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.
This health insurance for senior citizens offers customized benefits of great value. Let's discuss them in detail:
To buy this plan, you don't have to go through any pre-policy medical check-up.
For every claim-free year, the plan offers a 10% increase in the sum insured, which is referred to as a No Claim Bonus.
If the policyholder feels that they are not benefiting from the regular treatment, they can also opt for treatments like Ayurveda, Unani, and Homeopathy.
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.
Once enrolled, the plan allows you to renew your policy for the rest of your life.
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:
This optional coverage helps you to reduce the applicable PED waiting period from 48 months to 24 months.
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).
The insured can increase the sum insured amount by 50% for every claim-free year up to a maximum of 100%.
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.
With this add-on, you get three additional benefits that are Claim Shield, No Claim bonus Shield, and Inflation Shield.
|Minimum entry age||61 years|
|Maximum entry age||Lifelong|
|Sum insured||Rs. 3, 5, 7, 10 lakhs|
|Policy tenure options||1/2/3 years|
|Waiting period||30 days for any illness except injury|
|Waiting period for named ailments||2 years of continuous coverage|
|Waiting period for a pre-existing illness||4 years of continuous coverage|
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 Options||Individual (61 years)||Floater (Husband 65 years, wife 62 years)|
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)||65||70||75||85|
|Premium Amount (In Rs.)||25,829||39,524||50,939||65,544|
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 & Wife||6,562||7,067||7,572||8,077|
|Premium Amount (In Rs.)||41,265||67,072||88,039||1,13,660|
Graph Showing an Illustration of Premium payable by a couple in different age groups.
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.
|Sum Insured Options (in Rs.)|
|3 Lakhs||5 Lakhs, 7 Lakhs, 10 Lakhs|
|Daycare treatments||Up to sum insured|
|Pre-hospitalization expenses||30 days|
|Post-hospitalization expenses||60 days|
|Daily Allowance||Rs. 500 per day||-|
|In-patient hospitalization||Up to sum insured|
|Room Rent||Up to 1% of SI per day||Single Private Room (Max. Up to 1% of SI per day)|
|ICU charges||Up to 2% of SI per day|
|Ambulance cover||Up to Rs. 1,500 per hospitalization||Up to Rs. 2,000 per hospitalization|
|Domiciliary hospitalization||Up to 10% of SI|
|Organ donor cover||Up to Rs. 50,000||Up to Rs. 1 Lac|
|Alternative treatments||Up to Rs. 15,000||Up to Rs. 20,000|
The major exclusions are as follows:
Follow the below-mentioned steps to buy this plan in an easy and hassle-free manner:
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-
Cashless ClaimReimbursement Claim
To understand how both these processes work, refer to the below points:
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.
For the reimbursement claim, you can get admitted to any hospital according to your convenience and the amount will be paid by you.
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).
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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 15,500+ healthcare providers associated with the company.
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Last updated on 06-04-2021
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