Care Advantage insurance

Care Advantage insurance plan highlights

• Eligibility to buy Care Advantage insurance plan

  Entry Age – Minimum	Individual: 5 Years Floater: 91 days with atleast 1 person of 18 Years or above
  Entry Age – Maximum	Child : 24 Years & Adult : No Age Limit
  Exit age	No Exit age
  Policy Term	1/2/3 Years
  Who are covered (Relationship with)	1. Individual: Self, Legally married spouse, son, daughter, father, mother, brother, sister, mother-in-law, father-in law, grandmother, grandfather, grandson, granddaughter, uncle, aunt, nephew, niece, employee or any other relationship having an insurable interest. 2. Family Floater: Self, Legally married spouse, son, daughter, father, mother, employee and his/her dependents (Legally married Spouse, Children & Parents) or any other relationship having an insurable interest

• Coverages under Care Advantage insurance plan

  Sum Insured (all figs in ₹ INR)	1 crore
  In Patient & Day Care Treatment Expenses	Up to Sum Insured
  Room Rent	No Sub-Limit
  ICU Charges	No Sub Limit
  Pre-Hospitalisation	30 Days
  Post Hospitalisation	60 Days
  Automatic Recharge	Yes, once in a Policy Year
  Ambulance Cover	Up to Sum Insured
  Organ Donor Expenses	Up to Sum Insured
  No Claim Bonus	10% increase in SI per Policy Year in case of claim-free year; Max up to 50% of SI
  Optional benefits
  NO Claim Bonus Super	50% increase in SI per Policy Year in case of claim-free year; Max up to 100% of SI (50% decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCBS)
  Smart Select	No Co-payment for Treatment in SMART SELECT Listed Hospitals Additional Co-payment of 20% on all treatment taken in a NonSmart Select Network Hospital
  Room Rent Modification	Single Private room category

• Benefit Description of Care Advantage Health Insurance policy

  In-patient Care
  Covers hospitalization expenses if the admission for injury/illness in a hospital exceeds 24 consecutive hours.
  
  Day Care Treatment
  Covers more than 540 Day Care treatments.
  
  Room Rent
  Customer is eligible for All Room Category available in a hospital.
  
  Auto Recharge of your Sum Insured
  If due to claims made, you exhaust your health cover, we recharge the entire sum insured of your policy, in the policy year. All this at no extra cost!
  
  Organ Donor
  Covers hospitalisation expenses towards donor in case of major organ transplant if it meets the following conditions.

  • The Organ donor is an eligible donor in accordance with The Transplantation of Human Organs Act, 1994 (amended) and other applicable laws and rules.
  • The Insured Person is the recipient of the Organ so donated by the Organ Donor.
  • Pre-Hospitalization & Post Hospitalization expenses incurred on the Donor are not covered.
  • Any other Medical Expenses in respect of the Donor consequent to the harvesting are not covered.

  Ambulance cover
  Reimbursement of Expenses incurred for necessary transportation of the insured to the Hospital in an ambulance for hospital admission and requiring immediate treatment.
  
  Get No-Claim Bonus
  10% increase in sum insured per Policy Year in case of claim-free year; Max up to 50% of sum insured.