Care

High-Coverage Plan: This policy provides an impressively high coverage for a great price. The only downside is a 4-year waiting period for complications arising from pre-existing conditions like diabetes. Otherwise, it’s nearly flawless.

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whatWeLike What We Like

This section highlights the strengths and benefits of Care Advantage policy by Care. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

You most likely don't have to split the bill

Co-Pay for Claims After Age 61 (20%): If you bought this policy after turning 61, you need to pay 20% of the bill for each claim. Otherwise, the insur...

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You can pick any room you like

Room Rent Flexibility: You can choose any room, whether it's a shared room, single room, or deluxe room, as there are no restrictions on room rent wit...

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Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (60 days/180 days): No worries if the doctor has to run a host of diagnostic tests before or after hospitalizing you. The in...

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Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

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You always have full cover irrespective of the disease

No Disease-Wise Sub-Limits: If your insurer hasn't explicitly excluded an illness, you can claim the full sum insured for any disease, as this policy ...

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Good Restoration Benefit

Multiple Hospitalizations: After a partial claim, the insurer will fully restore your cover for any future hospitalizations within the same year, allo...

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Covers Alternative Medicine

Full Coverage for Alternative Treatments: Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insure...

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whatIsOk What Is Okay

This section outlines the satisfactory but not exceptional aspects of Care Advantage policy by Care. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

Special Bonus for being healthy and not claiming insurance

Sum Insured Increase (10% Annually, Cap at 50%, Claim Reduction): Your sum insured increases by 10% each year as long as you make no claims during thi...

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whatWeDontLike What We Don't Like

This section addresses the limitations and drawbacks of Care Advantage policy by Care. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

Your insurer doesn’t provide free health check-ups

Sum Insured Increase (10% Annually, Cap at 50%, Claim Reduction): Your sum insured increases by 10% each year as long as you make no claims during thi...

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Long waiting period for pre-existing diseases

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

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No coverage if you are forced to hospitalize at home

No Domiciliary Cover: The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. This is known as a pol...

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Long waiting period for pre-existing diseases

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

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No coverage if you are forced to hospitalize at home

No Domiciliary Cover: The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. This is known as a pol...

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No coverage if you are forced to hospitalize at home

No Domiciliary Cover: The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. This is known as a pol...

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Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Care Advantage in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Care Advantage Plan is designed to offer enhanced health coverage with a higher sum insured, ideal for those seeking comprehensive protection.

Yes, pre-existing conditions are covered after a waiting period of 36 months.

Yes, the plan includes wellness benefits such as annual health check-ups and access to a health coach.

The plan covers hospitalization expenses up to the sum insured, including room rent, ICU charges, and doctor's fees.

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