Care Advantage Health Insurance Plan Care Health Insurance

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With healthcare inflation skyrocketing, treatments for critical illnesses, surgeries, and prolonged hospital stays can drain savings. Care Advantage Health Insurance offers a high sum insured amount that ranges from ₹25 lakhs to as high as ₹6 crores. No matter what your family size, the Care Advantage Health Insurance Plan can be ideal for all.

Care Advantage Health Insurance Plan is an indemnity family floater health insurance plan with extensive benefits and great flexibility to customise the plan according to your needs. If you would like to know more about Family Floater Plans, click here.

Highlights of Care Advantage - Care Health Insurance Company

Choose health insurance worth up to 6 crores

60 days pre- and 180 days for post-hospitalisation

Enhance the coverage with long list of add-ons

Get Unlimited e-consultations

Get all your insurance related queries answered

Care Advantage Health Insurance Plan: Highlights

Here are some of the striking highlights of the Care Advantage Health Insurance Plan:

Particulars	Details
Policy Name	Care Advantage Health Insurance Plan
Insurance Company	Care Health Insurance
Sum Insured Options	₹25 lakhs ₹50 lakhs ₹1 crore ₹2 crore ₹3 crore ₹6 crore
Add-ons	No claim bonus super Care Shield Room Rent Modification Air Ambulance Cover Smart Select Protect Plus Annual health check-up Reduction in the PED waiting period Care OPD
Entry age	Minimum: 5 years for adult 91 days for infants (family floater policy) Maximum: No age limit for adults 24 years for kids
Renewability	Lifelong
Waiting period	Initial: 30 days Specific ailment waiting period: 24 months PED waiting period: 36 months
Grace period	30 days from the policy expiry date
Network hospital	24,800+
Best suited for	Individuals looking for a high-coverage plan with extensive coverage, such as a global cover, flexibility to reduce PED coverage, etc. It is a good value plan with affordable pricing.

Features and Benefits of the Care Advantage Health Insurance Plan

Care Advantage Health Insurance is a comprehensive health insurance plan. Investing in it at the right time can ensure financial security against rising medical costs. A higher coverage amount protects against unforeseen emergencies, ensuring quality healthcare without compromising on the choice of hospitals or treatment options. Take a look at the features and benefits of Care Advantage:

An Ideal Plan

Rising healthcare costs and high medical inflation make it crucial for you to have a suitable health insurance plan. A plan with a higher sum insured can ensure that even if a medical emergency strikes, you and your family can get high-quality medical care without the worry of your savings taking the hit.

Did you know that India’s medical inflation is at 14%, the highest in Asia?

Coverage for the Whole Family

Available as a family floater plan, Care Advantage is ideal if you are looking for coverage for your family. A high sum insured ensures comprehensive protection for all members, including elderly parents who may require frequent medical attention

Automatic Recharge

Another fantastic feature offered by Care Advantage is automatic recharge. In case you exhaust the sum insured in a policy year, your policy will reinstate the whole sum insured!

Global Cover

You also get to avail yourself of medical treatment outside the country. This option of global coverage is built-in when you buy a policy with ₹2 crore, ₹3 crore and ₹6 crore as the sum insured. Other plan options include opting for the Protect Plus add-on to get this feature.

Multiple Plan Options to Choose From

Care Advantage offers its customers the option to choose from a pool of varying sum insured options. As your responsibilities grow in life, you can enhance the coverage in the way you want.

Reduced Waiting Period

Most health insurance plans offer coverage for pre-existing diseases only after a break-free coverage of 48 months. With Care Advantage, however, the waiting period you need to serve is just 36 months.

Get the Option of a Multi-Year Policy

While most health insurance plans offer coverage on an annual basis, with Care Advantage, you get the option to choose a policy tenure of 1/ 2 or even 3 years. This saves you from the hassle of annual renewals. You can sit back and enjoy the peace of mind of being well-covered.

Note: When you opt for a multi-year policy, you may be able to get some discounts on your policy premium!

Other not-to-be-missed features:

Care Advantage offers coverage for more than 540 daycare procedures
Get unlimited access to e-consultations
Get up to a 50% increase in the sum insured in the form of No Claim Bonus
Prefer alternative medicine? Get AYUSH treatment coverage as high as the sum insured
Pre-hospitalisation expenses up to 60 days
Post-hospitalisation expenses up to 180 days
There is a long list of add-ons to enhance your coverage.

Wish to Enhance Your Coverage? Take a look at the Riders Available

Care Advantage Health Insurance offers the option of various riders. You may purchase these add-ons to extend the coverage of the policy. The various riders available are:

Add-on Covers	Details
No Claim Bonus Super	The sum insured of your policy increases by 50% (maximum 100%) when no claims are raised in a policy year
Care Shield	Get three benefits: Claim shield (covers expenses for 68 non-payable items) No claim bonus shield (no claim bonus remains intact if the total claim amount in a policy year is less than 25% of the sum insured) Inflation shield (cumulative increase in base coverage upon each renewal).
Room rent modification	Get the privacy and freedom of a single private room
Air Ambulance Cover	Get air ambulance expenses if air travel is required medically
Smart Select	15% discount on premium
Protect Plus	Treatment expenses cover outside India
Annual Health Check-Ups	Free annual health check-ups are booked through the mobile application of Care Health Insurance.
Reduction in waiting period	Reduction in the PED waiting period to 24 months
Care OPD	4 physician consultations (₹500 each) 4 specialised consultations (₹500 each)

Care Advantage Plan: Eligibility Criteria

Anyone who is planning to purchase a Care Advantage Health Insurance policy needs to fulfill certain basic requirements:

The minimum entry age is 5 years for adults and 91 days for kids
The maximum entry age is 24 years for kids. There is no maximum entry age limit for adults
In a family floater policy, kids of 91 days must be accompanied by at least 1 member of 18+ years.

What is covered?

The inclusion of the Care Advantage Health Insurance Plan is:

In-patient hospitalisation

When you are hospitalised for over 24 hours, your medical expenses, including room rent, doctor's fees, and treatment costs, are covered.

Pre and post-hospitalisation

With Care Advantage, you get coverage for medical expenses incurred before and after hospitalisation, that’s 60 and 180 days respectively.

Daycare treatments

Get cover for over 540 treatments that take require hospitalisation of less than 24 hours.

Ambulance cover

Get reimbursed for the expenses on ambulance services used to transport the insured to the hospital

Organ donor cover

Medical and surgical costs related to organ donation are covered

No claim bonus

When you do not make a claim during a policy year, your sum insured gets increased by 10%. Get a max benefit of 50%

Automatic recharge

Reinstates the sum insured if it's exhausted in a policy year, ensuring continued coverage

Unlimited e-consultations

Book an appointment with a general physician on the Care app and get access to unlimited e-consultations

AYUSH treatment

Prefer alternate treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy? Care Advantage offers cover up to the sum insured

Global coverage

With the Protect Plus add-on, you can get coverage for medical treatments received outside India also

What is not covered?

The conditions that are not covered under the policy are:

Non-medical items:

Items that not directly related to medical treatment, such as toiletries, food for attendants, admission kits, or other personal-use products.

Gender reassignment treatments:

Treatments or surgeries intended to change the physical characteristics to those of the opposite gender are not covered

Drug abuse or/ and alcoholism

Treatment arising due to drug abuse or alcoholism is uncovered, as these are classified under self-inflicted conditions

Sterility or infertility

Treatments aimed at addressing infertility or sterility, including IVF or related procedures

Birth defects

Congenital anomalies or treatment for external birth defects are uncovered

Mental disability treatment

Therapy/ treatment for mental disabilities are not covered.

Understanding the exclusions in your medical insurance plan is crucial for avoiding unpleasant surprises during a claim process. Always review the terms and conditions of your policy to ensure your healthcare needs are covered.

Our verdict

Care Health Insurance is a popular brand in India's health insurance industry. Through its exceptional customer care services and various health insurance plans, the company has gained a wide customer base. Additionally, with a large network of hospitals, ranging over 24,800, it becomes easier for people to opt for cashless treatment, which makes the treatment more affordable.

Opting for a high sum insured in health insurance, like the Care Advantage plan, is a proactive step toward financial well-being, safeguarding both health and wealth in the long run. It becomes possible for families to get quality healthcare services affordably.

If you haven’t done it already, get your health insurance policy from PayBima today!

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Usually, there are no medical tests required if no existing illness is declared. However, for individuals above 50 years of age, certain medical tests may be required.¹

You may purchase a Care Advantage Health Insurance Policy at Paybima. By following a few simple steps, you can quickly purchase the policy. Apart from this, you may also purchase the plan through the official website of Care Health Insurance.

Care Advantage Health Insurance Plan is suitable for both large and small families looking for high coverage. The plan ranges from ₹25 lakhs to ₹6 crores and thus can suit people looking for affordable coverage, as well as HNIs. Be it for individuals or a family, Care Advantage Health Insurance can be an ideal choice for all.