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Health Insurance For 45 And Above

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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    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.

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    • Zone-Based Premium Calculation to Reduce Payouts
    • Assisted Reproductive Treatment Cover

    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.

    FAQs on Health Insurance for 45 and Above

    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 31st Dec 2022

    **10% discount is applicable for a 3-year policy

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