Care Advantage

Tenure Discount

7.5% for a 2-year policy term; 15% for a 3-year term. Whether it applies to add-on premium as well as base premium is not stated.

Direct Discount

When you buy direct from the insurer, with no intermediary. It is the only row in the discount schedule that states in terms that it applies at renewal as well as at first purchase.

Discount in lieu of commission

On a sale where no intermediary commission is payable. It is a ceiling, so how much is passed back to you is at the insurer's discretion.

Cross Sell Discount (including in lieu of commission)

When an insured person already holds a policy with Care Health and buys this one as well. It is not a discount for porting in from another insurer, and not a discount for staying on at renewal.

Renewal Discount

2.5% if you renew within the 30 days before the premium due date; 5% if you renew 31 days or more before it. Renewing more than a month early earns double the discount of renewing inside the last month.

Corporate GMC policyholder discount

If you are covered under a corporate Group Mediclaim policy and buy this retail policy. No minimum group size is stated.

Family Discount

5% with two or three members on the policy; 10% with four or more. It applies to each additional member other than the eldest, and only where the members hold individual Sums Insured on one policy - not on a family floater.

NRI Policyholder Discount

For a Non-Resident Indian policyholder. Neither document defines who counts as an NRI.

LifeTime Health Score Discount

At each renewal the insurer scores every policy year by the rupee value of claims paid - no claim scores −1, a claim up to ₹1,00,000 scores 0, ₹1,00,000 to ₹2,00,000 scores 1, and so on - and adds the years together. The running total sets the discount: −5 or below earns 40%, −1 earns 30%, 0 earns 7.5%, and 8 or above earns nothing. A new policy starts at −1, so it is priced with 30% off; one claim of any size in the first year takes the total to 0 and the discount to 7.5%.

The 40% aggregate cap is worded to cover only the Schedule of Discounts rows, so whether this discount counts inside that cap is not stated.

No Claim Discount (in lieu of additional Sum Insured)

At a renewal following a claim-free year you may take a flat ₹49 off the base premium on an individual cover, or ₹99 on a floater, instead of that year's No Claims Bonus - which on a ₹25,00,000 Sum Insured would have added ₹2,50,000 of cover. It is available only while the maximum bonus has not yet accrued, and only as many times as the bonus would have accrued; a claim in the previous policy year makes it unavailable.

At each renewal you may take either this discount or the No Claims Bonus, never both. Nothing in either document bars it from stacking with the Schedule of Discounts rows.