Care Health
Care Advantage
- No cap - room covered at actual cost
- 36 months
- Refills 100% of your cover, once a year
The high-cover plan - cover starts at ₹25 Lakh and runs to ₹6 Crore, with the recharge and the bonus you can turn up as options.
PLAN SELECTION
1 plan available with 7 sum insured options
All plans
Care Advantage
What you should know first
At a glance
5 strong5 to watch
What's strong
- Room rent has no cap at all - any room you choose.
- Modern treatments to full Sum Insured - no per-procedure cap.
- Automatic Recharge - full cover back once a year, same illness allowed.
- Cover starts at ₹25 lakh; bonuses stack it to 250% of base.
- AYUSH and road ambulance both uncapped to full Sum Insured.
What to watch
- No consumables cover - 68 listed items deducted, no add-on.
- One claim drops the health-score discount from 30% to 7.5%.
- Premium rises a guaranteed 10% every year from age 60.
- Maternity, newborn and IVF all excluded - no add-on route.
- Pre-hospitalisation only 30 days, and reimbursement-only.
The policy in one card
Sum Insured
Room rent
Non-payable items
Waiting periods
Co-pay and deductible
Restoration
Cumulative bonus
Not covered
One year through this plan
Two hospital bills in year one, on ₹25 Lakh of cover.
| Bill | Care Advantage |
|---|---|
| 1st bill₹7,00,000 | CoveredPaid from Sum Insured ₹7,00,000 |
| 2nd bill₹12,00,000 | CoveredPaid from |
01The ledger
Every feature, decoded
Tell us about your family and health - this list reorders around what matters to you.
Start the 90-second checkBig hospital bills3 of 15 are priority
Your room has no separate limit. The policy states room category eligibility as 'no sub-limit', so any room you take is paid from your Sum Insured with no proportionate deduction.
Coverage detailstap any row to understand it
Room cost limitNo cap - room covered at actual cost
Room upgrade riderAvailable - Downgrade
Minimum Hospitalisation Duration to Qualify (Hours)24 hours
Watch out
The no-limit room holds only while Optional Cover 8 is left out. If you take that premium discount, check your Policy Schedule: the cap becomes a Single Private Room, which the policy defines as the hospital's most basic and most economical single air-conditioned room.
This policy does not cover the hospital's non-medical items. Permanent exclusion 1 makes every entry in Annexure II non-payable, and List I of that annexure alone runs to 68 items - gloves, masks, nebulisation kits, ECG electrodes, unlabelled procedure kits. Those lines on your discharge bill are paid by you.
Coverage detailstap any row to understand it
How it's coveredNot covered
Watch out
No benefit in this policy pays for consumables, so every gloves, mask, syringe and kit line on your discharge bill is paid by you. RMO charges, service charges, surcharges and night charges are excluded on top of that.
Follow-up visits, medicines and repeat tests in the 60 days after discharge are paid up to your full Sum Insured, as long as the hospitalisation claim was admitted and the expenses relate to the same illness or injury.
Coverage detailstap any row to understand it
Coverage Days After Discharge60 days
Expense limitCovered up to full Sum Insured
Day-Extension Rider AvailableYes
Day Modify Options180 days, 270 days, 365 days
Claim Settlement TypeReimbursement Only
Watch out
Sixty days is short for recovery after a heart procedure or a knee replacement, where physiotherapy and review visits often run past three months. Optional Cover 13 can stretch the window to 180 days or remove the day limit.
Cancer & serious illness4 of 10 are priority
If a paid claim uses up your Sum Insured, Automatic Recharge puts the full base cover back once in the policy year, for the same illness or a different one. The refill pays only later claims - it cannot top up the bill that used up your cover. An optional cover makes the refill unlimited.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
What the insurer calls itAutomatic Recharge
RefillsRefills 100% of your cover, once a year
Illnesses eligible for refillCan be used for the same illness or a new one
Activates FromFrom Day 1 (no trigger needed)
Watch out
The recharge is used last - only after your Sum Insured, No Claims Bonus and No Claims Bonus Super are all finished.
The base plan has no extra pool sitting above your Sum Insured. You can buy Additional Sum Insured for Accidental Hospitalization, which adds up to 100% of your Sum Insured over and above it and counts towards what a single bill can be paid. It works only for in-patient care after an accident, and only once in the policy period.
Coverage detailstap any row to understand it
How it's coveredNot covered
Watch out
The extra Sum Insured is spent only after your own Sum Insured is finished, and only for the person who was hospitalised after the accident. An illness claim cannot touch it. It applies once during the policy period. A second accident in the same year draws nothing from this pool, so you are back to your Sum Insured plus any accrued bonus.
Twelve advanced methods - among them oral chemotherapy, robotic surgery, deep brain stimulation, immunotherapy and stem cell therapy for bone marrow transplant - are paid up to your full Sum Insured. Any advanced method outside those twelve is permanently excluded.
Coverage detailstap any row to understand it
Coverage ScopeListed Procedures (standard IRDAI list)
Expense limitCovered up to full Sum Insured
Sub-limit Modification AvailableNo
Watch out
The twelve are the IRDAI standard set, so this is not a narrow list, but it is a closed one. Anything outside the twelve is excluded outright, so a newer technique your doctor recommends may not be payable at all, and you would pay that bill yourself.
Care Advantage does not offer critical illness cover. There is no lump-sum payment on diagnosis of cancer, a heart attack or a stroke - the policy pays hospital bills, up to your Sum Insured. None of the 13 optional covers adds a critical illness benefit.
Coverage detailstap any row to understand it
How it's coveredNot covered
When does my cover switch on?2 of 4 are priority
An illness you already had when the policy started is not paid for until 36 months of continuous cover are complete. Optional Cover 5 cuts that wait to 24 months for extra premium. After the wait, cover applies only to a condition you declared when you applied and the insurer accepted.
Coverage detailstap any row to understand it
Standard Waiting Period (Months)36 months
Coverage Condition After Waiting PeriodCovered if Declared at Policy Start
Portability / Migration Credit Reduces Waiting PeriodYes
Waiting period reductionReducible to 24 months - opt-in Policy Start or Renewal, available to Customer
Watch out
A condition you did not declare when you applied is not covered even after 36 months, because cover after the wait applies only to what was declared and accepted. Leaving a known illness off the form can cost you the whole claim.
Fifteen groups of listed conditions - cataract, all hernias, piles, kidney and gall bladder stones, joint replacement, ENT surgery and more - are not paid for until 24 months of continuous cover are complete. If a listed condition is also pre-existing for you, the longer 36-month wait applies instead.
Coverage detailstap any row to understand it
Waiting Period (Months)24 months
Portability Credit Reduces Waiting PeriodYes
Pre-existing Disease Wait Applies if LongerYes
Accident Claims Exempt from Any Waiting PeriodYes
Waiting period reductionNot reducible
Watch out
The wait applies to the listed conditions even if you develop them after buying the policy, and even if you declared them and the insurer accepted them without a written exclusion.
Planning a baby2 of 3 are priority
Care Advantage does not pay for having a baby. Expenses traceable to childbirth, including complicated deliveries and caesarean sections, are a permanent exclusion, and so are a miscarriage that no accident caused and lawful medical termination of pregnancy. Only ectopic pregnancy is excepted, and it is paid as an ordinary hospitalisation claim. There is no maternity add-on to buy.
Coverage detailstap any row to understand it
How it's coveredNot covered
Watch out
Annexure I's day care list also carries 'Normal Vaginal Delivery and Variants', which reads like cover, but the maternity exclusion is what applies to the claim.
Care Advantage has no newborn cover. The youngest age it insures is 91 days, and only on a family floater; on an individual policy the minimum entry age is 5 years. So a baby's first 90 days carry no cover, intensive care included.
Coverage detailstap any row to understand it
How it's coveredNot covered
Watch out
A baby who needs intensive care in the first 90 days has no cover under this policy, so you pay that hospital bill from your own pocket. Even after the baby is insured, treatment for an external congenital anomaly or an external birth defect stays permanently excluded.
Everyday medical costs2 of 7 are priority
Care Advantage does not cover out-patient treatment. Doctor visits, tests and medicines taken without being admitted are not paid by this policy.
Coverage detailstap any row to understand it
How it's coveredNot covered
In-patient treatment for mental illness is covered like any other illness, up to your full Sum Insured, with no separate cap. The policy defines mental illness and nowhere excludes treating it. Out-patient therapy and counselling are not covered at all, and there is no mental health add-on to buy, so regular sessions are paid by you.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
OPD and therapyIn-patient only, no OPD or therapy
In-patient expense limitCovered up to full Sum Insured
Mental health add-onNot available
Watch out
Out-patient care is where most mental health treatment happens, and this policy pays none of it. Every therapy session and every psychiatrist consultation outside a hospital admission is paid by you from your own pocket.
Worth it if I never claim?2 of 4 are priority
Every claim-free year adds 10% of your Sum Insured as No Claims Bonus, up to 50%. Make a claim and the accrued bonus drops by 10% of Sum Insured at the next renewal. An optional No Claims Bonus Super adds 50% a year on top of that, up to 100% of Sum Insured, and you lose it if you stop paying for that option.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
What the insurer calls itNo Claims Bonus
Bonus growthGrows 10% of Sum Insured per claim-free year, up to 50% of Sum Insured
Requires Renewal Without BreakYes
Eligible Claim TypesBase Coverage Only
Watch out
If you do not renew on or before the end of the policy period, or the end of the grace period, the entire accrued No Claims Bonus is forfeited. On a ₹25,00,000 cover that is up to ₹12,50,000 of extra cover gone.
Optional Cover 3 lets you take a ₹3 Lakh, ₹5 Lakh or ₹10 Lakh deductible in exchange for a lower premium. The amount applies once across all claims in a policy year, not on each claim, and the insurer pays only what is above it. The deductible does not reduce your Sum Insured, and it starts again every policy year.
Coverage detailstap any row to understand it
AvailabilityOffered as an optional feature
Deductible waiverNo waiver option
Deductible Resets EveryPolicy Year
High Deductible Levels Restrict Other BenefitsNo
Deductible Applies to Claims FromIndia Only
Watch out
With a ₹10 Lakh deductible you pay the first ₹10,00,000 of your hospital bills in a policy year from your own pocket. In a year where your claims never add up past that, the insurer pays nothing at all.
0249 illnesses
49 named illnesses wait 24 months accidents from day 1 read by 9 body regions about 4 min
How long you wait, for what
Accidents
Day 1Covered from the first day, with no waiting at all.
Illness, in general
30 daysAfter the first month, ordinary illness is covered.
The listed conditions
24 monthsEach one is then covered, like any other illness.
What you already had
36 monthsConditions you declared when you bought the plan.
Nothing more to prove
60 monthsAfter this, only proven fraud can be held against a claim.
Already diagnosed with one of these? A different rule applies - conditions you already have follow the pre-existing waiting period.
Entire Body
49 ConditionsWaiting Period: 24 months
Eyes, ENT & Thyroid
Cataract
Eye lens clouding (Cataract)
Head & Face
A clouding of the eye lens that makes vision blurry.
The exact words
“Cataract and age related eye ailments”
Section 4.1(a)(ii) · pages 28–29
Glaucoma
High eye pressure (Glaucoma)
Head & Face
Increased pressure inside the eye that can harm vision.
The exact words
“Cataract and age related eye ailments”
Section 4.1(a)(ii) · pages 28–29
Retinal Disorders
Retina problems
Head & Face
Diseases affecting the back screen of the eye which is crucial for seeing.
The exact words
“Cataract and age related eye ailments”
“Age-related macular degeneration (ARMD), Diabetic retinopathy and Retinal vein occlusion.”
Section 4.1(a)(ii) · pages 28–29
Tonsillitis and Adenoiditis
Tonsil and throat swelling
Head & Face
Swollen throat glands that cause pain and trouble swallowing.
The exact words
“Surgical treatments for Benign ear, nose and throat (ENT) disorders and surgeries (including but not limited to Adenoidectomy, Mastoidectomy, Tonsillectomy and Tympanoplasty), Nasal Septum Deviation, Sinusitis and related disorders.”
Section 4.1(a)(ii) · pages 28–29
Otitis Media and Mastoiditis
Middle ear infection
Head & Face
An infection inside or just behind the ear that causes pain.
The exact words
“Surgical treatments for Benign ear, nose and throat (ENT) disorders and surgeries (including but not limited to Adenoidectomy, Mastoidectomy, Tonsillectomy and Tympanoplasty), Nasal Septum Deviation, Sinusitis and related disorders.”
Section 4.1(a)(ii) · pages 28–29
0341 listed
15 never paid 7 paid only if a condition is met 19 in every policy read from all 41 under a minute
Never paid
15 clausesNo waiting period reaches these - the plan does not cover them at all.
Once the treating doctor confirms a vegetative state or brain death and says treatment will not bring recovery, the insurer stops paying for the life support machine. Families meet this clause at the worst possible moment, so it is worth knowing before you need it.
Expenses incurred for Artificial life maintenance, including life support machine use, post confirmation of vegetative state or brain dead by treating medical practitioner where such treatment will not result in recovery or restoration of the previous state of health under any circumstances.
PW p.33 cl.4.2(a)(11)
The insurer can refuse anything it judges above the going rate, or not medically needed at all. It is the widest discretion in the policy and it applies to every claim, so keep the treating doctor's reasoning on the file.
Any treatment or part of treatment or any expenses incurred under this Policy that is not reasonable and customary and/ or not medically necessary.
PW p.35 cl.4.2(a)(25)
Every entry in Annexure II is cut from the hospital bill, and List I alone runs to 68 items: gloves, masks, nebulisation kits, ECG electrodes, unlabelled procedure kits. This plan sells no consumables add-on, so you pay for all of these items from your own pocket. Personal comfort items the policy names, such as television, telephone, cosmetics and toiletries, are struck off the bill as well.
Any item or condition or treatment specified in List of Non-Medical Items (Annexure – II to Policy Terms & Conditions).
Personal comfort and convenience items or services including but not limited to T.V. (wherever specifically charged separately), charges for access to cosmetics, hygiene articles, body care products and bath additives, as well as similar incidental services and supplies.
PW p.33 cl.4.2(a)(1); Lists I–IV at Annexure II, PW p.76–79; PW p.34 cl.4.2(a)(16) · cl. cl.4.2(a)(1), cl.4.2(a)(16)
This plan names 12 advanced procedures and pays them up to the full Sum Insured with no separate cap. Anything outside those 12 is not paid at all.
Expenses related to any kind of Advance Technology Methods other than mentioned in the Clause 3.1.1(iv).
PW p.35 cl.4.2(a)(22); the twelve listed methods at PW p.15–16 cl.3.1.1(iv)
Insurance may not pay for general caretaking. Staying at a facility just to rest is not covered. Hiring helpers for daily tasks like walking or dressing may also be paid from your own pocket.
Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes: i Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving around either by skilled nurses or assistant or non-skilled persons. ii Any services for people who are terminally ill to address physical, social, emotional and spiritual needs.
PW p.30–31 cl.4.1(b)(2)
There is no dental cover for ordinary visits, and dentures and artificial teeth are never paid. Dental work serious enough to need hospital admission is paid, along with six listed dental day-care procedures.
Charges incurred in connection with routine eye examinations and ear examinations, dentures, artificial teeth and all other similar external appliances and/ or devices whether for diagnosis or treatment
PW p.33 cl.4.2(a)(4); day-care dental procedures at Annexure I, PW p.53
Anything you take home and keep is not paid: wheelchairs, walkers, crutches, glucometers, the machine that treats sleep apnoea, an oxygen concentrator for asthma. You pay for these items yourself.
Any expenses incurred on external prosthesis, corrective devices, external durable medical equipment of any kind, like wheelchairs, walkers, glucometer, crutches, ambulatory devices, instruments used in treatment of sleep apnea syndrome and oxygen concentrator for asthmatic condition, cost of cochlear implants and related surgery.
PW p.33 cl.4.2(a)(5)
Routine eye and ear examinations are not paid for, and neither are glasses, contact lenses or hearing aids. Cochlear implants and the surgery to fit them are excluded by name, and this plan writes no accident exception for them. If you need a cochlear implant, you pay for it from your own pocket.
Charges incurred in connection with routine eye examinations and ear examinations, dentures, artificial teeth and all other similar external appliances and/ or devices whether for diagnosis or treatment
Any expenses incurred on external prosthesis, corrective devices, external durable medical equipment of any kind, like wheelchairs, walkers, glucometer, crutches, ambulatory devices, instruments used in treatment of sleep apnea syndrome and oxygen concentrator for asthmatic condition, cost of cochlear implants and related surgery.
PW p.33 cl.4.2(a)(4) and (5) · cl. cl.4.2(a)(4)–(5)
Hormone replacement therapy is excluded, with no medical exception. If a doctor prescribes it for menopause or for any other reason, you pay for it yourself.
Hormone replacement therapy.
PW p.35 cl.4.2(a)(23)
The insurer does not pay for any illness or injury it treats as caused by tobacco, smoking, alcohol, intoxicating drugs or hallucinogens. This is wider than being drunk or on drugs at the time of treatment. If a doctor records that long-term smoking caused your illness, the insurer can refuse the claim. A separate clause also refuses treatment you need because stimulants or depressants that a doctor did not prescribe impaired you.
Any Illness or Injury attributable to consumption, use, misuse or abuse of tobacco, intoxicating drugs, alcohol, hallucinogens, smoking.
Impairment of an Insured Person’s intellectual faculties by abuse of stimulants or depressants unless prescribed by a medical practitioner.
PW p.35 cl.4.2(a)(24); PW p.34 cl.4.2(a)(19) · cl. cl.4.2(a)(24), cl.4.2(a)(19)
Ayurveda, Yoga, Naturopathy, Siddha, Unani and Homeopathy are covered by the AYUSH benefit, which the policy says overrides this clause to the extent the benefit covers. Acupuncture, chiropractic and any system of medicine the policy does not recognise stay excluded, so you pay for them from your own pocket.
Non-Allopathic Treatment or treatment related to any unrecognized systems of medicine.
PW p.33 cl.4.2(a)(12); superseded to the extent of the AYUSH benefit at PW p.20 cl.3.1.7(iv)
Birth defects visible on the outside of the body are not paid, and the plan does not pay for the screening or the counselling either. There is no exception for a newborn. Internal congenital conditions are covered.
Screening, counseling or treatment of any external Congenital Anomaly, Illness or defects or anomalies or treatment relating to external birth defects.
PW p.33 cl.4.2(a)(7)
Treatment for intellectual disability, and for arrested or incomplete development of the mind, is excluded outright. No waiting period ends it and no optional cover restores it.
Treatment of mental retardation, arrested or incomplete development of mind of a person, subnormal intelligence or mental intellectual disability.
PW p.33 cl.4.2(a)(8)
Medical costs for family planning are not covered. This means the policy may not pay for treatments to prevent pregnancy. It also may not pay for treatments to get pregnant.
Expenses related to sterility and infertility. This includes: (i) Any type of contraception, sterilization (ii) Assisted Reproduction services including artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI (iii) Gestational Surrogacy (iv) Reversal of sterilization
PW p.32 cl.4.1(b)(14)
Standard health policies may not cover the costs of pregnancy or childbirth. Normal deliveries and C-sections are excluded. The usual exception is an ectopic pregnancy; where a policy pays maternity as a benefit, its own wording says so.
a Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy; b Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period.
PW p.32 cl.4.1(b)(15)
Paid, but only if…
7 clausesWritten as exclusions, but the policy states a way in. The condition is the whole point.
When it IS paid
Paid when the injection is given as part of In-Patient Care Hospitalisation or Day Care Hospitalisation.
Drugs like Remicade and Avastin are paid only if you are admitted as an in-patient, or if the dose is given as day care. If the same drug is given to you in an outpatient infusion chair, the insurer does not pay for it. These are among the most expensive medicines people claim for.
Remicade, Avastin or similar injectable treatment which is undergone other than as a part of In-Patient Care Hospitalisation or Day Care Hospitalisation is excluded.
PW p.35 cl.4.2(a)(21)
When it IS paid
In a life-threatening situation or following an accident, expenses up to the stage of stabilization are payable - but not the complete claim.
Insurance companies have a list of banned hospitals and doctors. If you go to them, your claim may be rejected. The exceptions are a life-threatening emergency or an accident - and even then the policy pays only up to the point you are stabilised.
Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer and disclosed in its website/ notified to the policyholders are not admissible. However, in case of life threatening situations or following an accident, expenses up to the stage of stabilization are payable but not the complete claim.
PW p.31–32 cl.4.1(b)(8); excluded-hospital list at Annexure III, PW p.80
When it IS paid
Diagnostic expenses that ARE related or incidental to the current diagnosis and treatment stay covered.
Health insurance pays for actual medical treatments. If you stay in a hospital purely for diagnostic tests or scans, the bill may not be covered. There must be an active treatment going on.
a) Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded.
b) Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded.
PW p.30 cl.4.1(b)(1)
When it IS paid
Paid when a medical practitioner prescribes them as part of a hospitalization claim or day care procedure.
General vitamins and supplements are not covered. You may have to pay for them yourself. Insurance may only pay if a doctor strictly prescribes them during a hospital stay.
Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure
PW p.32 cl.4.1(b)(11)
When it IS paid
Paid for reconstruction following an Accident, Burn(s) or Cancer, or as part of medically necessary treatment to remove a direct and immediate health risk - certified by the attending Medical Practitioner.
Surgeries done just to look better are excluded. However, plastic surgery needed after a bad accident may be covered. Surgeries for burns or cancer reconstruction are also covered.
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. For this to be considered a medical necessity, it must be certified by the attending Medical Practitioner.
PW p.31 cl.4.1(b)(5)
When it IS paid
At 7.5 dioptres or worse, the correction is paid.
Surgeries to remove your glasses are usually not covered. They are seen as a cosmetic choice. The policy pays only when your eyesight is very weak - 7.5 dioptres or worse.
Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 dioptres.
PW p.32 cl.4.1(b)(12)
When it IS paid
Paid when your doctor advises the surgery, clinical protocols support it, you are 18 or older, and your Body Mass Index is 40 or more - or 35 or more together with obesity-related cardiomyopathy, coronary heart disease, severe sleep apnoea or uncontrolled Type 2 diabetes, after less invasive weight-loss methods have failed.
The policy pays for weight-loss surgery only when your doctor advises it, you are 18 or older, and your BMI is 40 or more - or 35 or more together with a condition like heart disease, severe sleep apnoea or uncontrolled diabetes. Surgery to change how you look is not covered.
Expenses related to the surgical treatment of obesity that does not fulfill all the below conditions: 1) Surgery to be conducted is upon the advice of the Doctor 2) The surgery/Procedure conducted should be supported by clinical protocols 3) The member has to be 18 years of age or older and 4) Body Mass Index (BMI); a) greater than or equal to 40 or b) greater than or equal to 35 in conjunction with any of the following severe co-morbidities following failure of less invasive methods of weight loss: i Obesity-related cardiomyopathy ii Coronary heart disease iii Severe Sleep Apnea iv Uncontrolled Type2 Diabetes
PW p.30–31 cl.4.1(b)(3)
0415 discounts
11 just for qualifying 4 cost you a co-pay, a deductible, a smaller network or a room cap capped at 40% about 6 min
Just for qualifying11
When it appliesTiming not stated
Printed atProspectus p.22 · Schedule of Discounts row 1
When it appliesPurchase & renewal
Printed atProspectus p.22 · Schedule of Discounts row 2; forfeiture at Policy wording p.40 · Note (i) to 5.1.13
Watch out
Forfeited if you pay the premium in instalments
When it appliesPurchase & renewal
Printed atProspectus p.22 · Schedule of Discounts row 3
When it appliesTiming not stated
Printed atProspectus p.22 · Schedule of Discounts row 4
When it appliesTiming not stated
Printed atProspectus p.22 · Schedule of Discounts row 5
When it appliesRenewal only
Printed atProspectus p.22 · Schedule of Discounts row 6
When it appliesTiming not stated
Printed atProspectus p.22 · Schedule of Discounts row 7
When it appliesTiming not stated
Printed atProspectus p.23 · Schedule of Discounts row 8; illustrated at Prospectus pp.51–52 / Policy wording pp.92–95
When it appliesTiming not stated
Printed atProspectus p.23 · Schedule of Discounts row 9
When it appliesRenewal only
Stacks withThe 40% aggregate cap is worded to cover only the Schedule of Discounts rows, so whether this discount counts inside that cap is not stated.
Printed atPolicy wording pp.101–102 / Prospectus p.56 · LifeTime Health Score Discount
Watch out
Recalculated at every renewal - it can fall as well as rise
When it appliesRenewal only
Stacks withAt 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.
Printed atPolicy wording p.19 · Note to Benefit 5 (3.1.5); Prospectus p.4 · 2.5
In exchange for something4
WorthNot published
When it appliesPurchase & renewal
Stacks withCan be combined with the Co-Payment Option and with Smart Select; on a claim the deductible is applied first, then any co-payment.
Printed atPolicy wording p.22 · 3.2.3; Prospectus pp.5–6 · 3.3; Prospectus p.23 · Notes
In return
You pay the first ₹3 lakh, ₹5 lakh or ₹10 lakh of your claims in a policy year yourself before the cover starts paying.
WorthNot published
When it appliesPurchase & renewal
Stacks withThe 20% is printed as applying "in addition to any other co-payment", so with the Co-Payment Option at 20% as well you would bear 40% of a claim at a hospital outside the list.
Printed atPolicy wording p.23 · 3.2.4; Prospectus p.6 · 3.4; Prospectus pp.41–49 · Annexure IV list
In return
Every claim at a hospital outside that list carries a 20% co-payment from your pocket, on each and every claim, with no emergency exception stated.
WorthNot published
When it appliesPurchase & renewal
Stacks withPrinted as applying "over and above any other co-pay", so it adds to Smart Select's 20% if both are opted.
Printed atPolicy wording p.24 · 3.2.6; Prospectus p.6 · 3.6; Prospectus p.23
In return
You pay your chosen share - 5% to 20% - of every single claim yourself.
WorthNot published
When it appliesPurchase & renewal
Printed atPolicy wording p.26 · 3.2.8; Prospectus p.7 · 3.8
In return
Your room entitlement narrows to a Single Private Room. Take a costlier room and you also bear a proportionate share of the associated medical expenses.
Not offered: an early-bird or first-purchase discount - the only timing discount is for renewing early · a referral discount · Wellness Discount.
05
96.74% claims settled 24,800 cashless hospitals 1.68 solvency under a minute
Care Health
Filed plan · UIN CHIHLIP27062V052627
0610 comparisons
10 comparisons, every clause that differs under a minute
Sources
Everything on this page is read from the insurer’s own filings. It is an educational summary - not advice, not a recommendation to buy, and we sell nothing.
Plan facts last updated 9 Sept 2026.
IRDAI UIN: CHIHLIP27062V052627
2 documents we read this from under a minute