Care Advantage Health Insurance - Benefits, Premium, Renewal Online
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Care Advantage Plan

Care Advantage health insurance offers multiple advantages to an insur ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
158+
Pan India presence
97%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,714 reviews
🏥 11,400+ hospitals
📊 1.74 solvency ratio
✅ 97% claim settlement

About Care Advantage Plan

A quick read on what this Care Health Insurance plan covers and why it might be a fit for you.

Care Advantage Health Insurance is an ideal 1 Crore option to ensure a policyholder's family is adequately covered. It offers multiple advantages, including organ donation coverage, no claim bonus, emergency ambulance cover, 540+ daycare procedures, pre and post-hospitalization expenses, and more.

Care Advantage offers three different sum insured options: INR 25/50 Lakh and 1 Cr. The plan is available with various add-on covers to customize your plan to best suit your needs.

Add-on covers include Covid Care with OPD, Smart select, co-payment waiver, room rent modification, no-claim bonus super, and care shield.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
91 days to Lifelong
Plan type
Individual and Family Health Insurance
Sum insured options
₹25 L, ₹50 L, ₹1 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2, 3 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • No bonus claim up to 50%
  • Automatic SI recharge
  • Organ donor cover
  • Automatic recharge
  • High SI

Cons

  • 20% co-pay
  • Obesity treatment unavailable
  • Hazardous activity not covered

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Not covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Not covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Not covered
  • Health check-up Covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Care Health Insurance Plan Detailed Review

Care Health Insurance Plan Detailed Review

Know the detailed review of care health insurance plans in Hindi. This video will explain all the available plans and care health insurance offers.

Benefits Of Care Advantage Plan

  • Health Services

    The plan takes care of your overall wellness. Health tips, reminders, and discounts on services like consultations, diagnostics, and maternity expenses are available under the Care Advantage health insurance.

  • Unlimited E-consultations

    With the Care Advantage Plan, you can avail of unlimited e-consultations with general physicians on the Care health insurance network.

  • Tax Benefits

    The premium paid for this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

  • Covid Care with OPD

    Avail COVID-19 treatment after a 15-day waiting period for medical expenses incurred up to 1% S.I per day.

  • Room Rent Modification

    An optional cover that limits the room rent/category to a Single Private Room.

  • Waiver of Co-payment

    An add-on cover that offers a waiver of the 20% co-payment.

Care Health Insurance Network Hospital List

Care Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions not included under Care Advantage are:
  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and abortion
  • Congenital disease
  • Infertility and in vitro fertilization
  • Certain diseases and treatments are covered after a specific period:
  • Listed ailments after 24 months
  • Pre-existing diseases after 48 months

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry age: 91 days
  • Max entry age: Lifelong
  • SI: 25 L to 6 Cr
  • Waiting Period: 30 days

Other features & benefits

  • Ambulance cover available
  • Optional cover available
  • Co-pay waiver
  • Room rent modification

Care Advantage Plan: FAQs

The 10 most-asked questions about Care Advantage Plan, answered.

An extensive health insurance plan, Care Advantage health insurance is designed to provide coverage for individuals and families. The plan offers inclusions such as organ donor expenses, emergency ambulance, daycare treatments, unlimited e-consultations, etc.
The minimum and maximum entry age for Car Advantage Health Insurance are: Adults - 5 years with no maximum upper age limit Dependent Children - 5 to 25 years
Care Advantage policy provides you with multiple sum insured options ranging between 25/50 Lakhs and 1 Crore.
The list of inclusions under the Care Advantage plan is: In-patient hospitalization Day care treatments Ambulance Cover Organ Donor cover Unlimited E-consultations, etc.
Yes, global coverage is available to insured individuals on an optional basis under the Care Advantage health insurance plan.
A comprehensive health insurance policy with a wide range of sum insured options varying between 25 Lakh, 50 Lakh, and 1 Crore. The plan is an ideal fit for those who are looking for affordable coverage along with a fully feature-loaded health plan.
No. Insurance holders do not need to undergo a pre-policy health check-up if there are no pre-existing conditions declared for any individual up to 50 years of age.
You can select optional coverage with a Care Advantage Plan like, Air ambulance cover Reduction in pre-existing diseases waiting period Annual health check-up Room rent modification
Care Advantage Plan provides you with the opportunity to waive the mandatory 20% co-payment clause for insurance holders with an entry age of over 61 years.
You are entitled to health services like, Health tips and reminders Discounts on consultations, diagnostics, maternity, etc.

Conclusion

A high sum insured health plan offering unlimited recharge and no sub-limits, making it suitable for

Explore Care Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 22 Jan 2024 · Originally published: 19 Nov 2024

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