Ultimate Care Senior: Best Health Insurance For Senior Citizens!

• Written by Sejal Singhania

  Reviewed by Ritika Malik

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Growing older is a beautiful journey, filled with cherished memories, wisdom, and stories worth sharing. However, this stage of life often comes with evolving health needs and unforeseen emergencies. That's why ensuring your well-being in your 60s and beyond is more important than ever.

To help you enjoy your golden years without worries, Care Health Insurance is excited to introduce its new plan, Ultimate Care Senior. This specially designed health insurance offers you comprehensive coverage, peace of mind, and financial security. Let's take a moment to explore how this senior health insurance plan provides complete protection when it matters most.

Ultimate Care Senior: Your Shield in Golden Years!

After a lifetime of caring for others, it's time for seniors to get the ultimate care they deserve!

Ultimate Care Senior is a dedicated health insurance plan specifically designed for senior citizens, typically aged 60 and above. It offers extensive medical coverage for age-related illnesses, hospitalisation, and serious health issues, providing financial security against unforeseen medical costs. The plan typically includes benefits such as cashless hospital treatment, regular health check-ups, and coverage for pre-existing conditions after a specified waiting period, making it easier for seniors to access quality healthcare without the added stress of financial burden. It’s a health insurance plan designed to let you enjoy your golden years with peace of mind.

Ultimate Care Senior Benefits You Cannot Miss!

Your senior years should be about enjoying every moment, not stressing over health issues. With Ultimate Care Senior, you receive benefits that support your health, financial stability, and peace of mind, allowing you to enjoy this special time fully. Some of the benefits of senior health insurance are:

• High Sum Insured Options: Select coverage options ranging from Rs 5 Lakhs to Rs 1 Crore to meet your health and financial requirements.
• Ambulance Cover: Covers transportation costs via road or air ambulance during emergencies.
• Cumulative Bonus: Earn up to 50% of the Sum Insured for each claim-free year, with a maximum of 100%.
• Unlimited Automatic Recharge: Ensure you never run out of coverage by offering unlimited automatic recharge up to the insured limit.
• Loyalty Boost: Earn 2 times the base sum insured after 7 consecutive claim-free policy years.
• Medi Voucher: Receive 2 pharmacy vouchers worth ₹250 each for medicines.
• Newborn Benefit: Offers coverage for your newborn once the waiting period is over.

Other Benefits

This health insurance policy offers additional benefits designed to support senior citizens during their jubilee years. Some of these include:

• In-Patient Care: Provides comprehensive coverage for hospitalisation costs, ensuring peace of mind during medical treatments.
• Day Care & Advanced Treatments: Coverage for treatments requiring hospitalisation for less than 24 hours, such as cataract surgery, chemotherapy, dialysis, and stone removal, is included, enabling access to advanced treatments without extra charges.
• Cashless Treatment: You can get treatment at more than 21,700 cashless hospitals across India without any concern about paying bills. 
• Pre-and Post-Hospitalisation Expenses: Covers medical costs up to 60 days before hospital admission and covers medical bills up to 90 days following discharge.
• AYUSH Treatment: Includes alternative treatments such as Ayurveda, Yoga, Unani, Siddha, and Homoeopathy.
• Domiciliary Hospitalisation: Obtain coverage even when treatment is taken at home due to medical necessity.

NOTE: These benefits go beyond your base coverage, helping to keep your golden years healthy, secure, and stress-free.

Enhance Your Senior Mediclaim Benefits with Add-ons!

Why opt for basic cover when you can do more? Enhance your Ultimate Care Senior plan with add-ons that expand your benefits and protect your health from every angle. Some of the  add-on benefits of the Ultimate Care Senior may include:

• Infinity Bonus: Get a 100% bonus of Sl each year added to your basic coverage, claimable unlimited times with continuous renewal.
• Premium Payback: The first year’s base premium is refunded if no hospitalisation claims are made in five consecutive Policy Years.
• Unlimited Care: Become eligible for a one-time, unlimited claim with no maximum limit during the entire policy period.
• Unlimited E-Consultations: With our Care Health Mobile app, you can enjoy unlimited e-consultations with general physicians. 
• Instant Cover: This benefit waives the usual waiting period for pre-existing conditions, including diabetes, Hypertension, Hyperlipidemia, Asthma, Obesity, and Coronary Artery Disease (PTCA performed within the last year). 
• Claim Shield: This benefit covers non-payable items, such as gloves and masks, up to the insured sum, as listed in Annexure I (Lists I-IV).
• PED Wait Period Modification: This feature allows you to shorten the wait period to 1 or 2 years for certain pre-existing conditions.
• Outpatient Consultation: Consultations with General Physicians and Specialists are covered up to Rs 5,000 per insured person, with a maximum of Rs 500 per consultation.
• Annual Health Check-up: Get cashless health check-ups for the listed tests at Network labs once per policy year for all insured members.

How is Ultimate Care Senior Different From Other Senior Insurance Policies?

As we discussed above, choosing the Ultimate Care Senior plan offers you tremendous benefits, including peace of mind, full coverage, and financial stability. If you’re still wondering whether it’s the right choice for you, here are the main reasons to consider investing in this plan rather than other senior health plans:

• Flexible Coverage with Affordable Premiums: Choose from various sum insured options to tailor your healthcare coverage to your needs and budget. This flexibility ensures you get appropriate coverage without overspending.
• Hassle-Free Documentation: Less paperwork means a faster, smoother experience when purchasing or renewing your policy. This allows you to focus more on your health, without the burden of endless forms.
• Wide Network & Cashless Hospitalisation: Enjoy the convenience of a vast network of over 11,500 hospitals across India that offer cashless treatment, helping to make medical emergencies feel less stressful and more manageable.
• No Medical Check-ups: Enjoy easy enrollment without medical check-ups, making it quick and simple for seniors to obtain coverage. It is designed to be hassle-free and welcoming, ensuring everyone feels confident and cared for throughout the process.
• Extra Benefits for Peace of Mind: These additional perks, ranging from ambulance cover and pharmacy vouchers to newborn benefits, are designed to offer you extra peace of mind and support in any situation.

Ultimate Care Senior isn’t just another insurance plan; it’s a comprehensive health partner for your golden years, offering you freedom, care, and confidence every step of the way.

Tips to Remember When Purchasing a Policy!

Although Ultimate Care Senior provides comprehensive coverage, it’s essential to remember some standard exclusions to prevent surprises in the future:

• Injuries resulting from participation in illegal or hazardous activities.
• Self-inflicted injuries or attempted suicide.
• Expenses for spectacles, contact lenses, or dental treatments that do not require hospitalisation.
• Pre-existing disabilities or medical conditions (as per policy terms).
• Injuries sustained under the influence of alcohol or drugs (for the eligible age group).
• Situations arising due to war, nuclear risks, or natural disasters.

Always refer to the policy terms and conditions for a complete list of exclusions before finalising your coverage. Being informed helps you choose the best plan for your prime years.

Takeaway!

Your golden years should be a time for enjoyment, not worrying about medical bills. With Ultimate Care Senior, you'll receive comprehensive coverage, additional benefits, and peace of mind that truly address your senior healthcare needs. It’s more than just an insurance plan; it’s a promise of care, comfort, and financial security for you and your loved ones. To protect your entire family, consider a family health insurance plan from Care Health Insurance. It helps keep everyone healthy, happy, and worry-free.

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.