Health Insurance 485 views December 23, 2021

Care Health Insurance offers a wide range of products to help meet your medical needs. And with Care Plus – Youth Health Insurance Plan, you can cover your expenses for the treatment of illness/injury plus get exciting discount offers and benefits. You can check these below.

  • 5% Digital Discount on Purchasing this Policy from the Online Portal
  • 10% Early Bird Discount on Subsequent Renewal if Your Age is <= 35 years
  • No Claim Bonus up to 200%
  • Earn & Burn Wellness Program Reward Points
  • Extensive Health Cover
  • Three Add-ons
  • Two-Step Claim Process

Well, to find more about these benefits of the Care Plus – Youth Health Insurance Plan, keep reading this page.

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Care Plus – Youth Health Insurance Plan Benefits

The insurance company shall cover the below-mentioned expenses under the plan.

  • In-patient hospitalization
  • Daycare treatment
  • Advance method technology
  • Out-patient consultations, dental and ophthalmic treatments
  • Annual health check-up
  • Accidental death and permanent total disability
  • Unlimited e-consultations
  • Ambulance cover up to INR 2,000 per admission
  • Organ donor expenses
  • Second opinion
  • Ayush treatment up to 10% of the sum insured
  • Air ambulance up to the sum insured or INR 5 Lakh (whichever is less)
  • Pre and post-hospitalization expenses up to 60 and 90 days, respectively
  • Domiciliary hospitalization

Special Benefits of Care Plus – Youth Health Insurance Plan

Besides the above coverage, the insurer provides the following benefit under the plan.

Unlimited Automatic Recharge of the Sum Insured – In case your sum insured is exhausted due to claims in a year, the company will reinstate it to 100%.

No Claim Bonus Protect – There won’t be any reduction in the bonus if a claim is filed and it is < 25% of the applicable sum insured.

Inflation Shield – The base policy sum insured will be increased on each renewal, subject to the inflation rate in the previous year.

Earn & Burn Wellness Program – If you follow the program routinely and stay healthy during the policy term, you can earn reward points and utilize the same to reduce the premium amount.

Health Services – You can visit the Care Health Portal and get a chat with the Doctor, health tips, digital locker for medical records, discounts on services at network hospitals, etc.

Care Plus – Youth Health Insurance Plan Add-on Cover

You can customize this health insurance plan by adding any of the following covers to it.

International Second Opinion – If you choose this cover, the insurer can arrange a second opinion from a doctor outside India to assure you.

Maternity Expenses – Under this add-on, you’ll get coverage for treatments related to childbirth and pregnancy. And this will commence after two years from the date of policy inception.

Smart Select – You can get a 15% discount on treatment at a specially created smart select network hospital.

Exclusion from Care Plus – Youth Health Insurance Plan

The insurer won’t be liable to pay the expenses if they arise due to the following –

  • Self-inflicted injury
  • Suicide
  • Drug and alcohol abuse
  • Internal congenital diseases
  • Treatment traceable to childbirth
  • In Vitro Fertilization (IVF) tests and treatment
  • War, riot, strike

Care Plus – Youth Health Insurance Plan Cover Types

You can choose to get coverage either as an individual or with the whole family with the floater option. Check out the coverage options under these two variants.

Individual Plan – Covers up to six persons

Family Floater – Here, the coverage option is as follows –

  • 1 Adult + 1 Children
  • 1 Adult + 2 Children
  • 1 Adult + 3 Children
  • 1 Adult + 4 Children
  • 2 Adults
  • 2 Adults + 1 Children
  • 2 Adults + 2 Children
    2 Adults + 3 Children
    2 Adults + 4 Children

The sum insured options are shown below –

  • INR 3 Lakh
  • INR 5 Lakh
  • INR 7 Lakh
  • INR 10 Lakh
  • INR 25 Lakh

Care Plus – Youth Health Insurance Plan tenure options are –

  • 1 year
  • 2 years
  • 3 years

Waiting Period Restrictions to Contend with

There is an initial waiting period of 30 days from the date of policy inception during which the insurer won’t pay for the hospitalization expenses unless it occurs due to an accident. For specified diseases, the waiting period is 24 months and 36 months for pre-existing diseases. And for maternity expenses, there is a waiting period of 2 years, provided you have the add-on cover for the same.

How to File a Health Insurance Claim?

To file a claim under this plan, you need to go through the below steps –

  • Notify the insurer about the admission within 24 hours of emergency hospitalization and two days before a planned treatment
  • Submit the cashless request form and wait for the approval

You can also seek reimbursement of the incurred expenses by following the below steps –

  • Notify the insurer about the claim
  • Submit the duly filled claim form and the required documents to the insurer

Eligibility Criteria for the Care Plus – Youth Health Insurance Plan

You can buy the plan if you meet the below criteria –

  • Minimum Entry Age for Proposer – 18 years
  • Minimum Entry Age – 5 years for an individual plan and 91 days for a family floater plan (where one member is at least 18 years old)
  • Maximum Entry Age for Adult – 35 years
  • Maximum Entry Age for Child – 24 years
  • Exit Age – Life long for adults and 25 years for children

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