Care Advantage Plan
Care Health Insurance
8.6/10
OneAssure Rating
8.6/10
OneAssure Rating
Highlighted Features
Room rent and ICU limit
The Care Advantage plan has no sub-limits on room rent or ICU charges, ensuring flexibility and comprehensive coverage during hospitalization.
Advanced Treatments
Access to cutting-edge therapies, specialized surgeries, and personalized treatment plans designed to address complex medical conditions and promote recovery.
Brochure
Policy wording
Explore more features
Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: No limit
ICU: No Limit
Advanced Treatments
Deep brain stimulation
Oral chemotherapy
Uterine artery embolization
HIFU
Robotic surgeries
Co-payment
Mandatory copayment limit of 20% for individuals above the age of 61.
Waiting Periods
Specific illness waiting period for 2 years or 24 months
Pre-existing disease waiting period for 3 years
30 day waiting period
Cashless Healthcare Providers
24800+ network hospitals across India.
Day Care Treatments
All day care treatments covered.
AYUSH Treatment
The Care Advantage plan covers AYUSH treatments, including Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy, up to the sum insured.
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.
Exclusions
Dental and Vision Coverage - Includes routine check-ups, cleanings, and vision exams to help maintain overall health.
Prescription Drug Coverage - Access to a wide range of medications, ensuring you have affordable options for any prescriptions.
Telehealth Services - 24/7 access to virtual care consultations, allowing you to speak with healthcare professionals from home.
Home Health Care Services - Skilled nursing and therapy services provided in the comfort of your own home to promote recovery and well-being.
Fitness Programs - Personalized fitness and wellness programs that help you stay active and healthy.
Add-ons
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
Care Health Insurance, previously known as Religare Health Insurance Company Limited, is a trusted health insurance provider offering plans to protect you and your family during medical emergencies. Founded in 2012, it has settled 48 lakh claims and covered over 7 crore lives since inception. Care ensures seamless access to advanced treatments, AYUSH therapies, and more.
Care Health Insurance delivers comprehensive health coverage tailored to diverse needs. Plans like Care Supreme provide high cumulative bonuses, no sub-limits on room or treatment types, and early coverage for conditions such as diabetes with an additional premium. Care Health Insurance prioritizes health and financial security, offering reliable support for every stage of life.
About the Company
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