Save tax up to ₹75,000^~ u/s 80D

Care Advantage

Avail 5% digital discount

Global Coverage
No Zone-based Copayment
Automatic Recharge
No Claim Bonus

Insured 15,00,00,000+ lives

Get Higher Coverage Up to 6 Cr at an Affordable Premium

Select the members to be insured:

By continuing, you agree to our T&C

Cover Highlights

public

Global Coverage

wrong_location

No Zone-based Copayment

charger

Automatic Recharge

redeem

No Claim Bonus

pulmonology

Organ Donor Cover

medical_services

Advanced Method Treatment

diagnosis

Annual Health Checkup

all_inclusive

Unlimited E-consultation

Product Benefits

Key Features	₹ 7 L, 10 L, 15 L, 25 L, 50 L & 1 C
In-Patient Care Coverage of treatment expenses that required you to stay in the hospital for more than 24 Hours . Expenses covered include Room Rent Charges, ICU Charges, Diagnostics etc.while you are admitted in a hospital.	Up to SI
Day Care Treatment Coverage of treatment expenses that required you to stay in a hospital for less than 24 Hours. We cover all Day Care Procedures like Cataract, Chemotherapy, Dialysis, removal of Stone etc.	All Day Care Procedures
Advance Technology Methods Coverage of Expenses incurred on treatment using specified Advanced Technology methods during hospital stay.	Up to SI
Pre-Hospitalisation Medical Expenses Coverage of expenses incurred on Doctor Fees, prescribed diagnostics and prescribed pharmacy 60 days prior to hospitalization.	60 days prior to hospitalisation
Post-Hospitalisation Medical Expenses Coverage of expenses incurred on Doctor Fees, prescribed diagnostics and prescribed pharmacy 180 days post discharge from hospital	180 days post hospitalisation
AYUSH Treatment Coverage of treatment expenses that required you to stay in the hospital for more than 24 Hours . Expenses covered include Room Rent Charges, ICU Charges, Diagnostics etc.while you are admitted in a hospital.	Up to SI, if hospitalisation takes place in an AYUSH-certified clinic
Domiciliary Hospitalisation Coverage of treatment expenses that required you to start treatment at home under specified circumstances. The Treatment at home should continue for atleast 3 Days.	Up to SI
Organ Donor Cover Coverage of expenses incurred on an operation performed on donor to remove the organ.Removed Organ should be used for insured member. Pre and Post Hospitalization expenses incurred on donor not payable. The Donor should meet all the requirement as speciefied by GOI.	Up to SI
Ambulance Cover Coverage of expenses for hiring a road ambulance for transporting insured to hospital for admission or for shifting insured from one hospital to another for better treatment or for moving insured from hospital to home.	Upto Rs.10,000 per Year for SI < 15 Lacs & Upto SI for SI >= 15 Lacs
Cumulative Bonus we will reward you with upto 100% increase in SI. There will be no reduction in accrued bonus on renewal due to claim.	50% of SI per year, max up to 100% of SI
Unlimited Automatic Recharge You will never run out of coverage due to multiple hospitalization in a policy year. We will recharge policy with an amount equal to SI opted unlimited times in a policy year. This additional amount can be used for multiple hospitalization for related or unrelated illness	Available
Unlimited E-Consultations Avail Unlimited e-consultation from a general Physician by booking appointmemnt through mobile application.	Available
Health Services Discount Connect - Discounts on services such as consultations, diagnostics, maternity etc at our network.	Available

Plan Highlights

This plan offers flexible sum-insured options from ₹ 25 lakh to ₹ 6 crore, suitable for individuals or large families needing extensive coverage.
If your base SI is exhausted during a policy year, the Automatic Recharge benefit in this plan ensures continuous coverage for future claims.
No sub-limits on expenses for pre- and post-hospitalisation, AYUSH treatment, day care hospitalisation, and organ donor cover.
The optional global coverage add-on allows you to access treatment outside India, as per SI and the chosen geography, ensuring worldwide protection.

Plan Details

Policy Terms
Exclusions

Entry Age Minimum
Individual	5 years
Floater	91 days with at least 1 Insured Person of age 18 years or above
Entry Age Maximum
Adult	Lifelong
Child	24 years
Exit Age	No Exit Age
Age of Proposer	18 years and above
Renewability	Lifelong
Cover Type
Tenure Options	1/2/3 Years
Waiting Period
Initial Waiting Period	30 days, except for the treatment of injuries
Named Ailment Waiting Period	24 months
Waiting Period due to pre-existing diseases	36 months
Grace Period	30 days from the date of expiry
Relationship Covered	Self, Spouse, Son, Daughter, Father, Mother, Father-in-law, Mother-in-law

Download Terms and Conditions

Claim Process

Cashless
Reimbursement

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Hospital Locator

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Popular Cities

Mumbai
Chennai
Kolkata
Bengaluru
Pune
Hyderabad
New Delhi
Ahmedabad

Our Extensive Network

22100+
Cashless Healthcare Providers^^

1400+
Cities Across India

Voice of Our Customers

Reviews
Testimonials

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FAQs About Care Advantage

Q. Does Care Advantage offer annual health check-ups?

Yes, the policy offers the option of annual health check-ups as an addition to the basic policy. This helps you monitor your health and take preventive measures promptly.

Q. Is there a co-payment clause in the Care Advantage plan?

Yes, a 20% Co-payment shall apply to all claims under the Care Advantage policy if the insured member opts for it.

Q. What are the eligibility criteria for Care Advantage?

The minimum entry age for an individual to opt for Care Advantage is 5 years, and for the floater policy, it is 91 days, with at least one member aged 18 years or above. There is no upper age limit for enrolment and no age limit for the exit.

Q. Why should you opt for Care Advantage?

Care Advantage by Care Health Insurance is a comprehensive health policy with a high sum insured of up to 6 Cr. It is beneficial because it provides adequate coverage for various medical expenses, including hospitalisation, pre- and post-hospitalisation medical expenses, and daycare treatment. It also provides 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 for a person aged 50 or less if no pre-existing conditions are declared. There are specific medical tests for persons aged 51 or older, and the policy will be issued if those tests are met.

Secure Your Finances Now!

Get the best financial security with Care Health Insurance!

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Sales:1800-102-4499

Services: 8860402452

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Care Advantage: UIN - CHIHLIP26049V042526

Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.

~Tax benefit is subject to changes in tax laws. Standard T&C Apply

^^Number of Cashless Healthcare Providers as of Dec 2025

**Number of Claims Settled as of Dec 2025

*The premium is calculated for an insured individual (18) who opts for a sum insured of 1 crore in a zone 3 city.

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