Save tax up to ₹75,000 ~ u/s 80D.
Save tax up to ₹75,000 ~ u/s 80D.
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.
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:
Cover Highlights
KEY FEATURES | ₹3L | ₹5, 7, 10L |
---|---|---|
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 |
Pre-hospitalization
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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
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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
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Max 5 days per hospitalization covered
|
Rs. 500 per day | -- |
Ambulance Cover
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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
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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
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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
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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
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If you feel uncertain about your diagnosis, you can opt for a second opinion, arranged by us for specified critical illness.
|
||
Alternate Treatment
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Alternate treatment is only covered if hospitalization exceeds more than 24 hours
|
Up to ₹ 15,000 | Up to ₹ 20,000 |
No Claim Bonus
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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
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Under this plan, you get Annual health check-up for all insured members, covered as adults, regardless of claims history.
|
||
Room Rent
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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
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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
info
|
Up to ₹ 50,000 | Up to ₹ 65,000 |
Treatment for Ailment like Surgery for Cancer, bone breakage etc
info
|
Up to ₹ 2 Lakh | Up to ₹ 2.5 Lakh |
Look for hospitals around you
There is no upper age limit to avail of Care for Senior Citizens Mediclaim.
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.
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.
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.
The eligibility criterion for Care for Senior Citizen Health Insurance is:
Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
^^Number of Cashless Healthcare Providers as of 31st March 2024
**Number of Claims Settled as of 31st March 2024
~~10% discount is applicable for a 3-year policy
Get the best financial security with Care Health Insurance!
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