About Care Senior Health Plan
Care Senior health insurance is a mediclaim policy offered by Care Health Insurance Limited that provides financial protection to the senior citizens in a medical crisis.
Care Senior Health Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Coverage | ₹3 lakh to ₹10 lakh |
| Pre-policy Medical Check-up | Not required (at the discretion of the underwriter) |
| Pre-existing Diseases Waiting Period | 3 years |
| Discount | 15% Smart Select discount |
| Co-payment |
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Key Benefits of Care Senior Health Plan
Care Senior Health Plan Inclusions, Exclusions & Optional Cover
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In-patient HospitalizationIt covers the cost of medical treatment, surgery, room rent, ICU charges, doctor’s fees and nursing charges if the insured is hospitalized for at least 24 hours.
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Pre-HospitalizationIt pays for expenses incurred on doctor visits, diagnostics, etc. for up to 30 days prior to hospitalization.
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Post-HospitalizationIt covers medical expenses incurred up to 60 days after the insured is discharged from the hospital.
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Day Care TreatmentIt pays for daycare procedures up to sum insured for 500+ medical treatments.
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AmbulanceIt covers expenses incurred on road ambulance service for transporting the insured to the nearest hospital.
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Alternative TreatmentsIt covers Ayurvedic, Unani, Siddha, and Homoeopathy (AYUSH) treatments if the insured is hospitalized in an AYUSH-certified hospital for 24 hours.
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Act of WarIt does not pay for the treatment of ailments or injuries resulting from nuclear peril, an act of war, terrorism, or hostilities.
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Cosmetic SurgeriesIt excludes expenses incurred for cosmetic procedures and treatments.
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Adventure SportsIt does not pay for treatment of injuries caused due to participation in extreme and adventure sports.
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IntoxicationIt excludes paying for medical conditions arising out of substance abuse or intoxication.
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OPD CoverIt provides OPD benefit by covering outpatient doctor consultations, diagnostics and medicines.
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Claim ShieldIt covers the non-medical expenses, which are otherwise not payable under a claim.
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No Claim Bonus SuperIt allows the cumulative bonus to be accrued up to 50% of the sum insured if no claim is made for 5 consecutive years.
The Care Senior health insurance plan offers various benefits to the elderly. You must check out various other senior citizen mediclaim policies and compare them to find the best that meets all your coverage requirements.
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
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Care Senior Health Plan: FAQs
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Q. In which procedures are Sub-Limits of medical expenses applied in the Care for Senior Citizens Insurance Policy?
Ans: Several procedures and surgeries are covered within specified amount limits. They are listed below, but it is prudent to refer to the policy document for exhaustive details.- Cataract
- Total Knee Replacement
- Hernia
- Hysterectomy
- Renal Calculi
- Prostate Hypertrophy
- Cancer
- Cerebrovascular and Cardiovascular disorders.
- Orthopedic Fracture
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Q. Is online Care Health for Senior Citizens Insurance Policy purchase possible?
Ans: Yes, the policy can be purchased online at the Insurer Portal with their assistance. -
Q. How much is the Co-payment ratio in the Care for Senior Citizens Insurance Policy?
Ans: The insured can opt for additional co-payment up to 20% over and above the mandatory rule in the policy.
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Care Health offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of Care Health
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to Care Health for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the Care Health policy
- The network hospital will send the hospital bill to Care Health.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Intimate Care Health about the hospitalization
- In case of planned hospitalization, inform the insurance provider before hospital admission.
- Obtain medical treatment
- During discharge, pay the hospital bill in full.
- Collect all the medical documents, hospital bills and receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
