Care Senior Plan vs Star Critical Illness Plan Health Insurance Plan 2026 | PolicyX

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Care Senior Citizen is specially designed to offer coverage for individuals above 60 years of age. It provides the flexibility to choose a sum insured that best suits your healthcare needs and will not be a financial burden, especially after retirement. Enjoy your second innings to the fullest, as the Care Senior plan will take care of your health-related financial issues.

PLAN DETAILS

Care Senior Plan

Star Critical Illness Plan

Product Type Senior Citizen Health Insurance Critical Illness Health Insurance
Key Features
(Key features of the plan)
  • No pre-policy check-up
  • Annual rewards available
  • Reduction in wait period
  • Lump sum payout
  • Accidental hospitalisation cover
  • Non-allopathic treatments cover
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Covered -
Room Rent
(A limit of room rent cover during hospitalization if any)
Covered -
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Covered -
Pre-hospitalization
(Expenses before the insured is hospitalized)
Covered -
Post-hospitalization
(Expenses after discharge from the hospital)
Covered -
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Covered -
Hospital_network
(Number of Hospital Network in city)
11400+ 14000
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
Covered -
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
Covered -
Ambulance Charges
(Expenses incurred on ambulance charges)
Covered -
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
Not Covered -
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
Not Covered -
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Covered -
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Covered -
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
Covered -
Plan Entry Age 61 Years - No max age limit -
Plan Premium Entry Age and S/A 14,448 -
Plan Waiting Period 30 -
Plan Coverage Senior Citizen Coverage -
Plan Sample Premium 14,448 -
Plan Brochure Brochure URL Brochure URL
Policy Term 1,2,3 Years -
ICU Charges Covered -
Covid-19 Treatment Covered -
Cataract Covered -
Automatic Restoration Covered -
Ayush Treatment Covered -
Modern Treatment Not Covered -
E Consultation Not Covered -
Air Ambulance Not Covered -
Global Coverage Not Covered -
Claim Ratio 97 99.06
Solvency Ratio 1.74 2.21
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