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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.
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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 it is high time to get the best health insurance for 45 year old. Health insurance protects you from financial insecurities caused by unexpected illnesses or accidents. So, be smart by opting for a over 40s insurance plan plan that takes care of your healthcare needs while you age.
After being carefree in the 20s and 30s, there come the 40s that make you worried about your health. Ageing is natural, but it comes with different chronic diseases and co-morbidities. Due to rising medical inflation, one-time hospitalisation and treatment can derail your financials. Therefore, adequate health insurance coverage 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 when 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 during the time of medical emergencies while you have other responsibilities to look after. With automatic recharge up to the sum insured for unrelated illnesses, this plan is available at affordable premium for various health insurance age slabs.
Moreover, you can get up to a 150% increase in the sum insured with NCB super as a reward for staying healthy under the policy. It doesn't stop here! The facility of annual health check-ups in the policy alarms you of 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 a 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.
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Care 45+ is the most comprehensive health insurance that has below distinct features:
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:
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 hospitalisation under the following conditions.
Care Shield- An add-on cover that offers three-fold benefits claim shield, no claim bonus shield, and inflation shield.
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:
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.
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:
Now that the medical field has evolved over the years, it has come up with some top-notch technologies. Advanced technology treatments require minimal invasive surgeries. Care 45+ plan enables you to undergo the following advanced technology treatments:
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:
*Please read the brochure and prospectus to know more about our health insurance plans cover, as these may vary.
No pre-policy medical check-up is required to buy this policy.
You can include a maximum of 6 family members in the Care for 45+ family floater plan.
Under section 80D of the Income Tax Act of India 1961, the premium paid for this policy gets tax exemption.
We have approx 21000+ 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 31st Dec 2022
**10% discount is applicable for a 3-year policy
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