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

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:

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

The 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:

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.

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.