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*Tax benefits are subject to change in tax laws.
Care Policy by Care Health Insurance is a comprehensive plan that pays for medical expenses from any accident, illness or injury. It's available in five variants — Super Saver, Elite, Elite Plus, Global & Global Plus — covering hospitalisation, pre/post-hospitalisation expenses, annual health check-ups, and day-care treatments that don't require overnight admission. The plan is designed to scale with your needs, from a lean base cover to a global variant with worldwide treatment.
Automatically restores your full sum insured once exhausted in a policy year — for both related and unrelated illnesses.
A complimentary preventive health check-up every year at network centres, from day one of the policy.
Wide network across India so you can get treated without paying upfront and claiming later.
Road ambulance charges covered up to ₹1,500 per hospitalisation, no extra cost.
Ayurveda, Unani, Siddha and Homeopathy treatments covered up to ₹15,000.
Domiciliary treatment covered up to ₹30,000 when hospital admission isn't possible.
Bundles three benefits — Claim Shield, No Claim Bonus, and Inflation Shield — into one rider.
Recharge your sum insured unlimited times a year, for both related and unrelated illnesses.
Covers doctor consultations, pharmacy bills, and investigative tests on an outpatient basis.
Emergency air transport cover for treatments not available in your city.
Browse exactly what Care Policy pays for, what it excludes, and which add-on riders you can stack on top — filter by status or jump straight to a category.
Up to ₹3,000/day; no capping on the Elite & Global variants.
30 days before admission and 60 days after discharge.
No sub-limit on ICU room rent across all variants.
Excluded unless required due to an accident.
Excluded under all variants, per IRDAI standard exclusions.
Extends treatment coverage to select countries abroad.
One free preventive check-up every policy year, from day one.
Not available on the Super Saver variant.
Not available under this plan.
Add-on cover for emergency air transport to a treatment centre.
Recharge your sum insured unlimited times a year, related or unrelated illness.
Excluded under the base plan.
Excluded under the base plan.
Covers delivery expenses after a 2-year waiting period.
Available only when bundled with the Maternity Add-on rider.
Up to ₹15,000 per policy year for Ayurveda, Unani, Siddha & Homeopathy.
Domiciliary treatment covered up to ₹30,000.
Not covered under the base plan.
Add-on covering doctor consultations, pharmacy & diagnostic tests.
Covered only after a 4-year continuous waiting period.
e.g. cataract, hernia — covered only after 2 years.
First 30 days, except accidental hospitalisation.
Reduces the PED waiting period from 4 years to 1 year.
No items match this filter in this category — try "All Features" or another tab.
No medical check-up is required for applicants up to 45 years of age with no pre-existing conditions. Beyond that, tests may be required as per underwriting guidelines.
Yes, pre-existing diseases are covered after a waiting period of 4 years from the policy start date.
Care Policy supports a family floater option covering self, spouse and up to 4 children under one sum insured; parents typically need a separate senior-citizen-oriented plan.