Comprehensive Health Insurance Plan for Senior Citizens

Features of Senior Citizen Health Insurance

See all Sum Insured Options

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
Pre-hospitalization 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
Post-hospitalization 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.
Second Opinion If you feel uncertain about your diagnosis, you can opt for a second opinion, arranged by us for specified critical illness.
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.
Annual health check-up Under this plan, you get Annual health check-up for all insured members, covered as adults, regardless of claims history.
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
Sub-limits
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

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Sr. No.	Insured Events	% of coverage amount of the Insured Person under this Optional Cover
1	Total and irrecoverable loss of sight of both eyes, or of the actual loss by physical separation of two entire hands or two entire feet, or one entire hand and one entire foot, or the total and irrecoverable loss of sight of one eye and loss by physical separation of one entire hand or one entire foot	100%
2	Total and irrecoverable loss of (a) use of two hands or two feet, or (b) one hand and one foot, or (c) sight of one eye and use of one hand or one foot	100%
3	Total and irrecoverable loss of sight of one eye, or of the actual loss by physical separation of one entire hand or one entire foot	50%
4	Total and irrecoverable loss of use of a hand or a foot without physical separation	50%
5	Paraplegia or Quadriplegia or Hemiplegia	100%

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

Emergency

Intimate within 24 hours of your hospitalization

Planned Hospitalization

Intimate us 48 hours prior to your hospitalization

STEP 2

Cashless

Request for pre-authorization

Reimbursement

Claim from submission

Complete the pre-authorization form available
at the hospitals insurance/TPA Desk and send us through fax.

Approval

Approval letter sent by the claim management team

Query

Hospital/Insured to response to the query raised by the claim management team

Rejected

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

Approval letter sent by the claim management team

Query

Insured to response to the query raised by the claim management team

Rejected

We will communicate the reason in case of rejection

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!

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

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

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

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

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.

Awarded as Claims
Leader of the year

30 Lakh + Claims Settled^^

Cashless claim processing
in approx. 2 hours

^^number of claims settled as on February, 2022

Why Is It Important to Opt Care Senior Health Insurance?

Health insurance helps our old parents or senior citizens to age gracefully. Aging comes with several health complications that require prolonged treatment and, if not treated timely, also lead to hospitalization. Moreover, increasing medical inflation and resultant skyrocketing treatment costs can derail your finances and wipe out your life savings post-retirement. Fortunately, you can stay financially protected and avail the best treatment with health insurance for senior citizens in the golden years of life.

Care Health Insurance offers Care Senior the most comprehensive health insurance policy specifically designed for individuals above 60. It is vital as it provides complete coverage to older people against hefty hospital bills to get the best healthcare facilities without financial stress. Senior citizens can pick the sum insured per their healthcare needs at an affordable premium that won't burden their financials, especially after retirement. No pre-policy medical checkup is required to buy this policy. However, in some cases, a tele under-writer may request few medical tests.

Care senior's unique benefits include cashless hospitalization cover, annual health checkups, 541+ daycare treatments, pre-existing disease cover, and many more. It is also an important financial tool that helps senior citizens to save on tax up to Rs.1,00,000 under section 80D of the Income Tax Act.

With our senior citizen health insurance, please relax and enjoy your second innings while we are here to take Care of your health-related finance worries.

Features of Senior Citizen Health Insurance

Senior citizens deserve timely healthcare. Care Senior is helpful to ensure their post-retirement life worry-free. Below are its unique features:

Available as individual or floater cover
Automatic Recharge to cover multiple hospitalizations for heavy medical bills
*No pre-policy medical checkup is required
Cashless hospitalization at 8350+ Network Hospitals
Coverage for pre and post hospitalization expenses
Coverage for COVID-19 hospitalization
Annual health checkup for all insured members
Add-ons like reduction in waiting period, OPD care, Care Shield, etc.
Lifelong renewability
Up to 150% increase in SI with No Claim Bonus Super
Tax benefits up to INR 1,00,000/-* under Section 80D

Add-Ons To Cover Your Specific Needs

Add-ons are the additional benefits that do not come with the base health policy but equally beneficial to enhance the policy coverage. Below are the unique add-ons of Care senior health insurance:

Reduction in PED Waiting Period: If a long waiting period bothers you, choose this add-on cover that reduces the applicable wait period of 48 months to 24 months for pre-existing diseases.

Co-Payment Waiver: During medical emergencies, it won't be easy to arrange money for co-payment. That is why it's good to opt for this add-on and get rid of the 20% co-payment worry.

No Claim Bonus Super: It is a double cheer for your good health. You can increase your sum insured amount by 50%0% for every claim-free year up to a maximum of 100%% in 2 consecutive years.

OPD Care: An add-on that takes Care of expenses incurred on Doctor consultations, pharmacy, and investigation tests. One can claim an amount equivalent to the bills provided at the time of reimbursement.

Care Shield: An add-on that comes with three-fold benefits:

Claim Shield- 68 non-payable expenses like attendant charges, gloves, mask, etc., now payable under this add-on.
No Claim Bonus Shield- Under this add-on, NCB will not reduce if the total payable claim amount is <=25% sum insured.
Inflation Shield- The base policy sum insured will increase on renewal basis CPI ( Consumer Price Index) rate declared in the previous year in this add-on.

What is Included In Care Senior Plan?

Opting for health insurance for senior citizens is simple with us. Let's take a look at what our care senior citizen plan includes:

In-Patient Hospitalization- This policy includes in-patient hospitalization that helps senior citizens avail timely treatment during a medical emergency or planned treatment.

Daycare Treatments- There are 541+ daycare treatments available under the policy coverage that do not require 24 hours of hospitalization.

COVID-19 Coverage- Now, no more sleepless nights due to COVID-19. We include coronavirus hospitalization and treatment expenses as well under the policy coverage for senior citizens.

Coverage for Pre-Existing Diseases- Older people with pre-existing medical conditions need not worry. We cover them too after the completion of their specific waiting periods.

Pre and Post Hospitalization- Age-related complications sometimes increase the frequency of visiting the Doctor. Medical insurance for senior citizens includes expenses 30 days before and 60 days after hospitalization.

Ambulance Cover- Care Senior Plan covers ambulance costs for senior citizens to reach the hospital for treatment won't be an extra financial burden for them.

Organ Donor Cover- We cover expenses for organ harvesting operations performed on the Donor, provided the same is also used for our Insured member.

Domiciliary Hospitalization- If senior citizens' medical conditions prevent them from traveling to a hospital, or if no beds are available in all the hospitals in the vicinity, they can go for domiciliary hospitalization(treatment at home) as per the Doctor's advice.

Second Opinion- If you are not satisfied with your diagnosis or treatment plan, we can provide a second opinion for you for a specified illness.

AYUSH Coverage- If you believe in alternative treatments, you can also go for AYUSH (Ayurveda, Unani, Sidha, and Homeopathy). It is also included under the Care Senior health insurance.

Annual Health Check-up- It is easy to keep track of your health with the annual health checkup feature of the Care Senior Plan. You will get a yearly health checkup as a part of the policy benefit.

Add-Ons- Reduction in the PED wait period, co-payment waiver, no claim bonus super, OPD Care, and Care Shield are unique add-ons that are helpful to increase the policy coverage.

*Please read the Care Senior Policy wording, brochure, and prospectus to know more about our health insurance plans cover as they may vary.

Benefits Of Care Senior Citizen Plan

Care Senior is the tailor-made insurance plan crafted to protect old-age parents or senior citizens from the burden of heavy medical bills. It has below listed wide range of benefits:

It is the best medical insurance for senior citizens that offers comprehensive coverage as per their healthcare needs.
Avail of advanced healthcare facilities without financial implications.
Coverage for COVID-19 hospitalization and covers consumable expenses under Care Shield add-on cover.
Wider coverage for diagnosis, consultation fees, ICU charges, OPD consultation, etc., reducing the extra financial burden on their pocket after retirement.
Customized senior citizen health insurance at an affordable premium with maximum coverage.
A cashless hospitalization facility makes it easy to avail timely treatment without getting worried about cash.
Empanelment with leading network hospitals and healthcare providers across the country where elderlies can get treatment as per their locations.
Senior citizens will get special discounts such as a multi-year policy, Smart Select, and many more that reduces their premium.
Increased sum insured under no claim bonus as a reward to stay healthy.
Easy and hassle-free claim settlement for cashless and reimbursement.
Quick claim processing to avoid unnecessary delays in settling claims.
Add-ons like Co-payment waiver, reduction in PED waiting period, OPD Care, Care Shield, and No Claim Bonus Super.
Tax benefits up to Rs.1,00,000 under section 80D of the Income Tax Act to save more.
Anytime customer support from the expert insurance advisors at every step.
Provide financial protection to the senior citizens in the golden years of their life.

Eligibility Criteria For Care Senior Plan?

The eligibility criterion for Care for Senior Citizen Health Insurance is:

Minimum Age: 60 years
Maximum Age: No Upper Limit

6 Reasons You Need Cover For Senior Citizens

No pre-policy medical checkup to make the buying process stress-free
COVID-19 coverage to stay protected during the pandemic
Pre and post hospitalization expenses coverage to reduces the burden of extra costs
Coverage for pre-existing diseases and option to a reduced waiting period
Avail up to 150% increase in sum insured with No Claim Bonus Super
AYUSH treatment cover for a sustainable and speedy recovery
Annual Checkup to keep track of your health
Health insurance to beat rising medical inflation

FAQs On Care Senior Plan

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Most Frequently Asked Questions

Q. What is the Maximum Age To Avail Care for Senior Citizen Mediclaim?

There is no upper age limit to avail of Care senior health insurance.

Q.How to Calculate Premium for Care Senior Plan?

The premium amount is subject to the age, sum insured, no insured persons, pre-existing diseases, and policy terms & conditions.

Q.Does Care Senior Health Insurance Cover Pre-Existing Conditions?

Pre-existing conditions are covered after the completion of 4 years waiting period.

Q.Will Coronavirus Be Covered In Care Senior Plan?

Yes, it covers coronavirus treatment, subject to policy terms and conditions.

Q.What are the Documents Required for Care Senior?

Proposer details and health declaration are the documents required to buy Care Senior Plan.

Q.Do I Need to Go for Medical Checkup Before Buying Care Senior Health Insurance?

No, you do not need to go for a medical checkup before buying Care Senior Plan. However, for pre-existing disease or any other adverse medical history, the tele under-writer may request few medical tests.