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Base Cover
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KEY BENEFITS
ADDITIONAL COVERS
NO CLAIM BONUS
Policy sum insured increases by 10% for every claim free year. The maximum increase allowed is 50% of policy sum insure
INPATIENT CARE
If you are admitted to a hospital for in-patient care which should be medically necessary, for a minimum period of 24 consecutive hours, we will pay, maximum up to sum insured
Day care treatments
Hospitalization involving less than 24 hours - some surgeries don't require or need not necessarily require hospitalization stay for minimum 24 hours
AUTOMATIC RECHARGE
Through this coverage get automatic recharge of your sum insured if claim amount exhausts your coverage limit
NCB SUPER
You can add additional 50% increase in Sum Insure for every claim free year. Maximum increase allowed is 100% of policy Sum Insure. Hence with both NCB & NCB SUPER you can increase your Policy Sum Insure upto 150% in 5 consecutive claim free years.
SMART SELECT
Get 15% discount on premium by restricting treatment on network hospital specially created for smart select optional cover
The key to your family’s wellbeing is planning your finances for a secure future. While savings are important to us, we look for ways to splurge on things we desire once in a while – whether dining out with family or going on a shopping spree. However, in our pursuit of happiness, let us not forget that health remains a priority above everything else, especially in this pandemic. Besides, we stare at a future when the burden of diseases like cancer and diabetes will increase manifold. Moreover, medical inflation will touch astronomically high numbers that can impact our financial stability in the light of medical emergencies. The only solution that can come to the rescue is an investment in health insurance. More importantly, securing your health is now much affordable than paying your other household expenses. Watch this video that explains how getting comprehensive health insurance with up to Rs 1 crore sum insured is possible at a low monthly premium so that you can be Atmanirbhar!
Cover Highlights
KEY FEATURES | ₹25L / 50L | ₹1 Cr |
---|---|---|
In-Patient Hospitalization
Hospitalization for at least 24 hours
We pay for – room charges, nursing expenses and intensive care unit charges, surgeon's fee, doctor's fee, anesthesia, blood, oxygen, operation theater charges, etc.; If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours. Hospitalization less than 24 Hours We cover medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for 24 hours or more. As a matter of fact we cover over 540+ day care procedures. |
Upto SI | Upto SI |
Day Care Treatment
We cover medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for 24 hours or more. As a matter of fact we cover over 540+ day care procedures.
|
Upto SI | Upto SI |
Pre-hospitalization
We cover the relevant medical expenses such as investigative tests, routine medication, medications incurred by you up to 30 days before your hospitalization
|
30 Days | 30 Days |
Post-hospitalization
We cover the relevant medical expenses such as doctor consultation, Diagnostic tests, medications etc. incurred up to 60 days post your hospitalization.
|
60 days | 60 days |
Ambulance Cover
In an emergency, we reimburse expenses incurred by you for availing a domestic road ambulance during your hospitalization.
|
Up to SI | Up to SI |
Organ Donor Cover
We reimburse you the medical expenses that are incurred by you on the organ donor for organ harvesting operation.
|
Up to SI | Up to SI |
No Claims Bonus(NCB)
We raise a cheer to good health for every year that you don't claim by increasing your Sum Insured by 10%, up to a maximum of 50% in 5 consecutive years.
|
||
Automatic Recharge
If you ever run out of your health cover due to claims made, we will reinstate the entire Sum Insured amount of your policy.
|
Up to SI (Once in a Policy Year) | Up to SI (Once in a Policy Year) |
Care Advantage complete plan details
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Getting health insurance early in life will protect you in the most crucial times in life. Healthcare is increasingly becoming expensive in India. Thus, it’s time you choose a health cover with higher coverage, which is absolutely essential for your financial safety. Good health is the key to happiness; however, rising medical inflation and treatment cost signal the need for higher health insurance cover. No one can deny the fact that medical emergencies are unpredictable. Illnesses or injuries can put your life off-balance. Thankfully, due to medical advancements, a cure is now possible even for serious health problems. Certain medical procedures can cost lakhs of rupees and become a cause of concern. Expensive medical treatment can damage life savings, which is why opting for the Best Health Insurance Policy with adequate coverage is a must.
Care Advantage enables you to avail of quality medical treatment when you need it, in a quick and convenient manner. It offers you sum insured options for 1 Crore, Rs 25 Lakh, and Rs 50 Lakh that will safeguard the well-being of your loved ones, as you can access the best medical treatment without any stressing over hefty medical bills. There are also a host of benefits you can avail to help you lead a healthier life and stay worry-free about finances. You can choose an individual cover or a family floater for 1 Crore, 50L, and 25L.
Care Advantage helps you and your loved ones sail through the most difficult medical situations by offering you 1 Crore Family Health Insurance cover along with two more health cover options with a sum insured of Rs 25 Lakh and Rs 50 Lakh, respectively. It includes the below-mentioned features:
The following are some vital points to consider when opting for a health cover:
Lifestyle diseases are on a constant rise. While we ensure to follow a healthy lifestyle and healthy diet, it is crucial to be financially prepared for any health emergency. Medical conditions are not always due to poor lifestyle. It may be due to hereditary factors as well. Thus, a health insurance policy with higher coverage, for instance, Rs 1 Crore Health insurance, would serve as a financial cushion. All your major expenses entailing hospitalisation, daycare treatment, as well as pre and post hospitalisation medical expenses, will be covered under your policy. You get coverage for certain specific ailments and pre-existing diseases after the waiting period is over, subject to policy terms and conditions.
Before making a judicious choice for the preferred health insurance policy, it is important to consider certain factors as listed below:
A Health insurance policy not only covers your medical expenses but also offers you tax benefits under Section 80D of the Income Tax Act. As per this provision, you are eligible to claim a tax deduction of Rs 25,000 in a financial year for the premium you pay towards the policy. In case you have senior citizen parents covered under the policy, you get an additional deduction of Rs 50,000 under Section 80D tax benefits.
In case of emergency hospitalization, reach out to our customer support team and inform us within 24 hours of your admission to the hospital. In case of planned hospitalization, inform us 48 hours prior to admission.
Exclusions are the diseases that are not covered under the policy. Some common exclusions for Health Insurance Policy are listed below:
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Most Frequently Asked Questions
The minimum entry age to opt for Care Advantage is:
There is no upper age limit for enrolment and no age limit for exit.
Care Advantage by Care Health Insurance (formerly known as Religare Health Insurance Company Limited) is a comprehensive health policy with high sum insured of 1 Crore, 50L, and 25L. It is beneficial as it offers adequate coverage for various medical expenses, such as hospitalization expenses, pre and post hospitalization medical expenses and daycare treatment. It also offers tax benefits for the policyholder.
As per the policy terms and conditions, No pre-policy medical check-up is required if no pre-existing declared for a person up to 50 years of age. For persons above the age of 51 years, there are specified medical tests, and the policy will be issued basis under tele writing.
Premium is a pre-decided amount of money paid by the policyholder periodically towards a health insurance policy. It is decided based on several factors such as age, type of coverage, amount of coverage, health conditions, etc. Using a health insurance premium calculator, a tool designed to accurately calculate the premium, you can calculate the premium amount.
Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
*IBAI Claims Handbook for FY 19-20
^Annual premium for product 'Care Advantage' and 'Care Shield (add on)' is Rs. 7890/-(Incl. GST) for 1 adult falling under the age bracket 18-24 years.
^^Number of Cashless Healthcare Providers till 25th March 2022
Care Advantage complete plan details
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