Navigating the Basics of Care Plus Youth Health Insurance


Navigating the Basics of Care Plus Youth Health Insurance

Being a young and educated person today, you must already understand the importance of owning a well-planned health insurance policy that caters specifically to your needs. In addition to being a part of your parent’s health plan, once you turn 18, there are plans specifically for you. Read on to know more. 

Care Plus Health Insurance: Shaping a Delightful Youth

Care Plus Youth plan is a comprehensive health insurance plan for youth. The plan features a comprehensive approach, promising unlimited e-second opinions, coverage against inflation, and unlimited automatic recharge of the sum insured. Designed for the youth, the plan has everything to make it inclusive, like OPD coverage, NCB protection, optional maternity benefits, health trackers, and an Earn and Burn reward program. 

In this article, we will focus on the highlights and benefits of the plan to help you understand how does Care Plus work to help you make an informed choice at an early age. 

Exploring the Key Features

While choosing a health insurance plan, the focus should be on finding inclusions that work for your needs and benefits. Care Youth Health Insurance offers comprehensive coverage that suits the youth and their needs. Additionally, the flexibility allows insurance holders to customise the plan according to their needs. Let’s explore the key features of the Care Plus health insurance- 

Coverage

The policy offers a wide coverage including OPD costs, doctor, dentist and ophthalmology consultations annually accompanied with protection against inflation. In terms of financial assistance, sum insured options  vary from ₹3 lakh to ₹25 lakh. Here are inclusions that you get to enjoy under Care Plus health plans from Care Health Insurance

  • In-patient hospitalisation
  • Pre and post-hospitalisationcost for 60 and 90 days respectively 
  • Ambulance cover
  • Day care treatments 
  • Advanced technology methods 
  • Annual health check-up
  • Second opinion
  • No claim bonus
  • Inflation shield

Note: This list is not exhaustive.  Kindly refer to the policy document for the complete list of coverage 

New age Features

As youth want everything to be available at their fingertips ourwell-planned health insurance provides doctor consultations on chats, health and fitness reminders, and a digital vault for health records. In addition, to make the plan financially comfortable, there are ‘earn-and-burn’ reward programs that can be used for unlimited e-consultations with general physicians.

Connectivity

A well-designed plan for youngsters can provide connectivity to maximum hospitals spread across the country and beyond. Care Health Insurance provides cashless treatment at over 24,800  healthcare providers, including IPD/OPD/Diagnostic/Pharmacy, etc., that serve as saviours in emergencies. Under this, there are cashless treatment facilities available at more than 11,400 cashless network hospitals.

Inflation-proof

One of the amazing features of this plan is that the plan’s sum insured amount increases cumulatively on the basis of previous year’s inflation rate.  

What are the Optional Benefits Available for the Youth?

Care Health Insurance focuses on offering a plan that covers the needs of the youth comprehensively, and therefore, several optional benefits can be explored. Take a look at Care Plus benefit:

Maternity Benefits

A young person who has opted for a medical insurance plan in a timely manner gets the privilege of welcoming a newborn without worrying about related expenses. You can ensure coverage for the expecting mother as well as the new baby. 

Note: The maternity benefit add-on is available after a waiting period so make sure to cross-check all the details.  

Smart select

This feature is designed specifically for youth who believe in finding the best for their health. Through Smart Select, you can get discounts of up to 15% for availing treatment at any of the Smart Select Network hospitals.

International Second Opinion

Matters related to health are critical, and it is obvious that a second opinion from a trustworthy source is needed. You can get a second opinion from professionals across the globe to be reassured with this additional cover.

Why Do You Need Medical Insurance as a Youth?

Focusing on personal health has become an important part of life, especially after the heart-wrenching effects of Covid-19. With pollution rising at an alarming rate, constant career stress and the general everyday lifestyle that includes food habits, a young person's health is at risk. While lifestyle changes are the first step towards a healthier life, a medical insurance plan is designed to meet the financial expenses in case of an emergency.

Additionally, plans for the youth cater to their needs by offering new-age facilities, tax benefits, and unparalleled medical connectivity that allows them to enjoy the benefits in different parts of the globe. The rapid increase in medical expenses is a problem for many and in such a situation, relying on medical insurance is a wise choice.

As a young person between 18 and 30, the chances of you staying away from your parents for education or work are high. In such a situation, owning a medical insurance plan that provides cashless medical facilities at renowned hospitals can be a saviour during an unforeseen event. 

What are the Benefits of an Early-age Health Insurance Plan?

As a young individual in the prime of your life, thinking that you may need health insurance now or in the future does not come naturally to many. However, because you are healthy today, unfortunately, we cannot guarantee that things will be the same tomorrow too. A health insurance plan is thus, as crucial for youngsters as it is for older people. While the option to opt for a health insurance plan strikes the mind after turning 40, reaping the seed of insurance at an early age can promise several benefits. 

Let’s take a look at some of these benefits that you get to enjoy:

  • Awareness of health and fitness
  • A cashless treatment facility in case of an emergency 
  • Early bird discounts on premiums 
  • Unlimited recharge of the sum insured for related illness
  • Tax benefits under section 80D of the Income Tax Act
  • Personal Accident Cover for the primary member
  • Medical protection and financial coverage while away from college
  • New-age benefits to make your insurance policies accessible and your fitness fun.  

Over to You

There has been an increase in the number of young people seeking medical insurance plans, provided the general fitness and health awareness talks are surfacing the globe. Opting for insurance at an early age has several benefits, including discounted premiums and no-waiting periods. At Care Health Insurance, the goal is to make fitness a lifestyle with new-age technology and medical expenses a non-burden with wide coverage and affordable premiums. For detailed information, kindly connect with our experts or visit the official website. 

>> Also Read: 

Disclaimers: The above information is for reference purposes only. Kindly consult your general physician for verified medical advice. The health insurance benefits are subject to policy terms and conditions. Refer to your policy documents for more information.

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