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Care Senior Citizens Health Insurance

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Care Health Insurance
Care Senior
Cashless Approval TAT2 hr Cashless Claim Processing
Claim Settlement Ratio95.22%
Network Hospitals21,100+
Pre-existing Disease Coverage FromDay 1
Special BenefitsNo Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs coverageRs. 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 insured options of Rs. 3 Lakh and Rs. 5 Lakh, Rs. 7 Lakh, Rs. 10 Lakh. Read on to know all about the Care Senior Health Insurance Plan.

Care Senior Health Insurance Plan At a Glance


Family and Floater


No Claim Bonus Super, Care Shield, Co-payment Waiver



Key features

Cover for senior citizens, no pre-medical test required, additional discounts, etc


Pre and post hospitalisation, Day care procedure coverage, alternate treatment, ambulance cover, etc


Expenses due to self-inflicted injuries, adventurous activities, etc

Key Features of Care Senior Health Insurance Plan

Listed below are the features of the Care Senior Health Insurance Plan:

  • Designed for Your Golden Year: The Care Senior Health Insurance plan is designed to cater to your health insurance needs after retirement.
  • No Pre-medical Test Required: There is no pre-medical check-up required to buy the Care Senior Health Plan.
  • Discounts: To save on your health insurance premium, you will also get a multi-year discount, renewal discounts, multi-year, and other discounts will be available.
  • Day Care Procedures: With health care insurance for senior citizens, you will also get coverage for daycare procedures. Coverage is offered for over 500 daycare procedures.

Eligibility of Buying Care Senior Health Plan

Listed below are the eligibility criteria for buying the Care Senior Health plan:

Minimum entry age

61 years

Maximum entry age


Cover Type

Family or floater

Number of people covered

Individual, spouse, and dependant children (up to 25 years of age)



Benefits of Buying Care Senior Health Plan

Listed below are the benefits of buying the Care Senior health plan:

  • No Claim Bonus Benefit: 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.
  • OPD Cover: 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.
  • Sum Insured: While buying the Care Senior plan, policyholders have the flexibility to choose a desired sum insured. Policyholders can choose the sum insured between Rs. 3 lakhs, Rs. 5 lakhs, or Rs. 7 lakhs.
  • Alternate Treatment: Health insurance for senior citizens also provides coverage for alternate treatment. For alternate treatment, the coverage given is maximum up to Rs. 20,000.
  • Domiciliary Treatment: Under domiciliary treatment, coverage of up to Rs. 20,000 is given so that the treatment of the policyholder is never compromised.
  • Annual Health Check-ups: With the Care Senior plan, you will also get the benefit of annual health check-ups for all insured members.
  • Ambulance Cover: The Care Senior Health plan also provides coverage for ambulance coverage. A maximum coverage of up to Rs. 2000 is given with the Care Senior plan.

Inclusions and Exclusions of Care Senior Health Plan


  • In-patient hospitalisation: Up to the sum insured
  • Pre-hospitalisation: Up to the sum insured, for 30 days
  • Post-hospitalisation: Up to the sum insured, for 60 days
  • Daily allowance: For daily allowances, the Care Senior offers financial assistance of Rs. 500/day
  • Ambulance cover: Up to Rs. 2000 per hospitalization
  • Organ donor: For organ transplant, financial assistance of up to Rs. 1 lakh is offered
  • Domiciliary hospitalisation: 10% of SI
  • Alternate treatment: Up to Rs. 20,000


  • Any expenses due to self-inflicted injuries
  • Expenses due to consumption of alcohol
  • Any expenses arising due to miscarriage or abortion
  • Internal congenital disease expenses
  • Expenses due to in vitro fertilization or IVF
  • Any injury due to war or nuclear weapon is not covered

Riders Available with Care Senior Health Insurance Plan

Listed below are the different riders you can include in your Care Senior Health Insurance plan:

  • Reduction in PED Waiting Period: With this add-on, you can get the waiting period for pre-existing conditions reduced from 48 to 24 months.
  • No Claim Bonus Super: In case of a claim-free year, the sum insured gets increased by 50%, up to a maximum of 100%.
  • OPD Care: With this add-on, you can get coverage for doctor consultations, prescribed diagnostic tests, and pharmacy, for up to Rs. 50,000.
  • Care Shield: The Care Shield offers 3 benefits, claim shield, inflation shield, and no claim bonus shield.
  • Co-payment waiver: This add-on waives off the co-payment by up to 20%.

Documents Required to Buy Care Senior Health Plan

Listed below are the documents required to buy Care Senior Health insurance plan:

  • A duly-filled proposal form
  • Passport
  • Photograph
  • Aadhaar card
  • PAN card
  • Birth certificate
  • Bank passbook
  • Electricity bill
  • Previous medical report

How to Buy Care Senior Health Plan?

Here is how you can buy Care Senior health plan:

  • Visit the “Health Insurance” section on the official InsuranceDekho website.
  • Choose "Care Health Insurance" from the list of health insurance companies.
  • Then, select "Senior plan" from the available health insurance plans.
  • Read the policy documents carefully
  • Upload all the necessary documents to complete the KYC process
  • After finishing the KYC process, pay the premium online
  • Finally, you will receive the policy document in your registered email

Claim Process of Care Senior Health Plan

You can raise two types of claims along with the Care Senior Health Plan, cashless claim and reimbursement claim. In cashless claims, you do not need to spend anything from your own pocket as the expenses are directly settled by the health insurance company. On the other hand, in a reimbursement claim settlement, the medical expenses will be reimbursed by the insurance company.

Cashless Claim Process

  • First, visit a nearby network hospital
  • Then, fill out the proposal form and enter all the required information such as policy number, age, etc
  • Next, all the documents will be verified, after which the claim request will be approved
  • Once the claim request is approved, the expenses will be directly settled by the insurance company

Reimbursement Claim Process

  • For reimbursement claims, you can seek treatment at any hospital
  • Next, raise a claim request on the official website of Care Health Insurance
  • Submit all the required documents such as medical reports, hospital expenses, and more
  • Later, when all the documents are verified, you will receive reimbursement for all the medical expenses

Health Insurance Calculator

Whom do you want the insurance for ?


Select the age of all members

  • You

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Choose required Coverage for yourself?

5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members
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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/PlanCare Senior (3 lakh)Care Senior (5, 7, 10 lakh)
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)
ICU Charges
2% of SI
2% of SI
Pre and Post Hospitalization
30 & 60 days
30 & 60 days
Day Care Procedure
Free Health Checkup
Yes, all members
Yes, all members
Organ Donor
Up to Rs. 50000
Up to Rs. 100000
Domiciliary Hospitalization
Up to 10% of SI
Up to 10% of SI
Ambulance Cover
Up to Rs. 1500 per hospitalization
Up to Rs. 2000 per hospitalization
20% of claims
20% of claims
Initial Waiting Period
30 days
30 days
Specific Illness Waiting Period
2 years
2 years
Waiting Period of PED
4 years
4 years
Additional Features
No claim bonus super, OPD care, Smart select
No claim bonus super, OPD care, Smart select
Special Feature
Policy is available for the customer with diabetes mellitus, hypertension, lipid disorder, obesity, smoking/alcohol/tobacco consumption
Policy is available for the customer with diabetes mellitus, hypertension, lipid disorder, obesity, smoking/alcohol/tobacco consumption
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6003 Care Cashless Network Hospitals in India

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Care Senior User Reviews

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What users are saying
  • All
  • Plethora of options

    I came to InsuranceDekho looking for a suitable health plan for my parents. I was impressed with the plethora of specific options for senior citizens. I did my research and chose Care Health Insurance’s Care Senior plan. It is well-aligned with my preferences and within my budget.

    By Ipsita Singh
    On: Jan 14, 2021
  • Outstanding experience

    Issuing Care Health Insurance’s Care Senior plan was an outstanding experience for me, thanks to InsuranceDekho. This plan comes with a complimentary annual health checkup as well. Every step of the policy issuance was smooth. From quote generation to final payment, it took only 5 minutes to complete.

    By Vinod Duggar
    On: Dec 31, 2020
  • Information on claim settlemen...

    I did not have any clue about the claim settlement ratio until I used the InsuranceDekho portal. The website provided me with details about the claim settlement ratio. Based on the details, I understood how significant it was. I chose Care Health Insurance’s Care senior plan based on the claim settlement ratios of the insurance company.

    By Chandrima Bose
    On: Dec 24, 2020
  • Wide network of partner hospit...

    It is important to check the network of partner hospitals of the insurer when you are considering to get a health insurance policy. This information will help during the cashless claim settlement. I visited InsuranceDekho, checked the network hospitals' availability for Care Health Insurance before purchasing their Care Senior plan.

    By Sompita Acharya
    On: Dec 14, 2020
  • Convenient renewal

    With InsuranceDekho, renewing the Care Senior policy of Care Health Insurance issued for my father was really convenient. I was amazed to find that the renewal procedure was as smooth as the purchasing of the policy. It was done in no time. I just followed all the instructions given there.

    By Sariya Choudhury
    On: Dec 01, 2020

Add-ons to Enhance Benefits

  • 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.


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

  • 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

  • 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. 

  • 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
  • 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
  • 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. 

Care Care Senior Brochure

  • 803.05 KB
  • PDF Document
  • Apr 16, 2019

Claim Process at Care Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Care Senior Health Insurance Plan

  • 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.

  • 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.

  • Is there requirement for pre-policy medical checkup under Care Senior?

    There is no requirement for pre-policy medical checkup.

  • 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.

  • 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.

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