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
Covered after 2 years from the policy start date
Room Rent Limit
Twin Sharing Room
ICU Charges
Covered upto 2% of sum insured per day
Cumulative Bonus
10% of Sum Insured per year, max up to 50% of SI;
Organ Donor
Covered up to Sum Insured
Pre-Hospitalization
Covered upto 30 days
Post-Hospitalization
Covered upto 60 days
Domiciliary Hospitalization
Covered upto Sum Insured, if hospitalization exceeds 3 days
Road Ambulance Cover
Covered upto 1% of SI or ₹5,000 (whichever is lower)
Day Care Treatments
All listed day care procedures are covered up to Sum Insured
Health Check Up
Available from Day 1 for All Insured Members
Co-Pay
50% co-pay till age 70; additional 10% co-pay after age> 70 yrs
Additional Details
Knee Replacement covered up to Rs. 1 lacs per knee
OPD Cover
Optional Cover Applicable with Add-on
AYUSH Treatment
Covered up to Sum Insured
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
Not Covered
Maternity Benefits Limit
Not Covered
New Born Baby Covered
Not Covered
Eye Cover
Not Covered
Restoration Benefit
Not Covered
Daily Hospitalization Allowance
Not Covered
Expenses to Accompanying Person
Not Covered
Baby Vaccination
Not Covered
Dental Cover
Not Covered
Recovery Benefit
Not Covered
Critical Illness Benefit
Not Covered
Worldwide Emergency Cover
Not Covered
Air Ambulance Cover
Not Covered
Permanent Exclusions:
War Related Injuries
Lasik Eye Treatments
Cosmetic Surgery
Administratives Expenses
Drugs or Alcohol Abuse
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.
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
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
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
An add-on cover that offers 3 benefits claim shield, no claim bonus shield and inflation shield
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)
With this add-on benefit, you can reduce the waiting period for specified pre-existing diseases as per the policy terms.
