Care Health Insurance Limited
Care Advantage
Care Health value-segment plan with comprehensive optional benefits
UIN CHIHLIP24183V032324We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹1 cr
Claim settlement (CSR)
99%
PED waiting
36 months
Specific disease wait
36 months
Mandatory co-pay
0%
Room rent prop. ded.
No
Pre / post hosp.
30 / 60 days
Network hospitals
22,000+
Free look
15 days
What this plan does well
- Care Health value-segment — multiple optional benefits to customize
- Single Private AC Room (Care Health portfolio default)
- All standard Day Care procedures
- Modern Treatments up to SI
- Care Health 22K network (industry leading)
- Best Claims Service Leader 2024
- PED waiting 36mo (industry standard, vs Care Classic 48mo)
- Day care up to SI
Watch out for
- Specific disease waiting up to 36 months — LONG
- Pre/Post default only 30/60 (vs ManipalCigna ProHealth 60/180 / Niva Bupa Senior First 60/180)
- AYUSH only via Optional Cover (not base)
- Organ Donor only via Optional Cover
- OPD only via Optional Benefit
- Maternity only via Optional Cover
- 20% senior co-pay (61+) per Care Health portfolio standard
- Free Look 15 days
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.