\ Religare Senior Citizen Mediclaim Health Insurance, Best Senior citizen Health Insurance by Religare
Care (Formerly Religare) Health Insurance

Care Formerly Religare Senior Citizen health insurance

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Care (Formerly Religare) senior citizen mediclaim health insurance

Senior citizens, parents or elderly members of your family are more vulnerable to fall sick and the cost of health treatment for them can be very high. Care (Formerly Religare) has specially designed best health insurance for older parents with coverage options up to 10 lakhs.
  • Individual and Floater Cover available
  • No Pre-policy medical check-up
  • Annual health check-up for all insured persons
  • Auto Recharge of Policy Sum Insured
  • Additional Features like Tax Benefit under section 80D

Care Health Insurance Review

Care Health Insurance
Care Health Insurance sum insured
4 lacs − 600 lacs options available
Incurred Claims Ratio *
55.00%
Care Health Insurance tenure options
1, 2 or 3 years options available
Claims Settlement Ratio **
93.44%
List of network hospitals
7,400+ hospitals
Number of policies issued *
6,91,739
Maximum family floater coverage
Self, Spouse + dependent (children + parents)
Number of lives covered *
1,07,13,000
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

Senior Citizens and Parents mediclaim insurance by Care (Formerly Religare) - Care Senior

  • Highlights
  • Benefit Table
  • Policy terms
  • Exclusions

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
  • 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 (Formerly Religare) 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 (Formerly Religare) senior citizen health insurance - 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 (Formerly Religare) 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.

Care (Formerly Religare) health insurance FAQ's

Care (Formerly Religare) Health Insurance (RHI), the health insurance arm of Care (Formerly Religare) Enterprises Limited (REL), is a specialized Health Insurer offering health insurance services to employees of corporates, individual customers and for financial inclusion as well. Launched in July’12, Care (Formerly Religare) Health Insurance is promoted by Care (Formerly Religare) Enterprises Limited, a leading diversified financial services group based out of India; its other shareholders are Union Bank of India & Corporation Bank. The promoters are also the founders of Fortis hospitals, SRL Diagnostics and Care (Formerly Religare) Wellness – India’s leading wellness and pharmacy retailers.

Some of the key features under this plan include:

  • Five Plans with Sum insured options from ₹4 lacs to ₹600 lacs (6 crs)
  • 30/60 Pre and Post hospitalization medical expenses covered
  • Room Rent, ICU Charges, Day Care charges remain covered
  • Ambulance Charges remain Covered as per limits
  • Domiciliary Hospitalisation
  • No Claims Bonus (NCB) offered upto 150% of SI after 5 claim free renewals
  • Covers more than 540 Day Care treatments
  • Inbuilt Maternity coverage of upto ₹ 1 lac under specific plans
  • Avail treatment anywhere in the world for 12 defined major illnesses under “Care Anywhere” on Cashless basis
  • Auto Recharge of Policy Sum Insured, as well as an option to avail Personal Accident Cover
  • Covers Non Allopathic treatment like Ayurveda, Homeopathy, Unani & Sidha (AYUSH)
  • Coverage for Modern Treatments like Robotic Surgery, HIV/AID

Some of the key exclusions are below…please go through the entire list of exclusions which are part of the terms and conditions of the policy:

  • 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
  • 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

Brochure

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Policy wordings

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    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022
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