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Insurance Plans Comparison

Care Senior vs Care Ultimate

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Care

Senior

Health Insurance for Senior Citizens 60+ with Lifelong Renewability

What Makes It Special:

Care Senior is tailored specifically for the healthcare requirements of senior citizens aged 60 and above.

Best For:

  • Customers wanting automatic recharge protection

  • Families covering elderly parents

  • Elderly individuals seeking senior-specific health screening benefits

  • Buyers looking for health insurance with no upper entry age cap

  • Senior citizens aged 60 and above

VS
Care

Ultimate

Health insurance with unlimited restoration, moneyback rewards and long-term loyalty benefits.

What Makes It Special:

Comprehensive Health Insurance

Best For:

  • Health-conscious customers seeking wellness rewards and renewal discounts.

  • Individuals interested in unlimited restoration of their sum insured.

  • Customers who value rewards for remaining claim-free.

  • People looking for coverage options up to ₹1 crore.

  • Individuals and families seeking comprehensive hospitalisation coverage.

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

Care Senior

  • Senior health screening included

  • Inbuilt 1-time automatic sum insured recharge

  • Includes a mandatory 20% co-payment per claim

  • Pre-existing disease waiting period is 48 months (or 24 months based on option)

  • Entry starts from age 60 with no maximum entry age limit

Care Ultimate

  • Review waiting periods: The standard waiting periods are 30 days for initial illnesses, 24 months for named ailments and 36 months for pre-existing diseases.

  • Evaluate wellness rewards: The optional Wellness Benefit offers renewal discounts based on qualifying healthy days and applicable conditions.

  • Look at Infinity Bonus: This optional benefit provides an additional 100% of base sum insured per year, irrespective of claims, with continuous renewal.

  • Consider the moneyback benefit: The optional Premium Payback benefit refunds the first policy year's base premium after five consecutive claim-free policy years, subject to renewal conditions.

  • Choose for comprehensive coverage: The brochure lists inpatient care, day-care procedures, advanced technology treatments, AYUSH and other hospitalisation benefits, subject to policy terms.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Senior
Senior

Health Insurance Plan

Brochure

VS
Ultimate
Ultimate

Health Insurance Plan

Brochure

Room Rent

Senior

Room rent is covered up to the sum insured, subject to the applicable room-category terms of the plan.

VS

Ultimate

All room categories are covered

ICU Charges

Senior

ICU charges are covered up to your sum insured during the policy period.

VS

Ultimate

No restriction on ICU room rent

Co-payment

Senior

20% co-payment is applicable on all claims. An additional 20% co-payment applies for treatment taken outside Smart Select network hospitals.

VS

Ultimate

Not available

Disease-wise sublimits

Senior

Yes, sublimits apply to specified diseases and treatments as per the policy terms.

VS

Ultimate

No 

Cashless Healthcare Providers

Senior

22,100+ cashless healthcare providers.

VS

Ultimate

21700+ Healthcare Providers

Restoration Benefit

Senior

Yes, your sum insured is automatically recharged by an amount equal to the opted sum insured, unlimited times during the policy year, for related or unrelated illnesses.

VS

Ultimate

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Cumulative Bonus

Senior

Your sum insured increases by 10% for every claim-free year, up to a maximum of 50% of the sum insured.

VS

Ultimate

Your sum insured increases by 50% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 100%, every year.

Daycare Treatment

Senior

Covers all eligible Day Care Procedures, including treatments such as cataract, chemotherapy, dialysis and stone removal, up to your sum insured.

VS

Ultimate

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured

Consumable Cover

Senior

Consumable expenses are not covered under the plan.

VS

Ultimate

No. However, available as an add-on

AYUSH Treatment

Senior

Covers AYUSH treatment expenses up to your sum insured, subject to the policy terms and treatment being taken at an AYUSH-certified facility.

VS

Ultimate

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Initial Waiting Period

Senior

30 days for illnesses, except injuries caused by an accident.

VS

Ultimate

30 days

Specific Waiting Period

Senior

2 years for specified named ailments.

VS

Ultimate

2 years
 

PED Waiting Period

Senior

3 years for pre-existing diseases.

VS

Ultimate

3 years
 

Modern Treatment

Senior

Modern treatment methods are not covered under the plan.

VS

Ultimate

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Senior

Annual health check-up is available for all insured members.

VS

Ultimate

Health checkup is not included as part of base cover. However, available as an add-on

Pre-Hospitalisation

Senior

You get cover for medical expenses up to 60 days before hospitalisation, subject to the main hospitalisation claim being admissible.

VS

Ultimate

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Senior

You get cover for medical expenses up to 180 days after discharge from the hospital.

VS

Ultimate

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Senior

OPD expense is not included.

VS

Ultimate

OPD expense is not included as part of base cover. However, available as an add-on

Deductible Option

Senior

Not available as a standard deductible option.

VS

Ultimate

Not available

Coverage Options

Senior

Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L.

VS

Ultimate

Available coverage options: ₹5L, 7L, 10L, 15L, 20L, 25L, 50L, 1 Cr

Claim Settlement Ratio

Senior

96.74% for FY 2024-25.

VS

Ultimate

96%

Maternity Cover

Senior

Not available.

VS

Ultimate

Not available

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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