What is Not Covered Under Care Plus- The Complete Health Insurance Plan?
- Any item, condition or treatment specified in the list of Non-Medical Items.
- Taking part or is supposed to participate in a naval, military, air force operation or aviation in a professional or semi-professional nature.
- Expenses related to any admission, primarily for diagnostics and evaluation purposes, are excluded.
- Expenses related to any treatment, including surgical management, reassigning the bodily features to those of the opposite gender.
- Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of the medically necessary treatment to remove a direct and immediate health risk to the insured.
- Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving.
- Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.
- Expenses related to unproven treatment, services and supplies for or in connection with any treatment. Unproven treatments are treatments, procedures or supplies that lack significant medical documentation to support their effectiveness.
For a complete list of exclusions and health insurance age limit, please refer to policy TnC
*Please read the brochure and prospectus to know more about our health insurance plans, which may vary.
Features of Care Plus- The Complete Health Insurance Plan
It offers a whole lot when it comes to individual health coverage. You can rest assured that it is a comprehensive health insurance policy with the below prominent features:
- Available on an individual and family floater basis.
- Wide range of sum insured ranges from Rs 3 lakhs to Rs 25 lakhs.
- 10% Renewal Discount is available after 40 years of age. It is available for customers entering at age<36 years.
- No claim bonus protection for every claim-free year. 50% increase in SI per every claim-free year; maximum up to 200% SI.
- No reduction in NCB in the subsequent year if the total claim amount is <25% of base SI in a policy year.
- Inflation shield makes your policy SI inflation-proof.
- Protection against personal accident coverage up to SI for the primary insured member.
- Coverage for OPD expenses that reduce the extra financial burden.
- New-aged benefits include unlimited e-consultation with General Physicians and the Earn & Burn Reward Program to utilise your rewards points.
- Access to health portal offers doctor on chat, healthy tips reminder, and Digi locker for medical records.
- Cashless hospitalization facility in 8350+ network hospitals.
- Annual health checkup for all the insured members once a policy year.
- Alternative treatments cover including AYUSH for a speedy recovery.
Benefits of Buying Health Insurance With No Upper Age Limit
Health insurance is vital irrespective of age group. However, checking the medical insurance age limit beforehand helps you maximise it when needed. Care Plus- The Complete Health insurance Plan wrapped up with its below distinct benefits:
- Offers extensive coverage to you and your family during a medical emergency
- Coverage for 6 family members is available under a single policy
- Completion of the long waiting period early without any health concerns in case of pre-existing diseases
- Cashless treatment facility in leading network hospitals across India
- Quick and hassle-free claim settlement
- Optional benefits to enhance the policy coverage
- New-age benefits help to keep track of your health
- Get unlimited recharge even for related illness
- Provide inflation-proof coverage every year as per CPI inflation. Whereas the SI always keeps pace with CPI Inflation
- Avail tax benefits under section 80D of the Income Tax Act and save your health and wealth both
Best Time to Buy Health Insurance Policy
Health insurance is no more an option but a necessity. There is no particular time to buy it; however, the sooner, the better. One must be aware of the age slab for health insurance while choosing. So, if you are looking for health insurance at 36 or above, Care Plus- The Complete Health Insurance Plan is the right choice. Moreover, you can opt for this health insurance policy with no upper age limit for below crucial reasons:
- Have a family and other financial responsibilities
- Limited sources of income yet want to keep your family protected
- Want to opt for health insurance with a low premium
- Corporate insurance which has a limited scope of coverage
- Want to avail tax benefits and save more money
- Planning for a second child after sometime
Eligibility Criteria of Care Plus-The Complete Health insurance Plan
This plan is a perfect blend of health insurance and care. Below is its eligibility criteria:
| Age of Proposer | 18 years or above |
| Entry Age – Minimum | Individual: 5 years (Benefit: Earn & Burn shall be available for a member of 18 years or above) Floater: 91 Days with at least 1 member of Age 18 years or above |
| Entry Age – Maximum | Adult: 36 Years Child: 24 Years |
| Exit Age | Adult: Lifelong Child: 25 Years |
| Cover Type | Individual: Maximum up to 6 Persons Floater: 1A1C / 1A2C / 1A3C / 1A4C / 2A / 2A1C / 2A2C / 2A3C / 2A4C |
| Tenure Options | 1 Year |
| Premium Payment Term | Single |
| Who are covered (Relationship with respect to the proposer) | Self, Legally Married Spouse, Son, Daughter |
Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
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