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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
|
Up to ₹ 50,000 | Up to ₹ 65,000 |
Treatment for Ailment like Surgery for Cancer, bone breakage etc
|
Up to ₹ 2 Lakh | Up to ₹ 2.5 Lakh |
Download the Brochure for Care Senior Complete Plan Details
Download Care Senior complete plan details
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20800+ Health Care Providers Serving Cashless Medical Services Across The Globe
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20800+ Cashless Providers
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.
Senior citizens deserve timely healthcare. Care Senior is helpful to ensure their post-retirement life worry-free. Below are its unique features:
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:
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.
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:
The eligibility criterion for Care for Senior Citizen Health Insurance is:
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Most Frequently Asked Questions
There is no upper age limit to avail of Care senior health insurance.
The premium amount is subject to the age, sum insured, no insured persons, pre-existing diseases, and policy terms & conditions.
Pre-existing conditions are covered after the completion of 4 years waiting period.
Yes, it covers coronavirus treatment, subject to policy terms and conditions.
Proposer details and health declaration are the documents required to buy Care Senior Plan.
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.
Yes, the initial waiting period for any illness is 30 days, for named ailments 24 months, and for pre-existing diseases 48 months waiting period.
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 25th March 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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