Care Senior Plan
Care Health Insurance
8.3/10
OneAssure Rating
8.3/10
OneAssure Rating
Highlighted Features

Advanced Treatments Coverage
The plan includes cutting-edge medical procedures such as robotic surgeries, stereotactic radiosurgery, immunotherapy, and oral chemotherapy. This ensures access to modern healthcare technologies for better treatment outcomes.

Flexible Co-payment Option
Policyholders aged 61 and above can opt for a 20% co-payment per claim. This flexibility allows them to manage their premium costs while still receiving extensive coverage for medical expenses.
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Our Verdict
This plan is specifically designed for senior citizens. The insurance company will cover only 80% of the total bill, which can be waived by opting for an add-on. There are long waiting periods of up to 4 years for pre-existing diseases, and sub-limits on room rent also apply. Additionally, the yearly bonus reduces if a claim is made. This plan is usually a cost-effective option for those willing to compromise on features and bear a portion of the bill in case of a claim.
About the Plan
The Care Senior Plan is a specialized health insurance policy designed for senior citizens, offering comprehensive medical coverage tailored to their needs. It includes hospitalization expenses, pre- and post-hospitalization care, daycare procedures, and ambulance charges. The plan often covers pre-existing diseases after a waiting period and may offer annual health check-ups. With cashless treatment at network hospitals and no-claim bonuses, it ensures financial security and hassle-free healthcare. Ideal for elderly individuals seeking reliable and affordable health coverage.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: Single Private AC Room (Max. up to 1% of SI per day)
ICU: 2% sum insured per day.
Advanced Treatments
Stereotactic radio surgeries
Uterine Artery Embolization and HIFU (High Intensity focused ultrasound)
Vaporization of the prostrate (Green laser treatment or holmium laser treatment)
Balloon Sinuplasty
Deep Brain Stimulation
Immunotherapy - Monoclonal Antibody to be given as injection
Robotic Surgeries
Oral Chemotherapy
Intra Vitreal Injections
Co-payment
If your age is 61 years or more, we provide you an option to choose for co-payment of 20% per claim (over & above any other co-payment, If any) which applies to you. We pay the rest
Waiting Periods
Waiting period: 30 days for any illness except injury
Waiting period for named ailments: 2 years of continuous coverage.
Waiting period for pre-existing illness: 4 years of continuous coverage.
Cashless Healthcare Providers
24,800 Healthcare providers offering cashless treatment across the country.
Day Care Treatments
Up to Sum Insured, 541 Procedures are covered.
AYUSH Treatment
Care Senior covers AYUSH treatments, including Ayurveda,Unani, Siddha, and Homeopathy, up to the sum insured.
Exclusions
Pre-existing diseases are covered only after a 4-year waiting period.
No coverage for self-inflicted injuries or substance abuse-related treatments.
Cosmetic surgeries and weight-loss procedures are not included.
Treatment for HIV/AIDS and sexually transmitted diseases is excluded.
Injuries due to war, terrorism, or nuclear hazards are not covered.
Maternity expenses, including childbirth and fertility treatments, are not included.
Experimental treatments and unproven procedures are excluded.
Exclusions
No Claim Bonus - Increases sum insured annually for claim-free years.
Annual Health Check-up - Covers yearly medical tests for preventive care.
Domiciliary Hospitalization - Provides coverage for home-based medical treatment.
Second Medical Opinion - Offers expert consultation for critical illnesses.
Add-ons
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Why OneAssure?
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About the Company
Care Health Insurance, previously known as Religare Health Insurance Company Limited, is a trusted health insurance provider offering plans to protect you and your family during medical emergencies. Founded in 2012, it has settled 48 lakh claims and covered over 7 crore lives since inception. Care ensures seamless access to advanced treatments, AYUSH therapies, and more.
Care Health Insurance delivers comprehensive health coverage tailored to diverse needs. Plans like Care Supreme provide high cumulative bonuses, no sub-limits on room or treatment types, and early coverage for conditions such as diabetes with an additional premium. Care Health Insurance prioritizes health and financial security, offering reliable support for every stage of life.