Care Health Insurance for Senior Citizens

Senior Citizens and Parents mediclaim insurance by Care - Care Senior

• Best health insurance features for senior citizens

  • Higher sum insured amount addresses the reality of rising medical costs
  • Pre and post hospitalization coverage financially protects the insured during a longer period of illness
  • Ambulance coverage reduces the impact of miscellaneous costs that are incurred
  • Senior Citizen Health Insurance Plan includes detailed health check-ups at no extra cost facilitate monitoring of the insured’s health and promote a healthy lifestyle
  • Coverage for alternative treatment takes into account the latest practices wherein treatments combine multiple disciplines

• Compare details of Care Senior Citizens medical insurance

  Plan Name
  Sum Insured (SI) – on annual basis (in Rs.)	3 Lacs	5 Lacs \ 7 Lacs \ 10 Lacs
  In-Patient Hospitalization	Up to Sum Insured	Up to Sum Insured
  Pre-Hospitalization & Post Hospitalization	Up to SI, 30 days/60 days	Up to SI, 30 days/60 days
  Day Care Treatments	Up to SI, 541 Procedures	Up to SI, 541 Procedures
  Room Eligibility	1% SI per day	Single Private AC Room (Max. up to 1% of SI per day)
  ICU Charges	2% SI per day	2% SI per day
  Daily Allowance	500 per day; max. 5 days	NA
  Ambulance Cover	Up to 1,500 per hospitalization	Up to 2,000 per hospitalization
  Domicillary Hospitalization	Up to 10% of SI, covered after 3 days	Up to 10% of SI, covered after 3 days
  Annual Health check-up	Yes, all members	Yes, all members
  Automatic Recharge of Sum Insured	Yes to SI (Once in a Policy Year)	Yes to SI (Once in a Policy Year)
  No Claim Bonus	10% increase in SI per Policy Year in case of claim-free year; Max up to 50% of SI	10% decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCB
  Organ Donor Cover	Up to 50,000	Up to 1,00,000
  Second Opinion	Yes	Yes
  Alternative Treatments	Up to 15,000	Up to 20,000
  Sub - limits
  Treatment of Cataract	Up to 20,000 per eye	Up to 30,000 per eye
  Treatment of Total Knee Replacement	Up to 80,000 per knee	Up to 1,00,000 per knee
  Treatment for each and every Ailment / Procedure mentioned below:- i. Surgery for treatment of all types of Hernia ii. Hysterectomy iii. Surgeries for Benign Prostate Hypertrophy (BPH) iv. Surgical treatment of stones of renal system	Up to Rs. 50,000	Up to Rs. 65,000
  Treatment for each and every Ailment / Procedure mentioned below:- i. Treatment of Cerebrovascular disorders ii. Treatments / Surgeries for Cancer iii. Treatment of other renal complications and Disorders iv. Treatment for breakage of bones	Up to Rs. 2 Lacs	Up to Rs. 2.5 Lacs

• Care (Formerly Religare) parents health insurance - policy terms and wordings

  Minimum entry age	Adult: 61 years
  Maximum age	Adult : Life Long
  Renewal	Lifelong Renewability. The Policy can be renewed under the then prevailing Health Insurance Product or its nearest substitute approved by IRDA.
  Co-payment	20% per claim, where age of Insured / eldest member is 61 years or above (Optional for existing Insured Person on attaining 61 years of Age)
  Waiting period	Named aliment Waiting period - 24 months of continued coverage Pre - existing disease Waiting period - 48 months of continued coverage
  Grace period	30 days from the date of expiry

• Care Care Senior exclusions

  • Any diagnosis of diseases / undergoing of surgery / occurrence of event, whose signs or symptoms first occur within 30 days of Policy Period Start date.
  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
  • 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 and in vitro fertilization.
  • War, riot, strike, nuclear weapons induced hospitalization.