Overview
The Care Plus Youth plan is a comprehensive health insurance policy tailored for young adults aged 18 to 35. It offers sum insured options ranging from ₹3 lakhs to ₹25 lakhs, covering in-patient hospitalization (up to SI), pre- and post-hospitalization (60 and 90 days), daycare treatments (up to SI), AYUSH coverage (up to SI), and annual health check-ups. Unique features include unlimited automatic recharge of the sum insured, no co-payment clause, OPD consultations, inflation shield, an Earn-and-Burn reward program, and maternity benefits up to 25K through an add-on (depending on SI). With cashless treatment at over 11,400 hospitals, it ensures accessible healthcare for the “youth”.
Experts Review
Written by Nikhil Nair
Senior Writer
The Care Plus Youth plan stands out as a health insurance policy designed specifically for the needs of young adults. Its unlimited automatic recharge feature ensures continuous coverage even after exhausting the sum insured, making it highly beneficial for multiple claims within the same year. The inclusion of OPD consultations and advanced treatments like dental and ophthalmic care adds significant value for outpatient medical needs. Additionally, the inflation shield ensures the sum insured grows annually to combat rising healthcare costs.
The plan’s no co-payment clause eliminates out-of-pocket expenses during claims, while the Earn-and-Burn reward program incentivizes healthy living by offering discounts on premiums or reimbursements. Cashless treatment across a wide network of hospitals enhances convenience during emergencies.
However, the plan imposes room rent restrictions (single private AC room for higher sum insured options), which is a limitation that may affect flexibility for some policyholders. Despite this, the plan’s tailored benefits make it an excellent choice for young individuals seeking affordable yet comprehensive coverage.
Pros
Feature set is satisfactory.
Great pick if you're looking for something affordable.
Insurer has a solid track record with great claim and service metrics.
Cons
Maternity benefits not offered, which is a notable gap. Need to opt add-on for maternity cover.
Care
Key Insights
Founded
2012
Care was established 13 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
90% claims settled in 30 Days
Care settles 90% of all claims it receives. This is reasonable performance, though there is room for improvement compared to top insurers.
Network Hospitals
11,400+
Care has a strong network with over 11,400 hospitals, ensuring wide accessibility and convenience for policyholders.
Complaints
36 complaints per 10,000 claims registered
Care has a relatively high volume of complaints, which may point to ongoing issues in customer service or claim handling.
Features
All
Great
Good
Co-payment
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Customisable
Get 15% discount on premiums with 20% Co-payment for the insured members if treatment is taken in Non-Smart Select Network Hospitals.
Room Rent
You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.
Disease sub-limit
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Pre existing diseases waiting
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Pre/Post hospitalization
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 90 days after discharge. This includes the cost of medication by the way.
Add-ons
Maternity Benefits
Recommended
Maternity expenses covered up to ₹25,000 after a waiting period of 2 years.
Smart Select
Get 15% discount on premiums with 20% Co-payment for the insured members if treatment is taken in Non-Smart Select Network Hospitals.
International Second Opinion
With this add-on, you can get a second opinion from a medical practitioner outside India once per major illness/injury per policy year.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Mental retardness
Expenses related to any kind of RMO charges, Service charge, Surcharge, night charges levied by the hospital under whatever head.
Remicade, Avastin or similar injectable treatment which is undergone other than as a part of In-Patient Care Hospitalisation or Day Care Hospitalisation is excluded.
Impairment of an Insured Person's intellectual faculties by abuse of stimulants or depressants unless prescribed by a medical practitioner.
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Arthritis (if non-infective), including:
Osteoarthritis
Osteoporosis
Gout
Rheumatism
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
3 years Pre-existing disease waiting period
Ditto's Take
◦ Standard ◦
After a close look at the waiting periods, it’s safe to say they are fairly standard.
What's missing in the policy
Maternity benefits not offered. Need to opt add-on for maternity cover.
Customer Reviews
A
Amanpreet K.
Unlimited automatic recharge of sum insured iska best feature hai! Tension free rehte hain.
N
Nisha Reddy
Dental and ophthalmic care included hai but shayad limits hongi, detail me check karna padega.
P
Priya Desai
Cashless treatment 11,400+ hospitals mein available hai, network kafi bada hai.
V
Vikram Singh
Inflation shield se sum insured har saal badhta hai, future proof plan!
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Frequently Asked Questions
Does Care Plus Youth have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
- Maternity and Newborn Waiting Period: There’s a 2-year waiting period before you can make claims related to pregnancy and childbirth. (Add-on Cover)
Does Care Plus Youth have room rent restrictions?
Does Care Plus Youth offer a restoration benefit?
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