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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
    22900+ Cashless Healthcare Providers^^
  • Claim settled ratio
    38 Lakh+Insurance Claims Settled**
  • Claim settled
    24*7Claim and Customer Support

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

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.
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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.
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Annual health check-up
Under this plan, you get Annual health check-up for all insured members, covered as adults, regardless of claims history.
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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

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

Get Coverage of up to ₹50,000 for doctor consultations, prescribed diagnostics and prescribed pharmacy.

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



Intimate within 24 hours of your hospitalization

Planned Hospitalization

Intimate us 48 hours prior to your hospitalization



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

22900+ Health Care Providers Serving Cashless Medical Services Across The Globe

Look for hospitals around you

Detailed Hospital List
22900+ Health Care Providers Across The Globe
22900+ Health Care Providers Across The Globe

Voice of Our Customers

Chandu Singh December 01, 2023
Care Senior

Reliable partner

After 25 years of my job today I feel lucky ... I have Care senior plan to look after my health issues. Recently I raised claim for my knee replacement they initiated swiftly and settled my claim. And now i get to know I took the right decision to buy this plan.
Harindra Pal December 01, 2023
Care Senior

Helpful team

Recently i had visited Green park branch of Care. Very systematic work culture and helping nature of claim team. Well i had some doubts in the claim process. The assistance carefully guided me on every clause and satisfied my queries. I will now recomend all my youngold buddies on buy care senior plan only.
S.K Shah December 01, 2023
Care Senior

Nice experience and excellent process

I am truly satisfied with the excellent customer service experience from Care Health. Team is very very supportive and friendly.... I got no catches in getting my claim accepted. Very good.
Rohit Gupta December 01, 2023
Care Senior

Best choice

Insurance ke liye care health insurance best choice hai. Company ke log aur inki service bahut achhi hai. Aur Insurance plan v achhe hai jise log apne according kharid sakte hain.
Rahul Sangwan

My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

Rahul Sangwan

Health Insurance

Samanway Barik

We will continue to avail of your scheme

I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

Samanway Barik

Health Insurance

Soubhagya K Kulkarni

Everything went very smooth

Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

Soubhagya K Kulkarni

Health Insurance

Vaibhav Rai

Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

Vaibhav Rai

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.

Best Health Insurance Company of the year

Best Health Insurance
Company of the year*


38 Lakh+ Claims Settled**



**Number of claims settled as of 30th June 2023       *India Insurance Summit & Awards 2023

FAQs On Care Senior Plan


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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.

^^Number of Cashless Healthcare Providers as of 30th June 2023
**Number of Claims Settled as of 31st May 2023

##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!

Reach out to us
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