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Sum Insured ( Rs. In Lacs) :

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Care Senior

Introducing Care Senior

Post-retirement life comes with a bounty of expectations – for the shackles of the daily grind are gone and one can finally dedicate their time to the things they love! Our parents and elderly relatives can get the best out of this phase if they are in good health and they are reassured by their medical insurance plans. This is why we, at Religare Health Insurance have specially curated health insurance for individuals above 61 years of age. This health insurance plan includes a free annual check-up, tax savings, floater and individual cover, and of course, a servicing team that empathizes and guides you at every step.

Key Features of Care Senior

  • Individual and Floater Cover available
  • No Pre-policy medical check-up*
  • Annual health check-up for all insured persons
  • Automatic recharge of Sum Insured
  • Save tax on a premium of up to 75000 u/s 80D of the Income Tax Act, 1961
  • Up to 150% increase in Sum Insured with NCB and NCB Super**

Key aspects in a health insurance plan for senior citizens

Consider the following points when selecting a medical insurance plan for senior citizens:

  • Cost-The policy should be designed for those who have a fixed, limited income
  • Convenience -It should incorporate features that provide the extra care needed to keep seniors physically and mentally comfortable
  • Coverage -Include coverage for health realities and vulnerabilities that come with old age

Benefits of Senior Citizen Health Insurance Plans

  • Higher sum insured amount addresses the reality of rising medical costs
  • Pre and post hospitalization coverage financially protects the insured during a longer period of illness
  • Ambulance coverage reduces impact of miscellaneous costs that are incurred
  • Detailed health check-ups at no extra cost facilitate monitoring of the insured’s health and promote a healthy lifestyle
  • Coverage for alternative treatment take into account the latest practices wherein treatments combine multiple disciplines

Choosing the best health insurance for Senior Citizens

Factors to consider when choosing a suitable medical insurance plan for senior citizens:

  • Co-payment -Is a Fixed amount to be paid by the insured for every claim. Religare Health Insurance has a 20% co-payment clause on every claim where age of insured/eldest member is 61 years or above.
  • Expenses covered:Care Senior covers a wide spectrum of medical expenses including pre-hospitalization, hospitalization and post hospitalization charges.
  • Waiting Period for Pre-Existing Conditions:Is the time period that must elapse before coverage can begin. It depends on the insured’s medical history and other related factors; in case of pre-existing ailments the wait period is usually 48 months. However, Care Senior offers a 2-year waiting period for pre-existing ailments which is quite reasonable compared to other senior-centric plans.
  • Sub-limits:Care Senior covers a wide spectrum of medical expenses including pre-hospitalization, hospitalization and post hospitalization charges.
  • Additional Features:Care Senior covers a wide spectrum of medical expenses including pre-hospitalization, hospitalization and post hospitalization charges.
  • No Claim Bonus:Care Senior covers a wide spectrum of medical expenses including pre-hospitalization, hospitalization and post hospitalization charges.
Plan Name Care 8 Care 9

Sum Insured (SI) – on annual basis (in Rs.)

3 Lacs 5 Lacs \ 7 Lacs \ 10 Lacs

Age of Proposer

18 years or above 18 years or above

Entry Age – Minimum

Individual: 61 years and above
Floater: 2 Adult (Self, Spouse, Father, Mother)
Individual: 61 years and above
Floater: 2 Adult (Self, Spouse, Father, Mother)

Entry Age – Maximum

Lifelong Lifelong

Exit Age

Lifelong Lifelong

Cover Type

Individual : Maximum up to 6 Persons
Floater : 2A (Self, Spouse, Father, Mother)
Individual : Maximum up to 6 Persons
Floater : 2A (Self, Spouse, Father, Mother)

Pre-policy Issuance Medical Check up

Yes, as per Annexure – 1 Yes, as per Annexure – 1

Hospitalization Expenses

- In-Patient Care

up to SI up to SI

- Day Care Treatment

up to SI up to SI

Pre-Hospitalization Medical Expenses and Post-Hospitalization Medical Expenses

Pre-Hospitalization for 30 days & Post-Hospitalization for 60 days; Maximum up to SI Pre-Hospitalization for 30 days & Post-Hospitalization for 60 days; Maximum up to SI

Daily Allowance

Rs. 500 per day; Max. 5 days per hospitalization covered

Ambulance Cover

Up to Rs 1,500 per hospitalization Up to Rs 2,000 per hospitalization

Organ Donor Cover

Upto Rs.50,000 Upto Rs.1 Lac

Domiciliary Hospitalization

Up to 10% of SI if domiciliary hospitalization exceeds 3 days Up to 10% of SI if domiciliary hospitalization exceeds 3 days

Automatic Recharge

Up to SI (Once in a Policy Year) Up to SI (Once in a Policy Year)

Second Opinion

Once per Major Illness / Injury per policy year Once per Major Illness / Injury per policy year

Alternative Treatments

Up to Rs 15,000 Up to Rs 20,000

No Claims Bonus (NCB)

10% increase in SI per Policy Year in case of claim-free year; Max up to 50% of SI (10% decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCB) 10% increase in SI per Policy Year in case of claim-free year; Max up to 50% of SI (10% decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCB)

Annual Health Check-up

Annual Annual
OPTIONAL COVERS

No Claims Bonus Super (NCBS)

50% increase in SI per Policy Year in case of claim-free year; Max up to 100% of SI (50% decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCBS) 50% increase in SI per Policy Year in case of claim-free year; Max up to 100% of SI (50% decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCBS)

Smart Select

For listed Hospitals : Up to SI; Other Hospitals : Up to SI with an additional co-payment of 20% per claim For listed Hospitals : Up to SI; Other Hospitals : Up to SI with an additional co-payment of 20% per claim

OPD Care (Please refer to point 4 of the Notes below)

5K 10K
Wait Periods, Sub-Limits and Co-Payment

Initial Wait Period

30 Days 30 Days

Named ailments

24 months 24 months

Pre-existing Diseases

48 months 48 months

Room Rent / Room Category

Up to 1% of SI per day Single Private Room (Max. Up to 1% of SI per day)

ICU Charges

Up to 2% of SI per day Up to 2% of SI per day

Treatment of Cataract

Up to Rs. 20,000 per eye Up to Rs. 30,000 per eye

Treatment of Total Knee Replacement

Up to Rs. 80,000 per knee Up to Rs. 1 Lac per knee

Treatment for each and every Ailment / Procedure mentioned below:-
i. Surgery for treatment of all types of Hernia
ii. Hysterectomy
iii. Surgeries for Benign Prostate Hypertrophy (BPH)
iv. Surgical treatment of stones of renal system

Up to Rs. 50,000 Up to Rs. 65,000

Treatment for each and every Ailment / Procedure mentioned below:-
i. Treatment of Cerebrovascular disorders
ii. Treatments / Surgeries for Cancer
iii. Treatment of other renal complications and Disorders
iv. Treatment for breakage of bones

Up to Rs. 2 Lacs Up to Rs. 2.5 Lacs

Co-payment (Please refer to Notes 1, 2, 3 for further details)

20% per claim, where age of Insured / eldest member is 61 years or above (Optional for existing Insured Person on attaining 61 years of Age) 20% per claim, where age of Insured / eldest member is 61 years or above (Optional for existing Insured Person on attaining 61 years of Age)

Tenure

1 Year / 2 Years / 3 Years 1 Year / 2 Years / 3 Years

Note:-

  1. The Co-payment proportion (if applicable) shall be borne by the Insured Person on each Claim which will be applicable on Benefits namely Hospitalization Expenses, Pre Hospitalization Medical Expenses and Post Hospitalization Medical Expenses, Ambulance Cover, Organ Donor Cover, Domiciliary Hospitalization, Alternative Treatments, Care Anywhere, Global Coverage (excluding U.S.A.), Vaccination Cover, Global Coverage Total, Extension of Global Coverage, Maternity cover, Air Ambulance Cover and Additional Sum Insured for Accidental Hospitalization.
  2. At the time of issue of the first Policy with the Company, if Age of Insured Person or eldest Insured Person (in case of Floater) is 61 Years or above, such Insured Person or all Insured Persons (in case of Floater) shall bear a mandatory Co-payment of 20% per Claim (over & above any other co-payment, if any) and the Company’s liability shall be restricted to the payment of the balance amount subject to the available Total Sum Insured.
  3. On attaining 61 years of Age by an existing Insured Person or eldest Insured Person (in case of Floater), the Company provides an option to Insured Person / Policyholder, only on subsequent renewal, to choose for co-payment option of 20% per claim (over & above any other co-payment, if any) which applies to such Insured Person or all Insured Persons (in case of Floater) and thereby get a discount of 20% in Premium to be paid. The Company’s liability shall be restricted to the payment of the balance amount subject to the available Total Sum Insured
  4. Coverage for Optional Cover ‘OPD Care’ is provided for entire Policy year and is available to all the Insured members in a Floater Policy type along with Individual Policy type. All the valid OPD claim expenses incurred by the Insured Person in a policy year will be payable / reimbursed by the Company. However, claim can be filed with the Company, only twice during that Policy year, as and when that Insured Person may deem fit.

Annexure – I

Sr. No. Insured Events % of coverage amount of the Insured Person under this Optional Cover
1 Total and irrecoverable loss of sight of both eyes, or of the actual loss by physical separation of two entire hands or two entire feet, or one entire hand and one entire foot, or the total and irrecoverable loss of sight of one eye and loss by physical separation of one entire hand or one entire foot 100%
2 Total and irrecoverable loss of (a) use of two hands or two feet, or (b) one hand and one foot, or (c) sight of one eye and use of one hand or one foot 100%
3 Total and irrecoverable loss of sight of one eye, or of the actual loss by physical separation of one entire hand or one entire foot 50%
4 Total and irrecoverable loss of use of a hand or a foot without physical separation 50%
5 Paraplegia or Quadriplegia or Hemiplegia 100%

Note: For the purpose of Sr. No. I to IV above, physical separation of a hand or foot shall mean separation of the hand at or above the wrist, and of the foot at or above the ankle.

For the purpose of this Benefit only:
(i) “Hemiplegia” means complete and irrecoverable paralysis of the arm, leg, and trunk on the same side of the body
(ii) “Paraplegia” means complete and irrecoverable paralysis of the whole of the lower half of the body (below waist) including both the legs
(iii) “Quadriplegia” means complete and irrecoverable paralysis of all four limbs.

Annexure II - Basis of treatment of Optional Covers

Optional Covers Pay-out Basis Individual / Floater SUM INSURED AND IMPACT ON BASIC / MEDICAL SUM INUSRED
1.No Claims Bonus Super Indemnity Individual / Floater 50% increase in Basic / Medical SI per Policy Year in case of claim-free year; Max up to 100% of SI.
2.Smart Select Indemnity Individual / Floater Coverage up to Basic / Medical SI applicable in listed hospitals (coverage to non-listed hospitals with a co-payment)
3.OPD Care Indemnity Individual / Floater Separate SI- claim doesn’t impact the Basic / Medical SI

Call:1800-102-4488|1860-500-4488

Disclaimer: For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.

UIN: IRDAI/HLT/RHI/P-H/V.II/253/16-17. UAN2: 18032484.

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