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Care Senior- Health Plan for Life's Golden Years

Care Senior makes it easier for old age people to pay for medical expenses arising due to treatment. It could be a thoughtful present to your ageing parents as it provides a safety cushion while they age.

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Turned 60? Enjoy Your Retirement Life Worry-Free

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    Reasons to Choose Care Health Insurance?

    • Healthcare Networks
    • Claim settled ratio
    • Claim settled

    What is Care Senior?

    Ageing causes a number of health issues that necessitate extensive care and, if not addressed promptly, can result in hospitalisation. Rising medical inflation and the consequently escalating cost of care might ruin your finances and deplete your life savings after retirement. Fortunately, a senior citizen health insurance plan allows you to be financially secure and receive the greatest care when you need it the most. It is the most comprehensive health insurance plan available for people over 60 is Care Senior, offered by Care Health Insurance.

    This plan protects elderly people completely from acute medical expenses, allowing them to access the best medical facilities without financial strain. With a reasonable premium that won't strain their finances, especially after retirement, senior citizens can choose the sum insured options according to their healthcare needs. This policy can be purchased without any pre-policy medical checkup beforehand. However, a tele underwriter may seek information about your pre-existing medical conditions, if any. The distinctive features offered by Care Senior include annual health checkups, cashless hospitalisation cover, pre-existing disease cover, 541+ daycare treatments, etc.

    Plan Highlights of Care Senior

    With our Care Senior Plan, you can unwind and relish your second innings of life while we take care of your money-related health concerns with the following features:

    • A unique policy designed for seniors with no pre-policy medical checkup
    • The policy comes with an affordable premium without straining your finances
    • Get various discounts like a multi-year policy and smart select, etc.
    • We provide coverage for a second opinion from a different doctor for a specified illness
    • Coverage for more than 540 daycare treatment procedures
    • Under section 80D of the Income Tax Act, it is an important financial option allowing senior individuals to save taxes

    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

    KEY FEATURES 3L 5, 7, 10L
    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.
    tick-mark tick-mark
    Second Opinion
    If you feel uncertain about your diagnosis, you can opt for a second opinion, arranged by us for specified critical illness.
    tick-mark tick-mark
    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.
    tick-mark tick-mark
    Annual health check-up
    Under this plan, you get Annual health check-up for all insured members, covered as adults, regardless of claims history.
    tick-mark tick-mark
    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

    Download the Brochure for Care Senior Complete Plan Details

    Download Care Senior complete plan details

    Read Through it!
    Get Complete Policy Details in the Brochure With Our Expert Assistance!

    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

    STEP 1


    Intimate within 24 hours of your hospitalization

    Planned Hospitalization

    Intimate us 48 hours prior to your hospitalization

    STEP 2


    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

    21100+ Health Care Providers Serving Cashless Medical Services Across The Globe

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    21100+ Health Care Providers Across The Globe

    21100+ Cashless Providers

    21100+ Health Care Providers Across The Globe

    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

    FAQs On Care Senior Plan


    Oops! No results found for your keyword search

    Most Frequently Asked Questions

    Q. What is the Maximum Age to avail of Care Senior?

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

    Q. Can I get Care Senior 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. How to calculate Care for Senior Citizen Medical Insurance Premium?

    A premium is a pre-decided amount of money that a senior citizen or policy taker has to pay as a health premium after a specified period against the coverage. The premium amount is subject to age, sum insured, number of insured persons, pre-existing diseases, and policy terms & conditions.

    Q. Does Care for Senior Citizen Health Insurance Policy Cover 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 year waiting period.

    Q. What is the minimum and maximum age 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

    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


    Download the Brochure for Care Senior Complete Plan Details

    Download Care Senior complete plan details

    Read Through it!
    Get Complete Policy Details in the Brochure With Our Expert Assistance!

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