How does the waiting period affect my coverage?

Care Senior covers pre-existing diseases after 4 years; other illnesses after 30 days.

What happens if I don’t use my health insurance benefits for the entire year?

Care Senior offers a no-claim bonus, increasing the sum insured for claim-free years.

Will my health insurance cover treatment abroad?

Care Senior does not provide coverage for treatment abroad; benefits apply within India only.

OneAssure

Health Insurance

Care

Senior

Care Senior Plan

Experience India's most trusted health insurance with Care Health Insurance. Get instant cashless treatment at 19000 network hospitals with sum insured up to ₹50 lakhs.

96%

Claim Settlement Ratio

19000+

Network Hospitals

8.3

Customer Rating

Brochure

Get a Quote

96%

Claim Settlement Ratio

19000+

Network Hospitals

8.3

Customer Rating

Brochure

Our Verdict

Expert Review: Care Health Insurance

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Final Verdict

This plan is specifically designed for senior citizens. The insurance company will cover only 80% of the total bill, which can be waived by opting for an add-on. There are long waiting periods of up to 4 years for pre-existing diseases, and sub-limits on room rent also apply. Additionally, the yearly bonus reduces if a claim is made. This plan is usually a cost-effective option for those willing to compromise on features and bear a portion of the bill in case of a claim.

This plan is specifically designed for senior citizens. The insurance company will cover only 80% of the total bill, which can be waived by opting for an add-on. There are long waiting periods of up to 4 years for pre-existing diseases, and sub-limits on room rent also apply. Additionally, the yearly bonus reduces if a claim is made. This plan is usually a cost-effective option for those willing to compromise on features and bear a...

About

About Care Health Insurance

The Care Senior Plan is a specialized health insurance policy designed for senior citizens, offering comprehensive medical coverage tailored to their needs. It includes hospitalization expenses, pre- and post-hospitalization care, daycare procedures, and ambulance charges. The plan often covers pre-existing diseases after a waiting period and may offer annual health check-ups. With cashless treatment at network hospitals and no-claim bonuses, it ensures financial security and hassle-free healthcare. Ideal for elderly individuals seeking reliable and affordable health coverage.

The Care Senior Plan is a specialized health insurance policy designed for senior citizens, offering comprehensive medical coverage tailored to their needs. It includes hospitalization expenses, pre- and post-hospitalization care, daycare procedures, and ambulance charges. The plan often covers pre-existing diseases after a waiting period and may offer annual health check-ups. With cashless treatment at network hospitals and no-claim bonuses, it ensures financial security and hassle-free healthcare. Ideal for elderly individuals seeking reliable and affordable health...

Inclusions and Exclusions

Inclusions and Exclusions of Care Insurance Company Limited

Room Rent

Normal: Single Private AC Room (Max. up to 1% of SI per day)ICU: 2% sum insured per day.

Advanced Treatments

 Stereotactic radio surgeries Uterine Artery Embolization and HIFU (High Intensity focused ultrasound) Vaporization of the prostrate (Green laser treatment or holmium laser treatment)Balloon Sinuplasty  Deep Brain Stimulation Immunotherapy - Monoclonal Antibody to be given as injectionRobotic SurgeriesOral ChemotherapyIntra Vitreal Injections

Co-payment

If your age is 61 years or more, we provide you an option to choose for co-payment of 20% per claim (over & above any other co-payment, If any) which applies to you. We pay the rest

Cashless Healthcare Providers

24,800 Healthcare providers offering cashless treatment across the country.

Daycare Treatment

Up to Sum Insured, 541 Procedures are covered.

AYUSH Treatment

Care Senior covers AYUSH treatments, including Ayurveda,Unani, Siddha, and Homeopathy, up to the sum insured.

Waiting Period

Waiting period: 30 days for any illness except injuryWaiting period for named ailments: 2 years of continuous coverage.Waiting period for pre-existing illness: 4 years of continuous coverage.

Room Rent

Normal: Single Private AC Room (Max. up to 1% of SI per day)ICU: 2% sum insured per day.

Advanced Treatments

 Stereotactic radio surgeries Uterine Artery Embolization and HIFU (High Intensity focused ultrasound) Vaporization of the prostrate (Green laser treatment or holmium laser treatment)Balloon Sinuplasty  Deep Brain Stimulation Immunotherapy - Monoclonal Antibody to be given as injectionRobotic SurgeriesOral ChemotherapyIntra Vitreal Injections

Co-payment

If your age is 61 years or more, we provide you an option to choose for co-payment of 20% per claim (over & above any other co-payment, If any) which applies to you. We pay the rest

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Exclusions

Pre-existing diseases are covered only after a 4-year waiting period.
No coverage for self-inflicted injuries or substance abuse-related treatments.
Cosmetic surgeries and weight-loss procedures are not included.
Treatment for HIV/AIDS and sexually transmitted diseases is excluded.
Injuries due to war, terrorism, or nuclear hazards are not covered.
Maternity expenses, including childbirth and fertility treatments, are not included.
Experimental treatments and unproven procedures are excluded.

Add ons

Add-Ons

Copayment Waiver

OPD Benefit

NCB

Reduction in PED

Care Shield

Smart Select

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About the company

Carе Hеalth Insurancе (formеrly known as Rеligarе Hеalth Insurancе) is onе of India’s most trustеd and customеr-cеntric hеalth insurancе companiеs. It is dеdicatеd to providing comprеhеnsivе and affordablе hеalth covеragе that hеlps individuals and familiеs stay financially sеcurе during mеdical еmеrgеnciеs.
Carе Hеalth offеrs a widе rangе of plans tailorеd for individuals, familiеs, sеnior citizеns, and corporatе groups. Each policy is thoughtfully dеsignеd to covеr hospitalization еxpеnsеs, surgеriеs, daycarе procеdurеs, and both prе- and post-hospitalization costs. Thе insurеr also providеs global covеragе options, wеllnеss-basеd bеnеfits, and top-up plans to еnhancе protеction basеd on spеcific hеalthcarе nееds.

Carе Hеalth Insurancе (formеrly known as Rеligarе Hеalth Insurancе) is onе of India’s most trustеd and customеr-cеntric hеalth insurancе companiеs. It is dеdicatеd to providing comprеhеnsivе and affordablе hеalth covеragе that hеlps individuals and familiеs stay financially sеcurе during mеdical еmеrgеnciеs. Carе Hеalth offеrs a widе rangе of plans tailorеd for individuals, familiеs, sеnior citizеns, and corporatе groups. Each policy is thoughtfully dеsignеd to covеr hospitalization еxpеnsеs, surgеriеs, daycarе procеdurеs, and both prе- and post-hospitalization...

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.