Way Back in 1994 my grandfather used to say ‘old age is a curse’ and he had made it known that if he indeed fell sick rather than make him suffer in a vegetative state, he should be given an injection so that he dies peacefully. This was more than 25 years ago but not anymore. Thankfully today we have all advanced medical facilities where elderly people post a serious disease not only recover but lead a high-quality life. But all this comes at a cost. The good thing however is that we have an option of health insurance that protects the elderly against the expensive treatment for different diseases and ensures that the elderly lead a good and high-quality life. After all, every senior citizen wants to enjoy a stress-free and healthy life post-retirement. We will know about Care Senior Health Insurance Plan, a policy provided by Care Health Insurance Company.
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About “Care Senior Health Insurance Plan”
Everyone must have understood that this is a plan for the senior people of the society and the main reason is that with age our body starts getting weak. In such a situation. It becomes imperative for seniors that they stay healthy and lead a quality life. Talking about last year, the biggest impact of the COVID was on the senior people
Care Senior Health Insurance Plan is an affordable health insurance plan. Along with the low premium, this plan also has the option of a sum assured as per your pocket. Apart from this, this insurance policy is available for both stand-alone and “for the whole family”
Benefits of Plan
As we already mentioned, this plan has some specific benefits quality and we always want more and also looking for more these benefits are like a bonus with this plan for you. Being old age is tough, with time things are getting tough for you and if you are sick with a disease then these benefits make things easy for you.
- Lifelong renewability – Nothing can beat this service, whenever you want to renew just go start paying a premium, and it will reactivate.
- ICU charges 2% of SI.
- Policy tenure (duration) – The “Care Senior Health Insurance Plan” has a policy tenure of 1-3 Years.
- Lump-sum payment of Rs 500, daily basis maximum of 5 days.
- Covid-19 is also covered under this scheme – In recent times the most searched cover under the insurance plan, people are still afraid of Covid-19 and yes this insurance policy covers deadly viruses like; Covid-19 too.
- Annual Health Check-ups at a certain period of time, and also a blood test option is available in this plan – As we already mentioned, if you are suffering from any kind of disease then these benefits can make things easy for you, like as whenever you need to blood test, it will cover under this plan and there is no need of wasting money.
- Along with the ambulance charges, the plan also offers cover options such as organ donors.
- Pre-hospitalization and post-hospitalization expenses are covered for up to 30 days and 60 days respectively.
Key Features
| Features | Sum Assured 3 Lac | Sum Assured 5/7/10 Lac |
| Restoration Benefit | 100% of Sum Insured | 100% of Sum Insured |
| No Claim Bonus | Up to 150% of the Sum Insured | Up to 150% of the Sum Insured |
| Room Rent | 1% of Sum Insured per day | Single private AC room (max 1% of Sum Insured) |
| ICU Charges | 2% of Sum Insured per day | 2% of Sum Insured |
| Daycare Procedure | Available | Available |
| Free Health Checkup | Available for all family members | Available for all family members |
| Organ Donor | Up to Rs. 50,000 | Up to Rs. 1 Lac |
| Initial Waiting Period | 30 days | 30 days |
| Specific Illness Waiting | 2 Years | 2 Years |
- The minimum entry age is 60 years.
- The plan offered you a sum assured of Rs 3 Lac and the maximum is Rs 10 lacs.
- Any pre-existing ailment is covered after 4 years of continuous policy coverage.
Importance of “Care Senior Health Insurance Plan”
Well, to be honest, health insurance is a basic need of everyone and if we talk about facts then significant numbers of the Indian population lose life because of diseases like cancer, cardiac arrest, and kidney failure. In such a situation, health insurance and its coverage make things easy for you. The expenses of such things are too high and not everyone can afford the best facility of medical, until and unless one has an insurance policy.
There are some reasons, it’ll brief you on the importance of “Care Senior Health Insurance Plan”.
With time medical getting expensive – As we already told you, in today’s time getting the best medical service is not easy for everyone due to prohibitive medical expenses. There are cases when one ends up losing all life savings in getting treatment.
Condition of the health department in India – This is also a fact which we have to accept that public hospitals continue to be in a bad state. Recently there was a lot of ruckus in Delhi regarding a shortage of oxygen and this is the reason why people prefer private treatment in the matter of medical service. Show more trust in the private hospital than in the government hospital. And getting treatment in private hospitals is not cheap, but services like insurance have made this easy. With the help of insurance, everyone can take advantage of such high-quality health services.
Cashless treatment – One of the best reasons why you should be insured yourself, if you have insured yourself then whenever you want or there is a need of admitted to hospital, it will be easy for you and there is no money involved in whole this treatment cause insurer will pay the bill. You just get treatment and that’s all.