• Care Freedom Senior Citizen Health Insurance

    Health Insurance
    • Enjoy options to cover yourself, your spouse, kids and even your parents
    • Enjoy access to 10,000+ hospitals for cashless treatment
    • Reduce your taxable income by up to Rs. 50,000 deduction under section 80D**

    Care is a major standalone health insurance company operating in India. The company offers a range of plans based on the varied requirements of different customers. Care Care Freedom is a health insurance plan designed specifically for senior citizens in the country. The benefits offered by this plan are customized in such a way that they meet the specific health requirements of senior citizens. This policy comes with flexible terms, and it ensures that senior citizens are adequately protected against the financial threats arising out of health issues.

    Eligibility for Care Care Freedom Senior Citizen Health Insurance

    Care Care Freedom comes with certain eligibility criteria that must be met by people who wish to subscribe to this policy cover. Some of the eligibility criteria for this health insurance policy can be listed as follows.

    • Anyone above the age of 46 years can enroll in this policy cover.
    • The age of the proposer must be more than 18 years.
    • There is no maximum entry age for people enrolling in this cover.

    Features of Care Care Freedom Senior Citizen Health Insurance

    Some of the key features of Care Care Freedom Senior Citizen Health Insurance can be listed as follows.

    • This policy is available in four different sum insured options - Rs.3 lakh, Rs.5 lakh, Rs.7 lakh, and Rs.10 lakh.
    • 100% automatic recharge of sum insured is available within the maximum sum insured limit. This reinstated sum insured amount can be used by other members covered within the same policy.
    • Senior citizens enrolled in this cover can avail free health checkup irrespective of their past claim history.
    • There is a two-year waiting period applicable for all pre-existing diseases.
    • There is an initial waiting period of 30 days associated with this policy cover. However, this does not apply for hospitalisation arising out of accidents.
    • There is a mandatory copayment of 20% associated with this policy for every single claim. If the insured person is over 71 years of age, the copayment must be 30% per claim.
    • Once senior citizens are enrolled in this policy, it can be renewed lifelong.
    • A grace period of 30 days is available from the date of expiry for renewing this policy cover. However, there will be no coverage for the days during which the premium is not paid.

    Benefits of Care Care Freedom Senior Citizen Health Insurance

    This policy comes with a range of benefits customized to the specific medical requirements of senior citizens. Some of the benefits and sub-limits available within Care Care Freedom include the following.

    Hospitalisation benefits Up to the maximum sum insured limit
    Day care treatment Available for up to 170 day care procedures
    ICU charges Up to 2% of sum insured per day for sum insured Rs.3 lakh No limit for sum insured Rs.5 lakh and higher
    Policy tenure 1 to 3 years
    Pre-hospitalisation expenses Up to 7.5% of hospitalisation expenses for sum insured Rs.3 lakh Up to 10% of hospitalisation expenses for sum insured Rs.5 lakh and higher
    Post-hospitalisation expenses Up to 7.5% of hospitalisation expenses for sum insured Rs.3 lakh Up to 10% of hospitalisation expenses for sum insured Rs.5 lakh and higher
    Ambulance cover Up to Rs.1,000 per hospitalisation
    Companion benefit Up to Rs.10,000 for sum insured Rs.3 lakh Up to Rs.15,000 for sum insured Rs.5 lakh and higher
    Consumable allowance Up to Rs.750 per day for sum insured Rs.3 lakh Up to Rs.1,000 per day for sum insured Rs.5 lakh and higher
    Domiciliary hospitalisation Up to 10% of sum insured subject to treatments happening for 3 days or more
    Sub-limit for dialysis Up to Rs.1,000 per sitting subject to treatment period of 24 consecutive months
    Cataract treatment Up to Rs.20,000 for sum insured Rs.3 lakh Up to Rs.30,000 for sum insured Rs.5 lakh and higher
    Knee replacement surgery Up to Rs.1.20 lakh (varies based on sum insured amount)

    Optional Covers

    Home care Up to Rs.1,000 for home care treatment subject to a maximum of 7 days per illness or injury and 45 days per policy period
    Health check+ Annual checkup can be upgraded to either diabetes health checkup or cardiac health checkup

    Exclusions of Care Care Freedom Senior Citizen Health Insurance

    There are certain exclusions under Care Care Freedom policy for which the insurer is not liable to provide any compensation. Some of the key exclusions from this policy are as follows.

    • Intentional self-injuries and injuries caused by suicide or attempted suicide
    • Injuries caused while under the influence of alcohol or other drugs
    • Expenses related to the treatment of AIDS, sexually transmitted diseases, or venereal diseases
    • Expenses related to the treatment of congenital diseases
    • Treatment or tests related to infertility
    • Treatment related to childbirth and pregnancy
    • Cost of spectacles or contact lens
    • Cost of dental treatment unless arising out of accident

    Claim Procedure

    The claim procedure for Care Care Freedom Senior Citizen Health Insurance is pretty standard. In case of planned hospitalisation, the company must be notified 48 hours in advance. For emergency hospitalisation, the company must be notified within 24 hours after hospitalisation. For cashless treatment, pre-authorization must be obtained from the company. Care’s customer care can be contacted to know about the pre-authorization process and the network hospitals in your area.

    For reimbursement claims, the insured must submit the claim form along with a list of documents related to the medical treatment. Once the claim is successfully made, the company will verify its validity and communicate the acceptance or rejection of the claim to the policyholder. In case of rejection, the insurer will communicate the reason for rejection. Following acceptance of the claim, the reimbursement amount will be provided to the insured.

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