Last updated on: July 25, 2025
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.
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.
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.
Understanding the main benefits of this insurance plan can help you make an informed choice. Here are the important features for 2025:
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.
Like every insurance plan in India, Care Health Plus also has its own set of advantages and areas to consider.
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.
Features | Care Health Plus | HDFC Ergo Optima Restore | Star Health Comprehensive | Max Bupa Health Companion |
---|---|---|---|---|
Sum Insured | 3 L to 1 Cr | 5 L to 50 L | 3 L to 1 Cr | 2 L to 1 Cr |
Cashless Hospitals | 21,000+ | 13,000+ | 12,000+ | 10,000+ |
No Claim Bonus | Up to 150% | Up to 100% | Up to 100% | Up to 100% |
Pre-Post Hospital | 60-180 days | 60-180 days | 60-180 days | 30-60 days |
OPD Addon Option | Yes | No | No | Yes |
AYUSH Coverage | Yes | Yes | Yes | Yes |
Maternity Addon | Yes | No | Yes | Yes |
Renewal Age Limit | Lifelong | Lifelong | Lifelong | Lifelong |
Claim Settlement Ratio | 96.4% | 95.7% | 94.2% | 94.5% |
*Data for 2025. Please refer to IRDAI published annual reports for detailed figures.
Is No Claim Bonus cumulative?
Yes, in Care Health Plus, the no claim bonus accumulates every claim free year, allowing your coverage to grow.
The policy is created for a range of users:
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.
Every health insurance policy has certain limitations, called exclusions. For Care Health Plus, the following are excluded:
Are pre existing conditions covered?
Yes, but only after a waiting period of four years.
The process today is digital first but also allows physical support in over 150 cities.
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.
For smooth reimbursement or cashless claims, keep ready:
Turnaround time for settlement is generally under 10 working days for non cashless (reimbursement) claims in 2025.
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.
Premiums vary as per age, health history, sum insured, location, and optional riders. Here are sample yearly premiums for 2025 (excluding GST):
Family Members | Sum Insured | Approximate Annual Premium |
---|---|---|
1 Adult (30 Y) | 10 Lakh | Rs. 9,200 |
2 Adults + 1 Kid | 10 Lakh | Rs. 14,800 |
2 Adults + 2 Kids | 15 Lakh | Rs. 18,900 |
1 Senior (60 Y) | 10 Lakh | Rs. 27,100 |
*Premiums can vary depending on riders and location.
It is suggested to consider these useful add on covers:
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.
Before you make the final choice:
What is the waiting period for maternity benefit?
Generally 2 to 4 years for new policies, so buy early if planning a family soon.
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.
It offers higher no claim bonus, wide hospital access, advanced treatment cover, recharge benefit, and OPD addon.
Yes, you can easily select family floater or individual plans, add maternity or critical illness covers and adjust sum insured.
Yes, COVID19, cancer, and listed critical illnesses are covered, subject to policy waiting periods and terms.
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.
Yes, all insured persons get a yearly health checkup free under the plan.
There is no upper entry limit for individual plans, but after 46 years, medical tests are needed.
Yes, as per IRDAI portability rules, you can shift your old insurance to Care Health Plus without loss of continuity benefits.
Care Health Insurance Official Portal
Economic Times Health Insurance Feature,“Trends for 2025”
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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.
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.
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.
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.