What is the Eligibility Criteria for Care Advantage?

The minimum entry age to opt for Care Advantage is: 5 years for individual, 91 Days with at least 1 member of age 18 years or above, for floater policy. There is no upper age limit for enrolment and no age limit for exit.

Why You Should Opt for Care Advantage?

Care Advantage by Care Health Insurance (formerly known as Religare Health Insurance Company Limited) is a comprehensive health policy with high sum insured of 1 Crore, 50L, and 25L. It is beneficial as it offers adequate coverage for various medical expenses, such as hospitalization expenses, pre and post hospitalization medical expenses and daycare treatment. It also offers tax benefits for the policyholder.

Can I Buy Care Advantage without a Medical check-up?

As per the policy terms and conditions, No pre-policy medical check-up is required if no pre-existing declared for a person up to 50 years of age. For persons above the age of 51 years, there are specified medical tests, and the policy will be issued basis under tele writing.

How to Calculate Health Insurance Premium?

Premium is a pre-decided amount of money paid by the policyholder periodically towards a health insurance policy. It is decided based on several factors such as age, type of coverage, amount of coverage, health conditions, etc. Using a health insurance premium calculator, a tool designed to accurately calculate the premium, you can calculate the premium amount.

1 Crore Health Insurance: Buy Medical Insurance with 1 Cr Coverage @₹44/Day*

Features of 1 Cr Health Insurance Plan

Imagine having to see a loved one struggling with a disease that has limited treatment options available in your home country. Now think of the relief you might feel if you knew you could avail yourself of the best treatment abroad without selling off all your earnings!

Yes, Care Health Insurance’s Care Advantage provides both domestic and global coverage per the policy terms.

Global coverage is an add-on in the plans with 25L, 50L, and 1Cr sum insured, whereas in the sum insured options 2 Cr, 3 Cr, and 6 Cr, global coverage benefits are an in-built feature of the policy.

Mentioned below are some of the features of 1 cr family health insurance.

Key Feature	Coverage Detail
In-patient Expenses	Up to the Sum Insured
Daycare Treatment	Up to the Sum Insured (A list of 541 Daycare procedures are covered)
Pre Hospitalisation Expenses	60 days before hospitalisation in India
Post-Hospitalisation Expenses	180 days after getting discharged for a treatment taken in India
Organ Donor	Up to the Sum Insured
AYUSH	Up to the Sum Insured
No Claim Bonus	10% increase in sum insured for every claim-free year, maximum up to 50%
Automatic Recharge	The policy replenishes the coverage amount up to the sum insured once a policy year
Co-payment/ Capping	N/A
Tax Benefit	You can avail of tax benefits up to ₹75,000 under Section 80D

What is Covered Under 1 Crore Health Insurance?

When offering a 1 cr health insurance policy, Care Health Insurance aims to ensure that the customer understands the coverage and the workings of the policy clearly.

Underlying are the coverage benefits and their definitions for your better understanding of the plan.

In-Patient Hospitalisation: The 1 Crore health insurance for the family offers coverage up to the sum insured for the costs incurred for hospitalisation, room rent, nursing charges, doctor visits, medication, etc., if the insured member is hospitalised for more than 24 hours.

Daycare Treatment: The plan offers coverage of up to the sum insured for daycare treatments requiring less than 24 hours of hospitalisation. Treatments such as dialysis, chemotherapy, and cataract surgeries are examples of daycare treatments covered in our 1 crore medical insurance.
Pre-hospitalisation: The expenses incurred in doctor’s consultations, medication, diagnosis, and treatment before hospitalisation are known as pre-hospitalisation expenses. The 1 cr health insurance covers these expenses for up to 60 days before hospitalisation.
Post-hospitalisation: The expenses incurred for doctor’s consultations, diagnostic tests, medications, etc., for the same illness for which the insured was hospitalised are covered for up to 180 days after the date of discharge.

Ambulance Cover: The incurred cost is covered if an insured member requires a domestic road ambulance in a medical emergency. The coverage may vary based on the policy terms.
Organ Donor Cover: If an insured member must undergo an organ transplant, the donor's surgery cost shall be covered under the 1 Cr health insurance plan. The coverage shall be offered as per the policy terms.
No Claims Bonus(NCB): For every claim-free year, our health insurance of 6 Cr raises a cheer by adding a 10% No Claim Bonus to the sum insured upon policy renewal. This bonus increases your sum insured up to a maximum limit of 50%. The bonus can be claimed for treatments within India only.
Automatic Recharge: You do not have to worry about paying out of pocket upon consumption of your insurance coverage before the end of a policy year! With automatic recharge in our 1 Cr medical insurance, the policy revives the exhausted coverage up to the base policy sum insured once a policy year.
Unlimited E-Consultations: With a 1Cr health insurance plan, you can access unlimited e-consultations with general physicians from the Care Health Insurance mobile app.
AYUSH Treatment: Certain ailments may have better treatments available in Ayurveda, Unani, Siddha, or Homeopathy than in modern medicine. Therefore, the 6 Cr health insurance offers Alternative treatment coverage of up to the sum insured if the insured person is hospitalised for more than 24 hours in an AYUSH-certified clinic.
Global Coverage: Our 1 Cr family health insurance offers coverage if you wish to receive treatment in a foreign country. With the sum insured options of 25L, 50L, and 1Cr, the add-on policy of Protect Plus offers coverage for planned treatments as per the policy terms. Similarly, with 2 Cr, 3 Cr, and 6 Cr, all planned and unplanned medical emergencies in a foreign country are covered as per the policy terms.

The mentioned definitions are for information purposes only. Please carefully refer to the policy documents to get details on the scope of coverage.

What is Not Covered Under 1 Cr Health Insurance

With the 1 Cr health insurance plan by your side, you can be assured of getting the most comprehensive coverage; however, there may still be specific exclusions that you must know to avoid claim rejections. The exclusions of the policy are:

Expenses incurred due to suicide/ attempted suicide, self-inflicted injuries, etc., are not covered under the 1 Cr health insurance plan.
Slow-growing diseases, planned surgeries, or medical events occurring within 30 days of the policy start date.
Expenses arising out of or attributable to alcohol or drug use/misuse/abuse.
Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion, and its consequences.
Tests and treatments relating to infertility and in vitro fertilisation.
War, riot, strike, nuclear weapons-induced hospitalisation.
External Congenital Diseases

Please review the policy terms and conditions to get a detailed idea of the exclusions of 1 Cr medical insurance.

Tax Benefits Under 1 Crore Medical Insurance

A Health insurance policy covers your medical expenses and 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 up to ₹75,000 in a financial year for the premium you pay towards the policy.

To make the tax deduction simpler for you to understand, below is an illustrative table:

Category	Amount of premium paid		Deductions available under Section 80D
Category	Self, family, and children	Parents	Deductions available under Section 80D
Individuals and their parents who are below 60	₹25,000	₹25,000	₹50,000
Individuals and their family who are below 60, but parents are above 60	₹25,000	₹50,000	₹75,000

Claim Settlement Process for 1 Crore Health Insurance Policy

In case of emergency hospitalisation, reach out to our customer support team and inform us within 24 hours of your admission to the hospital. In case of planned hospitalisation, inform us 48 hours prior to admission.

Cashless Hospitalisation Claim Process

Submit the duly filled and signed pre-authorization form to the hospital insurance desk.
Our claim management team will send an approval letter.
If required, a query might be raised from the side of our claim management team.
After the approval, your bills will be directly paid to the hospital.

Reimbursement Claim Process

Submit the duly completed and signed Health Insurance claim reimbursement form along with all the required documents:
You are required to submit the following documents:
- Valid photo-id proof
- Medical certificate issued by the hospital/doctor
- Original bills, receipts, and discharge form issued by the hospital/doctor
- Other documents, as requested by the insurer
Our claim management team may raise a query if required
The claim management team will send an approval letter
We will communicate in case of any rejection.

Exploring the Add-Ons and Benefits in a 1 Crore Health Insurance Plan

The Health Insurance of 1 Crore Sum Insured offered by Care Health Insurance, comes with several optional benefits to help you customise your plan as per your unique needs. Read further to get a basic understanding of add-ons in our 1 crore health insurance policy.

No Claim Bonus Super: This add-on in Care Health Insurance’s 1 crore medical insurance rewards you with a 50% increase in coverage for every claim-free year. Your coverage increases maximum up to 100% with NCB Super.
Care Shield: The comprehensive Care Shield makes Care Advantage one of the best 1 cr health insurance. This add-on comes packed with three distinct benefits as mentioned hereby.

Claim Shield: With claim shield, you get covered for expenses incurred in utilising a list of 68 non-payable items during a hospitalisation. The items may include gloves, oxygen mask, PPE kit, etc.
No Claim Bonus Shield: Generally, a bonus gained due to no claims made; gets affected (or eliminated) if you file a claim in the preceding years. So, with the No-claim Bonus Shield under 1 cr medical insurance, your bonus remains unaffected by the claims made if the claim amount remains <25% of the Sum Insured during the policy year.
Inflation Shield: The inflation shield protects your base premium from increasing year on year upon renewal as per standard terms.

Air Ambulance Cover: The air ambulance cover add-on comes in handy if the insured person is required to be shifted from one hospital to another as per the doctor’s written advise.
Room Rent Modification: The room rent modification add-on under 1 cr health insurance helps you reduce your premium by limiting your room coverage limit to the most economical “Single Private AC Room”.
Smart Select: The Smart Select add-on reduces your premium by limiting the access to network healthcare providers to a restricted smart select network. In return, you promise to pay a 20% co-pay if you take treatment out of the smart select network hospitals.
Protect Plus: The protect plus add-on policy offers global coverage for planned treatments as per policy terms.
Annual Health Checkup: With the Annual health check-up add-on, you can avail one cashless full-body checkup for each insured member at one of the company’s network labs.
Care OPD: Generally, a health insurance does not cover OPD visits in a plan. However, with the add-on of Care OPD under 1 Cr health insurance, you can avail of up to 8 OPD consultations (4 with General Physicians+ 4 Specialised doctors) for each insured member as per policy terms.
Reduction in PED Wait Period: Serving long waiting periods for pre-existing disease might be bothersome. Therefore, with the PED reduction benefit under 1 Cr health insurance, you modify your PED waiting period from 36 months to 24 months or 12 months.

Please note that the add-ons of the 1 cr health insurance do not apply in the global coverage benefit. To understand the coverage terms refer to the policy documents first.

1 Crore Health Insurance Premium: Is It Worth It?

A 1 cr health insurance plan not only comes with a high sum insured for medical emergencies, but also offers vast benefits be it advanced technology methods or global coverage for planned treatments!

You can calculate the health insurance premium for your 1 cr health plan by visiting the website and entering your details in a few clicks.
Typically, 1 crore health insurance monthly premium for an individual (24), in a zone-2 city, for a sum insured of 1 crore comes out as 1,066/ month.
So, it is needless to mention that a coverage of 1 crore at a premium of just 1,066/month is undoubtedly worth it!

Common Myths About 1 Crore Health Insurance Plans Debunked

Several myths surround 1 crore health insurance plans. Let’s read and debunk a few below.

Younger Individuals Don’t Need a 1 Crore Health Insurance Policy

The foremost myth about a 1 crore health insurance is that younger individuals who are less prone to ailments do not need health insurance. However, the rise in health issues among the young generation highlights the need for health insurance for all ages!

Additionally, health insurance can help you save on taxes and attain bonuses for exhaustive coverage in times of need.

You Get Covered As Soon As You Get the Plan.

The coverage effectiveness varies from insurer to insurer, even for the most comprehensive 1 cr health insurance plans! At Care Health Insurance, coverage for accidents starts at midnight of the policy purchase. There’s a 30-day initial waiting period for seasonal and fresh ailments, a 24-month waiting period for specified ailments, and a 36-month waiting period for pre-existing conditions.

The other coverage criteria may vary based on the policy terms and at the underwriter’s discretion.

Online Plans Can be Misleading

Purchasing 1 crore health insurance online can only be misled if you don’t make a careful purchase. Be sure to check the insurer's official website, refer to the policy documents to understand the coverage and exclusions, and make payments through secure payment gateways. You can easily avoid fraudulent activities when purchasing your 1 crore health insurance plan online.

Hiding Pre-existing Diseases Doesn’t Make a Difference

People are always convinced to hide their current medical conditions to get a few thousand off on their existing health conditions.

Whether you purchase health insurance of 1 cr sum insured or any other sum insured, you must never hide your current medical issues as this may affect the claims made during the policy year.

1 Crore Health Insurance Plan

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Tax Benefits Under 1 Crore Medical Insurance