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Lijiye Advantage, ₹1 cr Health Cover Ka

  • Sum Insured options to choose from 25 Lacs, 50 Lacs or 1 Crore
  • Up to 50% No Claim Bonus
  • Coverage for Day care treatments
  • In-Patient Hospitalization







Get ₹ 25 Lacs Health Cover at ₹ 558/month^



Any past or ongoing medical conditions of any insured member
Any Condition, ailment or injury for which the insured person had signs or symptoms and/or were diagnosed, and/or received medical advice/treatment within 48 months prior to the first policy issued by the insurer.


7.5% OFF

10% OFF


All Members

- +
- +

Care Advantage

rupee ----

(Premium includes 18% GST)

Base Cover


Additional Covers




Policy sum insured increases by 10% for every claim free year. The maximum increase allowed is 50% of policy sum insure


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


Through this coverage get automatic recharge of your sum insured if claim amount exhausts your coverage limit


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.


Get 15% discount on premium by restricting treatment on network hospital specially created for smart select optional cover

Copyright. Care Health Insurance (formerly known as Religare Health Insurance Company Limited).

Policy Benefits of Care Advantage

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 close
  25 Lacs / 50 Lacs


1 Crore
Sum Insured 25 Lacs / 50 Lacs 1 Crore
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.
Up to SI Up to 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

Get a discount of 15% on premium

See Details

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

See Details

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

See Details

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

See Details

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 20% per claim, where age of insured / eldest member is 61 years or above

  • 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


Cashless Insurance


Intimate within 24 hours of your hospitalization

Planned Hospitalization

Intimate us 48 hours prior to your hospitalization


Reimbursement Insurance Claim Form Submission


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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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 your intimation regarding the acceptance of my claim and had a minor query as to what is the claim amount settled by you. Thank you. View more

Ankita Sharma

Health Insurance

Indubala Nambiar

We will continue to avail of your scheme.

Thank you for settling the claim amount. Kindly inform me when the amount is remitted to the credit of my bank account with the Bank of Baroda. We will continue to avail of your scheme when we travel abroad. View more

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 while my wife was recovering from typhoid. Thanks Virender you are a star! View more

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 reimbursement request related to my mother’s operation. You were really helpful explaining the process in advance before the treatment and also during the final settlement. View more

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 with holding payment or rejecting it outright on very flimsy grounds as they are averse to parting with their money. It was not the case with Care health insurance. Thank you, may your tribe grow. View 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 (CHI) (formerly known as Religare Health Insurance Company Limited) 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


23 lakh + Claims settled*


Cashless claim processing
in approx. 2 hours

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.
Benefits of Buying Health Insurance for Senior Citizen Online


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 (formerly known as Religare Health Insurance Company Limited), 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 (formerly known as Religare Health Insurance Company Limited), 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

FAQs of Care Advantage


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Most Frequently Asked Questions

Popular 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 (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.

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. 6687/-(excl. GST) for 1 adult falling under the age bracket 18-24 years.

Care Advantage complete plan details

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