About Care Supreme Senior Plan
Care Supreme Senior plan provides comprehensive coverage to individuals aged 60 and above. This senior citizen health insurance plan has no maximum entry age limit. It covers certain pre-existing conditions from the 31st day with the Instant Cover benefit, and also offers an option to reduce the PED waiting period to 1 or 2 years.
Care Supreme Senior Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Coverage | ₹7 lakh to ₹1 crore |
| Pre-policy Medical Check-up | Not required |
| Pre-existing Diseases Waiting Period | 3 years |
| Discount |
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| Co-payment |
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or select from popular citiessCare Supreme Senior Premium Features
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Key Benefits of Care Supreme Senior Plan
Care Supreme Senior Plan Inclusions, Exclusions & Optional Cover
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In-patient CareIt covers medical expenses incurred on room rent, doctor’s fees, consultation fees, nursing charges, ICU charges, etc. if the insured is hospitalized for at least 24 hours.
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Pre-Hospitalization Medical ExpensesIt provides coverage for medical costs of doctor visits, medicines and diagnostics for up to 60 days before hospitalization.
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Post-Hospitalization Medical ExpensesIt covers expenses incurred on follow-ups and prescribed medicines for up to 180 days after the insured is discharged from the hospital.
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Day Care TreatmentIt pays for day care procedures, like cataract surgery, dialysis, etc., that require less than 24 hours of hospitalization.
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AYUSH TreatmentIt covers the cost of Ayurvedic, Yoga, Unani, Siddha and Homeopathy treatments if the insured is hospitalized for at least 24 hours.
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Advanced Technology MethodsIt covers expenses incurred to avail 12 modern treatments, like robotics surgery, balloon sinuplasty, stem cell therapy, etc., that use advanced technologies.
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External Congenital AnomaliesIt does not cover treatments for removing physical abnormalities present from the birth.
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Cosmetic SurgeriesIt does not pay for plastic surgery or cosmetic procedures, unless medically necessary.
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Adventure SportsIt does not cover the cost of treating injuries arising from adventure sports, such as horse riding, rock climbing, rafting, etc.
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Treatment for Alcoholism or Drug AddictionIt does not pay for treating alcoholism or drug addiction or injuries and illnesses arising from their consequences.
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Self-inflicted InjuriesIt does not cover medical expenses incurred on illnesses or injuries due to intentional self-harm.
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Unlimited Automatic RechargeIt automatically restores the sum insured unlimited times during a policy year for related as well as unrelated illnesses.
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Instant CoverIt covers medical expenses for pre-existing diabetes, hypertension, hyperlipidemia and asthma from the 31st day.
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Cumulative Bonus SuperIt provides 100% of the sum insured (up to 500%) as a cumulative bonus to the policyholder with every policy renewal, regardless of claims.
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Claim ShieldIt pays for the non-medical expenses that are otherwise not covered by health insurance.
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Room Rent ModificationIt allows the policyholder to opt for a hospital room category of up to a single private AC room or a twin sharing room.
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PED Wait Period ModificationIt lets the policyholder reduce the waiting period for pre-existing diseases up to 1 year or 2 years.
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 Supreme Senior Plan: FAQs
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Q1. What is the difference between Care Supreme and Care Supreme Senior health insurance plans?
Ans: The Care Supreme Senior health insurance policy is tailor-made to meet the healthcare requirements of senior citizens, while the Care Supreme policy is a comprehensive medical insurance plan that provides wider coverage with fewer restrictions.
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Q2. Can I buy the Care Supreme Senior health insurance plan if I am 70 years old?
Ans: Yes. There is no upper limit on the entry age under this plan, meaning that any individual above the age of 60 years can buy the Care Supreme Senior health plan.
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Q3. Are there any variants of the Care Supreme Senior health insurance plan?
Ans: The Care Supreme Senior health policy has two plan variants, Super and Premium.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
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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
