Care Senior Plan

Modern treatment methods are not covered under the plan.

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

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

Consumable expenses are not covered under the plan.

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

2 years for specified named ailments.

3 years for pre-existing diseases.

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

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

OPD expense is not included.

Not available as a standard deductible option.

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

Not available.

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

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

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

96.74% for FY 2024-25.

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

22,100+ cashless healthcare providers.

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

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

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.