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 22000 network hospitals with sum insured up to ₹50 lakhs.

96%

Claim Settlement Ratio

22000+

Network Hospitals

0

Customer Rating

Policy Brochure

Get a Quote

96%

Claim Settlement Ratio

22000+

Network Hospitals

0

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Care Senior Health Advantage

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 Senior Health Advantage

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...

Health Advantage Ratings

Ratings: Care Health Advantage

Insurer Rating

7.51

out of 10

Insurance Rating

3.75

out of 10

No Room Rent Limit

Add on

Consumables Covered

No

No Co-payment

No

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

No

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

Yes

Maternity Available

No

Waiting Period Waiver

Yes

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

swipe

Inclusions and Exclusions

Inclusions and Exclusions of Care Senior Health Advantage

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

Cashless Healthcare Providers

Cashless treatment at network hospitals

Waiting Period

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

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

Exclusions

Not available

Add ons

Add-Ons

Copayment Waiver

OPD Benefit

NCB

Reduction in PED

Care Shield

Smart Select

Insurance Premium Calculator

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

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

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...