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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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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!
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.
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Health Insurance with Higher Sum Insured
Comprehensive Health Insurance for Individual & Family
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:
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 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 31st Dec 2022.
**10% discount is applicable for a 3-year policy.
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