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Care

Care

Senior Health Advantage

Care Senior Health Advantage is a last resort plan for senior citizens. Sure, it comes with a poor bonus structure, with no restoration, with room rent limits and sub-limits on cataracts, knee replacement surgeries, cancer treatments, modern treatments and more, but, it’s still one of the very few plans available for senior citizens aged 60 and above with critical pre-existing conditions. On the flip side, if you are not a senior citizen or a senior citizen with benign health conditions you can consider other alternatives.

What's good here?

ped

Short 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 after just 2 years. It’s probably the best deal you can get to be honest.

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prePost

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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healthCheckup

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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ayush

Covers Alternative Medicine

Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.

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dayCare

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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domiciliary

Full coverage even if you are forced to hospitalize at home

The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.

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What's bad here?

special mention
warning
Be aware of

Has disease wise sub-limits

Your insurance cover won’t be fully available in case you are treated for Cataracts, Knee replacement, Cancer, Modern treatments 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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coPay

You will have to pay a portion of the bill

The company will make you pay 50% of the bill every time you’re hospitalized — That is if you’re under the age of 70. If you’re 70 and above, then they’ll make you pay 60% of the bill. So co-payment is mandatory here.

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roomRent

Restrictions on the rooms you can pick and much more

Tough luck if you are thinking about opting for a single private room and a lower cover Because the policy only lets you stay in a shared room. If it’s an ICU they’ll restrict it to 2% of the sum insured, If you still want to pick a better room, then be ready to pay a lot more when the final bill shows up. Read more here

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What's okay here?

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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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What's lacking here?

restoration

No Restoration Benefit

Some policies will tell you - Even after you claim part of the cover on one occasion, you will have the full cover restored, if you are hospitalized another time during the same year. So if you have a family cover and multiple members of the family are hospitalized in the same year, this feature will come in handy. Unfortunately, this policy offers no such benefit.

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Frequently Asked Questions

Yes. Senior Health Advantage 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 2-year waiting period for any pre-existing disease you may have while buying the policy.
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