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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.

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Get Higher Coverage at an Affordable Premium

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    Reasons to Choose Care Health Insurance?

    • Healthcare Networks
    • Claim settled ratio
    • Claim settled

    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

    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

    Benefits of 1 Crore Health Insurance Plan

    See all Sum Insured Options arrow

    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
    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
    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.
    tick-mark tick-mark
    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)

    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


    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

    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 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

    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

    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

    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


    Intimate within 24 hours of your hospitalization

    Planned Hospitalization

    Intimate us 48 hours prior to your hospitalization

    STEP 2


    Request for pre-authorization


    Claim from submission

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


    Approval letter sent by the claim management team


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


    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 letter sent by the claim management team


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


    We will communicate the reason in case of rejection


    Look for hospitals around you

    Detailed Hospital List
     19000+ Health Care Providers Across The Globe

    20800+ Cashless Providers

    19000+ Health Care Providers Across The Globe

    Voice of Our Customers

    Ravi Kumar Singh

    review 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

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

    Radha Sethi

    review 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

    review 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

    review 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
    Ankita Sharma

    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

    Indubala Nambiar

    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

    Vikas Singh

    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

    Sahil Khattar

    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

    Aditya Sharma

    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


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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 till 25th March 2022

    **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!

    Reach out to us
    Whatsapp 8860402452



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