Carepal SECURE MAX - Comprehensive Health
Insurance for the Whole Family
CarePal Max - 25 Lakhs Health Insurance for the Whole Family
CarePal Max is a powerful ₹25 lakh health insurance plan tailored for families seeking complete protection and everyday healthcare benefits. Designed for people aged 18 to 45, this plan is powered by Star Health Insurance and supports coverage for up to four members, including a donor.
Whether planning long-term protection or looking for the best health insurance for ₹25 lakhs, CarePal Max combines affordability with premium features. The ₹25 lakh health insurance premium starts at just ₹8,000, making it a practical choice for young families.
Age Category: 18 to 45 years
Powered by:
Key Benefits of the CarePal Secure Max Plan
Teleconsultation Services
CarePal Secure Max offers 24/7 access to specialist teleconsultations across 18+ fields directly via Medibuddy. This immediate access to expert advice from home sets it apart, no wait times, in-person visits, or added fees, ensuring timely care whenever you need it.
Medicine Discounts
Enjoy up to 15% off medicines plus a ₹2,000 voucher—offering direct savings and affordability beyond typical insurance coverage. This unique blend of discounts and vouchers ensures prescription costs are reduced, helping members better manage chronic and acute illnesses.
Diagnostic Discounts
CarePal Secure Max provides up to 70% off on laboratory tests and diagnostics plus a ₹2,400 voucher. Such substantial discounts far exceed standard insurance reimbursement rates, making preventive and diagnostic healthcare more financially accessible for families.
Outpatient Voucher
With a ₹3,000 OPD voucher, the plan covers routine doctor visits without requiring hospitalization. This benefit, rarely offered in Indian health insurance, empowers users to seek outpatient care, supporting early intervention and long-term wellness.
Tax Advantage
Premiums paid towards the ₹25 lakh health insurance premium are eligible for tax deductions under Section 80D of the Income Tax Act. This makes it a smart financial move alongside health protection.
CarePal Secure Max Plan at a Glance
One plan covers up to 4 members of a family for 365 days.
This ₹25 lakh health insurance plan is designed for individuals and families seeking broad medical coverage at an affordable premium. Backed by Star Health Insurance, the plan ensures seamless access to care and financial protection.
Here’s a more in-depth breakdown of the CarePal Secure Max 25 Lakh health insurance plan:
| Features | CarePal Secure Max |
|---|---|
| Sum Insured | ₹25 Lakhs (Super top-up with ₹5 Lakh deductible) |
| Covered Members | Up to 4 |
| Age Eligibility | 18 to 45 years |
| Teleconsultations | 18+ Specialties + Specialist Doctors |
| Inpatient Hospitalisation | Covered |
| Donor Expense Coverage | Included |
| AYUSH Treatment | Covered |
| Pre & Post Hospitalisation | Included |
| Ambulance Coverage | Road Ambulance |
| Room Rent Coverage | Covered |
| Waiting Period for Pre-existing Conditions | 2-3 Years |
| Cashless Treatment | Available at Network Hospitals |
| Medicine Discount | Up to 15% + ₹2,000 Voucher |
| Diagnostic Discount | Up to 70% + ₹2,400 Voucher |
| OPD Voucher | ₹3,000 |
| Insurance Partner | Star Health Insurance |
| Tax Benefits (Under Sec 80D) | Yes |
What Does the CarePal Secure Max Plan Cover?
The CarePal Secure Max plan offers comprehensive coverage designed to protect you and your family from rising healthcare expenses. Here's a breakdown of what the policy includes:
Here’s what you get:
Inpatient Hospitalisation
Covers medical expenses incurred during hospital stays, including surgeries, nursing, ICU, and medication costs.
Donor Expenses
Offers financial coverage for organ donor-related medical costs, supporting both the insured and the donor.
AYUSH treatment
Covers alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy for a holistic approach to healing.
Pre and Post Hospitalisation
Pays for diagnostics, consultations, and medications up to a specified number of days before and after hospitalisation.
Room rent coverage
Provides financial support for hospital room charges based on policy terms, offering flexibility in room type selection.
Accidental coverage for day 1
Accidents are covered from the very first day of the policy—no waiting period required for emergency situations.
Less pre-existing waiting (2-3 yeas)
Reduced waiting period for pre-existing diseases compared to many standard plans, allowing earlier access to treatment.
Cashless treatment at tie up hospitals
Enables hassle-free hospitalisation without paying upfront—valid at network hospitals across India.
Road ambulance coverage
Includes costs of ambulance services during medical emergencies to ensure timely access to care.
Steps to Buying the CarePal Secure Max 25 Lakh Health Insurance Plan Online
Here's a simple guide to purchasing the CarePal Secure Max health insurance for 25 lakh online, so you can easily get started with your coverage today:
- Explore Available Plans: Browse the available health insurance plans on the CarePal Secure website. Choose the plan that best fits to your budget.
- Select the CarePal Secure Max Plan: Choose the CarePal Secure Max Plan by clicking "Buy Now" for a detailed view of benefits and coverage.
- Provide Essential Details:Enter your details, including your name, contact number, email address, and the family members to be covered.
- Review Plan Details:Confirm the coverage amount, including the sum insured and add-ons, such as daycare procedures, ambulance cover, and more.
- Choose Your Payment Method:For the transaction, select your preferred payment method (credit/debit card, net banking, UPI).
- Secure Payment:Complete your payment via a secure payment gateway, protecting your details.
- Receive Your Policy Documents:Once your payment is processed, the policy documents are sent directly to your email, allowing immediate access to your ₹25 lakh health insurance policy details.
Why Choose the CarePal Secure Max ₹25 Lakh Health Insurance Policy?
If you're considering health insurance for yourself or your family, the CarePal Secure Max ₹25 Lakh Health Insurance Policy offers robust coverage with valuable benefits. Here's why this plan could be the right choice for you:
- Comprehensive Family Coverage: ₹25 Lakh Sum Assured: This plan covers up to 4 family members under a single policy, ensuring all members are protected for a full year. It's ideal for families who need extensive coverage without purchasing multiple plans.
- High Coverage at Affordable Premiums: Despite the high sum assured of ₹25 lakhs, the premium is just ₹8,000, making it an affordable option for families seeking comprehensive coverage.
- Cashless Hospitalisation Across a Wide Network: With carefully chosen network hospitals, the CarePal Secure Max plan offers cashless hospitalisation, ensuring you won’t need to pay upfront for treatment at participating hospitals. This is particularly beneficial in emergencies when cash flow is a concern.
- Telemedicine and 24/7 Access to Healthcare Experts: Access 18+ specialities through Medibuddy’s telemedicine services, ensuring that you have 24/7 access to medical professionals for consultations, advice, or second opinions without leaving your home.
- Extra Savings with Healthcare Vouchers: You’ll receive discounts on health-related expenses like medicines, lab tests, and outpatient services via Medibuddy vouchers, reducing out-of-pocket expenses for non-hospitalisation care.
- Coverage for Critical Illnesses: The plan includes critical illness coverage, covering serious conditions like cancer, heart disease, kidney failure, and more, which can be financially overwhelming without insurance.
- Holistic Coverage Including AYUSH Treatments: This plan covers AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, and Homoeopathy), giving you a comprehensive approach to healthcare that includes both modern and traditional healing methods.
- Seamless Online Process: Purchasing and managing the CarePal Secure Max ₹25 Lakh Health Insurance Policy is straightforward and can be done online. After purchase, you’ll instantly receive all your policy documents via email, keeping everything hassle-free.
- Ideal for Young Families and Individuals: Targeted at individuals and families within the 18 to 45-year age bracket, the CarePal Secure Max policy provides value for those looking for robust protection at a competitive price without the complex paperwork.
Frequently Asked Questions
Frequently asked questions
To apply for the CarePal SecureMax ₹25 Lakh Health Insurance plan, you will need the following documents:
Proof of identity (Aadhaar card, Passport, etc.)
Proof of address (Electricity bill, Aadhar, etc.)
Age proof
Medical history (if applicable)
Bank details for premium payment
