Care Senior

Overview

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.

Care Senior Riders

Care Health Insurance for senior citizens offers various coverage benefits along with some add-on riders. You can get these additional benefits by paying a little extra premium.

Care Senior offers a number of optional riders to fulfill your specific needs:

COVID Care

Covers the cost of treatment for COVID-19 with a confirmative diagnosis from a Government-approved center. Benefits available under this rider include:

• In-patient care
• Day care treatment
• Sub-limit of 1% of Sum Insured per day, maximum up to 30 days
• 30 days of pre-hospitalization
• 60 days of post-hospitalization

Reduction in PED

This rider decreases the waiting period for pre-existing diseases from 48 months to 24 months.

No Claim Bonus Super

This rider offers a 50% increment in the sum insured for every claim-free year, up to a maximum of 100% of the Sum Insured per policy. It also offers the combined benefit of a No Claim Bonus and a No Claim Bonus Super, providing a 60% increment in sum insured for every claim-free year. If a claim is made in any year, the No Claim Bonus and No Claim Bonus Super will be decreased at the same rate at which they accrued.

OPD Care

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. Coverage ranges between INR 5,000 to INR 50,000.

Co-payment Waiver

By choosing this rider, you can waive the 20% co-payment if the insured or the eldest insured member is 61 years or above.

Care Shield

A combination of 3 additional benefits:

• Claim Shield: Covers non-payable expenses like gloves, masks, etc.
• No Claim Bonus Shield: Applicable if the claim amount is less than 25% of the Sum Insured.
• Inflation Shield: The Sum Insured will increase at every renewal on a cumulative basis.

Exclusions

• Hospitalization due to war, riot, strike, and nuclear weapons
• Intentional self-injury
• AIDS
• Miscarriage and abortion
• Congenital disease
• Infertility and in vitro fertilization
• Listed ailments after 24 months
• Pre-existing diseases after 36 months