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Religare Health Insurance for Senior Citizens

Senior citizens, parents or elderly members of your family are more vulnerable to fall sick and the cost of health treatment for them can be very high. Religare has specially designed best health insurance for older parents with coverage options up to 10 lakhs. This product is popularly known as Care Freedom and offers coverage for pre-existing conditions are 2 years of waiting period and has unlimited renewability.
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Senior Citizens and Parents mediclaim insurance by Religare - Care Freedom

  • Highlights
  • Benefit Table
  • Exclusions
  • Policy terms

Best Health insurance features for senior citizens

  • In-patient Care (hospitalisation more than 24 hours)
  • Day Care Treatment(hospitalisation less than 24 hours)
  • Pre and post hospitalization cover
  • Ambulance cover
  • Domiciliary hospitalisation
  • Consumable Allowance
  • Recharge of sum insured
  • Health check-up
  • Longer policy term
  • Tax benefit
  • Free look period
  • Cashless treatment at leading hospital
  • Direct claim settlement

Compare details of Religare Senior Citizens medical insurance

Features 3 Lac (Plan 1) 5 Lac (Plan 1) 7 Lac / 10 Lac (Plan 2)
In-patient Care
Upto Sum Insured Upto Sum Insured Upto Sum Insured
Day Care Treatment Upto Sum Insured Upto Sum Insured Upto Sum Insured
Recharge of Sum Insured
100% of original SI upon exhaustion of SI 100% of original SI upon exhaustion of SI 100% of original SI upon exhaustion of SI
Annual Health Check-up
Annually Annually Annually
Consumable Allowance(Max. 7 days per Hospitalization covered after 3 days)
750 per day 1,000 per day 1,000 per day
Companion Benefit(If Hospitalization exceeds 10 days) 10,000 15,000 15,000
Pre-hospitalization expenses (valid till 30 days beyond the Policy End Date)
Upto 7.5% payable Hospitalization expenses Upto 10% payable Hospitalization expenses Upto 10% of payable Hospitalization expenses
Post-hospitalization expenses (valid till 30 days beyond the Policy End Date)
Upto 7.5% payable Hospitalization expenses Upto 10% payable Hospitalization expenses Upto 10% of payable Hospitalization expenses
Ambulance Cover
Upto 1,000 per Hospitalization Upto 1,000 per Hospitalization Upto 1,000 per Hospitalization
Domiciliary Hospitalization
Upto 10% of Sum Insured covered after 3 days Upto 10% of Sum Insured covered after 3 days upto 10% of Sum Insured covered after 3 days
Dialysis Cover Upto 1,000 per sitting limited upto 24 consecutive months Upto 1,000 per sitting limited upto 24 consecutive months Upto 1,000 per sitting limited upto 24 consecutive months
Tenure 1 Year/2 Years/3 Years 1 Year/2 Years/3 Years 1 Year/2 Years/3 Years

Religare Care Freedom Exclusions

  • Any pre-existing ailment/injury not covered upto 24 continuous months from the date of policy issuance
  • Any diseases contracted during first 30 days of the policy start date except those arising out of accidents
  • Any OPD Treatment
  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
  • Cost of spectacles/contact lenses, dental treatment expenses that do not require hospitalisation
  • Medical expenses incurred for treatment of AIDS
  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
  • Congenital disease
  • Tests and treatment relating to infertility.
Remember, there are some treatments such as non-infective arthritis, joint replacement etc., which are covered only after completion of 2 consecutive policy years.

Religare parents health insurance - policy terms and wordings

  1. Minimum Entry Age
    Care Freedom Pan - 1(3lac/5lac)
    Adult - 18 Years
    Child - 90 Days

    Care Freedom Pan - 2(3lac/5lac/7lac/10lac)
    a)Individual
    46 years

    b)Floater
    Eldest insured person – 46 years
    Other Adult: 18 Years
    Child:90 Days.

  2. Maximum Entry Age
    Individual :Lifelong              Floater : Lifelong Age of proposer 18 years or above,

  3. Cover Type: Floater/Individual(upto 6 members)

  4. Renewal: Lifelong Renewal. The policy can be renewed under the then prevailing Health Insurance Product or its nearest substitute approved by IRDAI

  5. Grace Period: 30 days from the date of expiry

  6. Initial Waiting Period: 30 days from any illness

  7. Waiting Period-Name Ailments: 2 years of continued coverage

  8. Waiting Period-Pre existing Diseases: 2 years of continued coverage

Sub limits

Sum Insured 3 Lac 5 Lac 7 Lac / 10 Lac
Room Rent/Room Category Twin Sharing Room subject
to a maximum of 1% of SI per day
Twin Sharing Room Single Private Room
ICU Charges Upto 2% of SI per day No limit No limit
Co-payment* 20% / 30% per claim 20% / 30% per claim 20%
Beyond 70 years of age: increase in co-payment by 10% per claim (optional, though mandatory for first time entrants)
Treatment of Cataract Upto 20,000 per eye Upto 30,000 per eye Upto 30,000 per eye
Treatment of Total Knee Replacement Upto 80,000 per knee Upto 1,00,000 per knee Upto 1,20,000 per knee
Treatment for each and every Ailment/Procedure mentioned below:-
  • Surgery for treatment of all types of Hernia
  • Hysterectomy
  • Surgeries for Benign Prostate Hypertrophy (BPH)
  • Surgical treatment of stones of renal system
Upto 50,000 Upto 65,000 Upto 80,000
Treatment for each and every Ailment/Procedure mentioned below:-
  • Treatment of Cerebrovascular and Cardiovascular disorders
  • Treatment/Surgeries for Cancer
  • Treatment of other renal complications and disorders
  • Treatment for breakage of bones
Upto 2,00,000 Upto 2,50,000 Upto 3,00,000
*The applicable Co-payment will increase by 10% per claim in the policy year following the insured person (or eldest insured person in the case of a floater cover) attaining age 71. If an insured person (or eldest insured person in the case of a floater cover) attains age 71 years during policy period, additional 10% co-payment will be applicable to the policy at the time of subsequent renewal. However, if the age of the insured person or eldest insured person (in case of floater) at the time of issue of the first policy with the company is 70 years or below, then the insured person has an option to waive the condition for the additional 10% co-payment upon payment of extra premium in this regard.

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