Reasons to Choose Care Health Insurance?
-
24800+ CASHLESS HEALTHCARE PROVIDERS^^
-
48 Lakh+INSURANCE CLAIMS SETTLED**
-
24*7CLAIM AND CUSTOMER SUPPORT
- Home / Health Insurance / Care Advantage - 6 Crore Health Insurance Plan
- PLANS
- ADD-ONS
- PLAN DETAILS
- HOSPITAL NETWORK
- VOICE OF CUSTOMER
- FAQs
GET QUOTE IN 1 MIN
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
No claim bonus
emergency ambulance
Day care treatments
Pre & Post hospitalization
Expenses
Benefits of Care Advantage Plan
See all Sum Insured Options east
| KEY FEATURES | ₹25L / 50L / 1Cr | ₹2/ 3/ 6Cr |
|---|---|---|
| In-Patient Hospitalization infoHospitalization for at least 24 hours | Up to SI | Up to SI |
| Daycare Treatment infoWe 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* infoWe 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* infoWe 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 infoIn 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 infoWe 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) infoWe 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. | check | check |
| Automatic Recharge infoIf 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* infoAvail 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. | check | check |
| AYUSH Treatment infoGet coverage for medical charges, ICU charges, diagnostics, etc., during hospitalisation up to the sum insured. | Up to SI | Up to SI |
| Global Coverage** infoWith 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.
Add-ons to Cover your Specific Needs
No Claim Bonus Super
See Details
Care Shield
See Details
Room Rent Modification
See Details
Air Ambulance Cover
See Details
Smart Select
See Details
Protect Plus
See Details
Annual Health Check-up
See Details
Reduction in PED Wait Period
See Details
Care OPD
See Details
×
Air Ambulance Cover
The right cure may be miles away but never out of your reach with Air Ambulance Cover. For all those times when you might be recommended a treatment which is not in your city of stay.
×
Smart Select
Get 15% discount by restricting treatment on a specially created smart select network hospitals
No 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.
×
Room Rent Modification
By choosing this optional cover, the Room Rent/Room Category shall be limited to “Single Private Room”
Care Shield
×
- Claim Shield: Under this benefit, we shall cover the expenses of 68 non-payable items out of a total of 105 non-payable items like gloves, masks, etc.
- No Claim bonus Shield: If the total payable claim amount in a policy year is <25% of the Sum Insured, then No Claim Bonus (No Claim Bonus Super, if opted) as applicable in the base product shall not be reduced upon renewal.
- Inflation Shield: The base coverage will be increased on a cumulative basis at each renewal based on the CPI rate in the previous year.
This add-on policy has 3 benefits:
×
Co-payment Waiver
If the age of the insured member or eldest insured member is 61 years or above, by opting for this add-on, you can get rid of the 20% co-payment worry. We will pay medical expenses incurred for hospitalization subject to policy terms and conditions.
×
Protect Plus
Now you can access quality healthcare services in a foreign country with the add-on benefit of Protect Plus. You can opt for this benefit for 25 lakhs, 50 lakhs and 1 crore sum insured. Also, you can choose between worldwide coverage and worldwide coverage except for the USA.
×
Annual Health Check-up
We support you in maintaining good health by offering one yearly health check-up. We have pre-selected medical tests that can help you track your health conditions timely. You can book a medical test through our mobile application, and you will not be required to pay for the pre-selected test at the lab.
×
Reduction in PED Wait Period
Choosing this optional cover reduces the applicable wait period of 48 months for Claims related to Pre-existing diseases, to 24 months. The claims will be admissible for any medical expenses incurred for hospitalization in respect of diagnosis/treatment of any pre-existing disease after completion of 24 months of continuous coverage under the policy.
Care OPD
×
- Paediatrician
- Obstetrics and Gynecologists
- hom*oeopathic Physician
- Dietician
- Diabetologist
- Dermatologist
- Pulmonologist
- Psychiatrist
- Cardiologist
- Neurologist
- Orthopedic Surgeon
- Nephrologist
- Gastroenterologist
- ENT Specialist
Coverage for four General Physician consultations per year. The maximum amount payable for each consultation is up to ₹ 500.
Get covered for consultation (maximum amount for each consultation is ₹ 500) from 14 specified specialists that include-
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
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
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
Reimbursem*nt
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 reimbursem*nt 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
24800+Health Care Providers Serving Cashless Medical Services Across The Globe
Look for hospitals around you
Detailed Hospital List
Voice of Our Customers
4.3
Write a Review
GS
Gurpreet singh December 19, 2023
Care Advantage
5
Nice team
I called them for my top up insurance. I dont know how to purchase the top up plan. But their support team guided me patiently and I got top up for my health insurance. Very nice team to work with.
ND
Nandita Das December 18, 2023
Care Advantage
2
Dissappointed
We bought Care Advantage plan for our family. My mother in law had to be admitted for an operation but my claim wasnt approved due to waiting period
YS
yesudas sharma December 18, 2023
Care Advantage
5
badhiya service dete hain
Maine Mere father ke operation ke liye claim raise Kiya tha... Unhone call par mujhe sab procedure samjhaya aur medical reports bhi mangi. I sent them my fathers reports. Uske baad i received reimbursem*nt for treatment cost in 30 days. Bas thoda aur jaldi ho jata.....
SS
Shipra Swami December 17, 2023
Care Advantage
3
Tired
Cashless claims takes too long I hope this review reaches the concerned authority and they try to pace up the process.
PV
Pratistha Verma December 15, 2023
Care Advantage
4
Nice team
Satisfied with the process and claim approval speed. Thanks
CA
Chinki Awana December 01, 2023
Care Advantage
5
Hapy with the company
mere father in law ka operation hua we raised claim and got the reimbursem*nt. abhi topup insurance bhi liya hai so we are having increased sum insured now. Must buy
SP
Suman pandey December 01, 2023
Care Advantage
5
Great support Health Insurance
I am very impressed with the quality of your service in particular of the clam service. May the good work continue.
NS
Nitish Sharma December 01, 2023
Care Advantage
5
Best Choice
Maine Care ka policy pichhle saal kharidi thi aur yah mere bahut kaam aaya. Aapki service bahot achhi hai. Tahe dil se shukriya.
READ ALL REVIEWS arrow_forward
My appreciation for your prompt service
Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!
Rahul Sangwan
Health Insurance
We will continue to avail of your scheme
I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.
Samanway Barik
Health Insurance
Everything went very smooth
Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.
Soubhagya K Kulkarni
Health Insurance
Really helpful explaining the process in advance
Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.
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 (CHI) 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*
48 Lakh + Claims Settled**
24800+
CASHLESS HEALTHCARE PROVIDERS^^
**Number of claims settled as of 30th March 2024 *India Insurance Summit & Awards 2023
FAQs of Care Advantage
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.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
^^Number of Cashless Healthcare Providers as of 31st March 2024
**Number of Claims Settled as of 31st March 2024
~~10% discount is applicable for a 3-year policy
Popular Searches
- Health Insurance
- Family Health Insurance
- Maternity Insurance
- 1 Crore Health Insurance Plan
- Health Insurance for Parents
- Health Insurance for Senior Citizens
- Critical Illness Insurance
- Mediclaim Policy
- Health Insurance For Heart Patients
- Surgery Insurance
- Cancer Insurance
- Super Top Up Health Insurance
- Health Insurance for Youth
- Cashless Health Insurance
- Health Insurance for Diabetic Patients
- Care for 45+
- Care Plus - The Complete Health Insurance Plan
- Covid Health Insurance Policy
- Health Insurance Premium Calculator
- Individual Health Insurance
- Corona Kavach Health Insurance Policy
- Diseases Covered under Health Policy
- Cardiac Insurance
- Zonal Health Insurance
- Personal Accident Insurance
- Arogya Sanjeevani Policy
- Health Insurance Claim Process
- Health Insurance Claim Settlement Ratio
- Pre-Existing Disease Health insurance
- What is No claim Bonus
- GST on Health Insurance
- Copay in Health Insurance
