Care Senior Citizens Health Insurance

This benefits provides cover for doctor consultation, diagnostics and pharmacy expenses of up to Rs. 5000 per policy year.

Under this benefit, an individual can choose to opt out of SMART SELECT benefit, which will increase premium by 15%. 

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

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

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. 

Pre-existing diseases are covered immediately after 4 years of continuous coverage under the policy since the issuance of first policy.

There is no requirement for pre-policy medical checkup.

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.

The ICU charges are covered up to 2% of sum insured per day.