Save tax up to ₹75,000^~ u/s 80D

Senior Health Advantage - Silver Plan

An Extensive Coverage for Ageing Parents!

Affordable Premium
No Claim Bonus
Unlimited E-Consultation
Reduced PED Waiting Period

Insured 7,00,00,000+ lives

Comprehensive Health Coverage for Your Golden Years!

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Plan Features

money

Affordable Premium

redeem

No Claim Bonus

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Unlimited E-Consultation

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Reduced PED Waiting Period

stethoscope

Annual Health Check-up

medication_liquid

AYUSH Treatment

nephrology

Organ Donor Cover

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Day Care Treatment

home_health

Domiciliary Hospitalisation

ambulance

Road Ambulance Cover

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Product Benefits

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Prospectus

Product Benefits

Key Features	₹ 7 L, 10 L, 15 L, 25 L, 50 L & 1 C
In-Patient Care Coverage of treatment expenses that required you to stay in the hospital for more than 24 Hours . Expenses covered include Room Rent Charges, ICU Charges, Diagnostics etc.while you are admitted in a hospital.	Up to SI
Day Care Treatment Coverage of treatment expenses that required you to stay in a hospital for less than 24 Hours. We cover all Day Care Procedures like Cataract, Chemotherapy, Dialysis, removal of Stone etc.	All Day Care Procedures
Advance Technology Methods Coverage of Expenses incurred on treatment using specified Advanced Technology methods during hospital stay.	Up to SI
Pre-Hospitalisation Medical Expenses Coverage of expenses incurred on Doctor Fees, prescribed diagnostics and prescribed pharmacy 60 days prior to hospitalization.	60 days prior to hospitalisation
Post-Hospitalisation Medical Expenses Coverage of expenses incurred on Doctor Fees, prescribed diagnostics and prescribed pharmacy 180 days post discharge from hospital	180 days post hospitalisation
AYUSH Treatment Coverage of treatment expenses that required you to stay in the hospital for more than 24 Hours . Expenses covered include Room Rent Charges, ICU Charges, Diagnostics etc.while you are admitted in a hospital.	Up to SI, if hospitalisation takes place in an AYUSH-certified clinic
Domiciliary Hospitalisation Coverage of treatment expenses that required you to start treatment at home under specified circumstances. The Treatment at home should continue for atleast 3 Days.	Up to SI
Organ Donor Cover Coverage of expenses incurred on an operation performed on donor to remove the organ.Removed Organ should be used for insured member. Pre and Post Hospitalization expenses incurred on donor not payable. The Donor should meet all the requirement as speciefied by GOI.	Up to SI
Ambulance Cover Coverage of expenses for hiring a road ambulance for transporting insured to hospital for admission or for shifting insured from one hospital to another for better treatment or for moving insured from hospital to home.	Upto Rs.10,000 per Year for SI < 15 Lacs & Upto SI for SI >= 15 Lacs
Cumulative Bonus we will reward you with upto 100% increase in SI. There will be no reduction in accrued bonus on renewal due to claim.	50% of SI per year, max up to 100% of SI
Unlimited Automatic Recharge You will never run out of coverage due to multiple hospitalization in a policy year. We will recharge policy with an amount equal to SI opted unlimited times in a policy year. This additional amount can be used for multiple hospitalization for related or unrelated illness	Available
Unlimited E-Consultations Avail Unlimited e-consultation from a general Physician by booking appointmemnt through mobile application.	Available
Health Services Discount Connect - Discounts on services such as consultations, diagnostics, maternity etc at our network.	Available

Plan Highlights

Affordable premiums designed specifically to meet the healthcare needs of senior citizens.
No sub-limits and caps on expenses for pre- and post-hospitalisation, AYUSH treatment, domiciliary hospitalisation, and organ donor cover.
No Claim Bonus increases coverage by 10% of Sl for each claim-free year, with a maximum of 50% of Sl.
Annual health check-up benefit to help monitor and manage health proactively.
Unlimited E-consultations and discounts on Diagnostics, Pharmacy, & Consultations.
There is no upper age limit for purchasing the policy.

Plan Details

Policy Terms
Exclusions

Claim Process

Cashless
Reimbursement

Locate Your Healthcare Providers

Hospital Locator

Hospital List

Popular Cities

Mumbai
Chennai
Kolkata
Bengaluru
Pune
Hyderabad
New Delhi
Ahmedabad

Our Extensive Network

22100+
Cashless Healthcare Providers^^

1400+
Cities Across India

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Frequently asked questions

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

Before buying Senior Citizen Health Insurance, consider the insurer's claim settlement ratio, waiting periods, pre-policy medical check-up requirements, domiciliary treatment coverage, hospital network, and lifelong renewability benefits.

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

In health insurance, the premium is calculated based on the probability of hospitalisation. Older members are more susceptible to illness and therefore have a higher likelihood of hospitalisation. Therefore, senior-citizen health insurance premiums are higher than those for standard 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 plan.

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 22100+ 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.

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Senior Health Advantage: UIN - CHIHLIP22223V012122

## 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 Dec 2025

**Number of Claims Settled as of Dec 2025

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

Entry Age - Minimum	60 Years
Entry Age - Maximum	No Upper Age Limit
Exit Age	Lifelong Renewal
Cover Type	Individual - Up to 6 Members with Age >=60 Years, Floater - 2 Adults
Tenure Options	1/2/3 years
Relationship Allowed	Self, Spouse, Dependent Son, Dependent Daughter, Dependent Parents, Dependent Parents-in-law.
Co-Payment	50% on all claims made until age 70. Additional 10% co-payment on all Claims made after Age >70.
Initial Waiting Period	30 Days
Named Ailments Wait Period	24 months
Pre-Existing Disease Wait Period	24 Months

Senior Health Advantage - Silver Plan

Comprehensive Health Coverage for Your Golden Years!

Terms & Conditions of Premium Quote Generation

Plan Features

More About Product

Product Benefits

Plan Highlights

Plan Details

Claim Process

Locate Your Healthcare Providers

22100+Cashless Healthcare Providers^^

1400+Cities Across India

Voice of Customer

Frequently asked questions

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

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

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

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

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

Secure Your Finances Now!

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22100+
Cashless Healthcare Providers^^

1400+
Cities Across India