Health Insurance Plans
Comprehensive Health Insurance Plans

1 Crore Health Insurance Policy

Care Advantage helps you and your loved ones sail through the most difficult medical situations by offering you 1 Crore Family Health Insurance cover along with two more health cover options.


1 Crore Health Insurance Policy

Sum Insured options to choose from 25 Lacs, 50 Lacs or 1 Crore
Up to 50% No Claim Bonus
Coverage for Day Care Treatment
In-Patient Hospitalization

Policy Terms

Entry age - Minimum
Adult 5 years and Child 91 days (floater policy)

Entry age - Maximum Adult Lifelong and Child 24 years

Lifelong Renewability

Co-Payment 20% per claim, where age of insured / eldest member is 61 years or above

Initial Waiting Period 30 days from any illness

Named Ailment Waiting Period 24 months of continued coverage

Pre-existing Disease Waiting Period 48 months of continued coverage

Grace Period 30 days from the date of expiry


Any item or condition or treatment specified in List of Non-Medical Items

Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex

Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.

Expenses related to any unproven treatment, services and supplies for or in connection with any treatment.

Expenses related to sterility and infertility.

Screening, counselling or treatment of any external Congenital Anomaly, Illness or defects or anomalies or treatment relating to external birth defects.

Treatment of mental retardation, arrested or incomplete development of mind of a person, subnormal intelligence or mental intellectual disability.

About Care Advantage

Getting health insurance early in life will protect you in the most crucial times in life. Healthcare is increasingly becoming expensive in India. Thus, it's time you choose a health cover with higher coverage, which is absolutely essential for your financial safety. Good health is the key to happiness however, rising medical inflation and treatment cost signal the need for higher health insurance cover. No one can deny the fact that medical emergencies are unpredictable. Illnesses or injuries can put your life off-balance. Thankfully, due to medical advancements, a cure is now possible even for serious health problems. Certain medical procedures can cost lakhs of rupees and become a cause of concern. Expensive medical treatment can damage life savings, which is why opting for the Best Health Insurance Policy with adequate coverage is a must.

Care Advantage enables you to avail of quality medical treatment when you need it, in a quick and convenient manner. It offers you sum insured options for 1 Crore, Rs 25 Lakh, and Rs 50 Lakh that will safeguard the well-being of your loved ones, as you can access the best medical treatment without any stressing over hefty medical bills. There are also a host of benefits you can avail to help you lead a healthier life and stay worry-free about finances. You can choose an individual cover or a family floater for 1 Crore, 50L, and 25L.

Key Features of Care Advantage Health Insurance Policy

Care Advantage helps you and your loved ones sail through the most difficult medical situations by offering you 1 Crore Family Health Insurance cover along with two more health cover options with a sum insured of Rs 25 Lakh and Rs 50 Lakh, respectively. It includes the below-mentioned features:

Individual or Floater Option
Cover for Hospitalization Expenses
Daycare Treatment Cover
Pre-and Post-Hospitalization Medical Expenses Cover
Ambulance Cover
Organ Donor Cover
No Claims Bonus
Tax Benefits under Section 80 D
Automatic Recharge

Factors to consider while buying Health Insurance for 1 Crore, 50L or 25L

The following are some vital points to consider when opting for a health cover:

Assess Healthcare Needs: Before opting for a health insurance policy, you must assess your healthcare needs by considering factors such as age, the number of family members, medical history, etc. Consider opting for a cover of 1 Crore, 50L, or 25 L, depending on the medical expenses you have estimated.

Premium: Going for an increased coverage under your existing health policy may cost you additional charges on the premium. However, by opting for a policy with a high sum insured like a customized 1 Crore Health Insurance Policy, you can look forward to an affordable premium rate.

Buy Health Insurance Online: Technology has made buying health insurance easy and convenient. You now have the option to review the best policies comfortably from your mobile or computer screen. Also, you can make premium payments and raise a claim request through an online method.

Why do you need Health Insurance Cover with Higher Coverage?

Lifestyle diseases are on a constant rise. While we ensure to follow a healthy lifestyle and healthy diet, it is crucial to be financially prepared for any health emergency. Medical conditions are not always due to poor lifestyle. It may be due to hereditary factors as well. Thus, a health insurance policy with higher coverage, for instance, Rs 1 Crore Health insurance, would serve as a financial cushion. All your major expenses entailing hospitalization, daycare treatment, as well as pre and post hospitalization medical expenses, will be covered under your policy. You get coverage for certain specific ailments and pre-existing diseases after the waiting period is over, subject to policy terms and conditions.

Things to Keep in Mind While Buying Health Insurance with High Sum Insured

Before making a judicious choice for the preferred health insurance policy, it is important to consider certain factors as listed below:

Expenses covered: At the time of selecting a health insurance plan, one should select the amount wisely as it covers the medical expenses for a year. Make sure you chose a sum insured which won't fall short in case of an emergency and the premium for which is not too exorbitant. For protection from huge medical expenses, you can depend on the health insurance 1 Crore coverage under Care Advantage while you also have two more sum insured options to choose from health insurance with Rs 25L and Rs 50L cover. Make sure you read the policy features to know about the expenses which are covered.

Waiting Period: When opting for a health insurance policy, you must check for the waiting period before making a claim. With Care Advantage, we offer coverage with an initial 30-day Waiting Period for any claim due to illnesses, except injury. There is a waiting period of 48 months for pre-existing diseases and 24 months for specific diseases.

Network Hospitals: One should always check the Cashless Network Hospitals of the insurance company. At the time of a medical emergency or hospitalization, the hospitals in the network offer cashless treatment options under this facility; the insurer settles the medical bills directly with the hospital, subject to policy terms and conditions. We, at Care Health Insurance (formerly known as Religare Health Insurance Company Limited), offer cashless treatment at more than 7900 hospitals across India.

Lifetime Renewal: Look for health policies that offer lifetime renewability. There is a higher chance of suffering from diseases and illnesses when you are old. It is advisable to buy a health policy offering
lifetime renewability.

No Claim Bonus: No claim bonus in health insurance refers to the additional coverage provided by the insurer to the insured if no claim has been made during the year. We, at Care Health Insurance (formerly known as Religare Health Insurance Company Limited), offer 10% increase in sum insured per policy year if you had a claim-free year the maximum limit to this increase is 50% of the sum insured.

Tax Benefits of Care Advantage

A Health insurance policy not only covers your medical expenses but also offers you tax benefits under Section 80D of the Income Tax Act. As per this provision, you are eligible to claim a tax deduction of Rs 25,000 in a financial year for the premium you pay towards the policy. In case you have senior citizen parents covered under the policy, you get an additional deduction of Rs 50,000 under Section 80D tax benefits.

Exclusions in Care Advantage

Exclusions are the diseases that are not covered under the policy. Some common exclusions for Health Insurance Policy are listed below:

Self-Inflicted injuries and suicide attempts
Injuries due to consumption of alcohol
IVF or infertility treatment
Hospitalization due to war or nuclear threat
Plastic surgery and cosmetic treatment
Other permanent exclusions

Product Features

Day Care Treatments

Up to Sum Insured

In Patient & Day Care Treatment Expenses



Expenses don't end once you are discharged. There are follow-up visits to your medical practitioner, medication that is required and sometimes even further confirmatory tests. We cover the medical expenses incurred by you up to 60 days after your hospitalisation.



Sometimes the procedures that Finally lead you to hospital, such as investigative tests and medication, can be quite financially draining. We cover the medical expenses incurred by you up to 30 days before your hospitalisation.

Ambulance Charge

Up to Sum Insured

Ambulance Cover, Up to Sum Insured

Bonus on No Claim

increase of 10% in Sum Insured

Get flat increase of 10% in Sum Insured for next policy year in case of no claim. No Claim Bonus in any case will not exceed 50% of Sum Insured under the policy and in the event there is a claim in a policy year, then the No Claim Bonus accrued will be reduced at a same proportion

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