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Last updated on: August 7, 2025
The Bajaj Allianz Health Guard Family Floater Gold Plan and the Care Advantage Plan are both popular health insurance options for families, but they differ significantly in features and benefits. The Bajaj Allianz Health Guard Gold Plan offers comprehensive coverage for hospitalization, pre- and post-hospitalization expenses, day care procedures, organ donor expenses, and wellness benefits, along with an option to include maternity cover. It is known for its quick claim settlement and wide hospital network. In contrast, Care Advantage Plan by Care Health Insurance provides higher sum insured options at affordable premiums, restoring the sum insured if exhausted, and offers benefits like annual health check-ups and no claim bonus. While Bajaj Allianz focuses on extensive in-built benefits and family-centric coverage, Care Advantage stands out for larger cover amounts, restoration benefits, and premium affordability, making it suitable for families seeking higher protection at a reasonable cost.
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The variety of available family health insurance plans can be daunting in deciding the most suitable plan in India in the year 2025. The Bajaj Allianz Health Guard Family Floater Gold Plan is compared with the Care Advantage Plan by many Indian families. The two plans have many cover benefits though some notable benefits, premiums, and features that are significant in making the home peace of mind.
This article provides the comparative analysis of the details of families in need of the medical protection that will be reliable. You will get easy to get answers, professional insight, and current 2025 and comparison tables, practical example, and practical advice. Let us assist you to make a well-informed choice between these two best rated health insurance plans with confidence.
The Bajaj Allianz Health Guard Family Floater Gold Plan is a superior health insurance policy and provides a cover to the entire family under one policy. It targets primarily the families in the Indian metros or tier I and II cities that worry about the high medical inflation and quality healthcare. The policy provides the option of the sum insured, comprehensive cover and cashless and quick hospitalisation.
The Indian families comprising of members between 3 months and 65 years.
New age nuclear families and traditional joint families.
Cashless treatment in 6500+ hospitals in the network.
Pre and post hospitalisation (60 and 90 days)
Room rent in gold variant is without sub-limits.
Treatments in daycare and organ donors.
Benefits on maternity and newborn babies (following waiting period)
Complimentary health examination once a year.
Did you know?
The merit of the plan is that Bajaj Allianz is a subset of the Bajaj Finserv group, and it has unparalleled financial strength, and its digital approach to claims is trusted by millions in India.
The Care Advantage Plan provided by Care Health Insurance (previously Religare) is a widely used health insurance cover among families that seek to have strong health cover but not at an expensive cost. The plan has a reputation of high sum assured, flexibility in coverage and wellness programs.
Families with members of up to 6 including 2 adults and 4 kids.
Patients and elderly people to 75 years.
Cashless network in 22,800+ hospitals (as of 2025)
Pre and post hospitalisation (60 and 180 days)
Automatic unlimited recharge of sum insured.
Daycare and domiciliary hospitalisation.
Global second opinion with critical illnesses.
Increase in no-claim bonus to 150 percent.
What are the excluded costs in Health Guard Gold or Care Advantage?
Popular exclusions under the two plans are cosmetic surgeries, dental surgeries, injuries caused by criminal acts and pre-existing illnesses within a given time frame.
Full field hospitalization, surgery and pharmacy coverage.
Maternity and newborn (following 3 years waiting period) benefits.
Network diagnostics health checkup annually.
Parents and in-laws coverage.
No room rent cap gold version.
High sum insured of up to Rs 50 lakh option.
Ayush cover Ayurveda, yoga, siddha, Unani, homeopathy cover.
Convalescence benefit (per day cash benefit in case of hospitalisation exceeding defined days)
Bariatric surgery cover
Restoration of sum assured
Expert Insight:
Shock: Read the terms of the policies in detail. It is inadvisable to purchase without checking whether it is covered by restoration benefit and procedures in chronic diseases.
Bigger sum insured (Rs 25 lakh to 1 crore).
No sub-limits on standard treatments (other than optional add-ons)
Health check ups of all insured members annually.
Automatic recharge of sum insured on exhaustion 100 percent.
High-level wellness and online services.
Optional personal accident cover.
No co-payment when people are below 61 years.
Improves on high-tech methods like robot surgery and telemedicine.
Fast unsecured loan through app.
Did you know?
In early 2025, Care Health insurance was ranked as one of the most customer friendly health insurance companies in India in an independent survey among consumers.
| Plan | Bajaj Allianz Health Guard Gold | Care Advantage Plan. |
|---|---|---|
| Sum Assured (in Rs) | 1.5 lakh to 50 lakh | 25 lakh to 1 crore |
| Entry Age | 3 months - 65 yrs | 91 days - 75 yrs |
| Pre-existing Disease | 3 years waiting | 4 years waiting. |
| Maternity Cover | Yes (3 yrs post) | Yes (2 yrs post, Plus variant) |
| Room Rent | No capping (gold) | No capping to SI. |
| Hospital Network | 6500+ | 22800+ |
| Restore Benefit | Up to 100 percent, once | Unlimited. |
| Wellness Benefits | Annual checkup | Annual checkup, wellness rewards. |
| Accident cover | optional add-on | optional add-on. |
| Family Size | Up to 6 | Up to 6 |
| Daycare Procedures | 450+ | 540+ |
| Premium (Indicative*) | Rs 14,000 between 2 adults and 1 child, Rs 10 lakh SI | Rs 13,500 like-cover. |
Predictive of 2025, of a non-smoking, healthy urban family. A case by case situation might vary.
Is Care Advantage cheaper than Bajaj Allianz Health Guard?
The Care Advantage premiums have been a bit competitive in 2025 with higher sum insured slabs, whereas they appear similar with the low and mid sum insured.
Extensive hospitalisation and cover of surgery with very few exclusions.
None of the limitation of room rent in the Gold version.
Rapid digital settlement of claim.
Free annual health check-up
Maternity and selected special covers take longer waiting time than competitors.
Capped amount insured in case you require a cover over Rs 50 lakh.
Hospital network is less than Care.
Pune based homemaker Sangeeta was free to have her mother in-law undergo advanced cancer surgery in one of the leading city hospitals under the Health Guard Gold Plan. She commended the cashless procedure but pointed out the policy did not include a follow up out of state rehabilitation.
Expert Insight:
The absence of the room rent cap in Gold variant is of value to metro/tier I cities, where the costs of private rooms are high.
High sum up to Rs 1 crore, which is best used in case of major medical emergency.
Unlimited restoring and automatic sum insured recharge.
Greater network of hospitals, particularly in smaller towns or travel.
Reduced waiting time on maternity cover on some variants.
Waiting period is 4 years (longer than industry average) on pre-existing diseases.
There are additional or unique covers that are charged.
Wellness benefit structure may be confusing to a new user.
Rakesh 38 IT professional of Noida chose Care Advantage Plan because of no claim bonus and unlimited recharge facility. The treatment of his wife in case of dengue is greater than the sum insured but it is fully covered when the automatic restore option is activated.
Did you know?
Since 2025, Care added more network tie-ups in tier II and III towns, and this benefited families who would like to have cashless hospitalisation but are not in the big metros.
Cashless Hospitalisation: Here the insurer covers the cost of the medical provider at an agreed cost without the need to carry any cash at the time of admission in the hospital.
Sum Insured (SI): The maximum amount of money that may be spent on a policy year. The medical inflation should be reviewed by the family prior to finalising the SI.
Restore/Recharge Benefit: this automatically restores your sum insured once spent within a policy year.
Pre and Post Hospitalisation: This benefit will cover pre and post-hospitalisation expenses such as diagnostics or medicines.
You appreciate the prompt settlement of claim and clear room rent policies.
You desire all daycare and donor cover to the organs.
You are at ease with a maximum sum insured at Rs 50 lakh.
You would prefer high amount insured (up to Rs 1 crore) in major medical risk.
The family members might need to be treated in the smaller cities or in the course of travel.
Would enjoy indefinite reinventing and creative incentives.
What makes me know what plan has a better hospital choice in my city?
Always make sure that you have the most recent hospital lists in your city or state on insurer websites, or go to online marketplaces to get cashless network choices across various insurance providers.
Assess the medical history and health risk of your family.
Choose the amount of sum insured that is desired depending on the city and age of members.
Take into account hospital preference - look what plan is more covered in your area.
Review premium or benefits - consider maternity, newborn and wellness features.
Evaluate ratios of claim settlement and online supporting provided by insurer.
Did you know?
In 2025, the flexibility and transparency of policy upgrades and add-ons can be often easily chosen online either by their own portal or verified comparison platforms through the insurer.
Bajaj Allianz Health Guard Gold Plan is a powerful choice among the urban families who attach importance to convenience, hassle-free claims, and upgraded rooms. Care Advantage Plan is brilliant in its high sum insured, restore benefit and colossal cashless hospital network. Both provide a good coverage, yet your option will depend on the place of residence, amount of sum to be insured, family set up and comfort in paying premium.
Bajaj Allianz Health Guard Gold: Ideal to metro families. Coverage of all major risks, no limit on renting the room, simple claims, up to 50 lakh. Hospital network is decent.
Care Advantage Plan: Best suited to those willing to pay more, have large network, unlimited restore and limited international benefits. Premium increase of middle range with additional cover, shorter waiting time of maternity.
Q1. What is the best family floater to use by the senior citizens?
The two plans offer senior citizen cover. Care Advantage is more entry age (as much as 75 years) when compared to Bajaj Allianz which is up to 65 years. Care Plan includes broader network of hospitals and more recharge opportunities on higher risks of medical care in old age.
Q2. Are maternity plans instantaneous?
No, both the plans have waiting period to maternity cover. The Bajaj Allianz Gold Plan is based on 3 year term, Care Advantage either 2 or 4 years depending on the plan.
Q3. Is it possible to add sum insured later in the case of change in medical requirements?
Yes, the two plans permit progressive upgrades at renewal, on declarations and amended premium.
Q4. What is NCB in Care Advantage?
NCB NCB No Claim Bonus - This is an increase in your sum insured every year that you claim free of charge, to a limit. In Care Advantage, it will be able to achieve 150 percent additional in the long run.
Q5. Which is the best way to purchase the plan: buy it directly when using the company or comparing on a marketplace?
Comparing features, premiums and cashless networks with different insurers through an online marketplace that you can trust will assist you to get the most suitable fit among your family and creates transparency in the choice.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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