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Senior Health Advantage - Silver Plan

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.

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Reasons to Choose Care Health Insurance?

  • Healthcare Networks
    24800+ CASHLESS HEALTHCARE PROVIDERS^^
  • Claim settled ratio
    48 Lakh+INSURANCE CLAIMS SETTLED**
  • Claim settled
    24*7CLAIM AND CUSTOMER SUPPORT

Get affordable health coverage with Senior Health Advantage

Get a Free Quote

Get 5% Discount on Buying Policy Digitally~~

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Senior Health Advantage - An Extensive Health Cover for Ageing Parents

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.

Annual Health Check-up Benefits

With Senior Health Advantage, you will also be benefitted with annual health check-up of the following medical tests##:

  • Complete Blood Count with ESR
  • Urine Routine
  • Blood Group
  • Fasting Blood Sugar
  • Lipid Profile
  • Kidney Function Test
  • ECG

Cover Highlights

Affordable Premium

Affordable Premium

Annual Health Check-up

Annual Health Check-up

2-yr PED Waiting Period 

2-yr PED Waiting Period 

Unlimited E-Consultations

Unlimited E-Consultations

Up to 50% No Claim Bonus

Up to 50% No Claim Bonus

Features of Senior Health Advantage

See all Sum Insured Options east

KEY FEATURES 5L 10L
Pre-hospitalization Medical Expenses
info 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
info 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
info Plan covers hospitalisation in any room up to Twin Sharing.
Twin Sharing Room Twin Sharing Room
ICU Charges
info 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
info 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
info 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
info 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
info 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
info 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
info 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
info 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
info 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
info 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
info 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
info 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
info 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:-
  • Cerebrovascular Accident and Cardiovascular Diseases
  • Cancer (Including Chemotherapy / Radiotherapy)
  • Medical Renal Diseases (Including Dialysis)
  • Treatment of Breakage of Long Bones
Up to Rs.2, 00,000 Up to Rs.2,50,000
Brochure

Download the Brochure for Senior Health Advantage Complete Plan Details

Download Senior Health Advantage complete plan details

Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!

Eligibility Criteria for Senior Health Advantage Plan

  • 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

Download Terms & Conditions
  • 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

Approval letter sent by the claim management team

Query

Query

Hospital/Insured to response to the query raised by the claim management team

Rejected

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

Approval letter sent by the claim management team

Query

Query

Insured to response to the query raised by the claim management team

Rejected

Rejected

We will communicate the reason in case of rejection

24800+Health Care Providers Serving Cashless Medical Services Across The Globe

Look for hospitals around you

Detailed Hospital List
24800+ Health Care Providers Across The Globe
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Voice of Our Customer

M
Mahima
Senior Health Advantage
5

Happy with service

Fast nd nyc services. Thnks
VR
Vikas Rohilla
Senior Health Advantage
4

Nice but too many conditions

my health insurance plan help me when i hospitalised due to cyst. but too much charges for other things like gloves, masks etc etc
RR
Rohit Ranjan
Senior Health Advantage
5

helpful in need

claim approved successfuly. thnku so much!!!
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 (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.

Awarded As Claims

Best Health Insurance
Company of the Year*

Total Claims Paid

48 Lakh + Claims Settled**

Cashless Claim

24800+
CASHLESS HEALTHCARE PROVIDERS^^

**Number of claims settled as of 30th March 2024     *India Insurance Summit & Awards 2023

Q. What should I consider before buying Health Insurance for Senior Citizens?

Below are a few significant points you must consider while buying Health Insurance for Senior Citizens:

  • Claim Settlement Ratio
  • Pre-policy Health Check-up
  • Wait Period
  • Domiciliary Treatment Option

Q. Why is the senior citizen health insurance premium higher than normal health insurance?

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.

Q. Is there any maximum age to buy Senior Health Advantage?

No, there is no upper age limit to buy Senior Health Advantage.

Q. Does Care Health Insurance offer cashless hospitalisation under the Senior Health Advantage Plan?

Yes, we offer cashless hospitalisation under the Senior Health Advantage Plan only for our 20,800+ cashless healthcare providers.

Q. How do I calculate the premium for the Senior Health Advantage plan?

You can fill in your details in our Get Quote section and find detailed calculations of your premium.

## Available as Cashless on Network Labs.

~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

~~5% digital discount applicable as per policy terms. Renewal discounts are offered if you meet the wellness goals set under the wellness benefit program.

Brochure

Download the Brochure for Senior Health Advantage Complete Plan Details

Download Senior Health Advantage complete plan details

Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!

Secure Your Finances Now!

Get the best financial security with Care Health Insurance!

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