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Last updated on: July 25, 2025

Quick Summary

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

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.

Why Should You Choose Care Health Insurance Plan in 2025?

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.

People also ask:

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.

What Are the Key Features of Care Health Advantage Plan?

Care Health Advantage Plan covers a wide range of healthcare expenses. Here are some major highlights:

  • Offers sum insured options from Rs. 3 lakh up to Rs. 25 lakh
  • Covers hospitalisation expenses for more than 16,500 cashless network hospitals
  • No upper age limit for enrolment
  • Lifelong renewability
  • Includes pre and post-hospitalisation expenses
  • No-claim bonus benefit that increases sum insured up to 50 percent
  • Free annual health check-ups for insured persons
  • Covers ambulance charges and organ donor expenses
  • Daycare procedures covered (over 540 procedures)
  • No co-payment clause for policyholders below the age of 61
  • Optional add-on covers like reduction in PED waiting period, and COVID-related covers

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.

What Does the Care Health Advantage Plan Covers?

The core coverage of the Care Health Advantage Health Insurance Policy includes:

  • Inpatient hospitalisation (room rent, nursing, boarding, ICU)
  • Medical practitioner fees and diagnostic tests
  • Pre-hospitalisation (up to 30 days) and post-hospitalisation (up to 60 days)
  • Ambulance cover up to Rs. 2,000 per hospitalisation
  • Daycare treatments that do not require 24 hour hospital stay
  • Organ donor hospitalisation
  • Domiciliary hospitalisation

Additional coverage features:

  • Reduction in pre-existing disease waiting period
  • No claim bonus super for faster sum insured increase
  • Annual health checkup even if claim is made

People also ask:

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.

What Are the Exclusions in Care Health Advantage Health Insurance Plan?

Every health policy comes with some exclusions:

  • Waiting period for pre-existing diseases (usually 3 to 4 years)
  • Standard waiting period for first 30 days except accidental injuries
  • Specific diseases covered after 2 years (like cataract, hernia, joint replacement)
  • Cosmetic surgery and OPD expenses not covered
  • Injuries due to war, self-harm, or substance abuse
  • Non-allopathic treatments unless specified

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.

How Does the Claiming Process Work?

Care Health Advantage Health Insurance Plan offers two ways to make a claim: cashless and reimbursement.

Cashless claim process:

  • Get admitted to a network hospital
  • Show health card and photo ID at hospital desk
  • Hospital submits pre-authorisation request to insurer
  • On approval, bills are settled directly by insurer

Reimbursement claim process:

  • Pay bills at any hospital (network or non-network)
  • Submit original bills, reports, and claim form to insurer
  • Insurer reviews and reimburses the eligible amount

In 2025, insurers are increasingly using digital claim intimation and processing for faster turnaround and transparency.

What Are the Pros and Cons of the Care Health Advantage Insurance Plan?

Pros:

  • Wide coverage for hospitalisation, pre and post care
  • High number of cashless hospitals
  • No co-pay for persons below 61 years
  • Annual health check-up benefit
  • No-claim bonus to boost sum insured
  • Lifelong renewability for continued protection
  • Online policy management and claim tracking

Cons:

  • Standard waiting period for pre-existing diseases
  • Maternity not included by default
  • OPD and dental coverage not comprehensive
  • Some sub-limits on specific expenses like ambulance

People also ask:

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.

What Is the Eligibility Criteria to Claim this Process and How Much It Cost?

Eligibility:

  • Anyone above 5 years can be insured; no maximum entry age
  • Children between 91 days to 5 years can be covered with at least one insured adult
  • No mandatory health check-up till age 45 unless with medical history

Premium Cost:

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 TypeSum InsuredAge 30Age 40Age 50Family (2 Adults + 1 Child)
Individual5 lakh7,2008,95012,60018,900
Individual10 lakh9,30011,10017,95023,800
Family Floater5 lakh---14,800
Family Floater10 lakh---24,500

Premiums may vary based on add-ons, city, and discounts.

Comparison of this Plan with the other Health Insurance Plan 2025:

FeatureCare Health AdvantageStar Health ComprehensiveMax Bupa ReAssureICICI Lombard Complete Health
Entry AgeNo upper limit18 to 65No upper limitNo upper limit
Cashless Network16,500+ hospitals14,000+10,000+8,900+
Daycare Procedures540+600+540+150+
No Claim BonusUp to 50 percentUp to 100 percentUp to 100 percentUp to 20 percent
Maternity CoverWith add-onsIncluded (with sub-limit)Add-onAdd-on
Pre-hospitalisation30 days60 days60 days30 days
Post-hospitalisation60 days90 days180 days60 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.

What are the Factors one should consider Before Buying this Plan?

  • Family health history and sum insured required
  • Presence of senior citizens in your household
  • Your location and network hospital list
  • Waiting periods for pre-existing illnesses
  • Possible maternity needs or OPD cover
  • Portability options for existing policies

People also ask:

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.

What are the Add-Ons and Optional Benefits of this Plan 2025?

Care Health Advantage provides these commonly opted add-ons for extra protection:

  • No Claim Bonus Super: Boosts sum insured faster for every claim-free year
  • Reduction in PED Waiting Period: Lowers waiting from 4 years to 2 years
  • Daily Allowance: Covers incidental expenses during hospital stay
  • Alternate Treatment Cover: Provides Ayurvedic, Homeopathic, and Unani treatment costs

Optional benefits help customise your policy according to your needs.

How to Buy Care Health Advantage Health Insurance Policy Online?

The buying process is quick and simple in 2025:

  • Visit Care Health’s official website or compare health insurance on aggregator platforms
  • Fill out your details: age, family members, city, contact
  • Select sum insured and add-ons
  • Submit proposal and pay premium securely online
  • Get instant policy document on your email

Did you know?
Many online platforms provide up to 10 percent discount for digital purchases and renewal reminders to avoid lapses.

What are the Documents Needed to Purchase or Renewal this Plan?

You usually need:

  • PAN card, Aadhaar card or any photo ID proof
  • Age proof (birth certificate, passport, etc)
  • Recent passport size photo
  • Address proof for KYC
  • Previous health policy details if porting

No medical tests up to age 45 unless declared illness or higher sum insured chosen.

People also ask:

Q: Can this policy be renewed yearly?
A: Yes, you can renew online every year or choose multi-year policies for extra discounts.

Quick Recap (TLDR):

  • Care Health Advantage is a leading health insurance for Indian families in 2025.
  • Covers hospitalisation, pre and post-hospital care, annual health checkups, and more.
  • Offers sum insured options from Rs. 3 to Rs. 25 lakh and covers all ages.
  • Cashless claim facility at 16,500 plus hospitals.
  • No co-pay for insured below 61 years and easy portability.
  • Waiting periods on pre-existing diseases and some exclusions apply.
  • Online purchase, renewals, and claims are streamlined.

People Also Ask: Care Health Advantage Insurance FAQ

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.


Sources:

Care Health Official Site

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👍 26 people found this helpful
Ratings and reviews
4.1 ★ ★ ★ ★ ☆
( 26 RATINGS )
5 ★
(12)
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(6)
3 ★
(6)
2 ★
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1 ★
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Instant Policy Issuance
★★★★★

I got my health insurance policy within minutes after payment. Everything was smooth and fully online. Very impressed!

Meena K 1 day ago
Great for Family Plans
★★★★★

I took a family floater plan through Fincover. Covered my whole family under one premium. Very useful.

Suresh N 3 days ago
Helpful Plan Comparison
★★★★

Comparing plans was quick and easy. The filters made it simple to choose what suited me best. Saved me time.

Harish R 3 days ago
Claim Filing Was Easy
★★★★★

I was nervous about filing a claim but Fincover’s guide helped a lot. Process was much easier than expected.

Megha S 4 days ago
Hospital Filter Needs Work
★★★

I had to go to the insurer’s site to check hospital network. The Fincover search wasn’t detailed enough.

Jyoti P 5 days ago
Claim Tracking Needs Work
★★★

The claim took longer than expected and tracking progress online wasn’t clear. The rest of the process was fine.

Sanjay D 1 week ago
Smooth and Fully Digital
★★★★★

Bought my policy in just a few clicks. No calls, no forms — loved how fast and digital everything was.

Naveen K 1 week ago
App Would Be Great
★★★

The site works well but a mobile app would make things easier. Hope it's coming soon.

Anil R 1 week ago
Claim Steps Confusing
★★

Claim process wasn't clearly explained. I had to call support multiple times to understand the next steps.

Sheetal V 10 days ago
Easy for Senior Plans
★★★★★

I used Fincover to buy a policy for my mother. It was easy to filter senior citizen plans. Helpful and clear.

Radha N 2 weeks ago
Saved Me Money
★★★★★

I compared multiple plans and found one with better coverage for less premium. Great platform for saving money.

Rajeev M 2 weeks ago
Confusing OPD Details
★★

I assumed OPD cover was included, but it wasn’t. Would be better if OPD benefits were clearly labeled.

Vinod P 2 weeks ago
Time-Saving Comparison
★★★★

I compared 5 policies in under 10 minutes. Really fast and helpful tool.

Tanvi D 2 weeks ago
Quick Renewal Process
★★★★★

Renewed my existing policy in less than 5 minutes. No issues at all — fully digital and simple.

Kiran B 3 weeks ago
Policy Docs Took Time
★★★★

The policy was issued quickly, but the documents arrived on email after 2 days. Expected them sooner.

Kanchana R 3 weeks ago
Pre-Existing Not Covered
★★★

Disappointed to see pre-existing conditions aren’t covered for the first 2 years. This should be more visible.

Lokesh N 3 weeks ago
Limited Insurer Choices
★★★

Couldn’t find all the insurers I was expecting. Hope they add more options soon.

Deepak J 1 month ago
Beginner-Friendly Interface
★★★★

I’m new to insurance, and Fincover made it easy to compare and understand each plan. Great for first-timers.

Reema S 1 month ago
Ideal for Salaried Buyers
★★★★

Fincover offers solid options for salaried people like me. The plans matched my work benefits and budget.

Imran H 1 month ago
Responsive Chat Support
★★★★★

The live chat helped me choose between two plans. All my questions were answered clearly and quickly.

Devika L 1 month ago
Smooth Payment Flow
★★★★★

Paying online was hassle-free. Got instant confirmation and no extra calls. Loved the simplicity.

Haritha M 1 month ago
Great Post-Purchase Support
★★★★★

The team called me after I bought the policy to ensure I got everything. They even explained the benefits again.

Yusuf Q 1 month ago
Quick Support Response
★★★★★

I had a premium-related query and the team responded within 10 minutes. Very helpful and polite support.

Zoya F 2 months ago
Policy Info Needs Simpler Terms
★★★★★

I found it hard to understand some terms like room rent limits and co-pay. It would help to simplify that.

Mohit T 2 months ago
Maternity Add-On Info Missing
★★★

I was looking for maternity coverage but the plans didn’t show add-on details clearly. Needs better labeling.

Shweta K 2 months ago
Good User Experience
★★★★

Compared many plans across sites and Fincover felt the easiest. All the details were in one place.

Karan P 2 months ago
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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.

Who is the Author?

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.

How is the Content Written?

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.

Why Should You Trust This Content?

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.

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