CARE RESERVE · INDIA | EUROPE
Plan the money before care becomes an emergency.
Rare Earth Care Reserve helps families prepare for elderly care, patient care, emergency support, home assistance and long-term family responsibilities through care savings, family pooling, insurance-as-a-service, and regulated financing options.
Regulated-partner notice
Rare Earth Care does not accept deposits, guarantee returns, underwrite insurance, or directly lend money. Savings, pooled contributions, insurance, and care-financing products are provided only through licensed banks, NBFCs, insurers, brokers, payment institutions, crowdfunding providers, or other regulated partners in the relevant jurisdiction.
The premise
Care is emotional. Funding it must be organized.
Families often wait until there is a medical event, senior-care need, home emergency, or caregiving crisis before arranging money. That creates stress, poor decisions, and dependency on last-minute borrowing. Rare Earth Care Reserve creates a structured layer where family members can plan expected care costs, contribute toward future needs, maintain reserves, access insurance through licensed partners, and where legally permitted, explore regulated lending.
Four pillars
A protected care-planning layer.
Care Savings
A planning layer to earmark money for elderly care, patient care, emergency support, transport and recurring assistance — through regulated banking partners.
Explore Care SavingsFamily Pool
Children, siblings and relatives contribute toward one care profile with transparent records and approved expenses — for known contributors only.
Create Family PoolInsurance-as-a-Service
Discover and access relevant protection products through licensed insurance partners under IRDAI (India) and IDD (Europe) frameworks.
Explore Insurance LayerRegulated Care Credit
Eligible families may access care loans, deferred payment, invoice financing or P2P-style lending only through licensed and regulated partners.
Explore Care CreditBuilt with regulated partners
Designed for India and Europe — not shortcuts.
India model
Rare Earth Care Reserve does not operate as an unlicensed deposit-taking platform, unlicensed lender, unlicensed P2P platform, or unlicensed insurance seller. Any P2P lending is enabled only through an RBI-regulated NBFC-P2P partner. Insurance distribution is enabled only through IRDAI-compliant brokers, corporate agents, web aggregators, or insurer partners.
Europe model
Rare Earth Care Reserve does not operate as an unlicensed crowdfunding, lending, banking, payment, or insurance intermediary. Lending-based crowdfunding is enabled only through authorised European Crowdfunding Service Providers. Insurance distribution is enabled only through registered insurance intermediaries under the Insurance Distribution Directive and applicable Member State rules.
Use cases
How families use Care Reserve.
NRI caring for parents in India
A child in Europe contributes monthly into a care pool for elderly parents in India, tracks care expenses, receives reports, and uses verified service partners.
European family planning senior support
A family in Europe sets aside a monthly care reserve for future home assistance, transport, emergency support, and senior companionship.
Siblings sharing parent-care responsibility
Multiple family members contribute into one parent-care reserve, with transparent contribution records and approved care expenses.
Post-hospital recovery planning
A patient's family creates a care budget for 30, 60, or 90 days of home recovery support.
Emergency household readiness
A family maintains a reserve for doctor-on-call coordination, urgent repair, transport, and emergency response support.
Start preparing