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Care Senior

Care Senior is a good choice if you’re 60+, with pre-existing complications or if nobody is willing to insure you. However, if you have other alternatives, this policy could be a letdown, considering they'll make you wait 4 years before they start covering pre-existing complications. Also you won't have the full cover for certain diseases.

What's good here?


Pre & Post hospitalization expenses covered

No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 30 days before you are hospitalized and 60 days after discharge. This includes the cost of medication by the way.

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Day Care treatments covered

If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.

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Free Health Checkups every year

If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs.

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What's bad here?

special mention
Be aware of

Has disease wise sub-limits

Your insurance cover won’t be fully available in case you are treated for Cataract, Knee Replacement, Hernia, Hysterectomy, Benign Prostate Hypertrophy, Renal Stones, Cancer, Cerebrovascular, Cardiovasular disorders and a few other diseases. Meaning the insurance company has a cap on the total amount they’ll pay out if you are treated for these specific illnesses.

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You will have to pay a portion of the bill

The policy will only cover 80% of the final bill. The rest is on you. They call this a co-payment.

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Long waiting period for pre-existing diseases

If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems only after 4 long years. It could be much shorter you know? Like 2 years perhaps!

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Restrictions on the rooms you can pick and much more

Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. If it’s an ICU they’ll bump it to 2% of the sum insured. And in the event you breach these limits, then you’ll have to pay a lot more - Read more here

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What's okay here?


Some Restoration Benefit

Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, if you are hospitalized one more time in a bid to treat a different complication. In the same year, by the way.

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Special Bonus for being healthy and not claiming insurance

Your sum insured increases by 10% each year, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 50%. Also, the bonus amount will reduce at same rate each time you make a claim. But hey, it's still a bonus.

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Some Cover for Alternative Medicine

Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will pay a maximum of up to ₹20,000 of the cover depending on the cover amount in case you’re availing these treatments.

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Some coverage if you are forced to hospitalize at home

The insurer will pay up to 10% of the sum insured if you are forced to hospitalize at home due to a medical condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.

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Reduction in PED

This optional cover reduces the applicable pre-existing waiting period from 48 months to 24 months. If you are currently diagnosed with any condition and want to reduce the waiting period, it makes sense to opt for this add-on.

NCB Care

With this add-on, you get an additional bonus of 50% for every claim free year upto 100% of the base sum insured.

Co-payment Waiver

With this add-on, the insurance company will increase the premiums and waive off the mandatory 20% co-payment.

Care Shield

With this add-on, the insurer will increase your cover in line with inflation every year, your bonus amount will not be affected if the claim is less than 25% of base sum insured in the entire year and you also get extended coverage for generally excluded items like syringes, gloves, PPE kits etc.


With this add-on, you can get coverage for outpatient along with coverage for prescribed diagnostics and pharmacy upto defined limits based on the amount chosen for the OPD coverage.

Smart Select

With this add-on, the insurance company offers 15% Discount on Base Policy Premium and allows treatment in SMART SELECT NETWORK hospitals without any restrictions. But applies 20% Co-Payment for the insured members if treatment is taken in NON-SMART SELECT NETWORK Hospital.

Frequently Asked Questions

Yes. Care Senior imposes 3 kinds of waiting periods -
  • 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
  • Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
  • Pre-Existing Disease Waiting Period: There's a 4-year waiting period for any pre-existing disease you may have while buying the policy.
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