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Care Advantage - ₹6 Crore Health Insurance Plan

An extensive health insurance plan with 6 Crore policy coverage to beat the ever-rising medical inflation in case of an emergency.

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Get Higher Coverage at an Affordable Premium

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Who is not eligible for Global Coverage add-on?
NRI/NRO/OCI/PIO/Individuals with dual citizenship/Foreign Nationals/People employed or planning overseas employment/Students enrolled or planning to register with foreign universities will not be offered Global coverage as per current Underwriting rules of the company.
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Reasons to Choose Care Health Insurance?

  • Healthcare Networks
    22900+ Cashless Healthcare Providers^^
  • Claim settled ratio
    38 Lakh+Insurance Claims Settled**
  • Claim settled
    24*7Claim and Customer Support

What is Care Advantage Health Plan?

Care Advantage is an extensive health insurance policy offering wide-ranging sum insured options up to 6 Crores. The policy aims to lower the burden of expensive medical treatment by offering exhaustive sum insured options starting from 25 lakhs and going up to as high as 2, 3, and 6 crores. The vast sum insured coverage ensures that you and your loved ones can access quality medical care without worrying about financial crunches. 

The coverage includes major medical expenses like pre- and post-hospitalisation costs, in-patient care, daycare treatments, ambulance cover, and AYUSH treatment. With customisable benefits and various optional covers, Care Advantage is a one-stop insurance solution for large and small families. Read on to learn about the policy features and how you can enhance its coverage with various optional benefits.

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
Expenses

Benefits of Care Advantage Plan

See all Sum Insured Options arrow

KEY FEATURES 25L / 50L / 1Cr 2/ 3/ 6Cr
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
Daycare 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.
Up to SI Up to SI
Pre-hospitalization*
We cover the relevant medical expenses such as investigative tests, routine medication, medications incurred by you up to 60 days before your hospitalization
60 Days 60 Days
Post-hospitalization*
We cover the relevant medical expenses such as doctor consultation, Diagnostic tests, medications etc. incurred up to 180 days post your hospitalization.
180 days 180 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 run out of your health coverage amount, we will reinstate the entire sum insured, including the case of the same person – same diseases, without waiting for 45 days.
Up to SI (Once in a Policy Year) Up to SI (Once in a Policy Year)
Unlimited E-Consultations*
Avail unlimited e-consultations from a general physician by booking an appointment through our mobile application. The benefit is available with the ‘Protect Plus’ add-on policy.
tick-mark tick-mark
AYUSH Treatment
Get coverage for medical charges, ICU charges, diagnostics, etc., during hospitalisation up to the sum insured.
Up to SI Up to SI
Global Coverage**
With the add-on policy of ‘Protect Plus’, we offer coverage for medical treatment expenses outside India, including or excluding the USA. The benefit is mandatory for 2/3/6 crore SI options.
Optional Basis Inclusive Basis

*Pre/post hospitalisation conditions and unlimited e-consultations available with the add-on policy of ‘Protect Plus’.

**Coverage outside India is available with the add-on policy of ‘Protect Plus’. Also, the claim amount against global coverage shall not include the amount credited under NCB, NCB super, and automatic recharge.

Brochure

Download the Brochure for Care Advantage Complete Plan Details

Download Care Advantage complete plan details

Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!

Add-ons to Cover your Specific Needs

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, namely- 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
Air Ambulance Cover

Air Ambulance Cover

We pay for your necessary ambulance expenses

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
Protect Plus

Protect Plus

Get coverage for planned medical treatment expenses incurred outside India.

See Details
Annual Health Check-up

Annual Health Check-up

We care for your well-being. Thus, we offer one health check-up every year for insured members. 

See Details
Reduction in PED Wait Period

Reduction in PED Wait Period

This Optional Cover reduces the applicable PED wait period from 48 months to 24 months.

See Details
Care OPD

Care OPD

Get covered for 4 general physician consultations and any 4 Specialist Consultations from the list of 14 specified specialists. You will get a maximum reimbursement of ₹500 for each consultation.

See Details

Care Advantage Health Insurance Plan Details

  • Entry age:

    • Minimum: Adult – 5 years and Child 91 days (floater policy)

    • Maximum: Adult Lifelong and Child 24 years

  • Renewability: Lifelong

  • 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

  • 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

Emergency

Intimate within 24 hours of your hospitalization

Planned Hospitalization

Intimate us 48 hours prior to your hospitalization

STEP 2

Cashless

Request for pre-authorization

Reimbursement

Claim from submission

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

Approval

Approval letter sent by the claim management team

Query

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

Rejected

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

Approval letter sent by the claim management team

Query

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

Rejected

We will communicate the reason in case of rejection

22900+ Health care providers serve cashless medical services across the globe

Look for hospitals around you

Detailed Hospital List
22900+ Health Care Providers Across The Globe
22900+ Health Care Providers Across The Globe

Voice of Our Customers

Reviews and ratings are coming soon. Please visit again or read all product reviews here.
Rahul Sangwan

My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

Rahul Sangwan

Health Insurance

Samanway Barik

We will continue to avail of your scheme

I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

Samanway Barik

Health Insurance

Soubhagya K Kulkarni

Everything went very smooth

Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

Soubhagya K Kulkarni

Health Insurance

Vaibhav Rai

Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

Vaibhav Rai

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.

Best Health Insurance Company of the year

Best Health Insurance
Company of the year*

claims-paid

38 Lakh+ Claims Settled**

cashless-claim

22900+
CASHLESS HEALTHCARE PROVIDERS^^

**Number of claims settled as of 30th June 2023       *India Insurance Summit & Awards 2023

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 the exit.

Q. Why You Should Opt for Care Advantage?

Care Advantage by Care Health Insurance is a comprehensive health policy with a high sum insured of 1 Crore, 50L, and 25L. It is beneficial as it offers adequate coverage for various medical expenses, such as hospitalisation expenses, pre and post-hospitalisation 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 conditions are declared for a person up to 50 years of age. There are specified medical tests for persons above the age of 51, and the policy will be issued.

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 as of 30th June 2023

**Number of Claims Settled as of 31st May 2023

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

Brochure

Download the Brochure for Care Advantage Complete Plan Details

Download Care Advantage complete plan details

Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!

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