Terms & Conditions of Premium Quote Generation

"Care Health Insurance Ltd & associate partners may contact you to assist you with website navigation of www.careinsurance.com and assist in proposal filling."

The premium calculated above is based on the data provided by you in the application form.
The above information must be read in conjunction with the sales brochure and policy document.
Tax Benefits would be available as per the prevailing Income Tax laws.
GST has been levied as per applicable Tax laws.
The general terms and conditions of the usage of this website also apply.
For any clarification, please feel free to contact us on 1800-102-4488.
I authorize Care Health Insurance and associate partners to contact me via email or phone or SMS and record the conversation for training & Quality purpose.

Care Advantage - 1 Crore Health Insurance Plan

An extensive health insurance plan with 1 Crore policy coverage to beat the ever-rising medical inflation in case of an emergency.

Get Higher Coverage at an Affordable Premium

Get a Free Quote

Enter Mobile Number +91

By clicking, you agree to our Terms and Conditions

Get updates on WhatsApp

Select family members
you want to cover

Self

Spouse

Son

- +

Daughter

- +

Father

Mother

Continue

Where do you live?
Help us with your city

Enter Your City / Pincode

View Quote

Reasons to Choose Care Health Insurance?

20,800+ CASHLESS HEALTHCAREPROVIDERS^^
95.2% INSURANCE CLAIMSETTLEMENT RATIO*
30 LACS+ CLAIMS SETTLEDSUCCESSFULLY*

What is a 1 Crore Health Insurance Plan?

Care Advantage is a 1 Crore Health Insurance Plan designed by Care Health Insurance. It can be a good option to cover the extensive medical expenses incurred during a hospitalistaion. The policy comes with multiple sum insured options ranging from Rs 25 Lakh, Rs 50 Lakh and 1 Crore to safeguard you and your family as you can access the best medical treatment without stressing over hefty medical bills.

The first thing one sees while buying health insurance is the sum insured being offered by the insurer. It is always necessary that you opt for coverage that has comprehensive benefits along with affordability. When it comes to health, it is good to have the advantage of health insurance that offers coverage of up to 1 crore with expansive benefits. Hence, adequate coverage ensures you don’t fall short of money while you or your loved one is hospitalized and needs financial assistance.

Cover Highlights

Organ Donor Cover

No claim bonus

emergency ambulance

Day care treatments

Pre & Post hospitalization
Expenses

Benefits of 1 Crore Health Insurance Plan

See all Sum Insured Options

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)

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

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

See Details

Care Shield

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

See Details

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

Get a discount of 15% on premium

See Details

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
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

Voice of Our Customers

Ravi Kumar Singh

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

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

Radha Sethi

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

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

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

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

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

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

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

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

FAQs of Care Advantage

Oops! No results found for your keyword search

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 till 25th March 2022

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