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Care Senior Banner

Care Senior- Health Plan for Life's Golden Years

  • Get Pre & Post-Hospitalization Covered
  • *No Pre-Policy Medical Checkup*
  • Get Rewarded up to 150% for each Claim Free Year
  • Annual Health Check-up for All Insured Members

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7.5% OFF

10% OFF


All Members

Care Senior ( --- )

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.


We like to stay with you all the way. Our option of life long renewability helps yau stay covered for life, provided your policy is renewed on time every year.


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.


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.

Co-payment Waiver

If the age of the insured member or eldest insured member is 61 years or above, by opting for this add-on, you can get rid of the 20% co-payment worry. We will pay medical expenses incurred for hospitalization subject to policy terms and conditions.

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 Senior Citizen Health Insurance

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 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 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 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 60 days
Daily Allowance
Max 5 days per hospitalization covered
Rs. 500 per day --
Ambulance Cover
In an emergency, we reimburse expenses incurred by you for availing a domestic road ambulance during your hospitalization.
Upto ₹ 1,500
per 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 ₹ 50,000 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 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.
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Second Opinion
If you feel uncertain about your diagnosis, you can opt for a second opinion, arranged by us for specified critical illness.
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Alternate Treatment
Alternate treatment is only covered if hospitalization exceeds more than 24 hours
Up to ₹ 15,000 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.
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Annual health check-up
Under this plan, you get Annual health check-up for all insured members, covered as adults, regardless of claims history.
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Room Rent
We reimburse expenses occurred while you're staying in a hospital.
Up to 1% of SI per day 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 Up to 2% of SI per day
Tenure 1 Yr/2 Yrs/3 Yrs 1 Yr/2 Yrs/3 Yrs
Treatment of Cataract Up to ₹ 20,000 per eye Up to ₹ 30,000 per eye
Treatment of Total
Knee Replacement
Up to ₹ 80,000 per knee 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 ₹ 50,000 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 Lakh Up to ₹ 2.5 Lakh

Care for senior citizens plan details

Add-ons to cover your specific needs


Covid Care

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

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
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

OPD Care

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

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
Co-payment Waiver

Co-payment Waiver

An Add on cover for 20% Co-payment Waiver

See Details

Care for Senior Citizen Health Plan

  • Entry age - Minimum Adult - 61 years

  • Entry age - Maximum Adult - Lifelong

  • Life long Renewability

  • Co-payment: While buying or renewing a policy at age 61 years and above, customers will have the choice to include or exclude the co-payment feature that implies -

    • Continuing the policy with 20% co-payment

    • Continuing the policy without 20% co-payment by opting for a waiver benefit.

  • Waiting period name ailment -

    • Named Ailment Waiting Period - 24 months of continued coverage

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

  • Grace Period 30 days from the date of expiry

Download Terms & Conditions
  • 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

Discount upto 20% on Health Insurance Premium Discount upto 20% on Health Insurance Premium


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Voice of Our Customers

Nandita Das


Good Customer Care Service provided by Mr. Akshay! All questions are answered promptly. Keep it up the good work

Christopher Willson


My mother has undergone surgery and was hospitalized for almost a week. Most of the hospitalization expenses were covered under the senior citizen health policy.

Geeta Singh


Ms. Neelima from the customer support team is very helpful throughout the claim settlement process. Thankful for saving my grandfather’s life.

Nusrat Khan


I’m satisfied with my decision to buy Care Senior for my parents. The key benefit is coverage to daycare treatment and covid-19 coverage. Highly recommend.

Raghav Khosla


I have taken Care Senior for my parents a few days back. Seamless and hassle-free process. Good services!

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

Why Is It Important to Opt Care Senior Health Insurance?

Health insurance helps our old parents or senior citizens to age gracefully. Aging comes with several health complications that require prolonged treatment and, if not treated timely, also lead to hospitalization. Moreover, increasing medical inflation and resultant skyrocketing treatment costs can derail your finances and wipe out your life savings post-retirement. Fortunately, you can stay financially protected and avail the best treatment with health insurance for senior citizens in the golden years of life.

Care Health Insurance offers Care Senior the most comprehensive health insurance policy specifically designed for individuals above 60. It is vital as it provides complete coverage to older people against hefty hospital bills to get the best healthcare facilities without financial stress. Senior citizens can pick the sum insured per their healthcare needs at an affordable premium that won't burden their financials, especially after retirement. No pre-policy medical checkup is required to buy this policy. However, in some cases, a tele under-writer may request few medical tests.

Care senior's unique benefits include cashless hospitalization cover, annual health checkups, 541+ daycare treatments, pre-existing disease cover, and many more. It is also an important financial tool that helps senior citizens to save on tax up to Rs.1,00,000 under section 80D of the Income Tax Act.

With our senior citizen health insurance, please relax and enjoy your second innings while we are here to take Care of your health-related finance worries.

Features of Senior Citizen Health Insurance

Senior citizens deserve timely healthcare. Care Senior is helpful to ensure their post-retirement life worry-free. Below are its unique features:

  • Available as individual or floater cover
  • Automatic Recharge to cover multiple hospitalizations for heavy medical bills
  • *No pre-policy medical checkup is required
  • Cashless hospitalization at 8350+ Network Hospitals
  • Coverage for pre and post hospitalization expenses
  • Coverage for COVID-19 hospitalization
  • Annual health checkup for all insured members
  • Add-ons like reduction in waiting period, OPD care, Care Shield, etc.
  • Lifelong renewability
  • Up to 150% increase in SI with No Claim Bonus Super
  • Tax benefits up to INR 1,00,000/-* under Section 80D

Add-Ons To Cover Your Specific Needs

Add-ons are the additional benefits that do not come with the base health policy but equally beneficial to enhance the policy coverage. Below are the unique add-ons of Care senior health insurance:

Reduction in PED Waiting Period: If a long waiting period bothers you, choose this add-on cover that reduces the applicable wait period of 48 months to 24 months for pre-existing diseases.

Co-Payment Waiver: During medical emergencies, it won't be easy to arrange money for co-payment. That is why it's good to opt for this add-on and get rid of the 20% co-payment worry.

No Claim Bonus Super: It is a double cheer for your good health. You can increase your sum insured amount by 50%0% for every claim-free year up to a maximum of 100%% in 2 consecutive years.

OPD Care: An add-on that takes Care of expenses incurred on Doctor consultations, pharmacy, and investigation tests. One can claim an amount equivalent to the bills provided at the time of reimbursement.

Care Shield: An add-on that comes with three-fold benefits:

  • Claim Shield- 68 non-payable expenses like attendant charges, gloves, mask, etc., now payable under this add-on.
  • No Claim Bonus Shield- Under this add-on, NCB will not reduce if the total payable claim amount is <=25% sum insured.
  • Inflation Shield- The base policy sum insured will increase on renewal basis CPI ( Consumer Price Index) rate declared in the previous year in this add-on.

What is Included In Care Senior Plan?

Opting for health insurance for senior citizens is simple with us. Let's take a look at what our care senior citizen plan includes:

In-Patient Hospitalization- This policy includes in-patient hospitalization that helps senior citizens avail timely treatment during a medical emergency or planned treatment.

Daycare Treatments- There are 541+ daycare treatments available under the policy coverage that do not require 24 hours of hospitalization.

COVID-19 Coverage- Now, no more sleepless nights due to COVID-19. We include coronavirus hospitalization and treatment expenses as well under the policy coverage for senior citizens.

Coverage for Pre-Existing Diseases- Older people with pre-existing medical conditions need not worry. We cover them too after the completion of their specific waiting periods.

Pre and Post Hospitalization- Age-related complications sometimes increase the frequency of visiting the Doctor. Medical insurance for senior citizens includes expenses 30 days before and 60 days after hospitalization.

Ambulance Cover- Care Senior Plan covers ambulance costs for senior citizens to reach the hospital for treatment won't be an extra financial burden for them.

Organ Donor Cover- We cover expenses for organ harvesting operations performed on the Donor, provided the same is also used for our Insured member.

Domiciliary Hospitalization- If senior citizens' medical conditions prevent them from traveling to a hospital, or if no beds are available in all the hospitals in the vicinity, they can go for domiciliary hospitalization(treatment at home) as per the Doctor's advice.

Second Opinion- If you are not satisfied with your diagnosis or treatment plan, we can provide a second opinion for you for a specified illness.

AYUSH Coverage- If you believe in alternative treatments, you can also go for AYUSH (Ayurveda, Unani, Sidha, and Homeopathy). It is also included under the Care Senior health insurance.

Annual Health Check-up- It is easy to keep track of your health with the annual health checkup feature of the Care Senior Plan. You will get a yearly health checkup as a part of the policy benefit.

Add-Ons- Reduction in the PED wait period, co-payment waiver, no claim bonus super, OPD Care, and Care Shield are unique add-ons that are helpful to increase the policy coverage.

*Please read the Care Senior Policy wording, brochure, and prospectus to know more about our health insurance plans cover as they may vary.

Benefits Of Care Senior Citizen Plan

Care Senior is the tailor-made insurance plan crafted to protect old-age parents or senior citizens from the burden of heavy medical bills. It has below listed wide range of benefits:

  • It is the best medical insurance for senior citizens that offers comprehensive coverage as per their healthcare needs.
  • Avail of advanced healthcare facilities without financial implications.
  • Coverage for COVID-19 hospitalization and covers consumable expenses under Care Shield add-on cover.
  • Wider coverage for diagnosis, consultation fees, ICU charges, OPD consultation, etc., reducing the extra financial burden on their pocket after retirement.
  • Customized senior citizen health insurance at an affordable premium with maximum coverage.
  • A cashless hospitalization facility makes it easy to avail timely treatment without getting worried about cash.
  • Empanelment with leading network hospitals and healthcare providers across the country where elderlies can get treatment as per their locations.
  • Senior citizens will get special discounts such as a multi-year policy, Smart Select, and many more that reduces their premium.
  • Increased sum insured under no claim bonus as a reward to stay healthy.
  • Easy and hassle-free claim settlement for cashless and reimbursement.
  • Quick claim processing to avoid unnecessary delays in settling claims.
  • Add-ons like Co-payment waiver, reduction in PED waiting period, OPD Care, Care Shield, and No Claim Bonus Super.
  • Tax benefits up to Rs.1,00,000 under section 80D of the Income Tax Act to save more.
  • Anytime customer support from the expert insurance advisors at every step.
  • Provide financial protection to the senior citizens in the golden years of their life.

Eligibility Criteria For Care Senior Plan?

The eligibility criterion for Care for Senior Citizen Health Insurance is:

  • Minimum Age: 60 years
  • Maximum Age: No Upper Limit

6 Reasons You Need Cover For Senior Citizens

  • No pre-policy medical checkup to make the buying process stress-free
  • COVID-19 coverage to stay protected during the pandemic
  • Pre and post hospitalization expenses coverage to reduces the burden of extra costs
  • Coverage for pre-existing diseases and option to a reduced waiting period
  • Avail up to 150% increase in sum insured with No Claim Bonus Super
  • AYUSH treatment cover for a sustainable and speedy recovery
  • Annual Checkup to keep track of your health
  • Health insurance to beat rising medical inflation
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FAQs On Care Senior Plan


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Most Frequently Asked Questions

Q. What is the Maximum Age To Avail Care for Senior Citizen Mediclaim?

There is no upper age limit to avail of Care senior health insurance.

Q.How to Calculate Premium for Care Senior Plan?

The premium amount is subject to the age, sum insured, no insured persons, pre-existing diseases, and policy terms & conditions.

Q.Does Care Senior Health Insurance Cover Pre-Existing Conditions?

Pre-existing conditions are covered after the completion of 4 years waiting period.

Q.Will Coronavirus Be Covered In Care Senior Plan?

Yes, it covers coronavirus treatment, subject to policy terms and conditions.

Q.What are the Documents Required for Care Senior?

Proposer details and health declaration are the documents required to buy Care Senior Plan.

Q.Do I Need to Go for Medical Checkup Before Buying Care Senior Health Insurance?

No, you do not need to go for a medical checkup before buying Care Senior Plan. However, for pre-existing disease or any other adverse medical history, the tele under-writer may request few medical tests.

Q.Is there any waiting period?

Yes, the initial waiting period for any illness is 30 days, for named ailments 24 months, and for pre-existing diseases 48 months waiting period.

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

Care for senior citizens plan details

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