Care Advantage Health Insurance Plans & Benefits | PolicyX
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Care Advantage Plan

Care Advantage Health Insurance provides high sum insured options up t ...Read More

Up to 1 Cr
Sum insured
158+
Pan India presence
96.6%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,725 reviews
🏥 22,100+ hospitals
📊 1.74 solvency ratio
✅ 96.6% claim settlement
Written by Simran Kaur Vij
Reviewed by Anchita Bhattacharyya
Published: 19 Nov 2024
Updated: 25 Jul 2026
Expert Verified
IRDAI Licensed

Overview

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

Sum Insured Options

Care Advantage offers 3 different sum insured options:

  • INR 25 Lakh
  • INR 50 Lakh
  • INR 1 Crore

The 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 to best suit your needs.

Add-on Covers

Care Advantage add-on covers include:

  • Covid Care with OPD
  • Smart Select
  • Co-payment Waiver
  • Room Rent Modification
  • No-Claim Bonus Super
  • Care Shield

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 all available under Care Advantage health insurance.

  • Unlimited E-consultations

    Having the facility to speak to your doctor whenever needed or during medical emergencies assures peace of mind. With the Care Advantage Plan, you can avail of unlimited e-consultations with general physicians on the panel of the Care Health Insurance network.

  • Tax Benefits

    The 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 a 15-day waiting period for medical expenses incurred, up to a maximum of 1% of the Sum Insured per day.

  • Room Rent Modification

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

  • Waiver of Co-payment

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

Exclusions

Permanent Exclusions

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

Waiting Periods for Specific Conditions

Certain diseases and treatments are covered under this plan after a certain time period:

  • Listed ailments after 24 Months
  • Pre-existing diseases after 48 Months

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 Claim Bonus up to 50%
  • Automatic SI recharge
  • Organ donor cover
  • High SI

Cons

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

What's covered

A quick look at what this plan covers — and what it doesn't.

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

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 →

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

Frequently Asked Questions

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

Care Advantage is a high sum insured health plan offering unlimited recharge and no sub-limits, maki

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