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An extensive health insurance plan with 6 Crore policy coverage to beat the ever-rising medical inflation in case of an emergency.
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
No claim bonus
emergency ambulance
Day care treatments
Pre & Post hospitalization
Expenses
| 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.
|
 |
|
| 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.
|
|
|
| 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.
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!
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 DetailsCare Shield
An add-on cover that offers 3 benefits, namely- claim shield, no claim bonus shield and inflation shield.
See DetailsRoom Rent Modification
The Room Rent/Room Category shall be limited to “Single Private Room” under Hospitalization Expenses
See DetailsProtect Plus
Get coverage for planned medical treatment expenses incurred outside India.
See DetailsAnnual Health Check-up
We care for your well-being. Thus, we offer one health check-up every year for insured members.
See DetailsReduction in PED Wait Period
This Optional Cover reduces the applicable PED wait period from 48 months to 24 months.
See DetailsCare 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 DetailsNo Claim Bonus Super
×For 5 consecutive claim free years by using No Claims Bonus (NCB) & No Claims Bonus – Super (Optional Cover).Incremental increase every year is applicable on base Sum Insured. If a claim is made in any particular year, accrued NCB and NCB-Super will be reduced at the same rate at which it is accrued.
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My appreciation for your prompt service
Rahul Sangwan
Health Insurance
We will continue to avail of your scheme
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Health Insurance
Everything went very smooth
Soubhagya K Kulkarni
Health Insurance
Really helpful explaining the process in advance
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*
38 Lakh+ Claims Settled**
22900+ CASHLESS HEALTHCARE PROVIDERS^^
**Number of claims settled as of 30th June 2023 *India Insurance Summit & Awards 2023
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Most Frequently Asked Questions
The minimum entry age to opt for Care Advantage is:
There is no upper age limit for enrolment and no age limit for the exit.
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.
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
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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Your health is topmost priority. Check health insurance premium now!
Your health is topmost priority. Check health insurance premium now!
22900+
Cashless Healthcare Providers^^
38 Lakh+
Insurance Claims Settled**
24*7
Claim and Customer Support
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