Cañe Se±u¿ñ Heačh I±ÿěña±ce: Keō Feačěñeÿ Navigating healthcare costs for senior citizens can be challenging, especially with rising medical expenses and age-related health concerns. Standard health insurance often falls short in addressing these unique needs. Care Senior Health Insurance offers specialised features designed to provide quality healthcare for your elderly family members without financial strain. Whō Séecua Heačh I±ÿěña±ce uÿ a Měÿč f¿ñ Se±u¿ñ Cučuśe±ÿ Ruÿu±g Meduca C¿ÿčÿ Healthcare expenses are continuously increasing, making it difficult for seniors to afford quality treatment. Age-Reačed Heačh Ruÿÿ Seniors face unique health challenges that require specific and comprehensive insurance coverage. Fu±a±cua Sčñeÿÿ Reděcču¿± Specialised plans like Care Senior Health Insurance alleviate financial burdens during medical emergencies. Care Senior Health Insurance is specifically designed for individuals aged 60 and above, ensuring comprehensive coverage for their unique health needs. Age Eligibility & Entry Criteria Entry Age Eligible for individuals aged 60 years and above, with no maximum entry age cap (typically up to 80 years accepted). Lifelong Renewability Once enrolled, policyholders can renew their plan for life, ensuring continuous coverage. Medical Tests Medical tests may be waived for specific age groups or conditions under the Care Freedom Plan, simplifying the enrolment process. This plan is ideal for senior citizens, retired individuals, and those with pre-existing conditions like diabetes or hypertension, offering tailored benefits. Pre-existing Disease (PED) Coverage Waiting Period A waiting period of 24 to 48 months applies, depending on the specific plan variant chosen. Covered Diseases Common conditions such as Diabetes, Hypertension, and various Cardiac conditions are covered. Special Plans The Care Freedom plan offers immediate, day-one coverage for select chronic conditions, providing crucial early support. For parents with existing health issues, it is advisable to select plans that feature shorter PED waiting periods to ensure quicker access to benefits. Caÿheÿÿ H¿ÿéučauÿaču¿± Facuučō EŊče±ÿuļe NečŁ¿ñ Access to over 21,000 network hospitals across India, ensuring wide availability of services. Caÿheÿÿ Cau«ÿ Enjoy a seamless cashless claim process, eliminating the need for out-of- pocket payments at discharge. 24/7 Aÿÿuÿča±ce Round-the-clock support available through a dedicated toll-free helpline for any queries or emergencies. This key benefit significantly minimises paperwork and financial stress during medical emergencies, allowing families to focus on recovery. Domiciliary & Daycare Treatments 1 Domiciliary Cover Treatment at home is covered when hospitalisation is not feasible, offering comfort and convenience. 2 Daycare Procedures Coverage for over 500 procedures that do not require 24-hour admission, such as cataract surgery and dialysis. These features are particularly important for seniors who often prefer receiving treatment in the comfort of their own homes or undergoing quick recovery-based procedures. Co-payment Clause 1 2 3 Understanding the co-payment clause is crucial as it directly impacts the out-of-pocket expenses during a claim, balancing coverage with premium costs. Typical Co-payment A co-payment of 20% generally applies for policyholders aged 60 years and above. Payment Structure You are responsible for 20% of the claim amount, while the insurer covers the remaining 80%. Affordability The co-payment mechanism helps in keeping premiums affordable for senior health plans, making them more accessible. N¿ Cau« B¿±ěÿ (NCB) 1 I±cñeaÿed Sě« I±ÿěñed For every claim-free year, the sum insured increases, providing greater coverage over time. 2 MaŊu«ě« Be±efuč Some plans offer an increase of up to 150% of the sum insured as a maximum NCB. 3 Heačhō Lufeÿčōe I±ce±čuļe NCB encourages policyholders to maintain a healthy lifestyle, rewarding them with enhanced coverage. For example, if your base cover is ¹ 5 lakhs, after two claim-free years with a 50% NCB, your coverage would increase to ¹ 7.5 lakhs, offering significant financial protection. Pñe & P¿ÿč-H¿ÿéučauÿaču¿± EŊée±ÿeÿ 1 Pñe-h¿ÿéučauÿaču¿± Covers expenses incurred up to 30 days before hospital admission, including initial consultations and diagnostic tests. 2 P¿ÿč-h¿ÿéučauÿaču¿± Covers expenses for up to 60 days after discharge, such as follow-up consultations, medication, and further diagnostics. This comprehensive coverage ensures that all related medical costs, from the initial diagnosis to post-treatment recovery, are managed, reducing the financial burden on families. A±±ěa Heačh Chec-Uéÿ 1 Fñee Chec-Uéÿ Annual health check-ups are often provided free of charge for insured members. 2 Eañō Dečecču¿± These check-ups are crucial for the early detection of chronic or age-related conditions. 3 Pñeļe±čačuļe Cañe Promotes preventative healthcare, helping to manage health proactively and avoid serious complications. Regular health check-ups are a vital component of senior health insurance , enabling timely intervention and better health outcomes for elderly individuals.