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Health Insurance for 45 and above Age Group

Health insurance for 45 and above is a specially designed insurance meeting the healthcare needs of middle-aged people. It helps them secure adequate healthcare expenses while saving for post-retirement times.

  • Annual health check-up for all insured members
  • Exclusive health insurance plan at an affordable premium
  • Alternative treatments coverage such as AYUSH for sustainable recovery
  • Boost sum insured by upto 150 % with NCB Super







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7.5% OFF

10% OFF


All Members

Care for 45 Plus --- ( --- )

rupee ----

(Premium includes 18% GST)

Base Cover


Additional Covers




Policy Sum Insured increases by 10% for every claim free year. The maximum increase allowed is 50% of policy Sum Insured.


Annual Health Check-Up for all insured members are covered in the policy


Certain amount per hospitaliztion payable if advised by treating medical practioner.


Through this coverage get automatic recharge of your sum insured if claim amount exhausts your coverage limit


You can add additional 50 % increase in Sum Insure for every claim free year. Maximum increase allowed is 100% of policy Sum Insure. Hence with both NCB & NCB SUPER you can increase your Policy Sum Insure upto 150% in 5 consecutive claim free years.


Coverage under this Policy will be available for you for medical expenses incurred for treatment and / or quarantine for Coronavirus disease (COVID-19) with positive confirmative diagnosis from Government Authorized Centre.

Reduction in PED Wait Period

Choosing this optional cover reduces the applicable wait period of 48 months for Claims related to Pre-existing diseases, to 24 months. The claims will be admissible for any Medical Expenses incurred for Hospitalization in respect of diagnosis/treatment of any Pre-existing Disease after just 24 months of continuous coverage has elapsed, since the inception of the first Policy with us.

Copyright. Care Health Insurance(formerly known as Religare Health Insurance Company Limited).

Cover Highlights

Annual Health Check-up

Annual health

Orgon Donor

Organ Donor

Emergency Ambulance

Emergency ambulance

Day Care Treatment

Day care treatments

Post Hospitalization Expenses


Features of Care for 45+

See all Sum Insured Options arrow close

In-Patient Hospitalization
Hospitalization for at least 24 hours
We pay for – room charges, nursing expenses and intensive care unit charges, surgeon's fee, doctor's fee, anesthesia, blood, oxygen, operation theater charges, etc.; If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours.
Hospitalization less than 24 Hours
We cover medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for 24 hours or more. As a matter of fact we cover over 540+ day care procedures.
Upto SI
Day Care
We cover medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for 24 hours or more. As a matter of fact we cover over 540+ day care procedures.
Upto SI
We cover the relevant medical expenses such as investigative tests, routine medication, medications incurred by you up to 30 days before your hospitalization.
30 days
We cover the relevant medical expenses such as doctor consultation, Diagnostic tests, medications etc. incurred up to 60 days post your hospitalization.
60 days
Ambulance Cover
In an emergency, we reimburse expenses incurred by you for availing a domestic road ambulance during your hospitalization.
Upto ₹ 2,000
per hospitalization
Organ Donor
We reimburse you the medical expenses that are incurred by you on the organ donor for organ harvesting operation.
Upto Rs ₹ 1 Lac
Domiciliary Hospitalization
In case hospitalization is not possible , then we cover for medical expenses incurred during your treatment at home for a period exceeding 3 consecutive days.
Up to 10% of SI
Automatic Recharge
If you ever run out of your health cover due to claims made, we will reinstate the entire Sum Insured amount of your policy.
Second Opinion
If you feel uncertain about your diagnosis, you can opt for a second opinion, arranged by us for specified critical illness.
Alternate Treatment
Alternate treatment is only covered if hospitalization exceeds more than 24 hours
Up to ₹ 20,000
No Claim Bonus
We raise a cheer to good health for every year that you don't claim by increasing your Sum Insured by 10%, up to a maximum of 50% in 5 consecutive years.
Annual health check-up
Under this plan, you get Annual health check-up for all insured members, covered as adults, regardless of claims history.
Room Rent
We reimburse expenses occurred while you're staying in a hospital.
Single Private Room
(Max. Up to 1% of SI per day)
ICU Charges
We take care of ICU charges incurred during your hospitalization.
Up to 2% of SI per day
Tenure 1 Yr/2 Yrs/3 Yrs
Treatment of Cataract Up to ₹ 30,000 per eye
Treatment of Total
Knee Replacement
Up to ₹ 1 Lac per knee
Treatment for Ailment like
surgery for all
type of Hernia,etc
  • Surgery for treatment of all types of Hernia
  • Hysterectomy
  • Surgeries for Benign Prostate Hypertrophy (BPH)
  • Surgical treatment of stones of renal system
Up to ₹ 65,000
Treatment for Ailment like
Surgery for Cancer,
bone breakage etc
  • Treatment of Cerebrovascular disorders
  • Treatments / Surgeries for Cancer
  • Treatment of other renal complications and Disorders
  • Treatment for breakage of bones
Up to ₹ 2.5 Lakh

Add-ons to cover your specific needs

Covid care

Covid Care

Covers expenses incurred for treatment/quarantine for (COVID-19) with a confirmative diagnosis from Govt. Authorized Centre.

See Details
Care Shield

Care Shield

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

See Details
No Claim Bonus Super

No Claim Bonus Super

You can increase your sum insured amount by 50% for every claim free year up to a maximum of 100%.

See Details
Reduction in PED Wait Period

Reduction in PED Wait Period

This Optional Cover reduces the applicable PED wait period from 48 months to 24 months.

See Details

OPD Care

An Add-On cover that takes care of expenses incurred on Doctor Consultations, Pharmacy & Investigative Tests

See Details

Care for 45+ Health Insurance Plan

  • Entry age - Minimum

    • Individual : 46 Years

    • Family Floater : 91 days with at least 1 insured member above 45 Years of Age

  • Entry age - Maximum

    • Adult : 60 Years

    • Child : 24 Years

  • Life long Renewability

  • Waiting period name ailment -

    • Named Ailment Waiting Period - 24 months of continued coverage

    • Pre-existing Disease Waiting Period - 48 months of continued coverage

  • Initial Wait Period 30 Days for all Illness except Accidental injury

Kindly refer to Terms & Conditions for detail list

  • Any diagnosis of diseases / undergoing of surgery / occurrence of event, whose signs or symptoms first occur within 30 days of Policy Period Start date.

  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide).

  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse

  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences.

  • Internal congenital disease

  • Tests and treatment relating to infertility and in vitro fertilization.

  • War, riot, strike, nuclear weapons induced hospitalization.

For complete list of exclusions please refer to policy TnC



Intimate within 24 hours of your hospitalization

Planned Hospitalization

Intimate us 48 hours prior to your hospitalization



Request for pre-authorization


Claim from submission

Complete the pre-authorization form available
at the hospitals insurance/TPA Desk and send us through fax.


Approval letter sent by the claim management team


Hospital/Insured to response to the query raised by the claim management team


You may initiate the treatment and file for reimbursement claim

Submission of claim form along with required
documents, as per the policy terms & conditions


Approval letter sent by the claim management team


Insured to response to the query raised by the claim management team


We will communicate the reason in case of rejection


Look for hospitals around you

Detailed Hospital List
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To locate hospitals around you,

Voice of Our Customers

Prafulla Shukla


I had a financial crunch when my wife fell sick and was admitted to the hospital. You helped me in my crisis and saved her.

Jag Pal Singh


Care Health insurance is a saviour. My decision of buying Care for 45+ health plan for myself has been proven a wise decision. Thanks.

Anchal Kaushik


Thank you for helping me when I needed help the most, being in hospital. Buying Care for 45+ health plan is the best decision I have made so far.

Atul Sharma


I have recently bought your Care for 45+ health plan for myself.  It is the most thoughtful plan for those who are at a vulnerable stage of their life. 

Gloria Landge


I always wanted a plan like this for myself and my husband. Thank you, Mr Saurav, for guiding us and helping us throughout to buy this plan.

Ankita Sharma

My appreciation for your prompt service

At the outset, I would like to express my appreciation for your prompt service in taking up the case regarding my claim. I have received timely intimation regarding the acceptance of my claim amount settled by you.

Ankita Sharma

Health Insurance

Indubala Nambiar

We will continue to avail of your scheme

Thank you for settling the claim amount. It helped me a lot during my tough time. The process is smooth and hassle-free. I will continue with Care Health Insurance and recommend it to my friends as well.

Indubala Nambiar

Health Insurance

Vikas Singh

Everything went very smooth

I would like to pass on my appreciation for Virender, who guided me during the difficult time. He helped me at every stage and didn't keep me waiting. Due to his efforts, I was relaxed and everything went very smooth.

Vikas Singh

Health Insurance

Sahil Khattar

Really helpful explaining the process in advance

I just wanted to thank you for the exceptional response from you on the recent cashless hospitalization request related to my mother's operation. You were really helpful throughout.

Sahil Khattar

Health Insurance

Aditya Sharma

Finalising my claim in a short period

I must express my profound appreciation for finalising my claim in a short period. I have heard of insurance companies holding payment or rejecting it outright on very flimsy grounds was not the case with Care health insurance, May your tribe grow more

Aditya Sharma

Health Insurance

Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.

Care Health Insurance

Awarded as Claims
Leader of the year

Care Health Insurance

30 Lakh + Claims Settled^^

Care Health Insurance

Cashless claim processing
in approx. 2 hours

^^number of claims settled as on February, 2022

Care for 45+: An adequate plan to support you in your late 40s

Life is a journey full of ups and downs, twists and turns, and it gets easier if you plan to live a risk-free life with an appropriate backup. If you are 45 or above and wonder whether you need health insurance, let us tell you that this is high time to get it. Health insurance protects you from financial insecurities caused by unexpected illnesses or accidents. So, be smart by opting for a health insurance plan that takes care of your healthcare needs while you age.

Why do you need health insurance in your late 40s?

After being carefree in the 20s and 30s, there come the 40s that make you worried about your health. Aging is natural, but it comes with different chronic diseases and co-morbidities. Due to rising medical inflation, one-time hospitalization and treatment can derail your financials. Therefore, an adequate health insurance cover is imperative to ensure that you get the best medical treatment without worrying about any financial burden. Considering the dire need for health insurance for the 45 and above age group, Care Health Insurance has introduced a new product-Care 45+, for all those who have headed to this age and need a refuge to stay in fine fettle. It is for people at high risk of getting sick in these worrisome times where medical expenses are already touching the sky.

This health insurance plan for 45 or above offers comprehensive coverage with rich benefits that work as a helping hand during your difficult times. It can back you up at the time of medical emergencies, while you have other responsibilities to look after. With automatic recharge up to sum insured for unrelated illnesses, this plan is available at an affordable premium.

Moreover, you can get up to a 150% increase in sum insured with NCB super as a reward to stay healthy under the policy. It doesn't stop here! The facility of annual health check-ups in the policy alarms you for the possibility of any critical illness in the coming future. In fact, all the insured members can avail of this benefit once in a policy year. Additionally, this policy gives you a choice of some optional benefits that increase your policy coverage. It can also be a beneficial investment for tax saving. Under section 80D, the premium paid for this health insurance plan gets tax exemption that saves your health and wealth. So, if you are looking for a comprehensive health insurance policy that keeps you and your family protected from the financial and emotional turmoil that any medical emergency can bring, Care for 45+ is the right choice for you.

Features of Care 45+

Care 45+ is the most comprehensive health insurance that has below distinct features:

  • Exclusive health insurance at an affordable premium
  • Available on an individual and family floater basis
  • Wide range of sum insured ranges from Rs 5 lakhs to Rs 10 lakhs
  • Up to 150% increase in SI with NCB Super
  • Annual Health Checkup for all Insured Members
  • Automatic recharge up to sum insured for an unrelated illness
  • Cover for advanced technology methods like robotic surgeries, HIFU
  • Alternative treatments cover including AYUSH for sustainable recovery
  • Choice of optional benefits to enhance the policy coverage
  • Cashless hospitalization facility in 8350+ network hospitals
  • Tax Benefit Under Section 80D to save more

Benefits of Buying a Health Insurance Plan in the late 40s

Before buying anything, we always prefer to know the benefits before spending on it. Similarly, one should always be aware of what they are getting in their health insurance to keep them safe from unnecessary future problems. Below mentioned are the benefits you can easily reap after buying Care 45+ health insurance:

  • Provides the best financial protection by covering various medical expenses, including in-patient/ daycare hospitalization
  • Extensive coverage for pre and post-hospitalization expenses, ambulance, daycare procedures, and domiciliary hospitalization
  • Wide range of sum insured available under the policy help you to get sufficient coverage as per your and your family healthcare needs
  • Coverage for 6 family members is available under a single policy that eliminates the hassle of keeping multiple policies
  • Hassle-free cashless and reimbursement facility that ensure timely claim settlement
  • Optional benefits such as air ambulance, daily allowance+, reduction in wait period, etc. are helpful to extend the policy coverage
  • Avail of cashless treatment at our network hospitals in your vicinity at your convenience
  • Avail tax benefits under section 80D, premium paid against a health insurance policy gets tax exemption

Optional Benefits

Incurring hefty medical expenses can be highly burdening for people from all walks of life. But you can smoothly manage a crisis without any hassles with health insurance. Below are the optional benefits to cover your special needs:

Air Ambulance Cover- We cover the cost of availing of air ambulance services if the doctor certifies the necessity of an air ambulance.

Daily Allowance+- We pay a fixed amount for each day of hospitalization under the following conditions.

  • Option to choose benefit from Rs.1,000 to Rs.10,000
  • Double amount payable when admitted in ICU
  • Maximum 30 Days in a Policy Year

Care Shield- An add-on cover that offers three-fold benefits claim shield, no claim bonus shield, and inflation shield.

  • Benefit 1: 68 listed NON – PAYABLE items in CARE become payable
  • Benefit 2: No Loss of No Claim Bonus/No Claim Bonus Super on Renewal in case the claim amount is < 25% of Base SI
  • Benefit 3: Increase in Policy SI on Renewal as per CPI (Consumer Price Index) inflation in the previous Policy year

Reduction in PED Wait Period- Choosing this optional benefit reduces the applicable wait period of 48 months to 24 months for pre-existing diseases.

OPD Care- Through this optional cover, expenses related to doctor consultation, prescribed diagnostics, prescribed pharmacy & covid vaccination are covered under the following conditions:

  • Option to choose from 5,000 to 50,000 with any SI
  • Up to Rs.1000/- per dose per insured payable for approved COVID Vaccination
  • Doctor Prescription is a must for claiming Diagnostics and Pharmacy expenses
  • Claim on a Reimbursement basis
  • Claim can be filed max 2 times in policy year

Unlimited Automatic recharge- There should never be a time when you run out of coverage, which is why selecting this optional cover your sum insured amount re-instated in your policy every time your sum insured exhausts.

What is Included in Care for 45+ Health Insurance Plan?

This health insurance policy is vital if you want to stay protected during this testing time. Let's take a look at what it includes:

  • In-Patient/Daycare hospitalization- You will get coverage if you are hospitalized for 24 hours or more. However, if you opt for daycare treatments where you need to be hospitalized for less than 24 hours, the related expenses are also included under the policy. CHI covers 540+ daycare treatments.
  • Pre-hospitalization- Coverage for medical expenses such as investigative tests, routine medications incurred by you 30 days before your hospitalization.
  • Post-hospitalization- Coverage for medical expenses such as doctor consultation, diagnostic tests, and medications incurred up to 60 days post-discharge from the hospital.
  • Room rent- You will get coverage for the charges you have paid for the room rent up to the amount specified in the policy certificate.
  • ICU Charges- Your ICU charges can be taken care of during your hospitalization. You will get 2% of SI per day.
  • Ambulance cover- Reimbursement of expenses incurred by you for availing of a domestic road ambulance during your hospitalization.
  • Domiciliary hospitalization- If your medical conditions do not allow you to visit the hospital, or if no beds are available in your vicinity, you can go for domiciliary hospitalization as per the doctor's advice. You will get coverage up to 10% of SI for a period exceeding three consecutive days.
  • Annual health check-up- Annual Health Check-Up for all insured members is available under this plan once in a policy year. It helps you keep track of your and your family members' health.
  • Automatic recharge- If you ever run out of your health cover due to claims made, the entire sum Insured amount of your policy will be re-instated. You can avail of this benefit once in a policy year.
  • No Claim Bonus with NCB SUPER*- We raise a cheer for your good health for every claim-free year. With NCB Super, you can get an increase of up to 150% SI.
  • Organ donor cover- We reimburse the medical expenses incurred on the Organ Harvesting operation performed on an organ donor while undergoing organ transplant surgery.
  • Second opinion- If you feel uncertain about your diagnosis, you can opt for a second opinion. We arrange it for you within India from our panel of doctors.
  • Alternative Treatments- For sustainable recovery, alternative treatments are better. If you believe in traditional medicines, you can get coverage for alternative treatments, including AYUSH under the policy.

Advanced Technology Treatments

Now that the medical field has evolved over the years, it has come up with some top-notch technologies. The advanced technology treatments require minimal invasive surgeries. Care 45+ plan enables you to undergo following advanced technology treatments:

  • Uterine Artery Embolization and HIFU
  • Balloon Sinuplasty
  • Deep Brain stimulation
  • Oral chemotherapy
  • Immunotherapy- Monoclonal Antibody to be given as an injection
  • Intra vitreal injections
  • Robotic surgeries
  • Stereotactic radio surgeries
  • Bronchial Thermoplasty
  • The vaporization of the prostate (Green laser treatment or holmium laser treatment)
  • IONM - (Intra Operative Neuro Monitoring)
  • Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for hematological conditions.

Things to Consider Before Buying a Health Insurance Plan in the Late 40s

While browsing about the right health insurance plan, you can be flooded with several options. Below are the factors that you should consider while buying a health insurance policy in your 40s:

  • Compare health insurance plans' features, benefits, and exclusions carefully to pick the comprehensive plan as per your healthcare needs.
  • Check the waiting period, especially for pre-existing diseases, and whether there is an option to reduce the waiting period.
  • Use the health insurance premium calculator available on the portal and compare the premium of various plans to choose the most affordable plan.
  • Look for optional benefits that help you extend the policy coverage.
  • Check the CSR(Claim Settlement Ratio) and pick the plan from the health insurance provider that has higher CSR like us.
  • Get the list of network hospitals and choose the plan that offers the cashless hospitalization facility across India.

*Please read the brochure and prospectus to know more about our health insurance plans cover as these may vary.

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FAQs on Care for 45+


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Most Frequently Asked Questions

Q. Do I need to undergo a pre-policy medical check-up to buy a Care for 45+ policy?

No pre-policy medical check-up is required to buy this policy.

Q.Can I include my family members in Care for 45+ policy?

You can include a maximum of 6 family members in Care for 45+ family floater plan.

Q. Is there any tax benefits under Care for 45+?

Under section 80D of the Income Tax Act of India 1961, the premium paid for this policy gets tax exemption.

Q.How many network hospitals are cover under Care for 45+ policy?

We have approx 19000+ cashless network providers across India.

Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.

*Claim Settlement Ratio is for FY 19-20 and number of claims settled till February 2022.

**Number of Cashless Healthcare Providers till 25th March 2022

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