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Last updated on: September 19, 2025
When comparing the Care Plus Plan and the Digit Bharat X Plan, both offer comprehensive health insurance coverage but cater to different needs and preferences. The Care Plus Plan, usually from Care Health Insurance, focuses on extensive hospitalization benefits, high sum insured options, wellness programs, and add-on covers ideal for families and individuals seeking broader protection and flexibility. On the other hand, Digit Bharat X Plan by Digit Insurance provides affordable health insurance with simplified digital processes, quick claim settlement, and no room rent capping, making it an attractive choice for those prioritizing budget, tech-friendly services, and straightforward coverage. Your choice between the two depends on whether you value richer features and customization (Care Plus) or affordability and digital convenience (Bharat X).
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Education on health insurance is crucial to Indian families in 2025. As the medical expenses increase and the health hazards become uncertain, individuals are comparing such big plans as the Care Plus Plan and Digit Bharat X Plan. These two policies are both popular among Indians looking at extensive and affordability coverage. To guide your sound decision, this guide explores the characteristics, disparities, advantages, and disadvantages of each plan with actual 2025 statistics and trends.
Care Plus Plan is a health insurance product of Care Health Insurance that is diversified. It targets the Indian families with wide coverage at affordable rates. Regardless of whether you are residing in a big city or a small town, it has full hospitalisation cover, pre and post hospitalisation benefits, and various add-ons. Care Plus Plan is particularly topical in 2025 due to the improvement in the online support of claims and the implementation of customized wellness programs.
Pros
Cons
Did you know? However, the IRDAI reported that there is an increase in AYUSH claims in Indian health insurance by 18 percent in the year 2025 due to policies such as Care Plus Plan.
Q: Is Care Plus Plan cashless?
A: Indeed, it provides cashless care in its long list of network hospitals.
Q: What is the minimum age to this policy?
A: The policy can be purchased by adults beginning at 18 years and until 65 years.
Digit Bharat X Plan is a product provided by Digit Insurance, which targets to cover the Indian citizens against the huge medical bills at reasonable premiums. Introduced with the priority of digital convenience, it resorts to smart technology to conduct prompt claims and manage the policies with ease. It is a trend among the millennials, gig workers and tech savvy families in 2025.
Pros
Cons
Expert Opinion: It is estimated that in 2025, approximately 31 percent of new health insurance purchasers in India aged below 35 years selected digital first health insurance plans such as Digit Bharat X due to its speed and flexibility.
Q: Does Digit Bharat X provide family floater?
A: Yes, all of them have individual and family floater cover options.
Q: Is there an age limit to purchasing the plan?
A: It is open to all individuals between the ages of 18 and 65.
It will be beneficial to learn more about the specific differences so that buyers could make a logical decision. The two plans are similar in the basic features but different in many practical considerations such as the range of sum insured, hospital network, claim process as well as the add on offerings.
| Feature | Care Plus Plan | Digit Bharat X Plan |
|---|---|---|
| Sum Insured Range | 5 lakh -1 crore | 2 lakh - 50 lakh |
| Hospitalisation Cover | Yes | Yes |
| Pre/Post Hospitalisation | 60/180 days | 30/60 days |
| Network Hospitals | 15,000 plus | 13,500 plus |
| Digital Process of Claims | Yes, 24x7 | Yes, within 6 hrs |
| Critical Illness Add-on | Yes, optional | Yes, optional |
| AYUSH Coverage | Yes | Yes |
| No Claim Bonus | Up to 100 percent | Up to 50 percent |
| Co-payment | None (except seniors) | None up to 15 lakh; Otherwise according to plan |
| Annual Health Checkup | Yes | Yes |
| Minimum Age of entry | 18 years | 18 years |
| Highest Age of entry | 65 years | 65 years |
| Maternity Add-on | Yes, as add on | Yes, as add on |
Did you know? Onboarding and claims Implementing digital onboarding and claims have decreased the average time of settlement of health insurance by more than 40 percent among the top health insurance companies in India according to the 2025 industry data.
Q: Does it port both the policies to other insurers?
A: Yes, the two permit health insurance portability as per IRDAI guidelines.
Digital transformation has improved ease and speed of settlement of claims tremendously this year. Both plans also assure paperless and fast claims management.
These timelines can be affected by such factors as documentation in the hospital, type of plan and amount of claim.
Expert Opinion: In a study, 87 percent of urban purchasers in selecting their 2025 insurance company considered 24x7 digital service very important.
Q: Is there pre existing diseases coverage on the first day?
A: No, both of the plans have a waiting period (usually 2 to 4 years) before covering pre existing diseases.
The modern day India health insurance buyers do not just demand basic covers. Both the insurers have optional add ons and wellness benefit.
Did you know? In India, users of urban health insurance saw an over 52 percent rise in the usage of teleconsultation in 2025 and much of it was in the form of plans such as Digit Bharat X.
Q: Is it possible to offer a health checkup and teleconsultation each year?
A: Yes, the two plans offer these with some conditions on an annual basis.
Although the premiums are determined depending on the age of an individual, his city, family size, and coverage choices, a sample comparison can be useful.
| Example Family | Care Plus Plan Premium | Digit Bharat X Plan Premium |
|---|---|---|
| Single 30 years old | Rs 7,400 per annum | Rs 6,300 per annum |
| Couple 35 years old | Rs 14,750 per annum | Rs 12,800 per annum |
| 4 man+ wife + 2 children | 23,800 per annum | 20,200 per annum |
The sum insured of 10 lakh rupees is estimated in Delhi NCR.
Digit Bharat X usually sells similar cover at 10-15 percent below the premium charged by other insurers, particularly at low sum insured. When the amount of the sum insured is higher (20 lakhs and more) and wellness features are used, Care Plus is more cost effective.
Q: In both plans, is it possible to pay premiums monthly?
A: Yes, on both there are options of payment on a monthly, quarterly, or annual basis.
Q: Does both the plans qualify to receive the benefits of the income tax under Section 80D?
A: Yes, under Section 80D of the Income Tax Act, both plans qualify as tax deductible in terms of the premiums paid.
Q: Is it possible to change one plan to another after a year?
A: Yes, according to the IRDAI guidelines of portability, the switching is not prohibited and continuity benefits are not lost.
Q: AYUSH treatment under Care Plus Plan vs Digit Bharat X Plan?
A: Yes both plans have AYUSH ( Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy) coverage.
Q: Does the pre and post hospitalisation benefit in both of them, in terms of being cashless?
A: Yes, network hospitals can have all the covered pre and post hospitalisation cashless.
Q: What is the most suitable plan to the seniors that are older than 60 years?
A: Care Plus would provide broader coverage and larger sum insured to the seniors at an increased premium.
Q: Are the two plans both purchasable online?
A: Yes, in 2025 you can purchase and fully manage both policies online.
Q: Are the both mental health covered?
A: Care Plus has cover of mental health according to new requirements; Digit has few mental health add ons.
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Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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