Care Advantage Health Insurance
Care
8.6/10
OneAssure Rating
8.6/10
OneAssure Rating
Highlighted Features
Room rent and ICU limit
The Care Advantage plan has no sub-limits on room rent or ICU charges, ensuring flexibility and comprehensive coverage during hospitalization.
Advanced Treatments
Access to cutting-edge therapies, specialized surgeries, and personalized treatment plans designed to address complex medical conditions and promote recovery.
Brochure
Policy wording
Explore more features
Our Verdict
Care Advantage offers high coverage at competitive premiums, with no co-payment, no room rent limits, and comprehensive benefits. However, it lacks domiciliary hospitalization coverage and imposes a 3-year waiting period for pre-existing diseases. Ideal for individuals seeking extensive coverage without co-payments, but not suitable for those requiring home hospitalization benefits.
About the Plan
Care Advantage by Care Health Insurance offers coverage from ₹25 lakh to ₹6 crore, covering hospitalization, daycare, organ donor expenses, and emergency ambulance services. It has no sub-limits on room rent or ICU charges. Benefits include a 10% No Claim Bonus (up to 50%), sum insured recharge, and AYUSH coverage. Optional add-ons include air ambulance, global coverage, and health check-ups. Available for individuals and families, it covers ages 91 days to 99 years, ensuring flexibility and comprehensive protection.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent
All room categories are covered
Disease-wise sublimits
No
ICU Charges
No restriction on ICU room rent
Restoration Benefit
Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses
Cumulative Bonus
For every year you don’t make a claim, your sum insured increases by 10%. You can pay an additional premium to increase Sum Insured up to 100%, every year, without any upper limit
Co-payment
Available as an option
Consumable Cover
No. However, available as an add-on
Initial Waiting Period
30 days
Specific Waiting Period
2 years
PED Waiting Period
3 years
Modern Treatment
Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
Annual Health Checkup
Health checkup is not included as part of base cover. However, you can opt for the Annual Health Checkup Add-on to avail health checkup once per Policy Year
Daycare Treatment
Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured
AYUSH Treatment
Covers AYUSH treatment expenses up to your annual sum insured during the policy period
Pre-Hospitalisation
You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved
Post-Hospitalisation
You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it
Outpatient Department Cover (OPD Expense)
OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage
Deductible Option
Available as an option
Cashless Healthcare Providers
21700+ Healthcare Providers
Coverage Options
Available coverage options: ₹25L, ₹50L,₹1Cr, ₹2Cr, ₹3 Cr, ₹6 Cr
Claim Settlement Ratio
87.10%
Maternity Cover
Not available
Exclusions
Congenital external anomalies, genetic disorders (unless covered).
Medical expenses for conditions existing before policy inception are typically excluded for a specified waiting period.
Certain treatments and diseases are not covered during initial periods after the policy starts, such as the first 30 days for general illnesses and up to 48 months for specific conditions
Expenses related to infertility tests and treatments, including in vitro fertilization, are typically not covered.
Expenses for psychiatric treatments and mental health conditions are often excluded.
Exclusions
Care Shield - Enhances your base health policy by offering benefits like automatic sum insured increase (No Claim Bonus Super), inflation protection, and cover for non-payable medical expenses, depending on the insurer’s terms.
World Wide Coverage - Extends health insurance to cover planned or emergency medical treatments outside India, subject to policy terms and limits.
Smart Select - Offers discounted premiums or co-payment benefits when you choose treatment from a network of preferred hospitals listed by the insurer.
Air Ambulance - Covers emergency medical evacuation by air (helicopter or chartered flight) to the nearest hospital, especially in critical cases or remote areas.
Annual Health Checkup - Covers the cost of yearly preventive health checkups at network or specified diagnostic centers.
NCB Super - Offers a higher No Claim Bonus (NCB) at policy renewal, typically increasing the sum insured by a certain percentage for each claim-free year, up to a specified limit.
Reduction in PED - Allows for a reduction or waiver of the waiting period for pre-existing diseases (PED) after a specified number of claim-free years, making it easier to get coverage for those conditions.
Room Rent Modification - Increases the room rent limit for hospitalization, allowing you to choose a higher category of room without affecting other policy benefits.
Add-ons
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
Carе Hеalth Insurancе (formеrly known as Rеligarе Hеalth Insurancе) is onе of India’s most trustеd and customеr-cеntric hеalth insurancе companiеs. It is dеdicatеd to providing comprеhеnsivе and affordablе hеalth covеragе that hеlps individuals and familiеs stay financially sеcurе during mеdical еmеrgеnciеs.
Carе Hеalth offеrs a widе rangе of plans tailorеd for individuals, familiеs, sеnior citizеns, and corporatе groups. Each policy is thoughtfully dеsignеd to covеr hospitalization еxpеnsеs, surgеriеs, daycarе procеdurеs, and both prе- and post-hospitalization costs. Thе insurеr also providеs global covеragе options, wеllnеss-basеd bеnеfits, and top-up plans to еnhancе protеction basеd on spеcific hеalthcarе nееds.
About the Company
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