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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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Get affordable health coverage with Senior Health Advantage Plan

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15% discount
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    Reasons to Choose Care Health Insurance?

    • Healthcare Networks
      19000+ Cashless Healthcare Networks*
    • Claim settled ratio
      95.2%Claim Settlement Ratio**
    • Claim settled
      30 Lakh+Claims Settled^^

    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 arrow close

    KEY FEATURES 5L 10L
    Pre-hospitalization Medical Expenses
    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
    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
    Plan covers hospitalisation in any room up to Twin Sharing.
    Twin Sharing Room Twin Sharing Room
    ICU Charges
    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
    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
    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
    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
    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
    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
    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
    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
    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
    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
    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
    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
    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
    SHOW MORE BACK TO PAGE

    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

    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

    • 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

    19000+ health care providers serving cashless medical services across the globe

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    Voice of Our Customer

    Keshav Pal Singh

    review 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

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

    Arun Sharma

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

    Krishna Verma

    review 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

    review 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!
    Ankita Sharma

    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

    Indubala Nambiar

    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

    Vikas Singh

    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

    Sahil Khattar

    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

    Aditya Sharma

    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 (CHI) (formerly known as Religare Health Insurance Company Limited) 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.

    Care Health Insurance

    Awarded as Claims
    Leader of the year

    Care Health Insurance

    30 Lakh + Claims Settled^^

    Care Health Insurance

    Cashless claim processing
    in approx. 2 hours

    ^^number of claims settled as on February, 2022

    FAQs about Senior Health Advantage

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    Most Frequently Asked Questions

    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 premium for senior citizen health insurance higher than normal health insurance?

    In Health Insurance premium is calculated on the probability of Hospitalization. Aged members are more susceptible to falling sick and hence the more Chances of Hospitalization. Therefore, the premium for senior citizen health insurance 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.How do I book myself for an annual health check-up?

    You have to do advance booking either through Customer Mobile Application or Partner Portal.

    Q.What is the waiting period for declared Pre-existing diseases?

    There is just 2 year waiting period for declared PED.

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

    Yes, we do offer cashless hospitalisation under the Senior Health Advantage Plan only at our 19000+ cashless healthcare providers.

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

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

    Q.What is Claim Settlement process?

    It is simple

    • Cashless:
    • Check Empanelled Hospitals on www.careinsurance.com
    • Visit TPA desk at Hospital with Policy Number, Photo ID of the Insured & previous medical records and doctor consultation.
    • Fill Claim form available at TPA desk.
    • Re-imbursement
    • Download Claim form from www.carehealth insurance.com
    • Completely fill the Claim form. Form should be signed by Treating Doctor and Hospital.
    • Submit Duly filled claim form, Medical Reports, Bills and Indore case papers through customer mobile application or Customer Portal.
    • Send the Originals documents to "Care Health Insurance Limited, Unit no 604-607, 6th Floor, Tower C, Unitech Cyber Park, Sector 39, Gurgaon – 122001"

    ** Available as Cashless on Network Labs.

    ** Available on advance booking through Customer Mobile Application or Partner Portal.

    Reach out to us
    Whatsapp 8860402452

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