Covid Banner

Buy Online to Avail 5% Digital Discount


Time left to Save TaxSave Tax u/s 80D

  • days
  • Hours
  • Min
  • Sec
phone_in_talk Buy Policy : 1800-102-4499

We thank you for your interest in Care Health Insurance. Our expert will call you soon to assist you

Let us help you find
a Perfect Plan

Get a call back from us

Or call us on our toll free number


Thank you!

We thank you for your interest in Care Health Insurance . Our expert will call you soon to assist you.

Message Welcome to Live Chat Close

Start Chat



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.

View More

Reasons to Choose Care Health Insurance?

  • Healthcare Networks
  • Claim settled ratio
  • Claim settled

Turned 60? Enjoy Your Retirement Life Worry-Free

Get a Free Quote

Save Upto 10% on Health Insurance Prmium##

arrow_back Select Family members you want to cover

arrow_back Select the age of each family member

arrow_back Where do you live? Help us with your city pincode

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 east

In-Patient Hospitalization
info 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
info 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
info 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
info 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
info Max 5 days per hospitalization covered
Rs. 500 per day --
Ambulance Cover
info 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
info 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
info 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
info If you ever run out of your health cover due to claims made, we will reinstate the entire Sum Insured amount of your policy.
check check
Second Opinion
info If you feel uncertain about your diagnosis, you can opt for a second opinion, arranged by us for specified critical illness.
check check
Alternate Treatment
info Alternate treatment is only covered if hospitalization exceeds more than 24 hours
Up to ₹ 15,000 Up to ₹ 20,000
No Claim Bonus
info 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.
check check
Annual health check-up
info Under this plan, you get Annual health check-up for all insured members, covered as adults, regardless of claims history.
check check
Room Rent
info 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
info 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

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
Map empty

Voice of Our Customers

Nabi Ahmed December 19, 2023
Care Senior

Happy with service

I am very happy with the claim team especially Mr. Fahad. Claim easily approve krwa diya aur reimbursement bhi 10 din mein aagya.
Kamlesh Devi December 18, 2023
Care Senior

Nice work

I rate my experience above good. The enthusiasm of the team and especially Mr. Duggal made my process quick and hasslefree. I would now recommend this plan my heart for standing beside and making my second innings life easy.
Deepanjali Gurjar December 18, 2023
Care Senior

Could not find network hospital.

My mother needed hospitalisation due to dengue but i could not find network hospital near me.
Parwana Maqsud December 17, 2023
Care Senior

satisfied response

Had a good experience with claim team. Claim easily approve krwa diya aur reimbursement bhi 10 din mein aagya.
Deerika Prasad December 15, 2023
Care Senior

Difficult Claim Process

I spent too much time on hold before being able to speak with someone. then i had to represent a lot of document for my fathers claim. so tiring
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 (CHI) 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

Best Health Insurance
Company of the Year*

Total Claims Paid

38 Lakh + Claims Settled**

Cashless Claim


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

FAQs On Care Senior Plan

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
Whatsapp 8860402452
phone_in_talk 1800-102-4499



Get Expert Advice


Chat with Us


Chat with Us

Please Select Chat Option ×
Buy New policy To explore and buy a new policy
Existing policy enquiry for assistance with your existing policy