Network hospitals
9747+
Incurred claim ratio
53.82%
Sum insured
Up to 6 CR
No. of Plans
14
Solvency Ratio
1.8
Pan India Presence
-
PolicyX.com is a Recognised Care Partner View Certificate
Network hospitals
9747+
Incurred claim ratio
53.82%
Sum insured
Up to 6 CR
No. of Plans
14
Solvency Ratio
1.8
Pan India Presence
-
PolicyX.com is a Recognised Care Partner View Certificate
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 Health Insurance Plan Detailed Review
91 days to 24 years
5 years to lifelong
Individual / Family Floater
1/2/3 Years
25 L | 50 L | 1 Cr
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.
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
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:
Coverage status under Care Health Care Advantage Plan?
Under Care Health Care Advantage Plan, the room rent is covered with no sub-limit.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
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.
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.
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:
Coverage status under Care Health Care Advantage Plan?
New Born Baby Cover is not available under the care advantage plan.
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
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Care Health Care Advantage Plan?
Not available.
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.
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.
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.
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
Any kind of medical/health emergency when you are outside of India.
Coverage status under Care Health Care Advantage Plan?
Not available
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.
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.
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
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.
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.
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 promises a wide Network of cashless Hospitals across India. A well connected network of over 20800+ cashless hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in
Permanent diseases or health conditions that are not included under Care Advantage are:
Hospitalization out of 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 under this plan after a certain time period. Read the details below:
Listed ailments after 24 Months
Pre-existing diseases after 48 Months
Care Health Insurance offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.
Comprehensive
A comprehensive health plan for individual and family with SI of 3 lacs to 6 Cr. with global coverage.
Unique Benefits
Comprehensive
A plan designed to provide coverage for the high expenses occurred from major surgeries and procedures.
Unique Benefits
Flexible
A flexible health plan that covers advanced technology methods, unlimited e-consultations and personal accidents.
Unique Benefits
Comprehensive
A comprehensive family floater plan that decides your policy premium based on the living cost of the city you reside in.
Unique Benefits
Maternity
A maternity health insurance plan with child cover. This plan protects individuals and families during medical emergencies.
Unique Benefits
Standard
A standard comprehensive plan mandated by IRDAI that offers coverage for both Ayurvedic or Allopathic treatments.
Unique Benefits
Diabetes & BP
Get medical coverage for pre-existing diseases like BP, diabetes without any waiting period by bearing a co-pay of 20-30%.
Unique Benefits
Heart Diseases
Individuals with pre-existing cardiac diseases can get coverage against medical treatments by paying 20-30% of co-payment for every claim.
Unique Benefits
Cancer Care
Offers lifelong coverage against cancer and the cost of its treatment with several other benefits.
Unique Benefits
Top-Up Plan
A super top-up health insurance plan to provide extra medical cover on the basis of policy deductible principle.
Unique Benefits
Senior Citizen Plan
Comprehensive health plan for people above 60 to make their second inning stress-free from health-related financial worries.
Unique Benefits
Critical Illness Plan
Offers coverage against 32 critical illnesses that are pre-defined under the policy such as catastrophic burns, coma, etc.
Unique Benefits
Supreme Plan
A unique healthcare plan offering extensive coverage to individuals and families under a single plan with affordable premiums.
Unique Features
Supreme Plan
A unique personal accident plan covering serious ailments arising due to accidents and safeguarding your family
Unique Benefits
Supreme Plan
This plan is exclusively designed to provide 32 defined critical illness treatment cover to the policyholders and also offers psychiatric counselling.
Unique Benefits
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:
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:
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,
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,
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Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.
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February 5, 2023
Asia/Kolkata
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