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Health Insurance for Senior Citizens

  • Pre & Post-Hospitalization
  • No Pre-Policy Medical Check-up
  • Up to 150% No Claim Bonus
  • Annual Health Check-up

Cashless Healthcare Providers


Insurance Claim
Settlement Ratio*




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Any past or ongoing medical conditions of any insured member
Any Condition, ailment or injury for which the insured person had signs or symptoms and/or were diagnosed, and/or received medical advice/treatment within 48 months prior to the first policy issued by the insurer.


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.


Through this optional cover, one can claim amount equivalent to their bills provided at the time of reimbursement.

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

Policy Benefits of Care for Senior Citizen Plan

Care senior highlights

Annual Health Check-up

Annual health

Orgon Donor

Organ Donor

Emergency Ambulance

Emergency ambulance

Day Care Treatment

Day Care Treatment

Post Hospitalization Expenses


Benefits of Senior Citizen Health Insurance close
  3 Lacs 5, 7, 10 Lacs
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.
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 ₹ 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.
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.
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 Yrs/2 Yrs/3 Yrs 1 Yrs/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 Lacs Up to ₹ 2.5 Lacs

Care for senior citizens plan details

Add-ons to cover your specific needs

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

See Details

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

See Details

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

See Details

Senior Citizen Health Insurance Plan

  • Entry age - Minimum Adult - 61 years

  • Entry age - Maximum Adult - Lifelong

  • Life long Renewability

  • Co-Payment 20% per claim, where age of insured / eldest member is 61 years or above

  • 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


Cashless Insurance


Intimate within 24 hours of your hospitalization

Planned Hospitalization

Intimate us 48 hours prior to your hospitalization


Reimbursement Insurance Claim Form Submission


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 re-imbursement 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

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Voice of Our Customer

Keshav Pal Singh

review Recently, I have taken a policy for my mother. Hassle free insurance buying process. Highly Recommend Care Do keeps up the good work.

Rukhsar Khan

review I would like to appreciate your service, support and guidance to settle claim on time.

Arun Sharma

review Mr Promod was very helpful in explaining product features & claim settlement process. Keep it up!

Krishna Verma

review Thank you for helping me in bad situation when my dad was hospitalized. Buying Senior Citizen Health Plan was the wiser decision I have taken.

Radhika Gaur

review Care Health Insurance was awesome, helped me a lot like family with hospitalization formalities of my dad when I was very tense due to his sudden illness. Really appreciate!
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 your intimation regarding the acceptance of my claim and had a minor query as to what is the claim amount settled by you. Thank you. View more

Ankita Sharma

Health Insurance

Indubala Nambiar

We will continue to avail of your scheme.

Thank you for settling the claim amount. Kindly inform me when the amount is remitted to the credit of my bank account with the Bank of Baroda. We will continue to avail of your scheme when we travel abroad. View more

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 while my wife was recovering from typhoid. Thanks Virender you are a star! View more

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 reimbursement request related to my mother’s operation. You were really helpful explaining the process in advance before the treatment and also during the final settlement. View more

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 with holding payment or rejecting it outright on very flimsy grounds as they are averse to parting with their money. It was not the case with Care health insurance. Thank you, may your tribe grow. View 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 (CHI) (formerly known as Religare Health Insurance Company Limited) 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.

Awarded as Claims
Leader of the year

23 lakh + Claims settled*

Cashless claim processing
in approx. 2 hours

About Care for Senior Citizen Health Insurance

Healthcare cost in India is increasing at 20 % every year. Therefore, the need for adequate health cover has attained the importance in not just during the working life of an individual, but even after retirement. A health insurance for senior citizen is a health insurance policy that offers medical coverage to individual above 61 years. Some of the unique benefits of senior citizen medical insurance include cashless hospitalization, no pre-policy medical check-up, pre-existing diseases cover, annual health check-up, and day care expenses.

Introducing Care for Senior Citizens

Don’t let age stop you from enjoying life to the fullest. Presenting Care for Senior Citizens, a comprehensive health insurance plan. Let age be just a number and nothing more than that. It’s finally time for you to relax and enjoy the most peaceful years of your life. However, this is an alarming age that requires more caution of health. Post-retirement life comes with a bounty of expectations - for the shackles of the daily grind are gone and one can finally dedicate their time to the things they love! Our parents and elderly relatives can get the best out of this phase if they are in good health and they are reassured by their health insurance plans. This is why we have specially curated mediclaim for senior citizen individuals who are aged above 61 years of age. This health insurance plan for senior citizens includes an annual check-up, tax savings, floater and individual cover, and of course, a servicing team that empathizes and guides you at every step.

Key Features of Care for Senior Citizen Health Insurance

A medical uncertainty can knock your door anytime and with Care for Senior Citizen you can protect your parents or elderly loved ones with the best health care facilities without worrying about finances.

  • Individual or floater cover
  • Cover pre and post hospitalization expenses
  • No pre-policy medical check-up
  • Annual health check-up for all insured person
  • Automatic recharge of Sum Insured
  • Lifelong renewability
  • Under section 80 D, tax benefits up to INR 50000/-

Factors to consider while buying Mediclaim policies for Senior Citizen

Below are the important points that should be taken into consideration while you are planning to buy senior citizen health insurance plan:

  • Affordable- Due to growing age and limited income, it is advisable to buy affordable senior citizen health plan through which one can afford medical expenses without overburdening their children financially. Care for Senior Citizen is an ideal and affordable plan that helps elderly people to stay healthy without worrying about additional medical expense.
  • Convenience and Ease of Purchase you or your elderly parents do not need to go anywhere and can buy policy online with few clicks. Read the features, benefits, coverage, claim process, policy T & C on the website or download the brochure to get every detail about the plan. With us, the process of getting insurance for senior citizens is quick and easy.
  • Coverage It is recommended to opt for a plan that offers maximum coverage with minimum limitations. Care for Senior Citizen is ideal for senior citizens as it offers comprehensive coverage for pre and post hospitalization, day care treatments, annual health check-up, second opinion, AYUSH treatments and many more benefits.

Why do you need Cover for Senior Citizens?

  • Cost of medical treatment in India is always on the rise. Health insurance for Senior Citizen can ensure that an unfortunate ailment at old age does not impact your finances and assist you to beat medical inflation.
  • Day Care Costs which arises for special procedures
  • Ambulance coverage reduces the impact of miscellaneous costs that are incurred
  • Senior Citizen Health Insurance Plan includes annual health check-ups to keep track of your health
  • Coverage for alternative treatment takes into account the latest practices wherein treatments combine multiple disciplines
  • Pre-existing diseases are covered subject to terms and conditions of the policy

Tax Benefits of Care for Senior Citizens Health Insurance Plan

This Senior Citizen Health Plan not only provides assurance of multiple health benefits but also entitles you to avail tax exemption under section 80D of the Income Tax Act, 1961.You are eligible for an income tax rebate up to Rs. 50,000 if you hold a mediclaim policy for senior citizens for your elderly parents. Additionally you can avail additional rebate of Rs 5,000 for preventive health check-up done apart from Annual check-up covered in policy.*

Things to keep in mind while buying Senior Citizen Health Plan

Purchasing a health insurance plan for the senior citizen is always a wise decision to opt for and avoid uncertainties of medical costs due to sudden illness. Unique Annual health check-up feature helps you to monitor health yearly.

Let’s consider the factors which one should keep in mind while buying senior citizen health insurance.

  • Co-payment Copay is the fixed percentage of the claim amount that an insured has to pay from his own pocket for every covered services claim. We offer only 20% co-payment clause on every claim under senior citizen plan, rest will be paid by us.
  • Expenses covered It covers a wide spectrum of medical expenses including in-patient hospitalization, pre and post hospitalization, day care treatments, ICU charges, daily allowance and many more.
  • Waiting Period for Pre-Existing Conditions: It is the time period that must elapse before coverage can begin. It depends on the insured’s medical history and other related factors; in case of pre-existing ailments, the waiting period is 4 years.
  • Sub-limits: It is the limit placed by the insurance company on the health insurance claim. It is usually applicable to services such as room rent, ambulance charges, and certain medical procedures.
  • Additional Features: While choosing health insurance plans for parents you should also check additional features. We offer additional features such as coverage to alternative treatments, annual health check-up, second opinion etc.
  • No Claim Bonus: Care for Senior citizen health insurance offers 10% increase in Sum Insured for every claim-free year. Up to 150% increase in sum insured with No Claim Bonus & No Claim Bonus Super(optional Super)

Claim Settlement Process of Care for Senior Citizens

In the case of emergency, intimate our customer support team within 24 hours of hospitalization. If it is a planned hospitalization, then you have to inform us 48 hours before hospitalization. Below are the simple steps to file the claim:

Cashless Hospitalization Claim Process :

  • Submit the pre-authorization form and submit it to the hospital insurance desk.
  • An approval letter will be sent from the side of our claim management team.
  • If required, a query might be raised from the side of our claim management team.
  • After the approval, your bills will be directly paid to the hospital.

Reimbursement Claim Process :

  • Submit the Health Insurance claim reimbursement form and attach all the required documents along with the form
  • Our claim management team may raise a query if required
  • An Approval letter will be sent by the claim management team
  • Submit a medical certificate issued by the hospital/doctor
  • Duly submit the claim form to us
  • Submit the discharge form issued by the hospital/doctor
  • We will communicate in case of any rejection.

Exclusions under Care for Senior Citizen Health Insurance Policy

Exclusions are the diseases that are not covered under the policy. Read the common exclusions for a senior citizen mediclaim policy:

  • Self-Inflicted Injury: Expenses attributable to self-inflicted injury such as suicide, attempted suicide, etc.
  • Injuries Due to Consumption of Alcohol: Expenses arising out of or attributable to alcohol or drug use/misuse/abuse.
  • Transmitted Diseases: Medical expenses incurred for the treatment of AIDS and other transmitted diseases.
  • Pregnancy Treatment: Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion, and its consequences.
  • Infertility Treatment: Tests and treatment relating to infertility and in vitro fertilization cannot be claimed.
  • Permanent Exclusions: War, riot, strike, and nuclear weapons induced hospitalization are considered as permanent exclusions.
  • Cosmetic Surgery: Plastic surgery, cosmetic treatment, and implants are also not covered under an insurance policy.

FAQs on Care for Senior Citizens


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Most Frequently Asked Questions

Popular Questions

Q. Why it is important to have health insurance for Senior Citizen?

Senior citizen health insurance is specially designed for elderly people who are above 60 years. It provides cashless hospitalization, day-care expenses, no claim bonus, coverage for pre-existing diseases, and annual health check-ups. It is also beneficial for retired people to maintain good health without financial stress.

Q. Why Medical Insurance Coverage is required for Senior Citizens?

For senior citizens who rely on their pension savings or interest income in order to meet their regular expenses, a medical exigency without the support of health insurance can lead to the financial burden. Besides, health care costs are on the rise in India. Moreover, senior citizens are people who need timely and quality health care the most, owing to age-related illnesses. Opting for Senior Citizen Medical Insurance coverage provides them with a financial cushion and helps them lead a stress-free life.

Q. What is the Maximum Age to avail Care for Senior Citizen Mediclaim?

There is no upper age limit to avail Care for Senior Citizens Mediclaim.

Q. What are the Benefits which can be availed under Care for Senior Citizens Plan?

Senior Citizens are entitled to receive the following benefits under Care for Senior Citizen Health Insurance:

  • It provides coverage for pre-existing medical conditions like Diabetes and Hypertension subject to waiting period as specified in the policy details.
  • It provides cashless treatment facilities in any of the network hospitals.
  • Domiciliary hospitalization cover of up to 10 % of sum insured if domiciliary hospitalization exceeds 3 days.
  • Coverage of a fixed sum for alternative treatments such as Ayurveda, Unani, Siddha and Homeopathy.
  • Considering the health risks with advancing old age, senior citizen insurance plans guarantee high sum insured.
  • Annual health check-ups facility is also provided under this mediclaim policy.
  • Tax deduction on premium paid of up to Rs.50, 000 under Section 80D of the income tax Act.

Q. Can I get Care for Senior Citizen if I am over 65?

As per IRDA guidelines, one is eligible to get individual or family floater health insurance up to 65 years of age. There is also the option of lifetime renewability. However, it is recommended to buy Care for Senior Citizen Health Insurance Plan at an early stage of life.

Q. What is Not Covered under Care for Senior Citizen Medical Insurance?

Care for Senior Citizen Medical Insurance plan also has exclusions. These are the situations when you cannot file a claim under your senior citizen's mediclaim policy. Some of them are listed below:

  • Diagnosis of diseases, undergoing surgery, or occurrence of any event, wherein the symptoms first occur within 30 days of Policy Period Start Date.
  • Expenses as a result of self-inflicted injury (suicide, attempted suicide)
  • Expenses attributable to alcohol or drug use/misuse/abuse
  • Expenses for treatment of AIDS or congenital diseases
  • Expenses for treatment arising due to pregnancy, childbirth, miscarriage, abortion, infertility, in vitro fertilization, etc.
  • Hospitalization due to events like war, riot, strike, nuclear weapon attack, etc.

Q. How to Calculate Care for Senior Citizen Medical Insurance Premium?

Premium is a pre-decided amount of money that Senior Citizen or policy taker has to pay as a health premium after a specified period, against the coverage. The amount of premium is subjected to age, sum insured, no of insured persons, pre-existing diseases, and policy terms & conditions.

Q. Can I Buy Care for Senior Citizen Health Insurance Plan without a Medical check-up?

Yes, you can buy our Care for Senior Citizen Health Insurance Plan without a pre-policy medical check-up. The policy will be insured basis under tele-writing. In the case of a pre-existing disease there is 4 years waiting period.

Q. Why do Senior Citizens Need Health Insurance?

After retirement elderly people left with limited fixed income. They either depend on their savings or on their children for health care costs. Moreover, old age is the time when one is more susceptible to various illnesses. Sometimes, the possibility of hospitalization due to any pre-existing conditions also becomes high. Keeping these points in view, opting for a senior citizen health insurance becomes a necessity. It paves way to secure future by covering unexpected medical costs and eliminates financial crisis.

Q. Is Care for Senior Citizen Health Insurance Policy Covers Pre-existing Conditions?

Pre-existing conditions mean the illness, injury or other condition that existed before the issuance of the policy. Yes, health insurance policy for senior citizens covers pre-existing conditions but after 4 years waiting period.

Q. What is the Eligibility Criteria for Care for Senior Citizen Health Insurance?

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

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

Q. Why You Should Opt for Care for Senior Citizen Health Insurance?

At Care Health Insurance(formerly known as Religare Health Insurance Company Limited), we offer Care for Senior Citizen which is a comprehensive health insurance plan for senior citizens. Read below why you should opt for it:

  • Pre and post hospitalization expenses coverage within the network hospitals to avails them the best treatment facilities without the financial crunch.
  • Coverage against on-going treatment, medication, therapies, and dialysis costs to reduces the financial burden.
  • Annual health check-ups for insured Senior Citizens that save lots of money
  • Automatic recharge of Sum Insured
  • Lifelong renewability
  • Tax benefit- under section 80D of the Income Tax Act of India 1961, premium paid

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 as on June 30, 2020

Care for senior citizens plan details

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