About Care Ultimate Care Senior Plan
Care Ultimate Care Senior provides medical coverage to senior citizens as well as their families. It pays any one claim without any coverage limit in the lifetime of the policy with the Ultimate Care benefit. It also offers day 1 coverage for pre-existing diabetes, hypertension, obesity, asthma, hyperlipidaemia, COPD and coronary artery disease with the Instant Cover Plus benefit.
Care Ultimate Care Senior Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Coverage | ₹5 lakh to ₹1 crore |
| Pre-existing Diseases Waiting Period | 3 years |
| Discount | Up to 30% wellness discount |
| Discount |
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Key Benefits of Care Ultimate Care Senior Plan
Care Ultimate Care Senior Plan Inclusions, Exclusions & Optional Cover
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In-patient CareIt pays for the treatments availed by the insured senior citizen after getting hospitalised for 2 hours or more.
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Day Care TreatmentIt covers all day care treatments that require hospitalisation of less than 24 hours.
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Advanced Technology MethodsIt pays for the medical treatments availed through 12 advanced technology methods.
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Pre-hospitalisation ExpensesIt covers the medical expenses incurred for up to 60 days before getting hospitalised.
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Post-hospitalisation ExpensesIt pays for the healthcare expenses incurred for up to 90 days after getting discharged from the hospital.
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AYUSH TreatmentIt covers the cost of medical treatments availed by the insured senior citizen through the AYUSH system of medicines.
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Routine Dental or Eye Check-upsIt does not cover medical expenses incurred on availing routine dental or eye check-ups, including related to dentures and artificial teeth.
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Obesity/Weight Control TreatmentsIt does not pay for treatments availed to control obesity or body weight.
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Durable Medical EquipmentsIt excludes the medical expenses incurred on external medical equipments like wheelchairs, walkers, glucometer, crutches, etc.
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Cosmetic or Plastic SurgeryIt does not cover the cost of plastic surgery or cosmetic surgery unless for reconstruction following an accident, burn or cancer.
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Alcohol or Drug AbuseIt does not pay for treatments for alcoholism, drug or substance abuse.
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Dietary Supplements and SubstancesIt does not cover the cost of purchasing dietary supplements and substances.
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Infinity BonusIt increases the sum insured by 100% unlimited times a year throughout the lifetime of the policy irrespective of the claim history.
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Money Back BenefitIt refunds the base premium amount of the first policy year after a block of every five claim-free years.
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Unlimited CareIt pays for any one claim without any coverage limit once in the lifetime of the policy.
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Unlimited E-ConsultationsIt covers the cost of availing unlimited e-consultations from general physicians.
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Claim ShieldIt pays for non-medical items, such as syringes, cotton, bandage, etc. that are generally not covered under health insurance.
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PED Wait Period ModificationIt reduces the waiting period for pre-existing diseases from 3 years to 2 years or 1 year.
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 Ultimate Care Senior Plan: FAQs
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Q1. What is the difference between Ultimate Care and Ultimate Care Senior?
Ans: The Care Ultimate Care plan offers comprehensive coverage to individuals and families, while the Care Ultimate Care Senior plan requires at least one insured member to be above 60 years. The Ultimate Senior plan provides multiple options to reduce premiums, such as voluntary deductible, co-payment, sub-limits, Smart Select, etc. Besides, the coverage offered in the senior citizen plan is a bit limited as compared to the Care Ultimate Care plan.
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Q2. What is Ultimate Care Senior health insurance?
Ans: The Care Ultimate Care Senior health insurance policy provides coverage to senior citizens as well as their families, provided at least one member is above 60 years. It offers comprehensive coverage like the money back benefit, infinity bonus, loyalty bonus, instant cover plus, unlimited automatic recharge, annual health check-ups, etc. It also comes with several options to keep the premiums low, including voluntary co-payment, voluntary deductible, sub-limits, Smart Select and room rent modification.
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Q3. Is Ultimate Care Senior a good health insurance?
Ans: Yes. The Care Ultimate Care Senior is one of the best health insurance plans for senior citizens as it offers a wide range of coverage for senior citizens, including money back benefit, loyalty bonus, infinity bonus, day 1 coverage for listed pre-existing diseases, unlimited automatic recharge, annual health check-ups, health services discounts, etc. Moreover, it allows senior citizens to lower their sum insured by opting for sub-limits, voluntary co-payment, deductible, room rent modification and Smart Select.
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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
