Care Health for Senior Citizens

When it comes to offering health insurance coverage for senior citizens, Care health insurance plans are worth your considerations. The insurer offers Care Health for Senior Citizens Insurance Policy, tailored for the financial protection of the elderly in medical emergencies with the freedom to access quality healthcare facilities.  

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.

FAQs

Care Health for Senior Citizens Reviews & Ratings

/ 5 (Based on 31 Reviews)
(Showing Newest 9 reviews)
Omkar
Chennai , October 26, 2021
Great features
I have got day care hospitalization feature under the mediclaim policy which i have purchased from the policybazaar. It offered me lifelong renewability Cover. It includes tax exemption benefits, cashless hospitalization and many other facilities. overall i like my plan.
Angoor
Kolkata , October 26, 2021
Trustworthy website
I rarely trust the online purchasing because of the possibility of fraud but Policybazaar has built my trust up. I went through the online process when I was taking care health insurance from here and i found this website trustworthy.
Kush
Surat, October 26, 2021
Helpful staff
I rarely trust the online purchasing because of the possibility of fraud but Policybazaar has built my trust up. I went through the online process when I was taking care health insurance from here and i found this website trustworthy.
Ranveer
Pune, October 26, 2021
Low cost plan
Such a simple and easy process to buy a policy was provided to me by Policybazaar. Someone suggested me to check the health plans on Policybazaar website. i went through a lot of plans and i found the right plan here. i bought star health insurance at low cost.
Kushal
Jaipur, October 26, 2021
Good Coverage
I have bought Bajaj Allianz Health Insurance for my family and by taking a health plan, I have secured my entire family. I have got coverage against medical expenses and buying my policy online has saved my money as I did not have to pay agent fees.
Jitendra
Lucknow, October 26, 2021
Affordable plan
A friend of mine told me about Policybazaar. He said that he has found an affordable health plan deal in Policybazaar. I went to Policybazaar to buy the same plan. I wanted a family health plan so I took Aditya Birla health insurance and it has covered every member of my family.
Rajesh
Kanpur, October 26, 2021
Easy to compare
Last week i went to Policybazaar for taking health plan for my family. An executive explained the policy very well and showed me various plans out of which i chose digit health insurance and it has covered me and my wife.
Kuvar
Nagpur, October 26, 2021
Good plan
I was able to compare the various plans easily on the website of Policybazaar. At first, i was confused about what i should choose as so many options were given there but then i bought sbi general health insurance for my parents. I got really good senior citizen health plan.
Abhijeet
Allahabad, October 26, 2021
Hassle free experience
I had an amazing and hassle free experience with policybazaar. Everything has beem very smooth when i was purchasing health insurance from policybazaar. Their team assisted me in well mannered way.

Latest Health Insurance Articles

PMASBY Scheme: All You Need to Know About Pradhan Mantri Atmanirbhar Swasth Bharat Yojana

PMASBY Scheme: All You Need to Know About Pradhan Mantri Atmanirbhar Swasth Bharat Yojana

PMASBY Scheme: All You Need to Know About Pradhan Mantri Atmanirbhar Swasth Bharat Yojana The PMASBY or the Pradhan Mantri Atmanirbhar Swasth Bharat Yojana scheme is one of the largest government...
Updated: 27th October 2021
Is Dermatology Covered by Health Insurance Plans?

Is Dermatology Covered by Health Insurance Plans?

Is Dermatology Covered by Health Insurance Plans? The prevalence of dermatology has risen significantly in India over the last few years. Most people visit a dermatologist at least once in their lives and a few others need to pay a reg...
Updated: 21st October 2021
Does Health Insurance Cover Orthopaedic Surgery?

Does Health Insurance Cover Orthopaedic Surgery?

Does Health Insurance Cover Orthopaedic Surgery? Orthopaedic health conditions have become quite common in India. They are no longer limited to just elderly people but are increasingly diagnosed amongst younger people due to their seden...
Updated: 12th October 2021
Star Health Insurance Customer Care

Star Health Insurance Customer Care

Star Health Insurance Customer Care Star Health & Allied Insurance Company comes with an efficient customer support team that helps to clear the queries and doubts of their customers. They are available round the clock and can help to solve is...
Updated: 11th October 2021
Claim Settlement Ratio Vs Incurred Claim Ratio - Know the Difference

Claim Settlement Ratio Vs Incurred Claim Ratio - Know the Difference

Claim Settlement Ratio Vs Incurred Claim Ratio - Know the Difference Every health insurance plan comes with unique benefits to attract customers. While checking the coverage, premium and benefits of a health plan bef...
Updated: 7th October 2021
 
Close
Download the Policybazaar app
to manage all your insurance needs.
INSTALL