Care Senior Health Insurance is a comprehensive health plan that comes with a list of health care benefits to provide ease to the senior citizens in their retirement age. The plan makes sure that no senior citizen is left hanging in time of a medical emergency.
To understand this health policy in a better way, let us move forward into details.
Minimum entry age
Maximum entry age
Rs.3, 5, 7, 10 lakhs
Policy tenure options
**Last Updated on 14-12-2020
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.
Day care treatments
Up to sum insured, 541 procedures
Up to sum insured
2% sum insured per day
Up to Rs.2000 per hospitalization
Up to 10% of the sum insured, covered following 3 days
Annual health check-up
Yes, all members
Automatic recharge of sum insured
Yes, up to the sum insured (once in a policy year)
Organ donor cover
Up to Rs.1,00,000
Up to Rs.20,000
**Last Updated on 14-12-2020
The major features of this medical policy are listed below.
The plan offers you several benefits that are listed below.
In-patient hospitalization -In case of hospitalization for at least 24 hours, the company compensates for nursing expenses, room charges, intensive care unit charges, doctor's fee, surgeon's fee, blood, anesthesia, oxygen, operation theater charges, etc.
In the case of hospitalization for less than 24 hours, the company pays for the medical expenses for a day care treatment where you don't have to stay hospitalized for 24 hours or more.
Pre-hospitalization expenses - This medical policy covers the relevant medical expenses such as investigative tests, routine medications, and many more up to 30 days before the hospitalization.
Post-hospitalization expenses - Under this policy, relevant medical expenses such as doctor's fees, medications, etc. are covered up to 60 days after the discharge from the hospital.
Emergency ambulance cover - If an emergency arises and you need to hurry to the hospital, your ambulance costs are compensated up to Rs.2000 per hospitalization.
Organ Donor Expenses - The plan covers (up to Rs.1 lakh) the medical and surgical expenses of the organ donor while having a major organ transplant.
Domiciliary hospitalization - In any case, if the hospitalization is not possible, the company pays (up to 10% of SI) for the expenses of treatments at home for a period exceeding 3 consecutive days.
Alternative treatment - This facility is only provided when the hospitalization exceeds more than 24 hours. Coverage up to Rs.20,000 is provided by the plan.
Automatic recharge - If the policyholder ever runs out of health coverage due to claims made, this health policy will reinstate the entire sum insured amount of the policy.
Second opinion - If the insured feels uncertain of his/her diagnosis, (s)he can go for a second opinion arranged by the company for a specific critical illness.
Lifelong renewability - If you are 61 years old or more, the company provides you an option to choose for co-payment of 20% per claim (over & above any other co-payment, if any), which is applicable for you. The insurer will pay the rest of the amount.
You will come across several useful add-ons under the umbrella of protection of this plan. Some of them are listed below.
Reduction in PED - This optional coverage helps you to reduce the applicable PED waiting period from 48 months to 24 months.
Co-payment waiver - If the insured is 61 years of age or above, by opting for this add-on, (s)he can get rid of the 20% co-payment condition. The insurer will pay medical expenses incurred for hospitalization (subject to policy terms and conditions).
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%.
OPD care - Through this optional cover, one can claim an amount equivalent to his/her bills at the time of reimbursement. Coverage amount ranges between Rs.5,000-50,000.
The major exclusions are as follows.
Follow the below-mentioned steps to buy this plan easily and smoothly.
For more information about this plan, please get in touch with the customer service team of PolicyX.com at 1800-4200-269.
To make things simpler and structured for its customers, Care Health Insurance has listed two ways of filing a claim-
Both the claim processes are discussed here with proper steps. Have a look.
Note: 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.
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).
Note: For the reimbursement claim, you can get admitted to any hospital according to your convenience and the amount will be paid by you.
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.
It's divided into three parts-
30 days is the grace period.
Yes, of course. There is no maximum entry age for this policy.
There are 11000+ healthcare providers.
Last updated on 15-01-2021