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Last updated on: August 7, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
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It may be a difficult task to decide the correct health insurance in India, considering that it is full of options including Care Advantage Plan and the Digit Double Wallet Plan. Having increased medical expenses and hospitalisation costs, the importance of ensuring your health and your finances on a multi-purpose insurance is more crucial than ever before in 2025. Each of the two plans has its own advantages, features and shortcomings. In this article, their differences, strengths and weaknesses are disaggregated and thus you are in a better position to make a well informed decision that suits you.
Healthcare inflation has been increasing to over 12 percent per annum, and in that case a single hospital stay will ruin your savings. In 2025, both urban and rural families will be seeking affordable and adaptable coverage. The response in the insurance market has included the launch of plans that are meant to deliver value, additional coverage and hassle free claims experience. Care Advantage Plan and Digit Double Wallet Plan are some of the options that need to be compared, as the appropriate choice will not only provide you the peace of mind but the security as well.
Did you know? As revealed by IRDAI, claims settlement ratios of major insurance companies have reached over 99 percent in 2024 which means timely and efficient claims settlement in relation to both Care and Digit health insurance products.
The insurance cover offered by the two plans is similar in the sense that they offer all round health coverage, however; they differ in terms of structure and the methods of paying out. Their advantages are as follows:
| Characteristic | Care Advantage Plan | Digit Double wallet Plan. |
|---|---|---|
| Sum Insured (2025) | Rs 25 lakh to Rs 1 crore | Rs 10 lakh to Rs 50 lakh (doubled to be used) |
| Restore Benefit | 100 percent restoration with no limit | Double wallet (up to 100 percent additional cover) |
| Network Hospitals (2025) | 20,800 plus | 12,000 plus |
| Room Rent Limit | None private room limit | No room rent limit. |
| Health Check-up | Annual, all members | Annual, all members. |
| Copayment | No mandatory copayment | No mandatory copayment |
| Pre and Post Hospitalisation | 60 and 180 days | 60 and 180 days. |
| OPD & Maternity cover | Available as addition | Limited, depending on zone. |
| Claim Settlement Time (Average) | 2 hours | -2 to 4 hours. |
Pros:
Cons:
Pros:
Cons:
Q: Is it possible to purchase Care Advantage and Digit Double Wallet at the same time?
A: Yes, it is possible to have various policies under health insurance but they have to coordinate claims between them. Commonly, you would first of all claim out of one, and then the other out of the remaining expenses.
Most Indian customers base a lot of critical decisions on premium. A fast comparison of the family floater plan (2 adults and 1 child) in Mumbai in the year 2025 would be as shown below:
| Plan | Sum Insured | Annual Premium (Approx) |
|---|---|---|
| Care Advantage | Rs 50 lakh | Rs 23,200 |
| Digit Double Wallet | Rs 50 lakh | Rs 21,900 |
| Care Advantage | Rs 1 crore | Rs 32,800 |
| Digit Double Wallet (Doubled) | To Rs 1 crore | Rs 28.900 (when original became exhausted) |
The premiums can vary with age, additional add-ons, previous medical-related health information, and other discounts provided by the insurance policy holder.
Experts opinion: Insurance experts recommend you to take a plan in which the amount you are insured corresponds to what you expect to spend on medical treatments and other medicine costs in urban India in 10 years.
The pre-existing illnesses and specific diseases have general waiting periods in most of the insurers, such as the Care and the Digit insurers. In 2025, waiting periods are:
Both projects cover COVID treatment, day-care processes, and advanced surgery after the waiting period.
Q: Will the already existing illnesses such as diabetes be covered immediately in these plans?
A: No, there is a standard waiting period in both, normally 36 months after which diabetes and other related illnesses are covered.
Cashless claims are a big difference in controlling the expenses of hospitals and cutting paperwork:
Both insurers are operating AI-based applications and WhatsApp claim filing as of January 2025 to serve more expeditiously, eliminating or minimizing physical visits and increasing customer satisfaction.
Did you know? By 2024-25, more than 70 percent of all health insurance claims in India will have been done through digital platforms and not at the physical desks within the hospitals.
Make your plan more unique by adding features in line with your health needs:
Both of the companies offer you to improve your major policy according to the needs of the family, yet the greater variety of the add-ons offered by Care provides it with the additional advantage, particularly in the case of big families or expatriates.
Q: Do I add-ons add-ons during purchase or can I add-ons at a later stage?
A: It is possible to add the majority of riders at the time of renewal but adding them at purchase is usually at a discounted premium rate.
Both Care and Digit brag of more than 99 percent claims settlement ratios at the beginning of 2025. Their procedure is more or less as follows:
Clients are widely satisfied, as long as all the documents and pre-authorisements are in place.
Professionals knowledge: It is always advisable to have current KYC information and original bills on hand. The first most common reason of delay in claims is incorrect paperwork in all companies.
Q: Can I recover more than the amount insured in Digit Double wallet in case I deplete the double amount insured?
A: No, the double wallet can be offered once every policy year. The additional amount that can be restored in the same policy year is nothing.
Care Advantage Plan: Large sum insured, extremely huge network of hospitals, best suited to large families and to those who need a full coverage with recharge benefit.
Digit Double Wallet Plan: New double sum insured benefit, can choose the coverage options based on the features, suits younger and digital savvy customers who require a modern touch.
Both are COVID, psychiatric treatment, and quick claim settlement, but hospital network and sum insured ceiling can make a difference.
Premium on Care Advantage is slightly more because it is more covered and has add-ons whereas digit is affordable to those who seek value and twice cover.
You should be guided in the final choice by your personal needs, family size, existing diseases and your preferences on the hospital.
Better still, unlimited recharge or doubled wallet feature in health insurance in 2025?
Both give the long cover and unlimited recharge (Care) is used every time you make a fresh claim, and the double wallet (Digit) is a one-time double cover in case you use up your base sum insured.
Do the two plans cover day care treatments?
Yes, both care advantage and Digit Double wallet include more than 400 day care procedures as standard such as chemotherapy, dialysis and eye surgery.
Does it include domiciliary hospitalisation in these plans?
Yes, they both cover home-based treatments in case they cannot be hospitalised under the terms of the system and a recommendation of the doctor.
Which is the insurer with the shortest waiting period of pre-existing diseases?
The waiting period of both is usually 3 years on pre-existing illnesses which is according to the IRDAI guidelines.
Is it possible to change to a more substantial sum insured upon renewal?
Yes, with your underwriting and medical examinations, you are allowed to change to a higher sum insured during the renewal of either Care or Digit plans.
What is the rate of settling claims in 2025 as compared to the past?
They both now take shorter processing time courtesy of the digital platforms, and cashless approvals are settled within an average of 2 hours (Care) to 4 hours (Digit).
Is it usual to increase annual premium?
The premiums can also go up through inflation and medical costs adjustments but both plans guarantee no loading on claim records.
Do NRIs purchase these plans on behalf of their parents in India?
Yes, provided that the insured individual is staying in India, NRIs could pay and buy these plans on behalf of the family members.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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