About Care Senior Health Advantage Plan
Care Senior Health Advantage is a senior citizen health insurance plan with no maximum entry age limit. It provides day 1 coverage for pre-existing diseases (PED), including asthma, hyperlipidemia, diabetes and hypertension, with the Instant Cover. It also comes with disease management programs for hypertension, asthma, diabetes and hyperlipidemia patients.
Care Senior Health Advantage Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹1 lakh to ₹3 crore |
| Pre-policy Medical Check-up | Not required for up to 50 years |
| Pre-existing Disease Waiting Period | 1 year |
| Discount | Up to 10% tenure discount 5% digital discount 2.5% family discount |
or select from popular citiessSenior Health Advantage Features
Search Senior Health Advantage Cashless Network Hospital list
Key Benefits of Care Senior Health Advantage Plan
Care Senior Health Advantage Plan Inclusions, Exclusions & Optional Cover
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In-patient CareIt pays for the healthcare expenses incurred during hospitalization of 24 hours or more.
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Day Care TreatmentsIt covers the cost of all day care treatments that do not require 24 hours of hospitalization.
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Advance Technology MethodsIt pays for the medical expenses incurred on obtaining 12 modern treatments, including stem cell therapy, deep brain stimulation, robotic surgeries, and oral chemotherapy.
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Domiciliary HospitalizationIt covers the cost of obtaining medically necessary treatment at home for more than 3 days on the recommendation of the doctor in case hospitalization is not possible.
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Organ Donor CoverIt pays for the hospitalization expenses of the donor incurred while donating the organ for the transplant surgery of the insured.
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AYUSH TreatmentIt covers the in-patient hospitalization expenses of obtaining treatment through Ayurveda, Unani, Homeopathy and Siddha at an AYUSH hospital or healthcare centre.
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Obesity and weight-control treatments
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Dietary supplements and substances
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Treatment for alcohol or drug addiction
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Injuries due to participation in hazardous or adventure sports
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Room Rent and ICU ModificationIt allows policyholders to modify their room rent and ICU limits.
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Sub-limit on Advance Technology MethodsIt levies a sub-limit on advance technology methods by changing its existing coverage limit.
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Unlimited Automatic RechargeIt upgrades the recharge benefit by restoring the sum insured amount unlimited times in a policy year for the same and unrelated illness in case of exhaustion.
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OPD CareIt covers the OPD expenses incurred on diagnostic tests, medicines and medical devices.
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OPD Consultation & Therapy ExpensesIt pays for doctor consultations and prescribed therapies obtained on an outpatient department basis.
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Sub-limit on Specified DiseasesIt levies sub-limits on listed diseases and procedures, including cancer, cataract treatment, cardiovascular diseases, etc.
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 Advantage Plan: FAQs
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Q1. Is Care health insurance good for senior citizens?
Ans: Yes. Senior citizens can buy the Care Senior Health Advantage plan that covers pre-existing diabetes, asthma, hypertension and hyperlipidemia from day 1 of the policy and comes with disease management programs for the same illnesses. It also comes with OPD benefit, unlimited e-consultations, companion benefit, air ambulance cover, etc., that can be beneficial for elderly people. Moreover, the policy does not come with any upper entry age limit. -
Q2. How can I check the Care Senior Health Advantage plan cost?
Ans: You can check the Care Senior Health Advantage plan cost by contacting the customer support team or by going through the Care health insurance for senior citizens premium chart. Alternatively, you can use a Care health insurance premium calculator on Policybazaar.com to determine the premium. -
Q3. Is Care Senior Health Advantage cashless?
Ans: Yes. The Care Senior Health Advantage plan offers cashless treatment at any hospital of your choice with the cashless everywhere benefit.
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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.
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.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
