What is the Care Senior Health Plan?

Ageing can lead to various health problems that require extensive Insured care and can even lead to hospitalisation if not treated properly. The increased cost of healthcare and medical inflation can significantly impact your finances, especially during retirement. However, opting for the Care Senior Citizen health insurance plan can provide financial security and ensure that you receive the best possible Insurable care when you need it the most. Care Senior Health Plan by Care Health Insurance is a comprehensive health insurance plan with a sum insured specifically designed for individuals aged 60 and above.

The plan provides comprehensive Insurance protection for elderly individuals against sudden medical expenses, ensuring access to top-notch medical facilities without financial burden. With an affordable premium, senior citizens can select insured sums based on their healthcare requirements without straining their finances, particularly post-retirement. This policy can be bought without a pre-policy medical checkup, although a tele-underwriter may inquire about any pre-existing medical conditions. Noteworthy elements of the Care Senior plan include annual health checkups, cashless hospitalisation, coverage for pre-existing conditions and more than 541 daycare treatments.

Care Senior Health Plan Specifications

KEY FEATURES	₹3L	₹5L, 7L, 10L
In-Patient Hospitalization	Up to the Sum Insured	Up to the Sum Insured
Daycare	Up to the Sum Insured	Up to the Sum Insured
Pre-hospitalization*	30 Days	30 Days
Post-hospitalization*	60 Days	60 Days
Daily Allowance	₹500 per day	---
Ambulance Cover	Up to ₹1,500 per hospitalization	Up to ₹2,000 per hospitalization
Organ Donor	Up to ₹50,000	Up to ₹1 Lac
Domiciliary Hospitalization	Up to 10% of the Sum Insured	Up to 10% of the Sum Insured
Automatic Recharge	✓	✓
Second Opinion	✓	✓
Alternate Treatment	Up to ₹15,000	Up to ₹20,000
No Claim Bonus	✓	✓
Annual Health Check-up	✓	✓
Room Rent	Up to 1% of Sum Insured per day	Sum Insuredngle Private Room (Max. Up to 1% of Sum Insured per day)
ICU Charges	Up to 2% of Sum Insured per day	Up to 2% of Sum Insured per day
Tenure	1 Yr/2 Yrs/3 Yrs	1 Yr/2 Yrs/3 Yrs
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 Lac per knee
Treatment for Ailments like Hernia Surgery, etc.	Up to ₹50,000	Up to ₹65,000
Treatment for Ailments like Cancer Surgery, Bone Fractures, etc.	Up to ₹2 Lakh	Up to ₹2.5 Lakh

Coverage Benefits of Care Senior Health Plan

The primary coverage in Care Health for Senior Citizens is specifically tailored to address the unique healthcare needs of elderly individuals, who are at high risk for age-related illnesses. As a result, the coverage includes a wide range of services and treatments that cater to the specific health concerns of seniors, ensuring they have access to the care they need as they age.

Benefits	Coverage
In-patient Hospitalization	The plan covers hospital expenses for stays over 24 hours.
Pre and Post Hospitalization Expenses	30 days pre-hospitalization and 60 days post-hospitalization are covered for full medical expense reimbursement.
Day-Care Treatment	Hospitals cover 541 procedures with stays of less than 24 hours.
Domiciliary Hospitalization	Insured can get 10% coverage for home treatment if the hospital stay is over 3 days.
Alternative Treatment	The insured can use AYUSH treatment with a limit of 15,000 or 20,000 rupees based on the sum insured.

What’s Covered and Not Covered in Care Health Plan for Senior Citizens

Care Health for Senior Citizens Plan: Inclusions

Accommodation Rent The Room and ICU Charges are restricted to a maximum of 1% and 2% of the Sum Insured, respectively.
Ambulance Charges The covered amount is either Rs 1500 or Rs 2000, depending on the chosen sum insured.
Organ Donor Expenses The expense covered for the transplantation of organs is limited to Rs 50000 and Rs 100000, depending on the chosen Sum Insured.
Optional Add-on Cover Reduced wait for pre-existing conditions from 48 to 24 months
20% co-payment waived
Coverage for 3 benefits claim protected

Waiting periods

30-day waiting period for all illnesses except accidents
48-month wait for pre-existing conditions
24-month waiting period for specific diseases

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Claim Process Of Care Health

More than 22,900 healthcare establishments offer cashless treatments through Care Health Insurance. Notification of planned procedures at non-network hospitals must reach Care Health Insurance 48 hours in advance, or within 48 hours of the patient being admitted to the hospital in the case of an emergency. Notably, authorization for cashless care at non-network hospitals is contingent upon meeting the requirements outlined in your Care Health Insurance policy as well as the hospital's agreements.

Cashless Claims Process

Go to the closest network hospital of care health company.

Approach the front desk to speak with the TPA, or third-party administrator.

TPA will complete and submit your application to Care Health Insurance on your behalf.

If everything is authorized, the claim executive will examine the reports and proceed with processing the claim.

You can begin receiving therapy at the hospital as soon as you receive approval.

Your insurer and the hospital will settle the bill directly after treatment.

Reimbursement Claims Process

Notify Care Health Insurance of your hospital stay (within 48 hours in the event of an emergency, and 48 hours in advance if it is planned).

Pay your hospital costs in full and turn in all required paperwork.

Complete and send in a claim form.

Await the insurer's permission and status report.

Keep in mind that you must:

Submit all paperwork with your claim form within 15 days of discharge.
Save all properly signed paperwork for submission to ensure a seamless claim procedure.[3]

Care Senior Health Plan Contact Details

You may contact Care Health Insurance using the below-mentioned information if you have any queries about Care Health Insurance plans:

Connect with us on WhatsApp: +91-8860402452 (Services)
Connect with us on Call: 1800-102-4499 (Sales)
Website: Care Health Insurance

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