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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.

Safeguard your 40s with our Care for 45+ Plan

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Reasons to Choose Care Health Insurance?

21100+ CASHLESS HEALTHCAREPROVIDERS^^
95.2% INSURANCE CLAIMSETTLEMENT RATIO*
30 LACS+ CLAIMS SETTLEDSUCCESSFULLY*

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

Organ Donor

Emergency ambulance

Day care treatments

Post-hospitalization
expenses

Features of Care for 45+

See all Sum Insured Options

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
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
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
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
Sub-limits
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

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Annexure–1

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%

Note: For the purpose of Sr. No. I to IV above, physical separation of a hand or foot shall mean separation of the hand at or above the wrist, and of the foot at or above the ankle.

For the purpose of this Benefit only:

(i) “Hemiplegia” means complete and irrecoverable paralysis of the arm, leg, and trunk on the same side of the body

(ii) “Paraplegia” means complete and irrecoverable paralysis of the whole of the lower half of the body (below waist) including both the legs

(iii) “Quadriplegia” means complete and irrecoverable paralysis of all four limbs

Add-ons to cover your specific needs

Covid Care

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

See Details

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

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

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

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

Keshav Pal Singh

Recently, I have taken a policy for my mother. Hassle free insurance buying process. Highly Recommend Care Do keeps up the good work.

Rukhsar Khan

I would like to appreciate your service, support and guidance to settle claim on time.

Arun Sharma

Mr Promod was very helpful in explaining product features & claim settlement process. Keep it up!

Krishna Verma

Thank you for helping me in bad situation when my dad was hospitalized. Buying Senior Citizen Health Plan was the wiser decision I have taken.

Radhika Gaur

Care Health Insurance was awesome, helped me a lot like family with hospitalization formalities of my dad when I was very tense due to his sudden illness. Really appreciate!

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

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 21100+ 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.

*Claim Settlement Ratio is for FY 19-20 and number of claims settled till February 2022.

^^Number of Cashless Healthcare Providers till 31st Dec 2022

**10% discount is applicable for a 3-year policy

Care For 45+

Reasons to Choose Care Health Insurance?

What is Care For 45+ Plan?

Plan Highlights of Care For 45+ Plan

Features of Care for 45+

Add-ons to cover your specific needs

Care for 45+ Health Insurance Plan

Voice of Our Customers

FAQs on Care for 45+

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

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

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

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

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