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Care Senior
  • No pre-policy check-up required
  • Annual Rewards up to 150% per claim-free year
  • Reduction in wait period rider available
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Care Senior Plan

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 Senior Plan Specification

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.

Read more specifications in the brochure.

Choose your Care Senior 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

What is Room Rent?

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:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

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)
What are ICU Charges?

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.

What is Pre Hospitalization?

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.

What is Post 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.

What is Domiciliary Hospitalization?

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.

What is Daycare Treatment?

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.

What are OPD charges?

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.

What is COVID-19 Treatment?

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.

What is Cataract Treatment?

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 InsuredLimit per Policy
3 LakhsUp to 20K per eye
5 Lakhs and aboveUp to 30K per eye
What is a No-Claim Bonus?

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.

What is Automatic Restoration?

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.

What is Daily Hospital Cash?

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.

What is an Organ Donor Cover?

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
What is a Maternity Cover?

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.

What is a New Born Baby Cover?

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:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Care Senior Plan?

Newborn baby expenses are not covered under this plan.

What is AYUSH Treatment?

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
What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Care Senior Plan?

The plan does not cover the expenses related to infertility or IVF treatments.

What is a Modern Treatment?

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.

What is an Ambulance Cover?

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
What is an Air Ambulance?

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

What is Compassionate Travel?

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

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Care Senior Plan?

Not available

What is E-Consultation?

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

What is a Health Checkup?

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.

What is a Second Medical Opinion?

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.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Care Senior Plan?

Not available

What is Co-payment?

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.

What is the Sub limit?

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

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Care Senior Plan Exclusions

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

Care Senior Premium

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 Insured1 Adult2 Adult
3 Lakhs14,44823,065
5 Lakhs18,17729,095
7 Lakhs21,89835,070
10 Lakhs25,82841,265

Care Senior Riders

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

COVID Care

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:

  • In-patient care
  • Day care treatment
  • Sub-limit of 1% of Sum Insured per day maximum up to 30 days.
  • 30 days of pre-hospitalization
  • 60 days of post-hospitalization
Reduction in PED

The rider decreases the waiting period for pre-existing diseases from 48 months to 24 months.

No Claim Bonus Super

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.

OPD Care

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization

  • Coverage range between INR 5K to INR 50K is available.
Co-payment Waiver

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.

Care Shield

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.

Explore Care Health Insurance

Care senior citizen health insurance is designed to protect senior citizens or old-age parents from the financial worries of high medical costs. Know more about Care Health Insurance plans, claim process, buying process and contact details of the company by clicking on the sections below:

Claim Process

Click to know Care Senior Claim Process.

Buying Process

Click to know Care Senior Buying Process.

Contact Us

Feel free to contact us for more details.

Renewal Process

Renew your Care Health Policy Online

Explore other Care Health Plans

You can find other popular mediclaim policies offered by the Care Health Insurance company in the section below:

Care Plan

A comprehensive health plan for individuals and families, offering a wide range of sum insured options ranging from 3 Lakhs to 6 Crores along with global coverage benefit.

Unique Benefits

  • In-built maternity cover
  • No upper age limit for enrollment
  • Coverage for modern treatments

Care Classic

A comprehensive family floater plan that decides your policy premium based on the living cost of the city you reside in.

Unique Benefits

  • Covers IVF treatment
  • Compassionate travel coverage
  • Unlimited e-consultation

Care Freedom

Get medical coverage for pre-existing diseases like BP, diabetes without any waiting period by bearing a co-pay of 20-30%.

Unique Benefits

  • No pre-policy checkup needed
  • Dialysis cover available
  • Annual Health Checkup

Care Enhance

A super top-up health insurance plan to provide extra medical cover on the basis of policy deductible principle.

Unique Benefits

  • Covers modern treatment
  • Flexible options of deductible
  • No pre-policy medical test

Care Joy

A maternity health insurance plan with child cover. This plan protects individuals and families during medical emergencies.

Unique Benefits

  • 100% increase in SI as NCB
  • Newborn Cover
  • 541 day care treatments covered

Care Advantage

Enjoy the advantage of 1 crore cover and multiple benefits at lower monthly premiums with this affordable individual & family floater plan.

Unique Benefits

  • No bonus claim up to 50%
  • Automatic SI recharge
  • Organ donor cover

Arogya Sanjeevani

A standard comprehensive plan mandated by IRDAI that offers coverage for both Ayurvedic or Allopathic treatments.

Unique Benefits

  • AYUSH Treatment
  • Pre and Post hospitalization
  • 5% cumulative bonus

Care Cancer Mediclaim

Offers lifelong coverage against cancer and the cost of its treatment with several other benefits.

Unique Benefits

  • Annual Health Checkup
  • Chemo and radiotherapy cover
  • Air Ambulance Cover

Care Critical illness

Offers coverage against 32 critical illnesses that are pre-defined under the policy such as catastrophic burns, coma, etc.

Unique Benefits

  • Psychiatric Counselling
  • Dialysis Cover
  • Organ Donor Cover

Care for 45+

A comprehensive plan that takes care of your medical needs in your late 40s.

Unique Features

  • Organ Donor
  • Emergency Ambulance
  • Annual Health Checkup

Care Heart

Individuals with pre-existing cardiac diseases can get coverage against medical treatments by paying 20-30% of co-payment for every claim.

Unique Benefits

  • Cardiac Health Checkup
  • Second medical Opinion
  • Automatic SI Restoration

Care Plus

Extremely flexible family health plan, allowing you to increase SI amount based on inflation rates.

Unique Benefits

  • 200% increase in cumulative bonus
  • Earn rewards for being fit
  • Unlimited SI recharge

Care Senior Plan: 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.

Read Reviews & Ratings

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Niyati

Rajkot

February 17, 2022

I am using their health insurance and used it for COVID19 treatment. I am so happy that covid treatment was handled by them. due to lockdown, i was facing money-related problems but their cashl...

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Ram Dulari

Dehradun

August 16, 2021

Very nice company. I am very happy and fully satisfied with its services. God bless us all. 5 star to the whole team... WELL-DONE

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Nayan

Guwahati

August 16, 2021

Religare Health Insurance is a nice company. and the way PolicyX.com helps its customers in understanding the process is commendable. I am very much impressed.

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Manish Singhal

Ahmedabad

August 6, 2021

PolicyX helps me to find the best suitable plan for me and my family. They have a very professional salesperson and also I am very much happy with the service of Religare Health.

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Sapna Khurana

Pune

August 6, 2021

One of the best health insurance company I have ever come across. Thank you PolicyX.com for assisting me at every step. I must say the team of PolicyX is very patient and hard-working. Thanks o...

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Raj Kumar

Chandigarh

August 6, 2021

Received my reimbursement claim amount within a span of 8 days. Thank you POlicyX.com for helping me out in choosing such a great company. Keep up the good work Religare

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Dr Mukesh Shah

Hyderabad

July 11, 2021

Excellent service by policyx and particularly Ms Prashansha Yadav employee Id 12671. She was prompt on the answer and listen very patiently and the answer was very clear and understandable. rea...

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Vivek Kapoor

Hyderabad

July 11, 2021

Excellent service by PolicyX. The team was prompt on the answer and listen very patiently and the answer was very clear and understandable. Really it was a pleasure to get in touch with this co...