+ of two char is arithmetic addition, not string concatenation. You have to do something like "" + ca + cb, or use String.valueOf and Character.toString methods to ensure that at least one of the operands of + is a String for the operator to be string concatenation.
If the type of either operand of a + operator is String, then the operation is string concatenation.
Otherwise, the type of each of the operands of the + operator must be a type that is convertible to a primitive numeric type, or a compile-time error occurs.
As to why you're getting 195, it's because in ASCII, 'a' = 97 and 'b' = 98, and 97 + 98 = 195.
This performs basic int and char casting.
 char ch = 'a';
 int i = (int) ch;   
 System.out.println(i);   // prints "97"
 ch = (char) 99;
 System.out.println(ch);  // prints "c"
This ignores the issue of character encoding schemes (which a beginner should not worry about... yet!).
As a note, Josh Bloch noted that it is rather unfortunate that + is overloaded for both string concatenation and integer addition ("It may have been a mistake to overload the + operator for string concatenation." -- Java Puzzlers, Puzzle 11: The Last Laugh). A lot of this kinds of confusion could've been easily avoided by having a different token for string concatenation.
See also