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
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.

Unlimited Automatic Recharge
An automatic recharge is a feature offered in a health insurance plan which recharges the sum insured if it is fully exhausted in a policy year due to a claim or multiple claims
Add-ons are pre-included in the plan