Launching Instant Cover Plus in Ultimate Care Senior

• Written by Sejal Singhania

  Reviewed by Nidhi Goyal

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Instant Cover Plus is Here with No-Wait PED Coverage!

Care Health Insurance is launching a new add-on benefit, Instant Cover Plus, under the Ultimate Care Senior plan. 

We recently introduced a powerful new upgrade in our flagship senior plan, Ultimate Care Senior. Now we are presenting Instant Cover Plus, with zero waiting and maximum protection. 

It’s designed to help seniors access their PED-related claims more quickly, so they can get the coverage they need from day one, rather than waiting 3 years with other health insurance plans.

What is Instant Cover Plus?

Under other health insurance plans, pre-existing diseases (PEDs), such as Diabetes, Hypertension, Hyperlipidemia, Asthma, Chronic Obstructive Pulmonary Disease (COPD), Obesity, and Coronary Artery Disease with PTCA done prior to 1 year, usually require a mandatory waiting period. This means that even if you purchase a policy, claims for these conditions won't be eligible until after 3 years of continuous coverage. But Instant Cover Plus has changed it. With this benefit, coverage for PEDs begins on the first day of the policy, enabling you to access coverage for pre-existing diseases from the start.

Why is Instant Cover Plus a Game-Changer for Senior Citizens?

Many senior citizens in India worry about the long waiting periods for pre-existing diseases (PEDs) when buying health insurance. Conditions such as Diabetes, Hypertension, Hyperlipidemia, Asthma, Chronic Obstructive Pulmonary Disease (COPD), Obesity, and Coronary Artery Disease with PTCA done prior to 1 year are prevalent among those over 60. However, even after purchasing a plan, they often face a 3-year wait before they can claim expenses related to PEDs. Here’s how Instant Cover Plus enhances the experience for seniors and their families:

Faster Coverage for PED

There's no need to wait 3 years for Diabetes, Hypertension, Hyperlipidemia, Asthma, Chronic Obstructive Pulmonary Disease (COPD), Obesity, Coronary Artery Disease with PTCA done prior to 1 year, from day one. Seniors will get immediate care without worrying about early medical costs.

Reduce Medical Costs for Families

Pre-existing disease can lead to frequent doctor visits, regular medications, and unexpected hospital stays, all of which can be expensive. Instant Cover Plus protects families from unexpected stress, ensuring treatment remains affordable and does not become a financial burden.

Enhancing Healthcare Access for Seniors

By reducing the waiting period, Ultimate Care Senior makes health insurance more practical and beneficial for the senior citizen. This improvement marks a significant step towards providing faster and more inclusive healthcare support for the elderly population.

Who Should Include the Instant Cover Plus in Their Health Insurance?

Instant Cover Plus is perfect for seniors and families who want PED coverage without a waiting period. If you’re seeking early protection, peace of mind, and easier access to healthcare, this benefit is a strong fit. Here's who needs to add this add-on benefit to their health insurance: 

What Makes Ultimate Care Senior Even More Powerful With Instant Cover Plus?

When combined with Instant Cover Plus, Ultimate Care Senior becomes a robust, future-ready plan for holistic senior care. It continues to offer:

• High sum insured options
• Cumulative Bonus
• Pre- & post-hospitalisation expenses
• Unlimited Automatic recharge
• Loyalty Boost
• Access to 21700+ Cashless network
• Medi Voucher
• Newborn Benefit
• Day-care treatments
• AYUSH coverage
• Domiciliary treatment
• Ambulance cover
• Deductible (reduces the premium cost)
• Smart Select
• Co-Pay (reduces the premium cost)

Also Read: Know more about Ultimate Care Senior

A Promise of Better Care!

When it comes to senior health, every day truly counts. Instant Cover Plus ensures seniors don’t have to wait years for the protection they need. It provides faster access to care, eases financial worries, and offers families peace of mind knowing support is there from day one. This add-on benefit marks a significant advancement, helping us provide more comprehensive and reliable healthcare to India's senior citizens. 

Disclaimers: All plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.