Are there any inner limits or caps on ICO charges or hospital room categories?

No, Care Advantage offers unlimited room rent eligibility across all room categories and covers ICU charges up to 100% of the sum insured without any sub-limits.

Does Care Advantage cover organ donor expenses and modern treatment?

Yes, both modern/advanced treatments and medical expenses incurred for organ donors during transplant surgeries are covered up to 100% of the sum insured.

What is the window covered for pre- and post-hospitalisation medical expenses?

The plan covers relevant medical expenses incurred for up to 60 days prior to hospital admission and 180 days post-discharge.

Can the standard pre-existing diseases waiting period be reduced?

Yes, while the standard PED waiting period is 36 months, it can be reduced to a shorter waiting period by opting for applicable optional add-on covers.

How extensive is the cashless network for care health insurance and claims?

You can access cashless hospitalisation across 19,000+ network healthcare providers nationwide.

How does the Cumulative Bonus structure work upon policy renewal?

Care Advantage increases your Sum Insured by 50% on the 1st renewal and another 50% on the 2nd renewal, allowing you to double your initial cover (up to a maximum of 100%) for claim-free years.

How can I ensure non-medical hospital consumables are paid during a claim?

Non-medical consumables (like gloves, masks, and surgical disposable kits) can be covered by choosing the Care Shield optional add-on.

OneAssure

Health Insurance

Care

Advantage

Care Advantage Health Insurance

Get a sum insured of up to ₹1 crore with no room rent or ICU sub-limit, an automatic recharge once in a policy year, and a 10% no claim bonus that can grow to 50% of the sum insured.

96%

Claim Settlement Ratio

22,000+

Network Hospitals

7.5/10

Plan Rating

Policy Brochure

Policy Policy wording

Get a Quote

Our Verdict

Expert Review: Care Advantage

Final Verdict

Care Advantage offers high coverage at competitive premiums, with no co-payment, no room rent limits, and comprehensive benefits. However, it lacks domiciliary hospitalization coverage and imposes a 3-year waiting period for pre-existing diseases. Ideal for individuals seeking extensive coverage without co-payments, but not suitable for those requiring home hospitalization benefits.

About

What Is Advantage?

Care Advantage by Care Health Insurance offers coverage from ₹25 lakh to ₹6 crore, covering hospitalization, daycare, organ donor expenses, and emergency ambulance services. It has no sub-limits on room rent or ICU charges. Benefits include a 10% No Claim Bonus (up to 50%), sum insured recharge, and AYUSH coverage. Optional add-ons include air ambulance, global coverage, and health check-ups. Available for individuals and families, it covers ages 91 days to 99 years, ensuring flexibility and comprehensive protection.

Advantage Ratings

Advantage

Insurer Rating

7.51

out of 10

Insurance Rating

7.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Add on

No Disease Sublimits

Yes

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

Yes

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Care Advantage Inclusions and Exclusions

Room Rent

All room categories are covered

Disease-wise sublimits

No

ICU Charges

No restriction on ICU room rent

Restoration Benefit

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Cumulative Bonus

For every year you don’t make a claim, your sum insured increases by 10%. You can pay an additional premium to increase Sum Insured up to 100%, every year, without any upper limit

Co-payment

Available as an option

Consumable Cover

No. However, available as an add-on

Initial Waiting Period

30 days

Specific Waiting Period

2 years

PED Waiting Period

3 years

Modern Treatment

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Health checkup is not included as part of base cover. However, you can opt for the Annual Health Checkup Add-on to avail health checkup once per Policy Year

Daycare Treatment

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

AYUSH Treatment

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Pre-Hospitalisation

You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage

Deductible Option

Available as an option

Cashless Healthcare Providers

21700+ Healthcare Providers

Coverage Options

Available coverage options: ₹25L, ₹50L,₹1Cr, ₹2Cr, ₹3 Cr, ₹6 Cr

Claim Settlement Ratio

96%

Maternity Cover

Not available

Exclusions

Congenital external anomalies, genetic disorders (unless covered).
Medical expenses for conditions existing before policy inception are typically excluded for a specified waiting period.
Certain treatments and diseases are not covered during initial periods after the policy starts, such as the first 30 days for general illnesses and up to 48 months for specific conditions
Expenses related to infertility tests and treatments, including in vitro fertilization, are typically not covered.
Expenses for psychiatric treatments and mental health conditions are often excluded.

Add ons

Advantage Add-Ons and Riders

Care Shield

World Wide Coverage

Smart Select

Air Ambulance

Annual Health Checkup

Ncb Super

Reduction In Ped

Room Rent Modification

Insurance Premium Calculator

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

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About the company

About Care

Carе Hеalth Insurancе (formеrly known as Rеligarе Hеalth Insurancе) is onе of India’s most trustеd and customеr-cеntric hеalth insurancе companiеs. It is dеdicatеd to providing comprеhеnsivе and affordablе hеalth covеragе that hеlps individuals and familiеs stay financially sеcurе during mеdical еmеrgеnciеs.
Carе Hеalth offеrs a widе rangе of plans tailorеd for individuals, familiеs, sеnior citizеns, and corporatе groups. Each policy is thoughtfully dеsignеd to covеr hospitalization еxpеnsеs, surgеriеs, daycarе procеdurеs, and both prе- and post-hospitalization costs. Thе insurеr also providеs global covеragе options, wеllnеss-basеd bеnеfits, and top-up plans to еnhancе protеction basеd on spеcific hеalthcarе nееds.

FAQs

Frequently Asked Questions

Got questions about health insurance? You're not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.

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