About Care Advantage
Care Advantage is a comprehensive health insurance plan designed to provide superior health and financial security. This plan is tailored for individuals and families, offering extensive benefits and high sum insured options up to ₹6 Crore, ensuring robust protection without the burden of high premiums.
Plan Highlights:
| Categories | Specifications |
|---|---|
| Sum Insured (SI) | Rs. 25, 50 Lacs and 1, 2, 3 & 6 Crores |
| Policy Tenure | 1/2/3 years |
| Cumulative Bonus | 10% of SI increase per claim free year, max up to 50% of SI; |
| Initial Waiting Period | 30 Days |
| Advance Technology Methods | Covered up to Sum Insured |
Plan Eligibility Criteria:
| Parameters | Criteria |
|---|---|
| Minimum Entry Age |
Adult: 5 Years; Child: 91 Days |
| Maximum Entry Age |
Adult: 99 Years; Child: 24 Years |
| Exit Age |
Adult: 99 Years; Child: 25 Years |
| Cover Type |
Individual: Max up to 6 persons Floater: Max up to 2A+4C |
| Who are covered | Self, Spouse/Live-In Partner/Same Sex Partner, Son, Daughter, Father, Mother, Mother-In-Law, Father-In-Law, Grand Father, Grand Mother |
Features & Benefits of Care Advantage Plan:
The Care Advantage Health Plan offers a comprehensive range of features designed to provide extensive coverage for all your healthcare needs. Here's a detailed look at the key highlights:
Pre Existing Disease
Covered after 4 years from the policy start date
Room Rent Limit
Covered up to Sum Insured
ICU Charges
Covered up to Sum Insured
Cumulative Bonus
10% of Sum Insured per year, max up to 50% of SI
Organ Donor
Covered up to Sum Insured
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 180 days
Road Ambulance Cover
Covered up to Sum Insured
Day Care Treatments
All listed day care procedures are covered up to Sum Insured
Restoration Benefit
Sum Insured once in a year
Co-Pay
Full claim paid by insurer
AYUSH Treatment
Covered up to Sum Insured
Advance Technology Methods
Advance Technology Methods
Tax Benefits
Avail of tax benefits under Section 80D of the Income Tax Act
Unlimited E-Consultations
Available for Consultations with General Physicians
Exclusion of Care Advantage Plan:
It is important to note that the plan may not cover certain illnesses or medical conditions. Here are some diseases not covered under the Care Advantage Plan:
Domiciliary Hospitalization
Not Covered
Maternity Waiting Period
Not Covered
Maternity Benefits Limit
Not Covered
Daily Hospitalization Allowance
Not Covered
Permanent Exclusions:
War Related Injuries
Lasik Eye Treatments
Cosmetic Surgery
Administratives Expenses
Drugs or Alcohol Abuse
Registration Fees
Change-of-Gender treatments
Add-ons To Cover Your Specific Needs:
Enhance your Care Advantage insurance policy with our optional add-on covers to optimize your benefits and tailor your coverage to meet specific healthcare needs.
Pre and Post Hospitalization
Modification of the Pre-Post Hospitalization Expenses period under this Policy shall be adjusted according to the chosen number of days.
Unlimited E-Consultation
Unlimited E-Consultation from General Physician with Customer Mobile Application
Smart Select
It provides a premium discount of 15% to the policyholder. However, a co-payment of 20% will apply in case the treatment is taken at a non-network hospital of the insurance company.
NCB-Super
NCB Super for additional 100% Increase in Bonus. Accrued bonus amount will decrease on renewal in case of claim in a previous years
Room Rent Modification
Room Rent Modification will restrict room eligibility to Most Economical Single Private Room
Care Shield
An add-on cover that offers 3 benefits claim shield, no claim bonus shield and inflation shield
Air Ambulance
It covers the cost of availing air ambulance services for up to a maximum of Rs 5 lakh.
OPD Care
The Mandatory Co-payment of 20% on Claims applicable of Insured Person whose age is 61 Years or above shall be waived off.
Reduction In PED
With this add-on benefit, you can reduce the waiting period for specified pre-existing diseases as per the policy terms.
Annual Health Check-up
It offers the insured with the facility of free health check-ups once every year.
Global Coverage
You can add global coverage benefit to your policy to receive planned hospitalisation expenses worldwide, including or excluding the USA.
Add-ons are pre-included in the plan
