Care Health Insurance

Care Advantage insurance

  • Individual
  • Family

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Care Advantage insurance Quotes for Family

Care Advantage insurance Family health insurance plans provide coverage for the entire family within the scope of a single health plan. find quotes, compare & buy Care Advantage insurance Quotes for Family

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Care Advantage insurance key features

  • High Sum Insured with affrordable price
  • No capping on room rent
  • No claim bonus - 10% increase in sum insured per Policy Year in case of claim-free year, Max up to 50% of sum insured.
  • NO Claim Bonus Super - 50% increase in sum insured per Policy Year in case of claim-free year; Max up to 100% of sum insured
  • The plan has automatic recharge feature.
  • Increase Benefits in policy with Optional Benefits
  • Tax Benefit under section 80D

Care Health Insurance Review

Care Health Insurance
Sum Insured
4 lacs - 600 lacs
Claims Incurred Ratio *
59.00%
Tenure Options
1, 2, 3 years
Claims Settlement Ratio **
86.63%
List of Network Hospitals
19,000+ hospitals
Number of Policies issued *
1,178,380
Maximum Family Floater Coverage
Self, Spouse + dependent children + dependent parents
Number of Lives Covered *
7,342,207
* As per IRDAI report for 2020-21   |  ** As per NL25 data published on the Insurance Company website

Care Advantage insurance plan highlights

  • Eligibility
  • Coverages
  • Benefit description

Eligibility to buy Care Advantage insurance plan

Entry Age – Minimum Individual: 5 Years
Floater: 91 days with atleast 1 person of 18 Years or above
Entry Age – Maximum Child : 24 Years & Adult : No Age Limit
Exit age No Exit age
Policy Term 1/2/3 Years
Who are covered (Relationship with) 1. Individual: Self, Legally married spouse, son, daughter, father, mother, brother, sister, mother-in-law, father-in law, grandmother, grandfather, grandson, granddaughter, uncle, aunt, nephew, niece, employee or any other relationship having an insurable interest.

2. Family Floater: Self, Legally married spouse, son, daughter, father, mother, employee and his/her dependents (Legally married Spouse, Children & Parents) or any other relationship having an insurable interest

Coverages under Care Advantage insurance plan

Sum Insured (all figs in ₹ INR) 1 crore
In Patient & Day Care Treatment Expenses Up to Sum Insured
Room Rent No Sub-Limit
ICU Charges No Sub Limit
Pre-Hospitalisation 30 Days
Post Hospitalisation 60 Days
Automatic Recharge Yes, once in a Policy Year
Ambulance Cover Up to Sum Insured
Organ Donor Expenses Up to Sum Insured
No Claim Bonus 10% increase in SI per Policy Year in case of claim-free year; Max up to 50% of SI
Optional benefits
NO Claim Bonus Super 50% increase in SI per Policy Year in case of claim-free year; Max up to 100% of SI (50% decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCBS)
Smart Select
  • No Co-payment for Treatment in SMART SELECT Listed Hospitals
  • Additional Co-payment of 20% on all treatment taken in a NonSmart Select Network Hospital
Room Rent Modification Single Private room category

Benefit Description of Care Advantage Health Insurance policy

In-patient Care
Covers hospitalization expenses if the admission for injury/illness in a hospital exceeds 24 consecutive hours.

Day Care Treatment
Covers more than 540 Day Care treatments.

Room Rent
Customer is eligible for All Room Category available in a hospital.

Auto Recharge of your Sum Insured
If due to claims made, you exhaust your health cover, we recharge the entire sum insured of your policy, in the policy year. All this at no extra cost!

Organ Donor
Covers hospitalisation expenses towards donor in case of major organ transplant if it meets the following conditions.
  • The Organ donor is an eligible donor in accordance with The Transplantation of Human Organs Act, 1994 (amended) and other applicable laws and rules.
  • The Insured Person is the recipient of the Organ so donated by the Organ Donor.
  • Pre-Hospitalization & Post Hospitalization expenses incurred on the Donor are not covered.
  • Any other Medical Expenses in respect of the Donor consequent to the harvesting are not covered.
Ambulance cover
Reimbursement of Expenses incurred for necessary transportation of the insured to the Hospital in an ambulance for hospital admission and requiring immediate treatment.

Get No-Claim Bonus
10% increase in sum insured per Policy Year in case of claim-free year; Max up to 50% of sum insured.

Care health insurance FAQ's

Care Health Insurance (RHI), the health insurance arm of Care Enterprises Limited (REL), is a specialized Health Insurer offering health insurance services to employees of corporates, individual customers and for financial inclusion as well. Launched in July’12, Care Health Insurance is promoted by Care Enterprises Limited, a leading diversified financial services group based out of India; its other shareholders are Union Bank of India & Corporation Bank. The promoters are also the founders of Fortis hospitals, SRL Diagnostics and Care Wellness – India’s leading wellness and pharmacy retailers.

Some of the key features under this plan include:

  • Five Plans with Sum insured options from ₹4 lacs to ₹600 lacs (6 crs)
  • 30/60 Pre and Post hospitalization medical expenses covered
  • Room Rent, ICU Charges, Day Care charges remain covered
  • Ambulance Charges remain Covered as per limits
  • Domiciliary Hospitalisation
  • No Claims Bonus (NCB) offered upto 150% of SI after 5 claim free renewals
  • Covers more than 540 Day Care treatments
  • Inbuilt Maternity coverage of upto ₹ 1 lac under specific plans
  • Avail treatment anywhere in the world for 12 defined major illnesses under “Care Anywhere” on Cashless basis
  • Auto Recharge of Policy Sum Insured, as well as an option to avail Personal Accident Cover
  • Covers Non Allopathic treatment like Ayurveda, Homeopathy, Unani & Sidha (AYUSH)
  • Coverage for Modern Treatments like Robotic Surgery, HIV/AID

Some of the key exclusions are below…please go through the entire list of exclusions which are part of the terms and conditions of the policy:

  • Any diagnosis of diseases / undergoing of surgery / occurrence of event, whose signs or symptoms first occur within 30 days of Policy Period Start date
  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
  • Congenital disease
  • Tests and treatment relating to infertility and in vitro fertilization.
  • War, riot, strike, nuclear weapons induced hospitalization

Brochure

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Proposal form

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Policy wordings

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025
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