Network hospitals
20800+
Claim settlement ratio
100%
Sum insured
1 CR
No. of Plans
13
Solvency Ratio
1.81
Pan India Presence
-
PolicyX.com is a Recognised Care Partner View Certificate
Network hospitals
20800+
Claim settlement ratio
100%
Sum insured
1 CR
No. of Plans
13
Solvency Ratio
1.81
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.
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
Tax Benefits
Get tax relief under section 80D
Covid Care with OPD
Get covid treatment
Room Rent Modification
Avail Single Private Room
Waiver of Co-payment
Add-on cover
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
Avail COVID-19 treatment after 15 day waiting period for medical expenses incurred a maximum up to 1% S.I per day.
An optional cover that offers the room rent/category to be limited to Single Private Room
An add-on cover that offers the policyholder to a waiver of the 20% co-payment worry.
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
Comprehensive health plan for people above 60 to make their second inning stress-free from health-related financial worries.
Unique Benefits
Get medical coverage for pre-existing diseases like BP, diabetes without any waiting period by bearing a co-pay of 20-30%.
Unique Benefits
A super top-up health insurance plan to provide extra medical cover on the basis of policy deductible principle.
Unique Benefits
A maternity health insurance plan with child cover. This plan protects individuals and families during medical emergencies.
Unique Benefits
Enjoy the advantage of 1 crore cover and multiple benefits at lower monthly premiums with this affordable individual & family floater plan.
Unique Benefits
A standard comprehensive plan mandated by IRDAI that offers coverage for both Ayurvedic or Allopathic treatments.
Unique Benefits
Offers lifelong coverage against cancer and the cost of its treatment with several other benefits.
Unique Benefits
Offers coverage against 32 critical illnesses that are pre-defined under the policy such as catastrophic burns, coma, etc.
Unique Benefits
A comprehensive plan that takes care of your medical needs in your late 40s.
Unique Features
Individuals with pre-existing cardiac diseases can get coverage against medical treatments by paying 20-30% of co-payment for every claim.
Unique Benefits
A flexible health plan that covers advanced technology methods, unlimited e-consultations and personal accidents.
Unique Benefits
A unique healthcare plan offering extensive coverage to individuals and families under a single plan with affordable premiums.
Unique Features
See More Health Insurance Articles
See More Health Insurance Articles
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...
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...
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...
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
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.
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.
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...
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
Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.
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