Care Senior Health Plan
  • Special Plan for Senior Citizens
  • Inclusions and Exclusions of the Plan
  • Understand the Simple Buying Process

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Care Senior Health Insurance (Formerly Known As Religare Senior Health Insurance)

Care Senior Health Insurance is a comprehensive health plan that is specially designed to look after the healthcare needs of senior citizens. The plan comes with a wide range of benefits and lets aged people access the healthcare facility without worrying about the expenses. The plan offers both individuals as well as floater cover.

The plan provides affordable coverage for various medical expenses related to age-related illnesses, alternative therapies, surgeries, domiciliary treatment, and expensive daycare procedures. With this plan, you can easily look after your health needs at an affordable premium. The plan makes sure that no senior citizen is left hanging in time of a medical emergency.

To understand this plan in a better way, let us look into the details.

Key Benefits of Care Senior Health Insurance (Formerly Known As Religare Senior Health Insurance)

This health insurance for senior citizens offers customized benefits of great value. Let's discuss them in detail:

1 No Pre-Policy Medical Check-up

To buy this plan, you don't have to go through any pre-policy medical check-up.

2 No Claim Bonus

For every claim-free year, the plan offers a 10% increase in the sum insured, which is referred to as a No Claim Bonus.

3 Alternative Treatment Cover

If the policyholder feels that they are not benefiting from the regular treatment, they can also opt for treatments like Ayurveda, Unani, and Homeopathy.

4 Automatic recharge of Sum Insured

In case your sum insured is exhausted due to the claims made, the plan will automatically recharge your sum insured to protect you from swiping off your savings at the time of a medical emergency.

5 Lifelong Renewability

Once enrolled, the plan allows you to renew your policy for the rest of your life.

Add-on Cover Available Under Care Senior Health Insurance

You will come across several useful add-ons under the umbrella of protection of this plan. Read along to find out the additional benefits that you can purchase with this plan for enhanced protection:

  1. Reduction in PED

    This optional coverage helps you to reduce the applicable PED waiting period from 48 months to 24 months.

  2. Co-payment waiver

    If the insured is 61 years of age or above, by opting for this add-on, they can get rid of the 20% co-payment condition. The insurer will pay medical expenses incurred for hospitalization (subject to policy terms and conditions).

  3. No Claim Bonus Super

    The insured can increase the sum insured amount by 50% for every claim-free year up to a maximum of 100%.

  4. OPD care

    Through this optional cover, one can claim an amount equivalent to their bills at the time of reimbursement. Coverage amount ranges between Rs. 5,000 and Rs. 50,000.

  5. Care Shield

    With this add-on, you get three additional benefits that are Claim Shield, No Claim bonus Shield, and Inflation Shield.

Eligibility Criteria of Care Senior Health Plan

Minimum entry age61 years
Maximum entry ageLifelong
Sum insuredRs. 3, 5, 7, 10 lakhs
Policy tenure options1/2/3 years
RenewalLifelong renewal
Waiting period30 days for any illness except injury
Waiting period for named ailments2 years of continuous coverage
Waiting period for a pre-existing illness4 years of continuous coverage

Sample Premium Illustration of Care Senior Health Plan

To get an idea of how much you need to pay for your health insurance plan, we at PolicyX.com have illustrated a few situations that will help you understand the same.

From the below tables and graphs, get an insight into the premium payable in different scenarios.

The premium payable under Individual Cover and Family Floater Cover with different Sum Insured Options are:

Sum Insured OptionsIndividual (61 years)Floater (Husband 65 years, wife 62 years)
3 Lakhs14,44823,965
5 Lakhs18,17829,095
7 Lakhs21,89835,070
10 Lakhs25,82941,265

Graph Showing Premium Payable by Individuals and Family with Different Sum Insured Options

Graph Showing Premium Payable by Individuals and Family with Different Sum Insured Options

The premium payable by an Individual in different age groups:

Age of an Individual (in years)65707585
Premium Amount (In Rs.)25,82939,52450,93965,544

Graph Showing an Illustration of Premium payable by an Individual in different age groups.

Graph Showing an Illustration of Premium payable by an Individual in different age groups

Premium payable by a couple in different age groups:

Age of Husband & Wife6,5627,0677,5728,077
Premium Amount (In Rs.)41,26567,07288,0391,13,660

Graph Showing an Illustration of Premium payable by a couple in different age groups.

Graph Showing an Illustration of Premium payable by a couple in different age groups

What Does a Care Senior Health Plan Covers?

Being one of the best health insurance for senior citizens, this dedicated health plan covers most of the expenses for the diseases that may arise in older age. Have a look at the below table for the details.

Parameters
Sum Insured Options (in Rs.)
3 Lakhs5 Lakhs, 7 Lakhs, 10 Lakhs
Daycare treatmentsUp to sum insured
Pre-hospitalization expenses30 days
Post-hospitalization expenses60 days
Daily AllowanceRs. 500 per day-
In-patient hospitalizationUp to sum insured
Room RentUp to 1% of SI per daySingle Private Room (Max. Up to 1% of SI per day)
ICU chargesUp to 2% of SI per day
Ambulance coverUp to Rs. 1,500 per hospitalizationUp to Rs. 2,000 per hospitalization
Domiciliary hospitalizationUp to 10% of SI
Organ donor coverUp to Rs. 50,000Up to Rs. 1 Lac
Alternative treatmentsUp to Rs. 15,000Up to Rs. 20,000

What Are The Exclusions Of Care Senior Health Insurance?

The major exclusions are as follows:

  • Treatment expenses for self-inflicted injuries.
  • Problems arising from taking any intoxicating substances.
  • Pregnancy or maternity-related expenses.
  • Internal congenital diseases.
  • Tests and treatments relating to infertility and in vitro fertilization.
  • Hospitalization due to war or due to a nuclear, chemical, or biological weapon and radiation of any kind.

How To Buy Care Senior Health Insurance Online?

Follow the below-mentioned steps to buy this plan in an easy and hassle-free manner:

  • Go to the official website of Care Health Insurance.
  • Go to the 'Health Insurance' tab and click on 'Care Senior'.
  • Enter your 'Mobile Number' and 'Email Id' and click on 'Get Quote'.
  • Fill in the required information and check the premium details.
  • Pay the premium online and the policy document will be shared at your email address.

For more information about this plan, please get in touch with the customer service team of PolicyX.com at 1800-4200-269.

What is the claim process of Care Senior Health Insurance?

To make things simpler and structured for its customers, Care Health Insurance has listed two ways of filing a claim-

Cashless ClaimReimbursement Claim

To understand how both these processes work, refer to the below points:

  1. Cashless Claim

    For a cashless claim, you have to get admitted to one of the authorized network hospitals of the company and the insurer will directly pay the hospital.

    • Authorization: Before availing of treatment and/or incurring medical expenses at a network hospital, the insured or their representative must inform the company within 24 hours in case of Emergency Hospitalization. In case your hospitalization is pre-planned, you need to intimate such admission 48 hours before hospitalization.
    • Send the form: Complete the pre-authorization form available at the hospital's insurance/TPA Desk or download it via the company's website. The hospital will send the form to the company for verification.
    • Approval: The specialist from the company will reflect on your claim and if satisfied, the approval letter will be sent by the claim management team to avail of the treatment.
    • Query: The hospital or the insured has to answer the queries raised by the claim management team.
    • Rejection: If your claim gets rejected, you may initiate the treatment and file for a reimbursement claim.
  2. Reimbursement Claim

    For the reimbursement claim, you can get admitted to any hospital according to your convenience and the amount will be paid by you.

    • Authorization: Before availing of treatment and/or incurring medical expenses at a network hospital, the insured or their representative must inform the company within 24 hours in case of Emergency Hospitalization. In case your hospitalization is pre-planned, you need to intimate such admission 48 hours before hospitalization.
    • Submission: Submit the claim form along with all the required and correct documents like medical certificate issued by the doctor, discharge papers, duly filled form, and more to the below company's address.

Care Health Insurance Limited (formerly known as Religare Health Insurance Company Limited), Unit No. 604 - 607, 6th Floor, Tower C, Unitech Cyber Park, Sector-39, Gurugram-122001 (Haryana).

  • Approval: The specialist from the company will reflect on your claim and if satisfied, the approval letter will be sent by the claim management team.
  • Rejection: In case of rejection of the claim, the company will directly communicate with you with the details and reasons.

Care Health Insurance Plans (Formerly Known As Religare Health Insurance)

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FAQs

1. How to calculate Care Senior Health Insurance Premium?

The premium is a pre-decided amount of money that a policy taker has to pay for a specified period, against the coverage. The amount of premium of Care Senior plan is subjected to the age of the person, the sum insured, pre-existing diseases, policy term, etc.

2. What is the waiting period under Care Senior Health Insurance?

It's divided into three parts-

  • 30 days for any illness except injury.
  • 2 years of continuous coverage for named ailments.
  • 4 years of continuous coverage for pre-existing conditions.

3. What is the grace period under Care Senior Health Insurance?

30 days is the grace period.

4. I am 67 years old. Can I buy the Care for Senior Citizen Plan?

Yes, of course. There is no maximum entry age for this policy.

5. How many cashless healthcare providers are associated with Care Health Insurance?

There are 15,500+ healthcare providers associated with the company.

Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4/5 (26 Total Rating)

March 6, 2021

N stanley moses
Bengaluru

I am really very much satisfied with the service of policyx and i am very thanful to them in general and mr sanjiv in particular

July 16, 2020

Davuluri Venkata Sambasivarao
Vijayawada

Policyx is the best insurance web aggregator I have seen.Mrs Mayuri on behalf of policyx has helped me in choosing the best health plan and provided me fast and trustful service

July 16, 2020

Davuluri Venkata Sambasivarao
Vijayawada

Policyx has provided the best service as insurance web aggregator.It guided me in choosing the best health plan.

May 27, 2020

Monik Lakhani
Mumbai

Shubham has been prompt in providing information. He is a good salesman hope he provides good service too

May 16, 2020

Tushara sai srujan
Hyderabad

I had never heard of this company before. Intialy like all peiple i had doubt of cybre crime but. But Miss Mayuri has proved me wrong. I had bought the policy fir my family and before getting insured she made sure that i am tiyaly satisfied and convencied. She helped me a lot fir picking the right policy. From my bottom of my heart i wish with same confidence and agility ahe will bring good business to Policy X. Kudoos to Policy X for having such briliant staff.

Last updated on 06-04-2021

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