Care Senior Plan
Care
8.3/10
OneAssure Rating
8.3/10
OneAssure Rating
Highlighted Features
Advanced Treatments Coverage
The plan includes cutting-edge medical procedures such as robotic surgeries, stereotactic radiosurgery, immunotherapy, and oral chemotherapy. This ensures access to modern healthcare technologies for better treatment outcomes.
Flexible Co-payment Option
Policyholders aged 61 and above can opt for a 20% co-payment per claim. This flexibility allows them to manage their premium costs while still receiving extensive coverage for medical expenses.
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Our 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.
About the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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
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 injury
- Waiting period for named ailments: 2 years of continuous coverage.
- Waiting period for pre-existing illness: 4 years of continuous coverage.
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.
Exclusions
Copayment Waiver - Waives copayment for hospitalization expenses for eligible claimants.
OPD Benefit - Covers outpatient consultations, tests, and pharmacy expenses.
NCB - Increases sum insured annually for claim-free years, up to limit.
Reduction in PED - Reduces waiting period for pre-existing diseases from 4 to 2 years.
Care Shield - Safeguards against rising medical inflation, ensuring adequate coverage.
Smart Select - Provides personalized coverage options based on health status and preferences.
Add-ons
Related Variants
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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.
About the Company
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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.
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.
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