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Care For 45+

Care for 45+ a health insurance plan designed for the 45 and above that caters to the healthcare needs of middle-aged people. You can now ensure acceptable healthcare costs and make post-retirement savings with this plan.

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Safeguard your 40s with our Care for 45+ Plan

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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 For 45+ Plan?

    It is easier to navigate the ups and downs, turns and twists of life if you prepare to live without risk and have a suitable backup. Care for 45+ is a health insurance plan if you are 45 or above and still debating whether you need it. Care Health Insurance safeguards your financial security against unforeseen illnesses or accidents. This health insurance plan will cover your medical demands as you age, to be wise.

    Plan Highlights of Care For 45+ Plan

    • Affordable policy with extensive coverage.
    • Available on a floating basis for both individuals and families.
    • Numerous sums insured are available, ranging from Rs. 5 lakh to Rs. 10 lakh.
    • SI can rise by up to 150% while using NCB.
    • All insured members receive a super-annual health checkup.
    • Automatic renewal of SI up to the amount of insurance for a separate illness.
    • Coverage for advanced technological procedures, including robotic surgery and HIFU.
    • Alternative therapies including AYUSH for long-term healing.
    • Optional perks available to supplement the policy's protection.
    • In 8350+ network hospitals to avail cashless benefit.
    • Tax advantage under Section 80D to maximise savings.

    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 Care for 45+

    See all Sum Insured Options arrow close

    KEY FEATURES 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
    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
    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
    We cover the relevant medical expenses such as doctor consultation, Diagnostic tests, medications etc. incurred up to 60 days post your hospitalization.
    60 days
    Ambulance Cover
    In an emergency, we reimburse expenses incurred by you for availing a domestic road ambulance during your 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 ₹ 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
    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 ₹ 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.
    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
    Tenure 1 Yr/2 Yrs/3 Yrs
    Treatment of Cataract Up to ₹ 30,000 per eye
    Treatment of Total
    Knee Replacement
    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 ₹ 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 ₹ 2.5 Lakh

    Add-ons to cover your specific needs

    Covid care

    Covid Care

    Covers expenses incurred for treatment/quarantine for (COVID-19) with a confirmative diagnosis from Govt. Authorized Centre.

    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
    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
    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

    OPD Care

    An Add-On cover that takes care of expenses incurred on Doctor Consultations, Pharmacy & Investigative Tests

    See Details

    Care for 45+ Health Insurance Plan

    • Entry age - Minimum

      • Individual : 46 Years

      • Family Floater : 91 days with at least 1 insured member above 45 Years of Age

    • Entry age - Maximum

      • Adult : 60 Years

      • Child : 24 Years

    • Life long Renewability

    • Waiting period name ailment -

      • Named Ailment Waiting Period - 24 months of continued coverage

      • Pre-existing Disease Waiting Period - 48 months of continued coverage

    • Initial Wait Period 30 Days for all Illness except Accidental injury

    Kindly refer to Terms & Conditions for detail list

    • Any diagnosis of diseases / undergoing of surgery / occurrence of event, whose signs or symptoms first occur within 30 days of Policy Period Start date.

    • 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


    Intimate within 24 hours of your hospitalization

    Planned Hospitalization

    Intimate us 48 hours prior to your hospitalization

    STEP 2


    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


    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

    Reviews and ratings are coming soon. Please visit again or read all product reviews here.
    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 for 45+


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    Most Frequently Asked Questions

    Q. Do I need to undergo a pre-policy medical check-up to buy a Care for 45+ policy?

    No pre-policy medical check-up is required to buy this policy.

    Q. Can I include my family members in Care for 45+ policy?

    You can include a maximum of 6 family members in the Care for 45+ family floater plan.

    Q. Is there any tax benefits under Care for 45+?

    Under section 80D of the Income Tax Act of India 1961, the premium paid for this policy gets tax exemption.

    Q. How many cashless healthcare providers are there under Care for 45+ policy?

    We have approx 22900+ cashless network providers across India.

    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

    Reach out to us
    Whatsapp Chat 8860402452