Last updated on: July 25, 2025
The Care Health Advantage Health Insurance Plan is a comprehensive health insurance product offered by Care Health Insurance (formerly Religare Health Insurance) in India, designed to provide robust medical coverage for individuals and families. This plan covers hospitalization expenses, day care treatments, pre- and post-hospitalization costs, ambulance services, and offers cashless treatment at a wide network of hospitals. It also includes features like annual health check-ups, no-claim bonus, and coverage for alternative treatments (AYUSH). With options for policy customization, flexible sum insured amounts, and affordable premiums, this plan aims to safeguard policyholders from unexpected medical expenses and provide financial security during health emergencies. The Care Health Advantage Plan is suitable for those seeking reliable, wide-ranging health insurance protection with easy claim processes and additional wellness benefits.
Care Health Advantage Health Insurance Plan is a popular medical insurance policy in India designed to provide comprehensive health coverage for individuals and families. With rising medical expenses in 2025, having a reliable health plan is crucial for financial security. Care Health, previously known as Religare Health, offers this policy to help people cover hospitalisation costs, ambulance expenses, pre and post-hospitalisation, and more.
The plan is designed for Indian citizens who want a mix of affordability and extensive hospitalisation cover. Whether you want a policy for yourself or your entire family, Care Health Advantage Plan aims to meet diverse healthcare needs at an accessible premium.
The healthcare scenario in 2025 is rapidly evolving, with new diseases and expensive treatments. Many Indian families face high out-of-pocket expenses during hospitalisation, making a health cover essential. Care Health Advantage Plan addresses these challenges by offering features like high sum insured options, quick claim settlements, and coverage for all age groups.
It also includes several value-added benefits, such as annual health checkups and no-claim bonuses, tailored to the current trends in health insurance.
Q: Is it necessary to have health insurance in India in 2025?
A: Yes, with medical inflation, unforeseen illnesses, and costly hospital treatments, health insurance is recommended for all.
Care Health Advantage Plan covers a wide range of healthcare expenses. Here are some major highlights:
Did you know?
Care Health was among the first insurers in India to offer fully cashless hospitalisation without any sub-limits on room rent for this policy segment.
The core coverage of the Care Health Advantage Health Insurance Policy includes:
Q: Does Care Health Advantage cover maternity and newborn baby expenses?
A: Maternity benefits are not directly included but some specific add-ons may provide cover; check with the insurer before buying.
Every health policy comes with some exclusions:
Always read the latest policy wording for updated exclusions in 2025.
Experts’ Insight:
Policy exclusions and waiting periods are common across all insurers. Picking the right sum insured and reading terms helps avoid claim disputes.
Care Health Advantage Health Insurance Plan offers two ways to make a claim: cashless and reimbursement.
In 2025, insurers are increasingly using digital claim intimation and processing for faster turnaround and transparency.
Q: How is Care Health’s customer service and claim settlement ratio?
A: For 2023-2024, Care Health reported a claim settlement ratio of over 94 percent, considered reliable for the industry.
Did you know?
Care Health Advantage Plan allows portability from other insurers, meaning you can switch to this plan with accrued benefits.
Premium depends on sum insured, age of applicants, family members, and optional covers. Below is an estimated annual premium for individuals and families (for 2025):
Coverage Type | Sum Insured | Age 30 | Age 40 | Age 50 | Family (2 Adults + 1 Child) |
---|---|---|---|---|---|
Individual | 5 lakh | 7,200 | 8,950 | 12,600 | 18,900 |
Individual | 10 lakh | 9,300 | 11,100 | 17,950 | 23,800 |
Family Floater | 5 lakh | - | - | - | 14,800 |
Family Floater | 10 lakh | - | - | - | 24,500 |
Premiums may vary based on add-ons, city, and discounts.
Feature | Care Health Advantage | Star Health Comprehensive | Max Bupa ReAssure | ICICI Lombard Complete Health |
---|---|---|---|---|
Entry Age | No upper limit | 18 to 65 | No upper limit | No upper limit |
Cashless Network | 16,500+ hospitals | 14,000+ | 10,000+ | 8,900+ |
Daycare Procedures | 540+ | 600+ | 540+ | 150+ |
No Claim Bonus | Up to 50 percent | Up to 100 percent | Up to 100 percent | Up to 20 percent |
Maternity Cover | With add-ons | Included (with sub-limit) | Add-on | Add-on |
Pre-hospitalisation | 30 days | 60 days | 60 days | 30 days |
Post-hospitalisation | 60 days | 90 days | 180 days | 60 days |
Care Health Advantage fares well for its larger hospital network, unlimited entry age, and clear pricing for individuals and families.
Experts’ Insight:
Choosing the right health plan depends on your family structure, medical history, and preferred network hospitals.
Q: Can you increase sum insured during renewal?
A: Yes, Care Health allows sum insured enhancement at the time of renewal, subject to underwriting approval.
Care Health Advantage provides these commonly opted add-ons for extra protection:
Optional benefits help customise your policy according to your needs.
The buying process is quick and simple in 2025:
Did you know?
Many online platforms provide up to 10 percent discount for digital purchases and renewal reminders to avoid lapses.
You usually need:
No medical tests up to age 45 unless declared illness or higher sum insured chosen.
Q: Can this policy be renewed yearly?
A: Yes, you can renew online every year or choose multi-year policies for extra discounts.
Q: Can senior citizens above 60 buy Care Health Advantage Plan?
A: Yes, there is no upper entry age, making it suitable for senior citizens.
Q: What is the claim settlement process for Care Health Advantage?
A: You can use both cashless and reimbursement options; claims can be made online or at partner hospitals.
Q: Are pre-existing diseases covered immediately?
A: No, there is a waiting period (usually 4 years) before pre-existing illnesses are covered.
Q: How many members can be covered under a family floater plan?
A: Up to 6 family members including spouse, children, and parents.
Q: Is annual health check-up included even if I have claimed during the year?
A: Yes, annual health check-up is available regardless of claim status, depending on policy terms.
Q: How is Care Health different from other companies?
A: It stands out for its large cashless hospital network, unlimited entry age, and customisable covers.
Q: What is the customer helpline for queries or assistance?
A: You can contact Care Health customer care through their website or toll-free helpline for support.
Q: Can I port my existing policy to Care Health Advantage?
A: Yes, portability is allowed at renewal with continuity benefits as per IRDAI norms.
Care Health Official Site
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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.