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

Policy Brochure

Get a Quote

96

Claim Settlement Ratio

19000

Network Hospitals

8.3

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Care Health Insurance

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...

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

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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 injection
Robotic Surgeries
Oral Chemotherapy
Intra 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

Waiting Period

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

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.

Cashless Healthcare Providers

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

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 injection
Robotic Surgeries
Oral Chemotherapy
Intra 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

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.

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.