Save tax up to ₹75,000 ~ u/s 80D.
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Save tax up to ₹75,000 ~ u/s 80D.
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Care Senior makes it easier for old age people to pay for medical expenses arising due to treatment. It could be a thoughtful present to your ageing parents as it provides a safety cushion while they age.
View MoreReasons to Choose Care Health Insurance?
Ageing causes a number of health issues that necessitate extensive care and, if not addressed promptly, can result in hospitalisation. Rising medical inflation and the consequently escalating cost of care might ruin your finances and deplete your life savings after retirement. Fortunately, a senior citizen health insurance plan allows you to be financially secure and receive the greatest care when you need it the most. It is the most comprehensive health insurance plan available for people over 60 is Care Senior, offered by Care Health Insurance.
This plan protects elderly people completely from acute medical expenses, allowing them to access the best medical facilities without financial strain. With a reasonable premium that won't strain their finances, especially after retirement, senior citizens can choose the sum insured options according to their healthcare needs. This policy can be purchased without any pre-policy medical checkup beforehand. However, a tele underwriter may seek information about your pre-existing medical conditions, if any. The distinctive features offered by Care Senior include annual health checkups, cashless hospitalisation cover, pre-existing disease cover, 541+ daycare treatments, etc.
With our Care Senior Plan, you can unwind and relish your second innings of life while we take care of your money-related health concerns with the following features:
Cover Highlights
Annual health
check-up
Organ Donor
Emergency ambulance
Day care treatments
Post-hospitalization
expenses
| KEY FEATURES | ₹3L | ₹5, 7, 10L |
|---|---|---|
| In-Patient Hospitalization
info
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 | Upto SI |
| Day Care
info
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 | Upto SI |
| Pre-hospitalization
info
We cover the relevant medical expenses such as investigative tests, routine medication, medications incurred by you up to 30 days before your hospitalization.
|
30 days | 30 days |
| Post-hospitalization
info
We cover the relevant medical expenses such as
doctor consultation, Diagnostic tests, medications etc. incurred up to 60
days post your hospitalization.
|
60 days | 60 days |
| Daily Allowance
info
Max 5 days per hospitalization covered
|
Rs. 500 per day | -- |
| Ambulance Cover
info
In an emergency, we reimburse expenses incurred
by you for availing a domestic road ambulance during your
hospitalization.
|
Upto ₹ 1,500 per hospitalization |
Upto ₹ 2,000 per hospitalization |
| Organ Donor
info
We reimburse you the medical expenses that are incurred by you on the organ donor for organ harvesting operation.
|
Upto Rs ₹ 50,000 | Upto Rs ₹ 1 Lac |
| Domiciliary Hospitalization
info
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.
|
Up to 10% of SI | Up to 10% of SI |
| Automatic Recharge
info
If you ever run out of your health cover due to
claims made, we will reinstate the entire Sum Insured amount of your
policy.
| ||
| Second Opinion
info
If you feel uncertain about your diagnosis, you can opt for a second opinion, arranged by us for specified critical illness.
|
||
| Alternate Treatment
info
Alternate treatment is only covered if hospitalization exceeds more than 24 hours
|
Up to ₹ 15,000 | Up to ₹ 20,000 |
| No Claim Bonus
info
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.
|
||
| Annual health check-up
info
Under this plan, you get Annual health check-up for all insured members, covered as adults, regardless of claims history.
|
||
| Room Rent
info
We reimburse expenses occurred while you're staying in a hospital.
|
Up to 1% of SI per day | Single Private Room (Max. Up to 1% of SI per day) |
| ICU Charges
info
We take care of ICU charges incurred during your hospitalization.
|
Up to 2% of SI per day | Up to 2% of SI per day |
| Tenure | 1 Yr/2 Yrs/3 Yrs | 1 Yr/2 Yrs/3 Yrs |
| Sub-limits | ||
| Treatment of Cataract | Up to ₹ 20,000 per eye | Up to ₹ 30,000 per eye |
| Treatment of Total Knee Replacement |
Up to ₹ 80,000 per knee | Up to ₹ 1 Lac per knee |
| Treatment for Ailment like surgery for all type of Hernia,etc
info
|
Up to ₹ 50,000 | Up to ₹ 65,000 |
| Treatment for Ailment like Surgery for Cancer, bone breakage etc
info
|
Up to ₹ 2 Lakh | Up to ₹ 2.5 Lakh |
Reduction in PED Wait Period
No Claim Bonus Super
OPD Care
Care Shield
Co-payment Waiver
No Claim Bonus Super
×For 5 consecutive claim free years by using No Claims Bonus (NCB) & No Claims Bonus – Super (Optional Cover).Incremental increase every year is applicable on base Sum Insured. If a claim is made in any particular year, accrued NCB and NCB-Super will be reduced at the same rate at which it is accrued.
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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*
48 Lakh + Claims Settled**
24800+
CASHLESS HEALTHCARE PROVIDERS^^
There is no upper age limit to avail of Care for Senior Citizens Mediclaim.
As per IRDA guidelines, one is eligible to get individual or family floater health insurance up to 65 years of age. There is also the option of lifetime renewability. However, it is recommended to buy Care for Senior Citizen Health Insurance Plan at an early stage of life.
A premium is a pre-decided amount of money that a senior citizen or policy taker has to pay as a health premium after a specified period against the coverage. The premium amount is subject to age, sum insured, number of insured persons, pre-existing diseases, and policy terms & conditions.
Pre-existing conditions mean the illness, injury or other condition that existed before the issuance of the policy. Yes, health insurance policy for senior citizens covers pre-existing conditions but after 4 year waiting period.
The eligibility criterion for Care for Senior Citizen Health Insurance is:
Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
~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
~~10% discount is applicable for a 3-year policy
Get the best financial security with Care Health Insurance!
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