Network hospitals
20800+
Claim settlement ratio
100%
Sum insured
1 CR
No. of Plans
13
Solvency Ratio
1.81
Pan India Presence
-
PolicyX.com is a Recognised Care Partner View Certificate
Network hospitals
20800+
Claim settlement ratio
100%
Sum insured
1 CR
No. of Plans
13
Solvency Ratio
1.81
Pan India Presence
-
PolicyX.com is a Recognised Care Partner View Certificate
Care Senior Citizen is specially designed to offer coverage for individuals above 60 years of age. It offers flexibility to choose the sum insured that best suits your healthcare needs and will not put a burden on your pocket, 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 health insurance for senior citizens is a health insurance plan through which you can relax and enjoy your second innings. Care senior plan will take care of your health-related financial concerns. Below are its specifications and eligibility criteria:
Sum Insured
3 | 5 | 7 | 10
Plan Type
Individual and Family Floater
Entry Age
Min: 61 Year Adult Max: Lifelong
Initial Waiting Period*
30 Days
Policy Term
1,2,3 Years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
In-patient & Out-patient Coverage
Room Rent
Covered up to 1% SI
ICU Charges
Covered up to 2% of SI per day
Pre-Hospitalization
Covered up to 30 days
Post-Hospitalization
Covered up to 60 days
Domiciliary Hospitalization
Covered up to 10% of SI
Daycare Treatment
Covered up to SI
OPD Charges
Covered under a Rider
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Covered up to 20K per eye
No Claim Bonus
10% increase of SI for every claim-free year
Automatic Restoration
Up to of SI (once a year)
Daily Hospital Cash
INR 500 per day
Organ Donor
Covered up to 50K
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Covered up to 15K
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Emergency Coverage
Ambulance
Covered up to 1.5K per hospitalization
Air Ambulance
Not available
Compassionate Travel
Not available
Global Coverage
Not available
Wellness Programmes
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Not Covered
Limitations
Co-payment
20% of claim amount
Sub-limits
Applicable
In-patient & Out-patient Coverage
Room Rent
Single Private AC Room (Covered up to 1% sum insured)
ICU Charges
Covered up to 2% of SI per day
Pre-Hospitalization
Covered up to 30 days
Post-Hospitalization
Covered up to 60 days
Domiciliary Hospitalization
Covered up to 10% of SI
Daycare Treatment
Covered up to SI
OPD Charges
Covered under a Rider
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Covered up to 30K per eye
No Claim Bonus
10% increase of SI for every claim-free year
Automatic Restoration
Up to of SI (once a year)
Daily Hospital Cash
Not Available
Organ Donor
Covered up to 1 Lakh
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Covered up to 20K
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Emergency Coverage
Ambulance
Covered up to 2K per hospitalization
Air Ambulance
Not available
Compassionate Travel
Not available
Global Coverage
Not available
Wellness Programmes
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Not Covered
Limitations
Co-payment
20% of claim amount
Sub-limits
Applicable
Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Coverage status under Care Senior Plan?
Room rent charges under this plan vary on the basis of your selected sum insured:
SI Options | 3 Lakhs | 5 | 7 | 10 Lakhs | ||
Room Rent | Covered up to 1% SI | Single private AC room (Covered maximum up to 1% sum insured) |
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Care Senior Plan?
Under this plan, ICU charges are covered up to 2% of your selected Sum Insured.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Care Senior Plan?
This plan covers medical expenses of up to 30 days before your hospitalization.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Care Senior Plan?
This plan covers medical expenses of up to 60 days after you get discharged from the hospital.
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.
Coverage status under Care Senior Plan?
Under this plan, expenses for the domiciliary hospitalization that exceeds 3 days are covered up to 10% of your selected Sum Insured.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Care Senior Plan?
This plan covers 541 day care procedures up to your selected SI amount.
The cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Care Senior Plan?
This plan covers OPD charges as an add-on benefit. You can avail of this benefit by adding an OPD Benefit rider along with this policy at an additional cost.
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under Care Senior Plan?
COVID-19 treatment cover is available under this plan.
A common eye condition in which your vision gets blurred.
Coverage status under Care Senior Plan?
This plan offers coverage for Cataract treatment as per the selected Sum Insured amount.
Sum Insured | Limit per Policy |
3 Lakhs | Up to 20K per eye |
5 Lakhs and above | Up to 30K per eye |
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Care Senior Plan?
This rider offers a 50% increment in the sum insured for every claim-free year. This increment can go up to a maximum of 100% of SI per policy. Moreover, it offers the combined benefit of a no-claim bonus and a no-claim bonus super i.e. 60% increment in sum insured for every claim-free year.
In case of a claim: The no-claim bonus and the no-claim bonus super will be decreased at the same rate at which it arises.
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under Care Senior Plan?
Automatic recharge of your selected SI is available under this plan. You can take this benefit only once in a policy year.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under Care Senior Plan?
Daily hospital cash is available under this plan if you select the sum insured option of 3 lakhs. You can get a daily allowance of INR 500 for a maximum of up to 5 days.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Care Senior Plan?
The plan provides coverage for organ donor expenses based on your selected Sum Insured amount.
Sum Insured | Limit per Policy |
3 Lakhs | Up to INR 50K |
5 Lakhs and above | Up to INR 1 Lakh |
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under Care Senior Plan?
Maternity cover is not available under this plan.
*It is generally not covered under most health insurance plans as pregnancy is a planned condition.
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new born cover and these common treatments can vary from plan to plan:
Coverage status under Care Senior Plan?
Newborn baby expenses are not covered under this plan.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Care Senior Plan?
This plan covers AYUSH treatment expenses based on your selected sum insured amount.
Sum Insured | 3 Lakhs | 5,7,10 Lakhs | ||
AYUSH Treatment | Covered up to 15K | Covered up to 20K |
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Care Senior Plan?
The plan does not cover the expenses related to infertility or IVF treatments.
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Care Senior Plan?
This plan does not cover modern treatments expenses.
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under Care Senior Plan?
This plan covers Ambulance charges based on your selected sum insured amount.
Sum Insured | 3 Lakhs | 5,7,10 Lakhs | ||
Ambulance Charges | Covered up to 1.5K per hospitalization | Covered up to 2K per hospitalization |
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Care Senior Plan?
Not available
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under Care Senior Plan?
Not Available
Any kind of medical/health emergency when you are outside of India.
Coverage status under Care Senior Plan?
Not available
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Care Senior Plan?
Not available
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under Care Senior Plan?
The policy allows health check-ups for all insured members once a year.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage status under Care Senior Plan?
Every insured member under this policy can avail of a second medical opinion.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Care Senior Plan?
Not available
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Status under Care Freedom Plan?
20% co-payment per claim for policyholders whose age is more than 60 years.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to pay by the policyholder.
Status under Care Freedom Plan?
Below mentioned are the sub-limit available under the care freedom plan:
Sum Insured Option | 3L | 5L | 7L | 10L | ||
Total Knee Replacement | Covered up to 80K per knee | Covered up to 1 Lakh per knee | ||
Surgery for treatment of all types of Hernia | Covered up to 50K | Covered up to 65K | ||
Hysterectomy | Covered up to 50K | Covered up to 65K | ||
Surgeries for Benign Prostate Hypertrophy (BPH) | Covered up to 50K | Covered up to 65K | ||
Surgical Treatment of stones of Renal System | Covered up to 50K | Covered up to 65K | ||
Treatment of cerebrovascular and cardiovascular disorders | Covered up to 2 Lakhs | Covered up to 2.5 Lakhs | ||
Treatments/Surgeries for cancer | Covered up to 2 Lakhs | Covered up to 2.5 Lakhs | ||
Treatment of other renal complications and Disorders | Covered up to 2 Lakhs | Covered up to 2.5 Lakhs | ||
Treatments for breakage of bones | Covered up to 2 Lakhs | Covered up to 2.5 Lakhs |
Care Health Insurance promises a wide Network of cashless Hospitals across India. A well connected network of over 19000+ cashless hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in
Permanent Exclusions
Permanent diseases or health conditions that are not included under this plan are:
War-related injuries
Injuries resulting from a suicide attempt
Treatment arise due to pregnancy, childbirth, miscarriage, abortion
Hospitalization due to alcohol, and drug abuse
Treatments related to infertility and Vitro fertilization
Internal congenital diseases
Coverage after Waiting Period
The plan will cover certain diseases and treatments after a specific period. Read the details below:
Listed Ailment after 24 Months
Pre-Existing Diseases after 48 Months
Assisted Reproductive Treatment after 36 Months
To give you a better understanding of premiums, we have calculated the premium amount for different sum insured options based on different numbers of insured members. Take a look:
Age 61 Years
Sum Insured | 1 Adult | 2 Adult |
3 Lakhs | 14,448 | 23,065 |
5 Lakhs | 18,177 | 29,095 |
7 Lakhs | 21,898 | 35,070 |
10 Lakhs | 25,828 | 41,265 |
Care health insurance for senior citizens offers various coverage benefits along with some add-on riders. You can get these additional benefits of care senior citizen plan by paying a little more extra premium amount.
Care Senior offers a number of optional riders to fulfill your specific needs:
COVID Care
Get cover for the COVID-19 treatment
Reduction in PED
Reduces waiting period for pre-existing diseases.
No Claim Bonus Super
Offer no claim bonus of 50%.
OPD Care
Covers the cost of doctor consultation
Co-payment Waiver
Waive off the 20% of co-payment.
Care Shield
Combination of 3 additional benefits
Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre. Below mentioned are some of the benefits available under this rider:
The rider decreases the waiting period for pre-existing diseases from 48 months to 24 months.
This rider offers a 50% increment in the sum insured for every claim-free year. This increment can go up to a maximum of 100% of SI per policy. Moreover, it offers the combined benefit of a no-claim bonus and a no-claim bonus super i.e. 60% increment in sum insured for every claim-free year.
If the claim has been made in any year, the no-claim bonus and the no-claim bonus super will be decreased at the same rate at which it arises.
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization
By choosing this rider, you can get rid of the 20% of the co-payment worry if the insured or the eldest insured member is 61 or above.
Combination of 3 additional benefits in one:
Claim Shield: Covers the non-payable expenses like gloves, masks, etc.
No Claim Bonus Shield: Applicable if the claim amount is less than 25% of the SI.
Inflation Shield: Sum Insured will increase at every renewal on a cumulative basis.
You can find other popular mediclaim policies offered by the Care Health Insurance company in the section below:
A comprehensive health plan for individual and family with SI of 3 lacs to 6 Cr. with global coverage.
Unique Benefits
A comprehensive family floater plan that decides your policy premium based on the living cost of the city you reside in.
Unique Benefits
Get medical coverage for pre-existing diseases like BP, diabetes without any waiting period by bearing a co-pay of 20-30%.
Unique Benefits
A super top-up health insurance plan to provide extra medical cover on the basis of policy deductible principle.
Unique Benefits
A maternity health insurance plan with child cover. This plan protects individuals and families during medical emergencies.
Unique Benefits
Enjoy the advantage of 1 crore cover and multiple benefits at lower monthly premiums with this affordable individual & family floater plan.
Unique Benefits
A standard comprehensive plan mandated by IRDAI that offers coverage for both Ayurvedic or Allopathic treatments.
Unique Benefits
Offers lifelong coverage against cancer and the cost of its treatment with several other benefits.
Unique Benefits
Offers coverage against 32 critical illnesses that are pre-defined under the policy such as catastrophic burns, coma, etc.
Unique Benefits
A comprehensive plan that takes care of your medical needs in your late 40s.
Unique Features
Individuals with pre-existing cardiac diseases can get coverage against medical treatments by paying 20-30% of co-payment for every claim.
Unique Benefits
A flexible health plan that covers advanced technology methods, unlimited e-consultations and personal accidents.
Unique Benefits
A unique healthcare plan offering extensive coverage to individuals and families under a single plan with affordable premiums.
Unique Features
See More Health Insurance Articles
See More Health Insurance Articles
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-
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.
Mahesh Malvesh
Delhi
September 14, 2022
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Delhi
May 25, 2022
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Rajkot
February 17, 2022
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Dehradun
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Guwahati
August 16, 2021
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