Care Health for Senior Citizens

One can buy Care Health for Senior Citizens for a safety net that provides the policyholders with a choice of Individual and Floater cover and a range of Sum Insured to suit their budget. The insured can also receive cashless treatment in more than 11,000 network hospitals, with 24/7 claim support.

Coverage Offered

The primary coverage in the Care Health for Senior Citizens is custom designed to suit the healthcare needs of the elderly people, who are vulnerable to various age-related illnesses. Accordingly, the major scope of coverage is detailed below.

In-Patient Hospitalization: The plan offers cashless/reimbursement for hospital treatment expenses for a stay exceeding 24 hours.
Pre and Post Hospitalization Expenses: The insured get full reimbursement for medical expenses incurred for a pre-hospitalization period of 30 days and 60 days for post-hospitalization.
Day-Care Treatment: Treatment in hospitals involving a stay of less than 24 hours is covered for 541 procedures.
Domiciliary Hospitalization: The insured gets a cover for availing treatment at home, limited to 10% of the sum insured if such hospitalization exceeds 3 days.
Alternative Treatment: The insured can avail of AYUSH Treatment subject to amount limits of either Rs 15,000 or Rs 20,000 as per the chosen Sum Insured.

Care Health for Senior Citizens Plan: Inclusions

The Care Health Insurance for Senior Citizens provides a wide range of facilities to the elderly insured, customized to their needs. The indicative list of inclusions is listed below:

Accommodation Rent: The Room and ICU Charges are restricted to a maximum of 1% and 2% of the Sum Insured, respectively.
Ambulance Charges: The covered amount is either Rs 1500 or Rs 2000, depending on the chosen sum insured.
Organ Donor Expenses: The expense covered for the transplantation of organs is limited to Rs 50000 and Rs 100000, depending on the chosen Sum Insured.
Optional Add-on Cover:
Cover to reduce the waiting period of Pre=Existing Diseases from 48 months to 24 months.
Cover for Waiver of 20% Co-payment.
Cover for 3 benefit Claim Shield

Care Health for Senior Citizens Plan: Exclusions

Before deciding to buy Care (Formerly known as Religare) Health Insurance for Senior Citizens, it makes sense to scan for the policy's exclusions to ensure a seamless claim experience. The list mentioned below is not exhaustive, but only indicative. It is wise to refer to the policy document for a comprehensive list of exclusions.

Initial waiting period is 30 days for all illnesses except accidental injury.
A waiting period of 48 months of continuous coverage is applied for pre-existing diseases.
A waiting period of 24 months is applied for specific named diseases.
Ailments or injuries related to nuclear peril, an act of war, terrorism, or hostilities are not considered.
Expenses incurred for cosmetic procedures and treatments are excluded.
Injuries caused for participation in extreme and adventure sports, criminal activities, and if they are self-inflicted are excluded.
Medical conditions arising out of substance abuse or intoxication are also excluded.

Features & Benefits of Care Health for Senior Citizens Plan

Care for Senior Citizens Plan provides a host of redeeming features that are considered essential for the insured's quality healthcare.

There is no pre-medical checkup for availing this policy.
No-Claim Bonus up to 150% of the Sum Insured and Automatic Recharge of the same is added every year.
Facility for the Second opinion, Annual Health Check-up, and a Waiver for Pre-Policy Medical Evaluation enables the insured to buy Care (Formerly known as Religare)Health Limited Insurance without any hassle.
Tax benefits to be availed as per the extant Income Tax Act, 1961, for the premium paid during a financial year under Section D.

Eligibility Criteria

The eligibility criteria to buy this policy are mentioned below:

Type	Individual Basis or Floater
Minimum Entry Age	61 years
Maximum Entry Age	No limit Lifelong policy renewability
Number of people covered	Individual, spouse and dependent children up to the age of 25 years
Residential Status	Residents of India, including citizens & permanent residents

Information on Cancellation of the Policy

The insured are eligible to cancel the purchase of the Care (Formerly known as Religare) for Senior Citizens Insurance Policy within the stipulated periods defined in the Free Look Policy of the Insurer. Refund of the premium is subject to applicable rules with deduction of pro-rata premium and incidental charges.