What is the waiting period for pre-existing diseases in this plan?

The waiting period for pre-existing diseases is 24 months. Named ailments also carry a waiting period of 24 months under this policy.

Does this plan offer health check-ups for senior citizens?

Yes, annual health check-ups are available from Day 1 for all insured members. Tests are available on a cashless basis at network labs.

How does cashless hospitalization work under this plan?

The insured person can avail treatment at network hospitals under the cashless facility. Health check-ups can also be booked through the customer mobile application or partner portal.

Is co-payment mandatory in Care Senior Health Advantage?

Yes, the plan includes a mandatory 50% co-payment on all claims till age 70 years. An additional 10% co-payment applies after age above 70 years.

OneAssure

Health Insurance

Care

Senior Health Advantage

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

0

Customer Rating

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96

Claim Settlement Ratio

19000

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: Care Health Insurance

Final Verdict

Care Senior Health Advantage is a senior-focused health insurance plan offering lifelong renewability, Day 1 health check-ups, and elderly-specific hospitalization coverage with mandatory co-payment.

About

About Care Health Insurance

Care Senior Health Advantage is a senior citizen health insurance plan designed for individuals aged 60 years and above. The plan provides coverage for hospitalization, AYUSH treatment, domiciliary care, organ donor expenses, and all day care procedures. It also includes annual health check-ups from Day 1, unlimited e-consultations, and value-added discount services. With no upper entry age limit and lifelong renewability, the plan is intended for elderly individuals and families looking for long-term health coverage support.

Care Senior Health Advantage is a senior citizen health insurance plan designed for individuals aged 60 years and above. The plan provides coverage for hospitalization, AYUSH treatment, domiciliary care, organ donor expenses, and all day care procedures. It also includes annual health check-ups from Day 1, unlimited e-consultations, and value-added discount services. With no upper entry age limit and lifelong renewability, the plan is intended for elderly individuals and families looking for long-term health coverage...

Inclusions and Exclusions

Inclusions and Exclusions of Care Insurance Company Limited

Room Rent

Normal: Twin Sharing Room
ICU: Up to 2% of Sum Insured per day

Advanced Treatments

Advanced technology methods covered

Co-payment

50% co-payment on all claims till age 70 years

Waiting Period

Initial Waiting Period: 30 days
Pre-existing Disease Waiting Period: 24 months
Specific Disease/Procedure Waiting Period: 24 months

Cashless Healthcare Providers

Cashless treatment at network hospitals

Daycare Treatment

All day care procedures covered

AYUSH Treatment

Covered up to Sum Insured

Room Rent

Normal: Twin Sharing Room
ICU: Up to 2% of Sum Insured per day

Advanced Treatments

Advanced technology methods covered

Co-payment

50% co-payment on all claims till age 70 years

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Exclusions

Not available

Add ons

Add-Ons

Copayment Waiver

OPD Benefit

NCB

Reduction in PED

Care Shield

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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...