligible under Care Plus?

Accepted Answer

Yes, unmarried and financially dependent children are eligible for coverage under Care Plus until they reach the maximum dependent age specified in the policy terms and conditions.

Question 4

Can I add a new family member later under Care Plus?

Accepted Answer

Yes, new family members such as spouse, children, or parents can be added at the time of policy renewal or defined life events, subject to underwriting and insurer approval.

Question 5

Can my spouse and children be covered under a single sum insured in Care Plus?

Accepted Answer

Yes, Care Plus offers a family floater option that allows you, your spouse, and dependent children to share one common sum insured under a single policy.

Question 6

Can I cover my parents under Care Plus?

Accepted Answer

Yes, parents and parents-in-law can be covered under Care Plus, subject to age eligibility, medical underwriting, and acceptance criteria defined by the insurer.

Question 7

Can family members be added mid-term under Care Plus?

Accepted Answer

Family members are generally added only at renewal or during specific life events like marriage or childbirth, subject to underwriting approval and policy conditions.

Question 8

What is the PED waiting period after porting into Care Plus?

Accepted Answer

After porting, only the remaining waiting period needs to be completed, taking into account the duration already served under your previous health policy.

Question 9

What is the PED waiting period if I port to Care Plus from another insurer?

Accepted Answer

When porting to Care Plus, the waiting period already served under your previous insurer is credited, reducing the remaining waiting period under this policy.

Question 10

Can I port my existing health policy to Care Plus by Care Health Insurance?

Accepted Answer

Yes, you can port your existing health insurance policy to Care Plus while retaining continuity benefits such as waiting period credits, subject to underwriting approval.

Question 11

What unique benefits does Care Plus by Care Health Insurance offer compared to other policies?

Accepted Answer

Care Plus stands out with flexible sum insured options, wellness benefits, optional OPD coverage, chronic disease support, and comprehensive hospitalisation protection.

Question 12

Does Care Plus come with any disease-wise sub-limits?

Accepted Answer

Care Plus generally does not impose disease-wise sub-limits for core hospitalisation benefits, offering broader claim flexibility unless specified otherwise in the policy wording.

Question 13

Are room rent or ICU charges capped in Care Plus?

Accepted Answer

Care Plus typically does not cap room rent or ICU charges, allowing policyholders to choose suitable accommodation without proportionate deduction in claims.

Question 14

Is co-payment compulsory or optional under Care Plus?

Accepted Answer

Co-payment may apply based on age or underwriting conditions, but it is usually optional and clearly mentioned in the policy document.

Question 15

Does Care Plus offer a No-Claim Bonus (NCB)?

Accepted Answer

Yes, Care Plus offers a No-Claim Bonus that increases the sum insured for every claim-free year, enhancing coverage without proportionate premium increase.

Question 16

Does Care Plus provide any loyalty bonus?

Accepted Answer

Loyalty benefits such as wellness rewards or renewal incentives may be offered, encouraging long-term policy continuation and proactive health management.

Question 17

Are preventive health check-ups included in all sum insured options under Care Plus?

Accepted Answer

Yes, preventive health check-ups are included across all sum insured options, helping policyholders monitor health proactively and detect issues early.

Question 18

Is there a grace period for renewing Care Plus after expiry?

Accepted Answer

Yes, Care Plus offers a grace period of around 30 days after policy expiry, allowing renewal without losing continuity benefits, though coverage may pause temporarily.

Question 19

What are the available sum insured options under Care Plus?

Accepted Answer

Care Plus offers multiple sum insured options across different coverage levels, allowing you to choose protection based on your healthcare needs, family size, and financial planning goals.

Question 20

Does Care Plus offer maternity and newborn benefits?

Accepted Answer

Yes, Care Plus includes maternity and newborn benefits, covering delivery-related expenses and newborn care, after the applicable waiting period has been completed under the policy.

Question 21

Are pregnancy-related complications covered under Care Plus?

Accepted Answer

Pregnancy-related complications are covered once the maternity waiting period is completed, provided the treatment meets medical necessity and eligibility criteria specified in the policy.

Question 22

Are daycare procedures covered in Care Plus?

Accepted Answer

Yes, Care Plus covers a wide range of medically necessary daycare procedures that do not require 24-hour hospitalisation, as listed in the policy documentation.

Question 23

Are pre- and post-hospitalisation expenses covered under Care Plus, and for how many days?

Accepted Answer

Pre-hospitalisation expenses are covered for defined days before admission, and post-hospitalisation expenses are covered after discharge, as long as they relate to a covered hospitalisation claim.

Question 24

Does Care Plus include OPD coverage?

Accepted Answer

Yes, Care Plus offers optional OPD coverage that helps pay for outpatient consultations, diagnostic tests, and prescribed medicines, within defined annual limits under the policy.

Question 25

Are room rent or ICU charges capped under Care Plus?

Accepted Answer

Care Plus generally does not impose strict room rent or ICU sub-limits, allowing flexibility in room selection without triggering proportionate deductions during claim settlement.

Question 26

Is chemotherapy covered under Care Plus?

Accepted Answer

Yes, chemotherapy and related cancer treatments are covered under Care Plus when medically necessary and provided as part of an eligible inpatient hospitalisation claim.

Question 27

Are lifestyle diseases like diabetes or hypertension covered from day 1 under Care Plus, or after a waiting period?

Accepted Answer

Lifestyle diseases such as diabetes and hypertension are covered after completing the applicable waiting period, after which related hospitalisation expenses become eligible for claims.

Question 28

Does Care Plus include mental health treatments or counselling?

Accepted Answer

Yes, hospitalisation for mental health conditions is covered under Care Plus, in accordance with regulatory guidelines and the policy’s inpatient treatment definitions.

Question 29

Does Care Plus cover AYUSH/alternative treatments?

Accepted Answer

Yes, Care Plus covers inpatient AYUSH treatments such as Ayurveda, Homeopathy, and Unani when taken at recognised and accredited treatment centres, subject to policy terms.

Question 30

Are diagnostic tests and pathology covered under Care Plus?

Accepted Answer

Diagnostic tests and pathology expenses are covered when they form part of an admissible hospitalisation or related pre- and post-hospitalisation treatment under the policy.

Question 31

Is ambulance service covered under Care Plus, and what is the limit?

Accepted Answer

Ambulance charges are covered up to specified limits per hospitalisation, provided the service is medically necessary and directly linked to an admissible claim.

Question 32

Is organ donor surgery covered under Care Plus?

Accepted Answer

Yes, organ donor surgery expenses are covered when medically necessary and associated with a valid organ transplant hospitalisation claim under the policy terms.

Question 33

Are congenital conditions covered for children under Care Plus?

Accepted Answer

Congenital external conditions are covered, while congenital internal conditions are covered after completing the applicable waiting period specified in the policy.

Question 34

Does Care Plus cover vaccinations for adults and children?

Accepted Answer

Routine vaccinations are not standard benefits, although certain preventive vaccinations may be covered under wellness or preventive care features if specified in the policy.

Question 35

Does Care Plus provide international coverage?

Accepted Answer

Care Plus primarily offers domestic medical coverage within India. International treatment coverage is available only if explicitly included under optional global extensions or riders.

Question 36

Are occupational hazards or accident-related injuries covered under Care Plus?

Accepted Answer

Yes, hospitalisation due to accidental injuries, including those arising from occupational hazards, is covered under Care Plus, subject to policy exclusions and admissibility rules.

Question 37

Are cosmetic or plastic surgeries covered under Care Plus, and under what conditions?

Accepted Answer

Cosmetic or plastic surgeries are covered only when medically necessary due to accidents, illness, or congenital defects, and not for elective or aesthetic procedures.

Question 38

Does Care Plus include chronic disease management support?

Accepted Answer

Yes, Care Plus includes chronic disease management support, helping policyholders manage long-term conditions through defined coverage, monitoring, and structured healthcare benefits.

Question 39

Are wellness, fitness, or reward-based benefits included in Care Plus?

Accepted Answer

Yes, Care Plus includes wellness benefits such as preventive health check-ups and fitness-related incentives, encouraging healthier lifestyles and early detection of medical conditions.

Question 40

Does Care Plus provide any death benefit?

Accepted Answer

No, Care Plus does not offer a death benefit, as the policy is designed solely to cover medical treatment and hospitalisation expenses.

Question 41

What are PEDs, and when are they covered under Care Plus?

Accepted Answer

Pre-existing diseases are conditions present before policy purchase and are covered only after completing the waiting period specified in the policy terms.

Question 42

Is day-1 PED coverage available under Care Plus?

Accepted Answer

No, Care Plus does not offer day-one coverage for pre-existing diseases, and such conditions become eligible for coverage only after the waiting period is served.

Question 43

What is the waiting period for PEDs under Care Plus?

Accepted Answer

The waiting period for pre-existing diseases under Care Plus is typically 36 months from the policy start date before related claims become admissible.

Question 44

Does Care Health Insurance offer top-up or super top-up options along with Care Plus?

Accepted Answer

Yes, Care Health Insurance offers top-up and super top-up plans that can be purchased alongside Care Plus to enhance overall coverage beyond the base sum insured.

Question 45

Does Care Plus offer cashless hospitalisation?

Accepted Answer

Yes, Care Plus provides cashless hospitalisation at a wide network of empanelled hospitals, subject to pre-authorisation and compliance with policy terms.

Question 46

How long does Care Health Insurance take to approve cashless claims for Care Plus?

Accepted Answer

Cashless claims are usually approved within a few hours once the hospital submits complete pre-authorisation requests and supporting medical documents.

Question 47

What documents are required to file a claim under Care Plus?

Accepted Answer

Claim documents include a completed claim form, discharge summary, hospital bills, prescriptions, diagnostic reports, identity proof, and any additional documents requested by the insurer.

Question 48

Is pre-authorisation mandatory for hospitalisation under Care Plus?

Accepted Answer

Yes, pre-authorisation is mandatory for planned hospitalisation to avail cashless benefits, while emergency hospitalisation must be notified within stipulated timelines.

Question 49

How many claims can I make in one policy year under Care Plus?

Accepted Answer

There is no limit on the number of claims you can make in a policy year, provided the total claim amount does not exceed the available sum insured.

Question 50

Is the hospital network list available for Care Plus, and can I avail treatment outside the network?

Accepted Answer

Yes, Care Plus provides access to a network hospital list for cashless treatment, while non-network hospital treatment is allowed through reimbursement claims.

Question 51

What is the claim settlement ratio of Care Health Insurance for Care Plus?

Accepted Answer

Care Health Insurance maintains a strong overall claim settlement performance, reflecting timely processing, efficient service, and reliable customer support across its products.

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Expert Review: Care Plus

Final Verdict

What Is Plus?

Plus

Insurer Rating

7.51

Insurance Rating

6.75

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Care Plus Inclusions and Exclusions

Room Rent

Advanced Treatments

Co-payment

Cashless Healthcare Providers

Daycare Treatment

AYUSH Treatment

PED Waiting Period

Modern Treatment

ICU Charges

Cumulative Bonus

Consumable Cover

Initial Waiting Period

Specific Waiting Period

Annual Health Checkup

Post-Hospitalisation

Outpatient Department Cover (OPD Expense)

Deductible Option

Coverage Options

Maternity Cover

Pre-Hospitalisation

Claim Settlement Ratio

Restoration Benefit

Exclusions

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