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Last updated on: July 25, 2025

Quick Summary

Care Health Plus Insurance Plan is a comprehensive health insurance policy designed to offer extensive medical coverage for individuals and families. It provides high sum insured options, covering hospitalization expenses, pre- and post-hospitalization, day care procedures, ambulance charges, and annual health check-ups. The plan also features benefits such as no-claim bonus, lifelong renewability, and optional add-ons like maternity and critical illness cover. Cashless treatment is available at a wide network of empanelled hospitals, ensuring convenience during medical emergencies. Care Health Plus is known for its hassle-free claim process, affordable premiums, and minimal exclusions, making it a preferred choice for those seeking all-round health protection and financial security against unforeseen healthcare expenses.

Care Health Plus Insurance Plan

Health insurance in India is now more than just a necessity; it is the backbone of family well-being especially after the pandemic years. The Care Health Plus Insurance Plan stands out as a comprehensive option in 2025. With rising medical costs, more families, individuals, and even senior citizens seek health plans that offer robust protection with affordable premiums. Here, let us understand this plan fully, what makes it special, its features, its drawbacks, and how it compares with other top plans.

What is Care Health Plus Insurance Plan?

Care Health Plus Insurance Plan, offered by Care Health Insurance (formerly known as Religare Health Insurance), is designed for Indians who want reliable medical coverage, flexibility, and peace of mind. In 2025, this plan aims to cater to modern lifestyle diseases, rising hospitalization expenses, and need for preventive care services. It is suitable for individuals, families, senior citizens, and also provides options for maternity and critical illness coverage.

Did you know? Care Health Insurance has reported a 25 percent increase in new policyholders in 2024, mostly among people aged 28 to 45 years, showing a growing trend for early health investment.

What are the Key Features of Care Health Plus Insurance Plan?

Understanding the main benefits of this insurance plan can help you make an informed choice. Here are the important features for 2025:

  • Sum Insured Options: Ranges from Rs. 3 lakhs to Rs. 1 crore, with higher customization for family floaters.
  • Cashless Treatment: Accessible at over 21,000 network hospitals across India.
  • No Claim Bonus: Up to 150 percent of the sum insured for every claim-free year.
  • Pre and Post Hospitalisation: Expenses covered up to 60 days before and 180 days after hospital stay.
  • All Day Care Procedures: Coverage for over 600 day care treatments that avoid long hospital admissions.
  • Annual Health Checkup: Free tests for all insured members, every year.
  • Recharge Benefit: Automatic recharge of the sum insured if it gets exhausted.
  • AYUSH Coverage: Treatment under Ayurveda, Yoga, Unani, Siddha, and Homeopathy covered up to sum insured.
  • Modern Procedures: Includes coverage for robotic surgeries and advanced treatments now prevalent in major metro hospitals.
  • OPD Cover: Optional add on for outpatient consultation and medicine expenses.
  • Maternity and Newborn Benefits: Available after a waiting period.
  • Second Opinion Cover: Especially for critical illnesses.

Quick Case Example:

Rohan, a 35-year-old software engineer from Pune, wants to protect his growing family. With the Care Health Plus family floater, he gets Rs. 10 lakh sum insured at a cost of about Rs. 15,900 per annum, with all members getting cashless treatment locally and in other cities.

What are the Pros and Cons of Care Health Plus Insurance Plan?

Like every insurance plan in India, Care Health Plus also has its own set of advantages and areas to consider.

Pros:

  • Wide hospital network ensures easy access for cashless treatment.
  • High no claim bonus rewards regular policyholders.
  • Covers modern treatments and alternative therapies.
  • Flexible add ons such as OPD, critical illness, and maternity.
  • Good portability and lifetime renewability.
  • Faster claim settlement ratio, reported at 96.4 percent for 2024.

Cons:

  • Some waiting periods: 30 days for general treatments, up to 4 years for pre existing diseases and maternity.
  • Room rent capping in lower sum insured plans.
  • OPD and maternity benefits are available as add ons, not by default.
  • A few advanced robotic or cyberknife treatments may need extra documentation.
  • Policy premium for senior citizens above 60 can be higher than some basic plans.

Experts Insight According to a 2025 IRDAI advisory, choosing add ons smartly based on family history (like diabetes or maternity needs) helps avoid unnecessary premium expenses. Many people opt for high coverage but skip relevant add ons, losing maximum value.

It is valuable to compare Care Health Plus with similar policies from competitors in 2025 so you can make a well judged choice.

Comparison Table: Care Health Plus vs Other Plans

FeaturesCare Health PlusHDFC Ergo Optima RestoreStar Health ComprehensiveMax Bupa Health Companion
Sum Insured3 L to 1 Cr5 L to 50 L3 L to 1 Cr2 L to 1 Cr
Cashless Hospitals21,000+13,000+12,000+10,000+
No Claim BonusUp to 150%Up to 100%Up to 100%Up to 100%
Pre-Post Hospital60-180 days60-180 days60-180 days30-60 days
OPD Addon OptionYesNoNoYes
AYUSH CoverageYesYesYesYes
Maternity AddonYesNoYesYes
Renewal Age LimitLifelongLifelongLifelongLifelong
Claim Settlement Ratio96.4%95.7%94.2%94.5%

*Data for 2025. Please refer to IRDAI published annual reports for detailed figures.

People Also Ask:

Is No Claim Bonus cumulative?
Yes, in Care Health Plus, the no claim bonus accumulates every claim free year, allowing your coverage to grow.

Who Should Choose Care Health Plus Insurance Plan?

The policy is created for a range of users:

  • Fresh salaried employees and self employed individuals starting insurance journey.
  • Young couples and nuclear families needing maternity and newborn protection.
  • Senior citizens who want alternative therapies included.
  • Individuals seeking high sum insured for lifestyle disease management.
  • Those who travel between cities and want access to network hospitals.

Did You Know? In 2025, close to 40 percent of new Care Health Plus buyers are couples planning children, largely for the ease of maternity add on and newborn cover.

What Does Care Health Plus Not Covered?

Every health insurance policy has certain limitations, called exclusions. For Care Health Plus, the following are excluded:

  • OPD bills unless the add on is chosen.
  • Cosmetic or aesthetic procedures.
  • Congenital diseases.
  • Injuries due to unlawful activity or intoxication.
  • Pre existing diseases until after a 48 month waiting period.
  • Dental or hearing aids unless caused by an accident.
  • Treatments in unregistered hospitals (outside the network).

People Also Ask:

Are pre existing conditions covered?
Yes, but only after a waiting period of four years.

How Do You Buy the Care Health Plus Plan in 2025?

The process today is digital first but also allows physical support in over 150 cities.

  • Visit Care Health Insurance’s website or app.
  • Enter age, number of members, coverage needed.
  • Compare customized quotes, add optional riders as needed.
  • Fill KYC, pay via card, UPI, or net banking.
  • Get instant policy certificate on email.
  • Option to reach out to Care Health agent if you need help with paperwork.

Policy can also be purchased via leading online insurance platforms and aggregators.

Expert Insight: Always declare all existing medical conditions at the time of purchase. Not disclosing can lead to claim rejection as per IRDAI guidelines issued in 2024 and reaffirmed for 2025.

What Documents Do You Need for Claim Settlement?

For smooth reimbursement or cashless claims, keep ready:

  • Policy certificate copy
  • Aadhaar or PAN card
  • Doctor’s consultation papers
  • Original bills and discharge summary
  • Pharmacy and diagnostic test receipts
  • Pre authorization form for cashless claims

Turnaround time for settlement is generally under 10 working days for non cashless (reimbursement) claims in 2025.

People Also Ask:

How soon do I get policy after buying?
The policy is emailed instantly for digitally bought plans. Physical policy documents arrive within 7 working days.

How Much is the Premium for Care Health Plus Insurance in 2025?

Premiums vary as per age, health history, sum insured, location, and optional riders. Here are sample yearly premiums for 2025 (excluding GST):

Family MembersSum InsuredApproximate Annual Premium
1 Adult (30 Y)10 LakhRs. 9,200
2 Adults + 1 Kid10 LakhRs. 14,800
2 Adults + 2 Kids15 LakhRs. 18,900
1 Senior (60 Y)10 LakhRs. 27,100

*Premiums can vary depending on riders and location.

What Riders or Add Ons are Useful in 2025?

It is suggested to consider these useful add on covers:

  • OPD Care Rider: For doctor’s consultation, pharmacy, and diagnostic expenses.
  • Critical Illness Cover: Lump sum on diagnosis of specified illnesses, very useful for family history cases.
  • Personal Accident Cover: For accidental death or disability.
  • Maternity and Newborn Rider: For expecting families.
  • Unlimited Automatic Recharge: For those with high family hospitalisation risk.

Did You Know? OPD expenses now constitute about 23 percent of total out of pocket medical costs in Indian metro families, as per 2024 ICMR survey.

What Should You Check Before Buying Care Health Plus?

Before you make the final choice:

  • Sum insured selection: Choose at least Rs. 10 lakh per adult for urban areas due to higher hospital costs.
  • Check room rent limits: Select higher sum insured if you wish to avoid room capping.
  • Waiting periods: Review before opting for any maternity or pre existing disease claims.
  • Renewal benefits: Ensure lifelong renewability, especially if you are above 55 years.
  • Review add ons carefully: Only pick what you really need, so premium remains affordable.
  • Claim Process: Look for user reviews about claim support and settlement time.

People Also Ask:

What is the waiting period for maternity benefit?
Generally 2 to 4 years for new policies, so buy early if planning a family soon.

TLDR or Quick Recap

Care Health Plus Insurance Plan is a top option in 2025 for Indian individuals and families due to its wide hospital network, flexible add ons, and high no claim bonus. Young families, seniors, and people seeking holistic treatment inclusion benefit most. Compare features, check premiums, declare your health disclaimer and review add ons to make it the most value driven choice this year.

People Also Ask: FAQ

What are the unique features of Care Health Plus in 2025?

It offers higher no claim bonus, wide hospital access, advanced treatment cover, recharge benefit, and OPD addon.

Can the plan be customized for family size and needs?

Yes, you can easily select family floater or individual plans, add maternity or critical illness covers and adjust sum insured.

Does it cover COVID19, cancer, or heart diseases?

Yes, COVID19, cancer, and listed critical illnesses are covered, subject to policy waiting periods and terms.

How much tax benefit do I get for premium paid?

Under Section 80D of the Income Tax Act, you can claim up to Rs. 50,000 per year for family and more if parents are included.

Are annual health checkups included?

Yes, all insured persons get a yearly health checkup free under the plan.

What is the maximum entry age?

There is no upper entry limit for individual plans, but after 46 years, medical tests are needed.

Can I port my old policy to Care Health Plus?

Yes, as per IRDAI portability rules, you can shift your old insurance to Care Health Plus without loss of continuity benefits.


Sources:

Care Health Insurance Official Portal
Economic Times Health Insurance Feature,“Trends for 2025”

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👍 26 people found this helpful
Ratings and reviews
4.1 ★ ★ ★ ★ ☆
( 26 RATINGS )
5 ★
(12)
4 ★
(6)
3 ★
(6)
2 ★
(2)
1 ★
(0)
Instant Policy Issuance
★★★★★

I got my health insurance policy within minutes after payment. Everything was smooth and fully online. Very impressed!

Meena K 1 day ago
Great for Family Plans
★★★★★

I took a family floater plan through Fincover. Covered my whole family under one premium. Very useful.

Suresh N 3 days ago
Helpful Plan Comparison
★★★★

Comparing plans was quick and easy. The filters made it simple to choose what suited me best. Saved me time.

Harish R 3 days ago
Claim Filing Was Easy
★★★★★

I was nervous about filing a claim but Fincover’s guide helped a lot. Process was much easier than expected.

Megha S 4 days ago
Hospital Filter Needs Work
★★★

I had to go to the insurer’s site to check hospital network. The Fincover search wasn’t detailed enough.

Jyoti P 5 days ago
Claim Tracking Needs Work
★★★

The claim took longer than expected and tracking progress online wasn’t clear. The rest of the process was fine.

Sanjay D 1 week ago
Smooth and Fully Digital
★★★★★

Bought my policy in just a few clicks. No calls, no forms — loved how fast and digital everything was.

Naveen K 1 week ago
App Would Be Great
★★★

The site works well but a mobile app would make things easier. Hope it's coming soon.

Anil R 1 week ago
Claim Steps Confusing
★★

Claim process wasn't clearly explained. I had to call support multiple times to understand the next steps.

Sheetal V 10 days ago
Easy for Senior Plans
★★★★★

I used Fincover to buy a policy for my mother. It was easy to filter senior citizen plans. Helpful and clear.

Radha N 2 weeks ago
Saved Me Money
★★★★★

I compared multiple plans and found one with better coverage for less premium. Great platform for saving money.

Rajeev M 2 weeks ago
Confusing OPD Details
★★

I assumed OPD cover was included, but it wasn’t. Would be better if OPD benefits were clearly labeled.

Vinod P 2 weeks ago
Time-Saving Comparison
★★★★

I compared 5 policies in under 10 minutes. Really fast and helpful tool.

Tanvi D 2 weeks ago
Quick Renewal Process
★★★★★

Renewed my existing policy in less than 5 minutes. No issues at all — fully digital and simple.

Kiran B 3 weeks ago
Policy Docs Took Time
★★★★

The policy was issued quickly, but the documents arrived on email after 2 days. Expected them sooner.

Kanchana R 3 weeks ago
Pre-Existing Not Covered
★★★

Disappointed to see pre-existing conditions aren’t covered for the first 2 years. This should be more visible.

Lokesh N 3 weeks ago
Limited Insurer Choices
★★★

Couldn’t find all the insurers I was expecting. Hope they add more options soon.

Deepak J 1 month ago
Beginner-Friendly Interface
★★★★

I’m new to insurance, and Fincover made it easy to compare and understand each plan. Great for first-timers.

Reema S 1 month ago
Ideal for Salaried Buyers
★★★★

Fincover offers solid options for salaried people like me. The plans matched my work benefits and budget.

Imran H 1 month ago
Responsive Chat Support
★★★★★

The live chat helped me choose between two plans. All my questions were answered clearly and quickly.

Devika L 1 month ago
Smooth Payment Flow
★★★★★

Paying online was hassle-free. Got instant confirmation and no extra calls. Loved the simplicity.

Haritha M 1 month ago
Great Post-Purchase Support
★★★★★

The team called me after I bought the policy to ensure I got everything. They even explained the benefits again.

Yusuf Q 1 month ago
Quick Support Response
★★★★★

I had a premium-related query and the team responded within 10 minutes. Very helpful and polite support.

Zoya F 2 months ago
Policy Info Needs Simpler Terms
★★★★★

I found it hard to understand some terms like room rent limits and co-pay. It would help to simplify that.

Mohit T 2 months ago
Maternity Add-On Info Missing
★★★

I was looking for maternity coverage but the plans didn’t show add-on details clearly. Needs better labeling.

Shweta K 2 months ago
Good User Experience
★★★★

Compared many plans across sites and Fincover felt the easiest. All the details were in one place.

Karan P 2 months ago
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Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.

Who is the Author?

Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.

How is the Content Written?

The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.

Why Should You Trust This Content?

This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.

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