Health Insurance for 45 and above Age Group

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

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 hospitalisation- You will get coverage if you are hospitalised for 24 hours or more. However, if you opt for daycare treatments where you need to be hospitalised for less than 24 hours, the related expenses are also included under the policy. CHI covers 540+ daycare treatments.
• Pre-hospitalisation- Coverage for medical expenses such as investigative tests and routine medications incurred by you 30 days before your hospitalisation.
• Post-hospitalisation- 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 hospitalisation. 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 hospitalisation.
• Domiciliary hospitalisation- 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 hospitalisation as per the doctor's advice. You will get coverage of 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 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 coverage 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. Advanced technology treatments require minimal invasive surgeries. Care 45+ plan enables you to undergo the 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 vaporisation 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 haematological 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 a higher CSR like us.
• Get the list of network hospitals and choose the plan that offers the cashless hospitalisation facility across India.

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