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.
Cover Highlights
KEY FEATURES | ₹5, 7, 10L | ||
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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.
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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.
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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.
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60 days | ||
Ambulance Cover
In an emergency, we reimburse expenses incurred
by you for availing a domestic road ambulance during your
hospitalization.
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Upto ₹ 2,000 per hospitalization |
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Organ Donor
We reimburse you the medical expenses that are incurred by you on the organ donor for organ harvesting operation.
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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.
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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.
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Second Opinion
If you feel uncertain about your diagnosis, you can opt for a second opinion, arranged by us for specified critical illness.
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Alternate Treatment
Alternate treatment is only covered if hospitalization exceeds more than 24 hours
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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.
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Annual health check-up
Under this plan, you get Annual health check-up for all insured members, covered as adults, regardless of claims history.
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Room Rent
We reimburse expenses occurred while you're staying in a hospital.
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Single Private Room (Max. Up to 1% of SI per day) |
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ICU Charges
We take care of ICU charges incurred during your hospitalization.
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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
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Up to ₹ 65,000 | ||
Treatment for Ailment like Surgery for Cancer, bone breakage etc
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Up to ₹ 2.5 Lakh |
22900+ HEALTH CARE PROVIDERS SERVE CASHLESS MEDICAL SERVICES ACROSS THE GLOBE
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Most Frequently Asked Questions
No pre-policy medical check-up is required to buy this policy.
You can include a maximum of 6 family members in the Care for 45+ family floater plan.
Under section 80D of the Income Tax Act of India 1961, the premium paid for this policy gets tax exemption.
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
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