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1 Crore Health Insurance Plan Advantage

A 1 crore health insurance policy is all you need to meet the comprehensive healthcare needs of the entire family. The policy secures expansive healthcare benefits while ensuring lifelong coverage.

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Get Higher Coverage at an Affordable Premium

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    Reasons to Choose Care Health Insurance?

    • Healthcare Networks
    • Claim settled ratio
    • Claim settled

    Policy Benefits of Care Advantage

    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

    Organ Donor Cover

    Organ Donor Cover

    No Claim Bonus

    No claim bonus

    Emergency Ambulance

    emergency ambulance

    Day Care Treatment

    Day care treatments

    Pre & Post Hospitalization Expenses

    Pre & Post hospitalization

    Benefits of 1 Crore Health Insurance Plan

    See all Sum Insured Options arrow

    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
    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
    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.
    tick-mark tick-mark
    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

    Add-ons to cover your specific needs


    Covid Care

    Covers expenses incurred for treatment/quarantine for (COVID-19) with a confirmative diagnosis from Govt. Authorized Centre.

    See Details
    No Claim Bonus Super

    No Claim Bonus Super

    You can increase your sum insured amount by 50% for every claim free year up to a maximum of 100%

    See Details
    Care Shield

    Care Shield

    An add-on cover that offers 3 benefits claim shield, no claim bonus shield and inflation shield.

    See Details
    Room Rent Modification

    Room Rent Modification

    The Room Rent/Room Category shall be limited to “Single Private Room” under Hospitalization Expenses

    See Details

    Covid Care With OPD

    Get Covid Care with up to 1% of SI as OPD benefit after Govt. authorized confirmative diagnosis.

    See Details
    Smart Select

    Smart Select

    Get a discount of 15% on premium

    See Details
    Co-payment Waiver

    Co-payment Waiver

    An Add on cover for 20% Co-payment Waiver

    See Details

    1 Crore Health Plan Details

    • Entry age - Minimum Adult – 5 years and Child 91 days (floater policy)

    • Entry age - Maximum Adult Lifelong and Child 24 years

    • Lifelong Renewability

    • Co-payment: While buying or renewing a policy at age 61 years and above, customers will have the choice to include or exclude the co-payment feature that implies -

      • Continuing the policy with 20% co-payment

      • Continuing the policy without 20% co-payment by opting for a waiver benefit.

    • Initial Waiting Period 30 days from any illness

    • Named Ailment Waiting Period 24 months of continued coverage

    • Pre-existing Disease Waiting Period 48 months of continued coverage

    • Grace Period 30 days from the date of expiry

    Download Terms & Conditions
    • Any item or condition or treatment specified in List of Non-Medical Items

    • Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex

    • Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.

    • Expenses related to any unproven treatment, services and supplies for or in connection with any treatment.

    • Expenses related to sterility and infertility.

    • Screening, counselling or treatment of any external Congenital Anomaly, Illness or defects or anomalies or treatment relating to external birth defects.

    • Treatment of mental retardation, arrested or incomplete development of mind of a person, subnormal intelligence or mental intellectual disability.

    Please refer to policy tnc for detail exclusion

    STEP 1


    Intimate within 24 hours of your hospitalization

    Planned Hospitalization

    Intimate us 48 hours prior to your hospitalization

    STEP 2


    Request for pre-authorization


    Claim from submission

    Complete the pre-authorization form available
    at the hospitals insurance/TPA Desk and send us through fax.


    Approval letter sent by the claim management team


    Hospital/Insured to response to the query raised by the claim management team


    You may initiate the treatment and file for reimbursement claim

    Submission of claim form along with required
    documents, as per the policy terms & conditions


    Approval letter sent by the claim management team


    Insured to response to the query raised by the claim management team


    We will communicate the reason in case of rejection


    Look for hospitals around you

    Detailed Hospital List
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    To locate hospitals around you,

    Voice of Our Customers

    Ravi Kumar Singh

    review I bought Care Advantage Plan from Care Health Insurance for my family. Simplified policy-buying experience with no hassles. Recommended it to everyone!

    Aashini Singh

    review Hospitalization expense cover under care advantage plan saved my mother’s life. Beneficial policy.

    Radha Sethi

    review Care Health Insurance’s Care Advantage plan is the best one to get cashless hospitalization benefit. I got the treatment I needed without worrying about the bills.

    Kusum Chaudhary

    review Buying Care Health Insurance’s care advantage plan was the right decision I made. I got my daycare treatment covered under it. Highly recommend it.

    Chinmay Yadav

    review Appreciate Support of Mr Kumar for hassle free process of buying care advantage online. Team was helpful and prompt to answer all queries related to policy
    Ankita Sharma

    My appreciation for your prompt service

    At the outset, I would like to express my appreciation for your prompt service in taking up the case regarding my claim. I have received timely intimation regarding the acceptance of my claim amount settled by you.

    Ankita Sharma

    Health Insurance

    Indubala Nambiar

    We will continue to avail of your scheme

    Thank you for settling the claim amount. It helped me a lot during my tough time. The process is smooth and hassle-free. I will continue with Care Health Insurance and recommend it to my friends as well.

    Indubala Nambiar

    Health Insurance

    Vikas Singh

    Everything went very smooth

    I would like to pass on my appreciation for Virender, who guided me during the difficult time. He helped me at every stage and didn't keep me waiting. Due to his efforts, I was relaxed and everything went very smooth.

    Vikas Singh

    Health Insurance

    Sahil Khattar

    Really helpful explaining the process in advance

    I just wanted to thank you for the exceptional response from you on the recent cashless hospitalization request related to my mother's operation. You were really helpful throughout.

    Sahil Khattar

    Health Insurance

    Aditya Sharma

    Finalising my claim in a short period

    I must express my profound appreciation for finalising my claim in a short period. I have heard of insurance companies holding payment or rejecting it outright on very flimsy grounds was not the case with Care health insurance, May your tribe grow more

    Aditya Sharma

    Health Insurance

    Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.


    Awarded as Claims
    Leader of the year


    30 Lakh + Claims Settled^^


    Cashless claim processing
    in approx. 2 hours

    ^^number of claims settled as on February, 2022

    About Care Advantage

    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.

    Key Features of Care Advantage Health Insurance Policy

    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:

    • Individual or Floater Option
    • Cover for Hospitalization Expenses
    • Daycare Treatment Cover
    • Pre-and Post-Hospitalization Medical Expenses Cover
    • Ambulance Cover
    • Organ Donor Cover
    • No Claims Bonus
    • Tax Benefits under Section 80 D
    • Automatic Recharge

    Factors to consider while buying Health Insurance for 1 Crore, 50L or 25L

    The following are some vital points to consider when opting for a health cover:

    • Assess Healthcare Needs: Before opting for a health insurance policy, you must assess your healthcare needs by considering factors such as age, the number of family members, medical history, etc. Consider opting for a cover of 1 Crore, 50L, or 25 L, depending on the medical expenses you have estimated.
    • Premium: Going for an increased coverage under your existing health policy may cost you additional charges on the premium. However, by opting for a policy with a high sum insured like a customised 1 Crore Health Insurance Policy, you can look forward to an affordable premium rate.
    • Buy Health Insurance Online: Technology has made buying health insurance easy and convenient. You now have the option to review the best policies comfortably from your mobile or computer screen. Also, you can make premium payments and raise a claim request through an online method.
    Reasons to Choose 1 Crore Health Insurance Policy


    Why do you need Health Insurance Cover with Higher Coverage?

    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.

    Things to Keep in Mind While Buying Health Insurance with High Sum Insured

    Before making a judicious choice for the preferred health insurance policy, it is important to consider certain factors as listed below:

    • Expenses covered: At the time of selecting a health insurance plan, one should select the amount wisely as it covers the medical expenses for a year. Make sure you chose a sum insured which won’t fall short in case of an emergency and the premium for which is not too exorbitant. For protection from huge medical expenses, you can depend on the health insurance 1 Crore coverage under Care Advantage while you also have two more sum insured options to choose from – health insurance with Rs 25L and Rs 50L cover. Make sure you read the policy features to know about the expenses which are covered.
    • Waiting Period: When opting for a health insurance policy, you must check for the waiting period before making a claim. With Care Advantage, we offer coverage with an initial 30 days waiting period for any claim due to illnesses, except injury. There is a waiting period of 48 months for pre-existing diseases and 24 months for specific diseases.
    • Network Hospitals: One should always check the Cashless Network Hospitals of the insurance company. At the time of a medical emergency or hospitalization, the hospitals in the network offer cashless treatment options under this facility; the insurer settles the medical bills directly with the hospital, subject to policy terms and conditions. We, at Care Health Insurance, offer cashless treatment at more than 7900 hospitals across India.
    • Lifetime Renewal: Look for health policies that offer lifetime renewability. There is a higher chance of suffering from diseases and illnesses when you are old. It is advisable to buy a health policy offering lifetime renewability.
    • No Claim Bonus: No claim bonus in health insurance refers to the additional coverage provided by the insurer to the insured if no claim has been made during the year. We, at Care Health Insurance, offer 10% increase in sum insured per policy year if you had a claim-free year; the maximum limit to this increase is 50% of the sum insured.

    Tax Benefits of Care Advantage

    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.

    Claim Settlement Process for 1 Crore Health Insurance Policy

    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.

    Cashless Hospitalization Claim Process

    • Submit the duly filled and signed pre-authorization form to the hospital insurance desk.
    • An approval letter will be sent by our claim management team.
    • If required, a query might be raised from the side of our claim management team.
    • After the approval, your bills will be directly paid to the hospital.

    Reimbursement Claim Process

    • Submit the duly completed and signed Health Insurance claim reimbursement form along with all the required documents:
    • You are required to submit the following documents:
      • Valid photo-id proof
      • Medical certificate issued by the hospital/doctor
      • Original bills, receipts, discharge form issued by the hospital/doctor
      • Other documents, as requested by the insurer
    • Our claim management team may raise a query if required
    • An approval letter will be sent by the claim management team
    • We will communicate in case of any rejection.

    Exclusions in Care Advantage

    Exclusions are the diseases that are not covered under the policy. Some common exclusions for Health Insurance Policy are listed below:

    • Self-Inflicted injuries and suicide attempts
    • Injuries due to consumption of alcohol
    • IVF or infertility treatment
    • Hospitalization due to war or nuclear threat
    • Plastic surgery and cosmetic treatment
    • Other permanent exclusions
    Read More Hide

    FAQs of Care Advantage


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    Most Frequently Asked Questions

    Q. What is the Eligibility Criteria for Care Advantage?

    The minimum entry age to opt for Care Advantage is:

    • 5 years for individual
    • 91 Days with at least 1 member of age 18 years or above, for floater policy

    There is no upper age limit for enrolment and no age limit for exit.

    Q. Why You Should Opt for Care Advantage?

    Care Advantage by Care Health Insurance 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.

    Q. Can I Buy Care Advantage without a Medical check-up?

    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.

    Q. How to Calculate Health Insurance Premium?

    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

    **10% discount is applicable for a 3-year policy

    Care Advantage complete plan details

    Reach out to us
    Whatsapp 8860402452