Care Plus Youth Health Insurance, Youth Health Insurance Plan

Care Plus plan - The Complete Health insurance overview

Key Features of Care Plus – Youth Health Insurance Plan

It offers a whole lot when it comes to coverage for the youngsters. You can rest assured that it is a comprehensive health insurance policy with the below prominent features:

Wide range of sum insured ranges from Rs 3 lakh to Rs 25 lakh
Available on an individual and family floater basis
10 % Renewal Discount after 40 years of age
Unlimited recharge even for related illness
No claim bonus for every claim-free year
Inflation-proof coverage
Protection against personal accident coverage for the primary insured member
Coverage for OPD expenses including doctor consultation and dental & ophthalmic consultations per year that reduce the extra financial burden
New aged benefits include unlimited e-consultation with General Physicians and Earn & Burn Reward Program to utilize your rewards point.
Access to health portal offers doctor on chat, healthy tips reminder, and Digi locker for medical records.
Optional cover available for maternity coverage
Cashless treatment facility in 8350+ network hospitals
Annual health checkup for all the insured members once in a policy year
Alternative treatments cover including AYUSH to quickens your recovery

Eligibility Criteria of Care Plus – Youth Health Insurance Plan

It is an exclusive policy that caters to young Indians' health insurance needs. 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: 35 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

Coverages under Care Plus - Youth Health Insurance Plan

The coverages under this plan are as per the table below:

Coverage Table
Sum Insured in ₹ INR	3 Lacs	5 / 7 Lacs	10 / 25 Lacs
In-Patient Hospitalization	Upto SI	Upto SI	Upto SI
Day Care Treatments	Upto SI	Upto SI	Upto SI
Advance Technology Methods	Upto SI	Upto SI	Upto SI
Out-patient Consultations	×	Up to Rs.1,500 Limit per consultation is Rs.350/-	Up to Rs.2,500 Limit per consultation is Rs.350/-
Out-patient Dental and Ophthalmic Treatments	×	Up to Rs.1,500	Up to Rs.2,500
Annual Health Check-up	√	√	√
Unlimited Automatic Recharge	Upto SI	Upto SI	Upto SI
No Claim Bonus Protect	√	√	√
Personal Accident Cover (AD & PTD)	Accidental Death – 100% of SI Permanent Total Disablement – up to 100% of SI	Accidental Death – 100% of SI Permanent Total Disablement – up to 100% of SI	Accidental Death – 100% of SI Permanent Total Disablement – up to 100% of SI
Inflation Shield	√	√	√
Unlimited E-Consultation	√	√	√
Earn and Burn	√	√	√
Ambulance Cover	Upto ₹ 2,000 per hospitalization	Upto ₹ 2,000 per hospitalization	Upto ₹ 2,000 per hospitalization
Organ Donor Cover	Upto SI	Upto SI	Upto SI
Second Opinion	Once in a policy year (per member)	Once in a policy year (per member)	Once in a policy year (per member)
AYUSH Treatments	10% of SI	10% of SI	10% of SI
Air Ambulance Cover	Up to SI or maximum of 5 Lacs per policy year, whichever is lower	Up to SI or maximum of 5 Lacs per policy year, whichever is lower	Up to SI or maximum of 5 Lacs per policy year, whichever is lower
Health Services	Health Portal - Doctor on chat, Healthy tips reminder, Digital locker for medical records, etc. Discount Connect – Discounts on services at our network	Health Portal - Doctor on chat, Healthy tips reminder, Digital locker for medical records, etc. Discount Connect – Discounts on services at our network	Health Portal - Doctor on chat, Healthy tips reminder, Digital locker for medical records, etc. Discount Connect – Discounts on services at our network
Pre-hospitalization	60 days	60 days	60 days
Post-hospitalization	90 days	90 days	90 days
Domiciliary Hospitalization	Upto SI	Upto SI	Upto SI

Benefit Description - Care Plus – Youth Health Insurance Plan?

Our health insurance at an early age has a lot to offer. Let's take a look at what all it includes:

In-Patient Hospitalization- Whether an emergency or planned, we cover your in-patient hospitalization expenses to ensure timely treatment.
Pre and Post Hospitalization Expenses- Life-threatening diseases have prolonged treatment that includes various pre and post-hospitalization expenses. Under this plan, you will get coverage for the medical expenses that arise before 60 days and after 90 days of hospitalization.
Ambulance Cover- During an emergency, we cover your ambulance expenses up to Rs.2,000 per hospitalization so that these kinds of expenses won't bother your financials.
Air Ambulance Cover- If you need to transfer to another hospital within India, we cover your expenses for air ambulance up to SI or a maximum of 5 Lacs per policy year, whichever is lower.
Day Care Treatments- Under this health insurance policy at a young age, we cover several day care treatments under the policy that require hospitalization for less than 24 hours.
Advance Technology Methods- Advance technology like robotic surgery, balloon sinuplasty, brain simulation, etc., are also covered under the policy that keeps the surgery minimal and has fewer side effects.
Organ Donor Cover- Organ donation is a lifesaver. We cover medical expenses up to SI incurred by you towards your organ donor while undergoing organ transplant surgery.
Domiciliary Hospitalization- If medical conditions prevent you from traveling to a hospital, or if no beds are available in all the hospitals in the vicinity, you can go for domiciliary hospitalization as per the doctor's advice. We cover its expenses up to SI under a health insurance policy for young individuals.
Second Opinion- If you are not satisfied with your current diagnosis/ treatment, you can get a second opinion within India from good doctors without impacting your sum insured.
Annual Health Checkup- Keeping a check on your health is easy with us. We include annual health checkups in the policy coverage that every insured member can avail of once in a policy year.
Unlimited Automatic Recharge- Get automatic recharge up to SI at unlimited times, applicable for the same related illness.
Alternative Treatments- If you prefer alternative treatments, you can avail of AYUSH (Ayurveda, Unani, Sidha, and Homeopathy). These alternative therapies quicken the process of your recovery.
No Claim Bonus- We cheer for your good health and reward you with no claim bonus for every claim-free year, a maximum of up to 200% SI. No reduction in NCB in the subsequent year if total claim amount < 25%.
OPD Coverage- OPD expenses create a financial burden. Care Plus – Youth Health Insurance Plan covers out-patient consultations/ out-patient dental and ophthalmic treatments that give ease to your pocket.
Personal Accident Cover(AD & PTD)- Miss happening is unfortunate. For permanent total disablement and accidental death, we cover up to 100% of SI.
Inflation Shield- Due to inflation, medical expenses are skyrocketing; we offer an inflation shield under the policy coverage. The base policy SI will be increased on a cumulative basis at each renewal based on the inflation rate in the previous year.
Unlimited E-Consultation- During this pandemic, e-consultation is a great help. You do not need to step into the hospital or clinic to visit a doctor. You can avail it unlimited times with General Physicians.
Earn and Burn- It is one of our new-age benefits. Earn and Burn is a wellness program that allows the customer to utilize rewards points for up to a 10% discount on renewal premium or payment of deductibles at the time of claim.
Health Services- Our health services include a health portal and discount connect. With a health portal, you can chat with the doctor, get healthy tips reminders, has a digital locker for medical records, etc. In discount connect you can avail of discounts on services at our network.

Benefits of Buying Care Plus – Youth Health Insurance Plan

Health insurance plan becomes vital irrespective of age group. However, getting it in the early 20s or 30s helps you make the most out of it in the future. Care Plus – Youth Health Insurance Plan wrapped up with its below distinct benefits:

Offers comprehensive coverage to ensure timely treatment and financial protection during a medical emergency
Coverage for 6 family members under a single policy
Completion of the waiting period early without any health concerns
Cashless treatment facility at network hospitals across India
Hassle-free cashless and reimbursement claim settlement
Optional benefits to increase the policy coverage
New-age benefits make the journey towards healthy life easy
Comes with no co-payment option
Double/ triple coverage in 2/4 consecutive claim-free years, respectively. You can get up to a 200% increase in SI with NCB.
Young policyholders will get unlimited recharge even for related illness
Provide inflation-proof coverage every year as per CPI inflation
Tax benefits under section 80D of the Income Tax Act to save more

Optional Benefits of Care Plus – Youth Health Insurance Plan

Irrespective of age, a medical emergency can knock at the door anytime. Stay prepared with enough coverage that helps you to combat any medical crisis. Choose these add-ons covers to ensure timely treatment without any loopholes:
Maternity & New Born Cover
If you want to start a family after two-three years, take this add-on cover to welcome your newborn worry-free. It is available only under floater combination only for female insured members with a waiting period of 24 months.

International Second Opinion
We understand the importance of reassurance when it comes to your health. We will arrange an international second opinion with doctors outside India so that you can get satisfying results.

Smart Select
Be smart, select smart! In this add-on, get coverage in the listed hospitals up to SI and other hospitals up to SI with an additional 20% co-payment per claim. Apart from this, with smart select, you can also avail of up to 15% discount on the base premium.