Care Advantage

• High Sum Insured options upto Rs. 1cr at affordable premium.
•  No room rent capping (no sub-limit)
• Upto 150% increase in Sum Insured with NCB & NCB Super*
• Automatic recharge of Sum Insured
• Road Ambulance and Organ Donor  cover up to Sum Insured
• Tax benefits under section 80D of IT Act 1961#

• Minimum entry age –
  • 5 years in case  of Individual Policy
  • 91 days in a family floater with one member age >=18 years
•  Maximum entry age: No upper age limit for enrolment (maximum entry age for child is 24 years).
• Lifelong renewability
• Co-payment 20% per claim, where age of insured / eldest member is 61 years or above
• Initial waiting period of 30 days  for any illness ( except accidental injury)
• 24 months waiting period for named ailment
• 48 months waiting period for pre-existing disease

• Any item or condition or treatment specified in list of non-medical items
• Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded
• Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured.
• Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving.
• Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent
• Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide).
• Treatment for alcoholism, drug or substance abuse or any addictive condition and consequences thereof
• Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion.
• Treatment of any external congenital anomaly, illness or defects or anomalies or treatment relating to external birth defects
• Tests and treatment relating to infertility..
• War, riot, strike, nuclear weapons induced hospitalization

* For 5 consecutive claim free years by using No Claims Bonus (NCB) & No Claims Bonus Super (Optional Cover). Incremental increase every year is applicable on base Sum Insured. If a claim is made in any particular year, accrued NCB and NCB-Super will be reduced at the same rate at which it is accrued.