Care Senior Citizen health insurance

Senior Citizens and Parents mediclaim insurance by Care - Care Senior

• Best Health insurance highlights for senior citizens

  • 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 the impact of miscellaneous costs that are incurred
  • Care Senior Citizen Health Insurance Plan includes detailed health check-ups at no extra cost facilitate monitoring of the insured’s health and promote a healthy lifestyle
  • Coverage for alternative treatment takes into account the latest practices wherein treatments combine multiple disciplines

• Compare details of Care Senior Citizens medical insurance

  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

• Care senior citizen mediclaim policy terms and wordings

  Minimum entry age	Individual: 61 years and above Floater: 2 Adult (Self, Spouse, Father, Mother)
  Maximum age	Life Long
  Renewal	Lifelong Renewability. The Policy can be renewed under the then prevailing Health Insurance Product or its nearest substitute approved by IRDA.
  Renewal premium	Premium payable on renewal and on subsequent continuation of cover are subject to change with prior approval from IRDA.
  Co-payment	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)
  Waiting period	30 days initial waiting period
  Specific Waiting Period	24 months
  Waiting period for pre-existing illnesses	48 months

• Care Senior exclusions

  • Any diagnosis of diseases / undergoing of surgery / occurrence of event, whose signs or symptoms first occur within 30 days of Policy Period Start date.
  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
  • Medical expenses incurred for treatment of AIDS
  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
  • Congenital disease
  • Tests and treatment relating to infertility and in vitro fertilization.
  • War, riot, strike, nuclear weapons induced hospitalization.