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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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    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.
    View Quote

    Reasons to Choose Care Health Insurance?

    • Healthcare Networks
    • Claim settled ratio
    • Claim settled

    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

    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
    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
    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.


    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 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


    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

    21100+ Health care providers serve cashless medical services across the globe

    Look for hospitals around you

    Detailed Hospital List
    21100+ Health Care Providers Across The Globe

    21100+ Cashless Providers

    21100+ 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 31st Dec 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 Chat 8860402452



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