Care Advantage Health Insurance is a Rs 1 crore health insurance policy that offers comprehensive coverage to individuals and families. The policy is designed to meet the healthcare needs of the insured against emergency planned and emergency medical expenses. It comes with no sub-limits and also offers a co-payment waiver as an optional cover.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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|Sum Insured||Rs 25 lakh, Rs 50 lakh, Rs 1 crore|
|Policy Tenure||1 year, 2 years, 3 years|
|Incurred Claim Ratio (2020-21)||55.15%|
|Claim Settlement Ratio (2019-20)||95.2%|
|Pre-policy Medical Check-up||Not required up to 50 years|
|Pre-existing Diseases Waiting Period||4 years|
|Initial Waiting Period||30 days|
|Specific Ailments Waiting Period||2 years|
|Co-payment||20% for people above 60 years|
Check out some of the attractive benefits of Care Advantage Health Insurance:
In case the sum insured gets exhausted in a claim, the amount will automatically get recharged once in a policy year for up to 100% so that it can be used for another claim. The sum insured recharge can be done an unlimited number of times if you opt for the Unlimited Automatic Recharge cover.
Policyholders can avail free health check-up facility once every year if they opt for this cover under the Care Advantage plan.
A No Claim Bonus (NCB) of 10% is granted to the policyholder up to a maximum of 50% for every claim-free year. The policyholder can also buy the No Claim Bonus Super optional cover to get 50% NCB for every claim-free year.
The Care Advantage plan does not come with any sub-limits on the hospital room rent or ICU charges.
The policyholder can waive off the mandatory co-payment for policyholders above 60 years if they opt for this cover.
The policy allows the insured to avail cashless hospitalization facilities at over 19000 network hospitals of Care Health Insurance Company across India.
Policyholders can avail tax benefits on the premium paid for the Care Advantage plan under Income Tax Act, Section 80D.
Take a look at the eligibility criteria to buy a Care Advantage Health Insurance plan:
|Minimum Entry Age||Adult – 18 years
Child – 5 years (individual), 91 days (floater)
|Maximum Entry Age||Lifelong|
|Coverage Type||Individual/ floater|
The Care Advantage Health Insurance plan comes with the following inclusions:
The Care Advantage Health Insurance plan excludes the following coverage:
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