Care Health Care Advantage Plan

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.

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.

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

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

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.