Care Health Insurance-Care Senior

Care Senior

Care Senior

Don’t let age stop you from living life to the fullest. Presenting Care Senior Health Insurance, a comprehensive health insurance plan designed specifically for senior citizens. With us, age is just a number, and your well-being is our priority.

Insurer Highlights

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Claim Settlement

91%

network hospital
Network Hospitals

24800+*

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Starting Premium

Rs.39/day**

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Sum Insured

Up to Rs.10 Lacs

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*Number of Cashless Healthcare Providers as of 31st March 2024.

**Premium calculated for an individual (Age 61) for sum insured 3 Lacs in Zone 3 cities without any additional add-ons

About Care Senior

Health Insurance for Parents, designed for those above 60, is a thoughtful way to ensure their golden years are secure and dignified. This insurance helps manage unanticipated medical expenses without exhausting savings, providing peace of mind and quality healthcare. Care Health Insurance's Care Senior plan is an ideal choice, offering comprehensive protection and benefits. Gift your elders the assurance of a secure future and mental peace with this essential coverage.

Plan Highlights:

Categories Specifications
Sum Insured (SI) Rs. 3, 5, 7, 10 Lacs
Policy Tenure 1/2/3 years
Cumulative Bonus 10% of SI increase per claim free year, max up to 50% of SI;
Initial Waiting Period 30 Days

Plan Eligibility Criteria:

Parameters Criteria
Minimum Entry Age Adult: 61 Years;
Maximum Entry Age Adult: 99 Years;
Exit Age Adult: 99 Years
Cover Type Individual and Family floater
Who are covered Who are covered Individual, spouse and dependent children up to the age of 25 years

Features & Benefits of Care Senior Plan:

Care Health Insurance for Senior Citizens offers a comprehensive range of facilities tailored to the needs of elderly insured individuals. Below is an indicative list of inclusions:


Pre Existing Disease
Pre Existing Disease

Covered after 4 years from the policy start date

Room Rent Limit
Room Rent Limit

Covered up to 1% of Sum Insured

ICU Charges
ICU Charges

Covered up to 2% of Sum Insured

Cumulative Bonus
Cumulative Bonus

10% of Sum Insured per year, max up to 50% of SI;

Organ Donor
Organ Donor

Covered up to Rs. 1 Lacs

Pre-Hospitalization
Pre-Hospitalization

Covered upto 30 days

Post-Hospitalization
Post-Hospitalization

Covered upto 60 days

Domiciliary Hospitalization
Domiciliary Hospitalization

covered up to 10% of Sum Insured

Road Ambulance Cover
Road Ambulance Cover

Covered up to Rs. 2,000 per hospitalization

Day Care Treatments
Day Care Treatments

All listed day care procedures are covered up to Sum Insured

Restoration Benefit
Restoration Benefit

Sum Insured once in a year

Co-Pay
Co-Pay

The insurance policy covers 80% of the claim, with the remaining 20% to be covered by the policyholder.

AYUSH Treatment
AYUSH Treatment

Covered up to Rs. 20,000

Tax Benefits
Tax Benefits

Avail of tax benefits under Section 80D of the Income Tax Act

Exclusion of Care Senior Plan:

It is important to note that the plan may not cover certain illnesses or medical conditions. Here are some diseases not covered under the Care Senior Plan:


Maternity Waiting Period
Maternity Waiting Period

Not Covered

Maternity Benefits Limit
Maternity Benefits Limit

Not Covered

Worldwide Emergency Cover
Worldwide Emergency Cover

Not Covered

Air Ambulance Cover
Air Ambulance Cover

Not Covered

Unlimited E-Consultations
Unlimited E-Consultations

Available for Consultations with General Physicians

Modern Treatment
Modern Treatment

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Permanent Exclusions:


War Related Injuries
War Related Injuries
Lasik Eye Treatments
Lasik Eye Treatments
Cosmetic Surgery
Cosmetic Surgery
Administratives Expenses
Administratives Expenses
Drugs or Alcohol Abuse
Drugs or Alcohol Abuse
Registration Fees
Registration Fees

Add-ons To Cover Your Specific Needs:

Care Health Insurance for senior citizens offers extensive coverage benefits, along with optional add-on riders. By paying a slightly higher premium, you can enhance the Care Senior Citizen plan with these additional benefits for comprehensive protection.


Air Ambulance
Air Ambulance

It covers the cost of availing air ambulance services for up to a maximum of Rs 5 lakh.

Annual Health Check-up
Annual Health Check-up

It offers the insured with the facility of free health check-ups once every year.

NCB Super
NCB Super

NCB Super for additional 100% Increase in Bonus. Accrued bonus amount will decrease on renewal in case of claim in a previous years

OPD Care
OPD Care

The Mandatory Co-payment of 20% on Claims applicable of Insured Person whose age is 61 Years or above shall be waived off.

Smart Select
Smart Select

It provides a premium discount of 15% to the policyholder. However, a co-payment of 20% will apply in case the treatment is taken at a non-network hospital of the insurance company.

Care Shield
Care Shield

An add-on cover that offers 3 benefits claim shield, no claim bonus shield and inflation shield

Co-Payement Waiver
Co-Payement Waiver

It ensures that policyholders above 60 years do not have to pay any co-payment while raising a claim.

Reduction In PED (Applicable with NCB Super add-on)
Reduction In PED (Applicable with NCB Super add-on)

With this add-on benefit, you can reduce the waiting period for specified pre-existing diseases as per the policy terms.

Add-ons are pre-included in the plan

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Compare and buy HEALTH INSURANCE
plan as per your customization

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*Number of Cashless Healthcare Providers as of 31st March 2024.

**Premium calculated for an individual (Age 61) for sum insured 3 Lacs in Zone 3 cities without any additional add-ons