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Senior Health Advantage is a promising and affordable Health Insurance plan safeguarding senior citizens. Gift your parents a safety cushion and keep their health secure in their golden years.
View MoreReasons to Choose Care Health Insurance?
Elders are the pillar of everyone’s family, and their protection is paramount. After the age of 60, elders become more susceptible and often need frequent visits to the doctor. Therefore, one should always be careful of their well-being and choose a health plan to safeguard them in their 60s.
According to a survey, 75 Lac families are impoverished yearly due to skyrocketing and unaffordable medical costs. To not let money be a barrier, Care Health Insurance has launched Senior Health Advantage- a thoughtfully designed plan for all those who can’t pay the exorbitant premium cost during the renewal. Hence, this exclusively tailored plan will enable those holding back their plans to buy a Senior Citizen Health Insurance.
With Senior Health Advantage, you will also be benefitted with annual health check-up of the following medical tests##:
Cover Highlights
Affordable Premium
Annual Health Check-up
2-yr PED Waiting Period
Unlimited E-Consultations
Up to 50% No Claim Bonus
| KEY FEATURES | ₹5L | ₹ 10L |
|---|---|---|
| Pre-hospitalization Medical Expenses
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Expenses related to Doctor Consultation Fee, Prescribed diagnostics and Prescribed medicines are covered 30 Days prior to hospitalisation
|
30 Days | 30 Days |
| Post-hospitalization Medical Expenses
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Expenses related to Doctor Consultation Fee, Prescribed diagnostics and Prescribed medications are covered 60 Days post discharge from Hospital
|
60 Days | 60 Days |
| Room Rent
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Plan covers hospitalisation in any room up to Twin Sharing.
|
Twin Sharing Room | Twin Sharing Room |
| ICU Charges
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Covers the cost of expenses incurred in the Intensive Care Unit Room during hospitalisation
|
Up to 2% of Sum Insured per day | Up to 2% of Sum Insured per day |
| In-patient Care Treatment
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Coverage of expenses incurred in a hospital provided hospitalisation duration is more than 24 hours.
|
Up to Sum Insured | Up to Sum Insured |
| Daycare Treatments
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Coverage of expenses incurred in a hospital provided hospitalisation duration is less than 24 Hours—daycare treatments such as cataracts, removal of stone from Kidney, dialysis, chemotherapy.
|
All Daycare Procedures | All Daycare Procedures |
| Sub-limit on Hospitalisation related Expenses
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On expenses related to Surgeon, Anaesthetist, Medical Practitioner, Consultants, and Specialist Fees are covered up to 25% of the SI per hospitalisation.
|
Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees subject to a maximum up to 25% of the SI per hospitalisation | Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees subject to a maximum up to 25% of the SI per hospitalisation |
| Advanced Technology Methods
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Expenses incurred on treatments using advanced technology methods like Robotic surgery, stem cell therapy etc during hospitalisation are covered up to the limits as specified in the policy.
|
Covered as per applicable Sub-Limits on treatments | Covered as per applicable Sub-Limits on treatments |
| Domiciliary Hospitalisation
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Coverage of treatment expenses incurred at home, subject to terms and conditions
|
Covered Up to Sum Insured if hospitalization exceeds 3 days. | Covered Up to Sum Insured if hospitalization exceeds 3 days. |
| Organ Donor Cover
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Expenses incurred on organ Harvesting operation performed done on Donor. Harvested Organs should be used for Insured members.
|
Covered Up to Sum Insured | Covered Up to Sum Insured |
| AYUSH Treatment
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Treatment taken using Ayurveda, Homoeopathy, Sidhi or Unani is Covered Up to Sum Insured, subject to terms and conditions.
|
Covered Up to Sum Insured | Covered Up to Sum Insured |
| Road Ambulance Cover
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Expenses incurred on Road Ambulance for transportation of insured to the hospital if advised by treating doctor.
|
Up to 1% of SI or Rs.5000 whichever is lower per hospitalisation | Up to 1% of SI or Rs.5000 whichever is lower per hospitalisation |
| No-claim Bonus
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Increase of SI on renewal in case No claim is made before renewal. The amount can decrease on the next renewal if there is a claim before renewal.
|
10% of SI for every claim-free year, max up to 50% of SI | 10% of SI for every claim-free year, max up to 50% of SI |
| Annual Health Check-up
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Specified Tests are available to each insured once a year. The benefit is available after Prior appointment through a Mobile Application.
|
Available from Day 1 for All Insured Members | Available from Day 1 for All Insured Members |
| Unlimited E-consultations
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Avail unlimited General Physicians consultation through Mobile application.
| Consultations with General Physicians on Mobile Application | Consultations with General Physicians on Mobile Application |
| Other Value Added Services
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Download discount vouchers for availing discount on Doctor Consultation, Prescribed Diagnostics or Prescribed medicines on our listed service providers.
|
Discount Connect – Discounts on services at our network. | Discount Connect – Discounts on services at our network. |
| Sub-limits | ||
| Treatment of Cataract | Up to Rs.40,000 | Up to Rs.40,000 |
| Treatment of Total Knee Replacement | Up to Rs.100,000 | Up to Rs.120,000 |
Treatment for every Ailment / Procedure mentioned below:-
|
Up to Rs.2, 00,000 | Up to Rs.2,50,000 |
Entry age - Minimum : 61 Years
Entry age - Maximum : No Upper Age Limit
Exit Age : Life Long Renewal
Cover Type :
Individual : Up to 6 Members with Age >=61 Years
Floater : 2 Adults
Co-payment :
50% on all claims made till age 70 Years.
Additional 10% co-payment on all Claims made after Age >70.
Tenure Options : 1/2/3 Years
Relationship Allowed : Self, Spouse, Dependent Son, Dependent Daughter, Dependent Parents, Parents-in-law.
Initial Wait Period : 30 Days
Named Ailments Wait Period : 24 Months
Pre-Existing Disease Wait Period : 24 Months
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
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
Look for hospitals around you
My appreciation for your prompt service
Rahul Sangwan
Health Insurance
We will continue to avail of your scheme
Samanway Barik
Health Insurance
Everything went very smooth
Soubhagya K Kulkarni
Health Insurance
Really helpful explaining the process in advance
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 (CHI) 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*
38 Lakh + Claims Settled**
22900+
CASHLESS HEALTHCARE PROVIDERS^^
Below are a few significant points you must consider while buying Health Insurance for Senior Citizens:
In Health Insurance, the premium is calculated on the probability of hospitalisation. Aged members are more susceptible to falling sick and hence the more chances of hospitalisation. Therefore, senior citizen health insurance premium is higher than normal health insurance.
No, there is no upper age limit to buy Senior Health Advantage.
Yes, we offer cashless hospitalisation under the Senior Health Advantage Plan only for our 20,800+ cashless healthcare providers.
You can fill in your details in our Get Quote section and find detailed calculations of your premium.
## Available as Cashless on Network Labs.
#Available on advance booking through Customer Mobile Application or Partner Portal.
^^Number of Cashless Healthcare Providers as of 30th June 2023
**Number of Claims Settled as of 31st May 2023
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