Care Advantage Plan
  • High sum insured
  • 540+ procedures covered
  • Organ donation cover
Care Health Insurance
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Care Health Care Advantage Plan

Care Advantage Health Insurance is an ideal 1 Crore option so that a policyholder’s family is adequately covered. Care Advantage health insurance offers multiple advantages to an insured individual ranging from organ donation coverage, no claim bonus, emergency ambulance cover, 540+ day care procedures, pre & post-hospitalization expenses, and more.

Care Advantage offers 3 different sum insured options that are INR 25/50 Lakh and 1 Cr. Care Advantage Plan is also available with a multitude of add on covers loaded with different features which can be used to customize your plan that best suits your needs.

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

Care Advantage Plan Specifications

Child Entry Age

91 days to 24 years

Adult Entry Age

5 years to lifelong

Plan Type

Individual / Family Floater

Policy Term

1/2/3 Years

Sum Insured

25 L | 50 L | 1 Cr

Initial Waiting Period*

30 Days

*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.

Read more specifications in the brochure.

Choose your Care Advantage Plan

With wide coverage options, Care Advantage Health Insurance plan lets you customize your health insurance plan as per your requirements:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered up to 30 days

Post-Hospitalization

Covered up to 60 days

Domiciliary Hospitalization

Not Covered

Daycare Treatment

540+ day care procedures covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Not Covered

No Claim Bonus

Available up to 50% of SI

Automatic Restoration

Applicable

Daily Hospital Cash

Not Available

Organ Donor

Covered Up to SI

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Not Covered

IVF Treatment

Not Available

Modern Treatment

Not Covered

Emergency Coverage

Ambulance

Covered up to SI

Air Ambulance

Covered up to INR 5 lakh

Compassionate Travel

Not Available

Global Coverage

Not Available

Wellness Programmes

E-Consultation

Not Available

Health Check-Up

Available

Second Medical Opinion

Not Available

Vaccination

Not Available

Limitations

Co-payment

Applicable, 20% co-pay on all claims

Sub-limits

Not Applicable

What is Room Rent?

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Care Health Care Advantage Plan?

Under Care Health Care Advantage Plan, the room rent is covered with no sub-limit.

What are ICU Charges?

The Intensive Care Unit (ICU) is a hospital special department where patients with severe medical conditions are treated.

Coverage status under Care Health Care Advantage Plan?

Under Care Health Care Advantage Plan, ICU charges are covered with no sub-limit.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Care Health Care Advantage Plan?

This plan covers medical expenses incurred during pre-hospitalization for up to 30 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Care Health Care Advantage Plan?

This plan covers medical expenses incurred during post-hospitalization for up to 60 days.

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under Care Health Care Advantage Plan?

Under Care Health Care Advantage Plan, domiciliary hospitalization is not covered.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Care Health Care Advantage Plan?

This plan covers the expenses of 540+ daycare procedures up to SI.

What are OPD charges?

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under Care Health Care Advantage Plan?

This plan does not cover OPD charges.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.

Coverage status under Care Health Care Advantage Plan?

COVID-19 treatment coverage is available under this plan as an add-on cover if selected.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Care Health Care Advantage Plan?

The plan does not cover cataract treatment expenses.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Care Health Care Advantage Plan?

The cumulative Bonus will be increased by 10% in respect of each claim-free policy year to a maximum of 50% of the sum insured. An optional No Claim Bonus Super benefit offers a 50% increase in SI per Policy Year in case of claim free year; Max up to 100% of SI.

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Care Health Care Advantage Plan?

Automatic restoration is available once in a policy year under Care Advantage Plan.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under Care Health Care Advantage Plan?

The daily hospital cash is not available

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Care Health Care Advantage Plan?

Under the plan, Organ Donor expenses are covered up to SI.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under Care Health Care Advantage Plan?

Maternity expense is not covered under the care advantage plan.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover are listed below and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Care Health Care Advantage Plan?

New Born Baby Cover is not available under the care advantage plan.

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Care Health Care Advantage Plan?

Not Covered Under Care Advantage Plan

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Care Health Care Advantage Plan?

Not available.

What is a Modern Treatment?

Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Care Health Care Advantage Plan?

Under Care Health Care Advantage Plan modern treatments are not covered.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under Care Health Care Advantage Plan?

Covered up to SI under Care Advantage Plan.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Care Health Care Advantage Plan?

Covered Up to 5 Lacs available as an optional cover.

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under Care Health Care Advantage Plan?

Not available

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Care Health Care Advantage Plan?

Not available

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Care Health Care Advantage Plan?

The plan does not cover e-consultations.

What is a Health Checkup?

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under Care Health Care Advantage Plan?

Under the Care Advantage plan, annual health checkup is available as an optional benefit.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under Care Health Care Advantage Plan?

Not Available

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Care Health Care Advantage Plan?

The plan does not cover vaccination expenses.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Coverage status under Care Health Care Advantage Plan?

Applicable, 20% co-pay on all claims however there is an option to waive the mandatory 20% Co-payment per claim at entry age 61 Years and above.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Coverage status under Care Health Care Advantage Plan?

Not Applicable

Care Health Insurance Network Hospital List

Care Health Insurance promises a wide Network of cashless Hospitals across India. A well connected network of over 19000+ cashless hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in

Permanent Exclusions | Coverage after Waiting Period

Permanent Exclusions

Permanent diseases or health conditions that are not included under Care Plus are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Miscarriage, and abortion

Congenital disease

Infertility and in vitro fertilization

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Listed ailments after 24 Months

Pre-existing diseases after 48 Months

Care Advantage Plan Benefits

Tax Benefits

Get tax relief under section 80D

Covid Care with OPD

Get covid treatment

Room Rent Modification

Avail Single Private Room

Tax Benefits

Amount paid towards the premium of 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 15 day waiting period for medical expenses incurred a maximum up to 1% S.I per day.

Room Rent Modification

An optional cover that offers the room rent/category to be limited to Single Private Room

Waiver of Co-payment

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

Explore Care Health Insurance

Care health insurance has an easy and hassle-free buying and claim process. Know more about Care Health Insurance plans, claim process, buying process, and contact details of the company by clicking on the sections below:

Claim Process

Click to know Care Health Insurance Claim Process.

Buying Process

Click to know Care Health Insurance Buying Process.

Contact Us

Feel free to contact Care Health Insurance for more details.

Renewal Process

Click here to Renew Care Health Insurance Online

Premium Calculator

Click here to Care Health Insurance Premium Calculator

%

Claim Settlement Ratio

Click to know Care Health Insurance Claim Settlement Ratio

Explore Other Care Health Insurance Plan

Care health insurance offers a total of 13 health insurance plans. Check below to know more about the other care health insurance plans offered by the company.

A comprehensive family floater plan that decides your policy premium based on the living cost of the city you reside in.

Unique Benefits

  • Covers IVF treatment
  • Compassionate travel coverage
  • Unlimited e-consultation

Comprehensive health plan for people above 60 to make their second inning stress-free from health-related financial worries.

Unique Benefits

  • No pre-policy Medical Checkup
  • Lifelong Renewability
  • Automatic SI Recharge

Get medical coverage for pre-existing diseases like BP, diabetes without any waiting period by bearing a co-pay of 20-30%.

Unique Benefits

  • No pre-policy checkup needed
  • Dialysis cover available
  • Annual Health Checkup

A super top-up health insurance plan to provide extra medical cover on the basis of policy deductible principle.

Unique Benefits

  • Covers modern treatment
  • Flexible options of deductible
  • No pre-policy medical test

A maternity health insurance plan with child cover. This plan protects individuals and families during medical emergencies.

Unique Benefits

  • 100% increase in SI as NCB
  • Newborn Cover
  • 541 day care treatments covered

Enjoy the advantage of 1 crore cover and multiple benefits at lower monthly premiums with this affordable individual & family floater plan.

Unique Benefits

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

Care Arogya Sanjeevani

A standard comprehensive plan mandated by IRDAI that offers coverage for both Ayurvedic or Allopathic treatments.

Unique Benefits

  • AYUSH Treatment
  • Pre and Post hospitalization
  • 5% cumulative bonus

Care Cancer Mediclaim

Offers lifelong coverage against cancer and the cost of its treatment with several other benefits.

Unique Benefits

  • Annual Health Checkup
  • Chemo and radiotherapy cover
  • Air Ambulance Cover

Care Critical illness

Offers coverage against 32 critical illnesses that are pre-defined under the policy such as catastrophic burns, coma, etc.

Unique Benefits

  • Psychiatric Counselling
  • Dialysis Cover
  • Organ Donor Cover

Care for 45+

A comprehensive plan that takes care of your medical needs in your late 40s.

Unique Features

  • Organ Donor
  • Emergency Ambulance
  • Annual Health Checkup

Individuals with pre-existing cardiac diseases can get coverage against medical treatments by paying 20-30% of co-payment for every claim.

Unique Benefits

  • Cardiac Health Checkup
  • Second medical Opinion
  • Automatic SI Restoration

Care Plus

Extremely flexible family health plan, allowing you to increase SI amount based on inflation rates.

Unique Benefits

  • 200% increase in cumulative bonus
  • Earn rewards for being fit
  • Unlimited SI recharge

Health Insurance Articles

Read Reviews & Ratings

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Mahesh Malvesh

Delhi

September 14, 2022

Thanks Manoj for suggesting Best plan and even for your patience level with good knowledge and exp l..really happy to see policy x help and Good exp in industry.. Keep going Good always in fut...

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Vidyut Sharma

Delhi

May 25, 2022

I am in love with the facilities Religare Health Insurance offers. It is one of the best health insurance companies available in the market at the moment. I would definitely recommend this to e...

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Niyati

Rajkot

February 17, 2022

I am using their health insurance and used it for COVID19 treatment. I am so happy that covid treatment was handled by them. due to lockdown, i was facing money-related problems but their cashl...

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Ram Dulari

Dehradun

August 16, 2021

Very nice company. I am very happy and fully satisfied with its services. God bless us all. 5 star to the whole team... WELL-DONE

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Nayan

Guwahati

August 16, 2021

Religare Health Insurance is a nice company. and the way PolicyX.com helps its customers in understanding the process is commendable. I am very much impressed.

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Manish Singhal

Ahmedabad

August 6, 2021

PolicyX helps me to find the best suitable plan for me and my family. They have a very professional salesperson and also I am very much happy with the service of Religare Health.

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Sapna Khurana

Pune

August 6, 2021

One of the best health insurance company I have ever come across. Thank you PolicyX.com for assisting me at every step. I must say the team of PolicyX is very patient and hard-working. Thanks o...

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Raj Kumar

Chandigarh

August 6, 2021

Received my reimbursement claim amount within a span of 8 days. Thank you POlicyX.com for helping me out in choosing such a great company. Keep up the good work Religare

View All Care Health Insurance Reviews