Care Advantage Health Insurance Plan

Care Advantage: Your Shield Against Medical Costs
9,747+
9,747+ Network Hospitals
95.2%
95.2% Claims Settled in the Year 2022-23
Up to 6 CR
Up to 6 CR Sum insured
24*7
24*7 Customer support
Care Advantage: Your Shield Against Medical Costs

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What is the Care Advantage Policy?

The Care Advantage health insurance policy provides a comprehensive range of coverage options, with sum insured amounts reaching up to 6 crore rupees. With sum insured options starting from 25 lakh rupees and going as high as 2, 3 and 6 crores, the policy aims to alleviate the financial strain of costly medical treatments. This extensive coverage ensures that both you and your family can receive high-quality medical care without being burdened by financial concerns.

Care Advantage provides extensive coverage for major medical expenses such as pre and post-hospitalization costs, in-patient care, daycare treatments, ambulance cover and AYUSH treatment. This makes it an ideal insurance solution for both large and small families with customisable benefits and various optional covers. You can learn about its policy features and ways to enhance its coverage through optional benefits.

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Care Advantage Policy Specifications

KEY FEATURES₹25L / 50L / 1Cr₹2/ 3/ 6Cr
In-Patient HospitalizationUp to the Sum InsuredUp to the Sum Insured
DaycareUp to the Sum InsuredUp to the Sum Insured
Pre-hospitalization*60 Days60 Days
Post-hospitalization*180 days180 days
Ambulance CoverUp to SIUp to SI
Organ DonorUp to SIUp to SI
No Claims Bonus (NCB)✓✓
Automatic RechargeUp to SI (Once in a Policy Year)Up to SI (Once in a Policy Year)
Unlimited E-Consultations*✓✓
AYUSH TreatmentUp to SIUp to SI
No Claim Bonus✓✓
Global Coverage**Optional BasisInclusive Basis

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Coverage Benefits of the Care Advantage Plan

Care Advantage is a comprehensive health insurance plan designed to provide extensive coverage for individuals and families. With high-sum insured options ranging from 25 lakh to 6 crore rupees, the plan aims to cater to diverse medical needs and financial capabilities.

BenefitsCoverage
In-patient HospitalizationCovers hospital expenses for at least 24 hours, includes room, nursing, ICU, doctors, surgeons, anaesthesia, blood oxygen and operation theatre charges
Daycare TreatmentsCovers 540+ medical procedures that need less than 24 hours in the hospital, like cataract surgery, chemotherapy, dialysis etc
Pre-hospitalization ExpensesCovers medical expenses before hospitalization
Post-hospitalization ExpensesCovers medical expenses up to 60 days after leaving the hospital. Includes consultations, medications and tests
No Claim Bonus (NCB)Rewards claim-free years with a gradually increasing sum insured of up to 50% higher
Automatic Recharge of the Sum InsuredThe sum insured is automatically restored once per policy year for multiple claims within the same period
Annual Health Check-upPolicyholders can get a free annual health check-up
Cashless HospitalizationHelps with cashless treatment at hospitals. No need to pay upfront
Additional CoversOffers add-on covers like maternity, newborn baby, critical illness, personal accident to enhance coverage
High Sum Insured OptionsFlexible sum insured options available to meet various financial requirements
No Sub-limitsNo restrictions on room rent, ICU charges or surgeries
Co-payment WaiverWaives co-pay for young policyholders
Organ Donor CoverCovers organ donation expenses
Ambulance CoverIncludes ambulance costs for emergencies
Air Ambulance CoverCovers air ambulance services up to a limit
COVID-19 CoverageCOVID-19 treatment is covered with certain conditions

What’s Covered and Not Covered in Care Advantage Health Insurance Plan

Care Advantage Health Insurance Inclusions

  • Hospitalization expenses for in-patients
  • Costs for daycare
  • Cost of ambulance
  • Cost of organ donation
  • Before and after hospital expenses

Waiting periods

  • Pre-existing disease waiting period is 4 years
  • The initial waiting period is 30 days
  • The specific ailments waiting period is 2 years
 

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Care Advantage Health Insurance Claim Process

Care Health prioritizes your health and aims to alleviate stress during unexpected medical situations. This guide will simplify the process of filing claims under your insurance plan, whether it is for emergency hospitalization, planned procedures or selecting between cashless and reimbursement options.

Cashless Claims Process

1
Go to the closest network hospital of care health company.
2
Approach the front desk to speak with the TPA, or third-party administrator.
3
TPA will complete and submit your application to Care Health Insurance on your behalf.
4
If everything is authorized, the claim executive will examine the reports and proceed with processing the claim.
5
You can begin receiving therapy at the hospital as soon as you receive approval.
6
Your insurer and the hospital will settle the bill directly after treatment.

Reimbursement Claims Process

1
Notify Care Health Insurance of your hospital stay (within 48 hours in the event of an emergency, and 48 hours in advance if it is planned).
2
Pay your hospital costs in full and turn in all required paperwork.
3
Complete and send in a claim form.
4
Await the insurer's permission and status report.

Keep in mind that you must: 

  • Submit all paperwork with your claim form within 15 days of discharge.
  • Save all properly signed paperwork for submission to ensure a seamless claim procedure.[3]

Care Senior Health Plan Contact Details

You may contact Care Health Insurance using the below-mentioned information if you have any queries about Care Health Insurance plans:

  • WhatsApp Connect with us on WhatsApp: +91-8860402452 (Services)
  • Call Connect with us on Call: 1800-102-4499 (Sales)
  • Website Website: Care Health Insurance
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Best Health Insurance Plans In India

When it comes to the best health insurance, there is no “one-size-fits-all” policy. It is like choosing a Netflix or OTT plan - different plans offer different benefits and have different costs. However, this age is designed to meet the diverse needs of most users, making it a versatile and comprehensive health insurance comparison page.

It is essential to conduct a thorough comparison to find the policy that best suits your needs. We have created a comprehensive table of how some of the top mediclaim policies in India compare to others in the industry.

Insurance Provider Plan Name Coverage Type Sum Insured Range Age Limit (Adults) Important Parameters
Care Advantage Health Insurance Plan Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
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ICICI Elevate Health Insurance Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
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IFFCO Tokio Family Health Protector Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
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Niva Bupa Aspire Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium
Arogya Supreme Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium
TATA AIG Medicare Lite Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium

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