Carepal SECURE MINI - Affordable Health
Coverage with Essential Benefits
CarePal Secure Mini – Affordable Health Coverage with Essential Benefits
Want a health insurance premium for ₹10 lakhs that keeps things simple and efficient? CarePal Secure Mini is an excellent choice to start with.
Benefits of Buying CarePal Secure Mini Comprehensive Health Insurance Plan
The CarePal Secure Mini comprehensive health insurance plan offers several key features that differentiate it from standard health policies. Here’s what makes it worth considering:
Priority Teleconsultation
Get fast access to experienced doctors without long waiting times, helping you manage minor illnesses or get medical advice conveniently from home.
Up to 15% Discount on Medicines
Save on recurring healthcare costs with exclusive discounts on prescribed medicines through partnered pharmacies.
Up to 70% Discount on Lab Tests
Access essential diagnostics and preventive check-ups at discounted rates—ideal for routine monitoring and early detection.
₹10 Lakh Super Top-Up
Boost your existing coverage with an super top-up, providing extra financial support during major medical events without the need to switch plans.
CarePal Secure Mini Health Insurance Plan at a Glance
One plan covers up to 4 members of a family for 365 days
If you're looking for an affordable and effective ₹10 lakh health insurance plan for your family, CarePal Secure Mini offers a comprehensive solution. This 10 lakh insurance policy is designed for individuals and families who need essential medical coverage without paying a high premium.
It’s one of the best health insurance plans for ₹10 lakhs, balancing affordability and essential protection. Here’s what the plan includes:
| Benefit Category | CarePal Secure Mini (₹1899/year) |
|---|---|
| Sum Insured | ₹10 Lakhs (Super Top-Up with ₹5 Lakh Deductible for 1 person) |
| Coverage Duration | 365 Days |
| No. of Members Covered | 1 (Ideal for Individuals) |
| Inpatient Hospitalisation | Covered |
| Pre & Post Hospitalisation | Covered |
| AYUSH Treatment | Covered |
| Donor Expense Coverage | Covered |
| Room Rent Coverage | Covered |
| Accidental Coverage from Day 1 | Covered |
| Room Rent Coverage | Covered |
| Waiting Period for Pre-existing Conditions | 2-3 Years |
| Cashless Network Hospital Access | Available |
| Ambulance Coverage | Road Ambulance |
| Teleconsultations | 18+ Specialties |
| Medicine Discounts | Up to 15% |
| Diagnostics Discounts | Up to 70% |
| OPD Vouchers | Not Applicable |
| Insurance Partner | Manipal Cigna Health Insurance |
Comprehensive ₹10 Lakhs Health Insurance Coverage for All
CarePal Secure Mini offers a ₹10 Lakh super top-up cover (₹5 Lakh deductible) exclusively for donors, delivering robust inpatient protection. It includes AYUSH treatment, pre‑ and post‑hospitalization care, and room rent coverage. With a reduced 2–3 year waiting period for pre-existing conditions, both donors the families enjoy timely access to quality care.
Inclusions and Exclusions of a CarePal Secure Mini plan
CarePal Secure Mini is designed to offer essential protection for individuals, ensuring you're covered during medical emergencies without facing financial strain. Below is a detailed look at what’s included and not under this policy.
Inclusions under the CarePal Secure Mini Plan
The CarePal Secure Mini plan provides wide-ranging benefits for single individuals under a 10 lakh insurance policy with a ₹5 lakh deductible. Here’s what’s covered:
Inpatient Hospitalisation
Covers medical expenses for hospital stays that require 24+ hours of admission.
Daycare
Daycare Treatments include procedures that don’t require overnight hospitalisation, such as cataract surgery and dialysis.
Donor Expenses
Organ donor hospitalisation and surgical expenses are included.
AYUSH treatment
Alternative therapies including Ayurveda, Yoga, Unani, Siddha, Homoeopathy are covered.
Pre and Post Hospitalisation
Depending on the condition and treatment, medical costs incurred before admission and after discharge are covered.
Mental Health Coverage
Treatments including counselling, therapy, and psychiatric consultations are supported.
Accidental coverage for day 1
Immediate coverage for accidental injuries from the policy start date.
Teleconsultations
Access to doctors across 18+specialties through online consultation.
Medicine Discounts
Save up to 15% on prescription medicines.
Ambulance Charges
Road ambulance expenses during medical emergencies are reimbursed.
Diagnostic Test Discounts
Up to 70% off on lab tests and diagnostics.
Exclusions under the CarePal Secure Insurance Plan
While the CarePal 10 lakh health insurance plan covers many benefits, some exclusions apply. Here’s what’s not covered:
- Pre-existing Diseases: Not covered during the initial 2–3 year waiting period (coverage applies after this period).
- Self-inflicted Injuries or Suicide: Any intentional self-harm or related treatment is not covered.
- Alcohol or Substance Abuse: Expenses related to treatment for addiction or drug/alcohol-related issues are excluded.
- Diseases Diagnosed Within 30 Days of Policy Purchase: Ailments diagnosed within the first 30 days are not covered unless they are due to accidental injury.
- Non-Allopathic Treatments: Treatments not under allopathic or AYUSH categories are excluded.
- Cosmetic Procedures include plastic surgery, botox, or cosmetic dental treatments that are not linked to accidents.
- AIDS and Related Treatments: HIV/AIDS-related treatments are not included.
- War or Civil Unrest: Injuries caused by war, invasion, or civil war scenarios are excluded.
Eligibility Criteria
- Age Group: Ideal for individuals of any adult age; not specific to senior citizens.
- Coverage: Super top-up health insurance for one person for a year.
- Sum Insured: ₹10 Lakhs with ₹5 Lakh deductible.
This plan is a suitable entry-level 10 lakh health insurance policy that keeps your premium low while protecting you during high-cost hospitalisations.
Who Needs the CarePal Mini ₹10 Lakh Medical Insurance Plan?
The CarePal Mini ₹10 lakh medical insurance plan is designed for those who want practical and affordable protection without compromising essential health benefits. It’s best suited for:
Individuals Seeking Comprehensive Backup
If you’re looking for a 10 lakh insurance policy that offers strong coverage against major hospitalisation costs while keeping your health insurance premium within a 10 lakh budget-friendly, this plan is ideal.
The ₹5 lakh deductible makes it a smart choice for people who already have base coverage or are willing to pay initial medical expenses out-of-pocket.
Families Wanting Extra Support
CarePal Secure Mini lets you cover up to four family members under one ₹10 Lakh super top-up policy (₹5 L+deductible) for 365 days, perfect for bolstering your existing coverage without raising premiums. Powered by Medibuddy Basic, it includes 24/7 teleconsultations (18+ specialties, 16+ languages), plus medicine (up to 15%) and diagnostic (up to 70%) discounts.
Organ Donors Needing Expense Coverage
Organ donors or recipients can benefit from dedicated donor expense coverage, a feature many standard health plans overlook. It ensures you aren’t left managing high surgical expenses alone.
Those Who Want Digital-First, Hassle-Free Access
With teleconsultations across 18+ specialities and discounts on medicines and diagnostics, this plan supports those who prefer digital healthcare access and regular outpatient support alongside hospitalisation coverage.
Perfect for:
- Young professionals with no major pre-existing health issues.
- Families with a base plan who need additional backup.
- Health-conscious individuals who want OPD and preventive care benefits.
- Budget-sensitive individuals looking for the best health insurance plan for 10 lakhs.
Why should you buy Rs. 10 lakhs medical insurance from CarePal Secure?
The CarePal Secure Mini ₹10 lakh health insurance plan is designed to give you solid protection without overburdening your budget. Here’s why it stands out:
High Coverage at a Low Cost
Get a ₹10 lakh insurance policy with a reasonable medical insurance premium. With a ₹5 lakh deductible, this super top-up plan ensures you’re covered for major medical expenses without paying high premiums.
Covers Individuals & Families
Whether you're single or covering up to 4 members, this family mediclaim policy of ₹10 lakhs ensures year-round protection. It’s a practical choice for families who want backup without layering on premium-heavy base plans.
Includes Hospitalisation & Critical Benefits
From inpatient care to accidental coverage from Day 1, CarePal Secure provides more than just basic insurance. It also includes donor expense coverage and pre- and post-hospitalisation benefits, essentials often missed in other ₹10 lakh insurance policy plans.
Access to Everyday Healthcare
Enjoy teleconsultations across 18+ specialities, up to 15% discount on medicines, and up to 70% off on diagnostics—benefits rarely bundled with a ₹10 lakh health insurance plan.
Simple Claims & Trusted Partners
Backed by leading insurers like Manipal Cigna, Star Health, and Care Health Insurance, and supported by a paperless claims process, this policy ensures you get fast help when you need it.
Frequently Asked Questions
Frequently asked questions
- Valid ID proof
- Hospital bills and discharge summaries
- Doctor’s prescriptions
- Diagnostic reports
- Original payment receipts
- This ensures fast claim processing for your family mediclaim policy of ₹10 lakhs.
