Care Senior Citizens Health Insurance

Cashless Approval TAT | 2 hr Cashless Claim Processing |
Claim Settlement Ratio | 95.22% |
Network Hospitals | 21,100+ |
Pre-existing Disease Coverage From | Day 1 |
Special Benefits | No Extra Premium for Disease Coverage |
Starting Premium for Rs. 5 lakhs coverage | Rs. 546/month |
About Care Senior Citizens Health Insurance
Care Senior Plan by Care Health Insurance (Religare) is an affordable medical insurance plan for senior citizens. The plan is available in individual as well as in floater options. The plan offers sum assured options of Rs. 3 Lakh and Rs. 5 Lakh, Rs. 7 Lakh, Rs. 10 Lakh. The plan offers a benefit of up to 150% increase in sum assured with no-claim bonus and no-claim bonus super options. The no-claim bonus super is an optional cover. Also, there is no need for pre-policy medical checkup for buying this policy.
The plan comes with optional covers of OPD care of up to Rs. 5000 per policy year, which covers doctor consultations, diagnostics and pharmacy expenses. Under this plan, an individual can also choose to opt-out of SMART SELECT benefit, which will increase the premium by 15%.
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Key Inclusions and Exclusions of the Plan
What's Included
- Complimentary annual health checkup for all insured members every year
- Organ donor coverage up to Rs. 100000 depending on the sum assured
- In-patient treatment expenses are covered for hospitalisation for a minimum period of 24 consecutive hours
- Up to 541 day care treatments are covered, which require less than 24 hours of hospitalisation
- Treatment expenses incurred up to 60 days before and 90 days after discharge are covered up to SI
What's Not Included
- Expenses arising out of or attributable to alcohol or drug use/abuse
- Expenses related to self-inflicted injury such as suicide, etc. is not covered
- Injury or diseases directly or indirectly related to psychiatric or mental disorders
- Medical expenses incurred during the first 30 days of the inception of the policy, expect those arising out of an injury is not covered
- Any pre-existing illness/disease is not covered for the first 4 years
Care Senior Plan Details
Features/Plan | Care Senior (3 lakh) | Care Senior (5, 7, 10 lakh) |
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Restoration Benefit | 100% of SI | 100% of SI |
No Claim Bonus | Up to 150% of SI | Up to 150% of SI |
Room Rent | 1% of SI per day | Single private AC room (max 1% of SI) |
1716 Care Cashless Network Hospitals in India
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Add-ons to Enhance Benefits
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No Claim Bonus SUPER
In case of a no-claim year, the sum insured is increased by 50% up to a maximum of 150% of the total sum insured. In case of a claim, the bonus gets reduced by 50% of sum insured. The increase in sum insured does not increase the sub-limits applicable to the policy.
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OPD CARE
This benefits provides cover for doctor consultation, diagnostics and pharmacy expenses of up to Rs. 5000 per policy year.
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Removal of SMART SELECT Benefit
Under this benefit, an individual can choose to opt out of SMART SELECT benefit, which will increase premium by 15%.
Care Senior Expert Review
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Expert Review
Senior citizens health insurance policies are similar to individual health insurance policies but are usually available at high premiums, strict medical check-ups and high waiting periods for pre-existing diseases. But Religare’s Care Senior plan, especially designed for the senior citizens, is not one of them. It proves to be a savior for those who are retired and have no regular income and can be concluded as the right health insurance plan for senior citizens in many ways.
To start with, the plan comes in two different variants differing in the sum insured options and plan coverage features. It offers a range of sum insured options to the interested individuals to choose from -Rs. 3 Lakh, Rs. 5 Lakh, Rs. 7 Lakh, and Rs. 10 Lakh. The plan is aimed basically to the individuals who are above 61 years of age. However, there is no restriction on maximum age. The plan provides the facility to add family members as well. They may include two adults of self, spouse, father, and mother.
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Major Attractions
The list of benefits for the senior citizens under this plan is not small. The policyholders, if covered under this plan, get several coverage features such as- domiciliary hospitalisation, ambulance cover, organ donor cover, second opinion for major illness or injury once every policy year, and cover for alternative treatments. Other than these, the plan provides optional covers too to the policyholders to enhance their coverage areas by paying an additional premium amount. All of these are available for individual as well as family plans. Some other benefits of the plan are highlighted below-
- Annual health check-up
- In-patient hospitalisation care
- Daily allowance up to a certain limit
- Automatic recharge for up to the Sum Insured
- 30 days pre-hospitalisation cover and 60-day post-hospitalisation cover maximum up to the sum insured
- Smart Select option for up to the sum insured for listed hospitals. It is available in all the sum insured options.
- No Claim Bonus Super option providing a 50% increase in the Sum Insured for every year a claim is not made. It can be availed for up to a maximum of 100% of the Sum Insured
- Optional OPD care, the claim for which does not impact the basic/medical Sum Insured
- No Claim Bonus-10 % increase in the Sum Insured for every claim-free year for a maximum of 50% of the Sum Insured
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What’s More?
Apart from the wide range of coverage features, the plan has some additional benefits to offer too. These are-
- Lifelong renewability
- Tax benefits under Section 80D of the Income Tax Act
- Cashless hospitalisation at network hospitals
- 20% discount on the premium on opting 20% co-payment on claims on attaining 61 years of age
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Conclusion
So, with such a huge list of coverage features and benefits, the plan covers all your health-related requirements by leaving you nothing but satisfied.
The best way to purchase this health insurance policy is online. You can visit the insurer’s website or get in touch with the leading health insurance brokers like InsuranceDekho. At InsuranceDekho, you get certain advantages of buying this plan such as less paperwork, more transparency, ease of transaction, best deals based on need analysis and time-saving too.

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FAQs on Care Senior Health Insurance Plan
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What is the eligibility for purchasing a Care Senior plan?
The minimum entry age under the policy is 61 years, and there is no restriction on maximum entry age.
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Does plan covers pre-existing diseases?
Pre-existing diseases are covered immediately after 4 years of continuous coverage under the policy since the issuance of first policy.
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Is there requirement for pre-policy medical checkup under Care Senior?
There is no requirement for pre-policy medical checkup.
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Does Care Senior plan offers organ donor cover?
Under this plan, there is coverage for organ donor of up to Rs. 50000 for sum assured of Rs. 3 Lakh and Rs. 100000 for Rs. 5 Lakh, Rs. 7 Lakh, Rs. 10 Lakh sum assured.
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Is there any sub-limit on ICU charges under Care Senior plan?
The ICU charges are covered up to 2% of sum insured per day.