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Care Health Insurance Care Health Insurance ★ 4.4

Care Senior

Comprehensive health insurance covers road traffic accidents and assis ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
158+
Pan India presence
97%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,714 reviews
🏥 11,400+ hospitals
📊 1.74 solvency ratio
✅ 97% claim settlement

About Care Senior

A quick read on what this Care Health Insurance plan covers and why it might be a fit for you.

Care Senior Citizen is specially designed to offer coverage for individuals above 60 years of age. It offers flexibility to choose the sum insured that best suits your healthcare needs and will not put a burden on your pocket, especially after retirement. Enjoy your second innings to the fullest as the Care Senior plan will take care of your health-related financial issues.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
61 Years - No max age limit
Plan type
Senior Citizen Health Insurance
Sum insured options
₹3 L, ₹5 L, ₹7 L, ₹10 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1,2,3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Affordable premiums
  • Day care treatments
  • ICU charges

Cons

  • Illegal activities
  • Adventure sports
  • Alcohol abuse

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Care Senior citizens Health insurance policy

Care Senior citizens Health insurance policy

Care Health Insurance Plan Detailed Review

Care Health Insurance Plan Detailed Review

Care Senior Riders

Care health insurance for senior citizens offers various coverage benefits along with some add-on riders. You can get these additional benefits of the care senior citizen plan by paying a little extra premium amount.

Care Senior offers a number of optional riders to fulfill your specific needs:

  • COVID Care

    Covers the cost of treatment for COVID-19 with a confirmative diagnosis from a government-approved center. Benefits include in-patient care, day care treatment, a sub-limit of 1% of the sum insured per day for a maximum of 30 days, 30 days of pre-hospitalization, and 60 days of post-hospitalization.

  • Reduction in PED

    The rider decreases the waiting period for pre-existing diseases from 48 months to 24 months.

  • No Claim Bonus Super

    This rider offers a 50% increment in the sum insured for every claim-free year, up to a maximum of 100% of the sum insured per policy. It offers the combined benefit of a no-claim bonus and a no-claim bonus super, i.e., a 60% increment in the sum insured for every claim-free year. If a claim is made in any year, the no-claim bonus and the no-claim bonus super will decrease at the same rate at which it arises.

  • OPD Care

    Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. Coverage ranges between INR 5,000 to INR 50,000.

  • Co-payment Waiver

    By choosing this rider, you can eliminate the 20% co-payment if the insured or the eldest insured member is 61 or above.

  • Care Shield

    Combination of three additional benefits in one:

    Claim Shield: Covers non-payable expenses like gloves, masks, etc. No Claim Bonus Shield: Applicable if the claim amount is less than 25% of the sum insured. Inflation Shield: The sum insured will increase at every renewal on a cumulative basis.

Care Health Insurance Network Hospital List

Care Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions not included under the Care Senior Plan are:
  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and abortion
  • Congenital disease
  • Infertility and in vitro fertilization
  • Certain diseases and treatments are covered under this plan after a certain period. Details include:
  • Listed ailments after 24 months
  • Pre-existing diseases after 36 months

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 61 Years
  • Max entry age: No Limit
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 10 L

Other features & benefits

  • No-claim bonus
  • Second opinion
  • Alternative treatments

Care Senior Plan: FAQs

The 5 most-asked questions about Care Senior, answered.

The premium is a pre-decided amount of money that a policy taker has to pay for a specified period, against the coverage. The amount of premium of Care Senior plan is subjected to the age of the person, the sum insured, pre-existing diseases, policy term, etc.
It’s divided into three parts- 30 days for any illness except injury. 2 years of continuous coverage for named ailments. 4 years of continuous coverage for pre-existing conditions.
30 days is the grace period.
Yes, of course. There is no maximum entry age for this policy.
There are 15,500+ healthcare providers associated with the company.

Explore Care Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 7 Aug 2023 · Originally published: 19 Nov 2024

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