Care Health Insurance Limited (formerly Religare Health Insurance)
Care for Senior Citizens
Senior-citizen-specific product
UIN RHIHLIP21017V052021We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹10 lakh
Claim settlement (CSR)
99%
PED waiting
48 months
Specific disease wait
24 months
Mandatory co-pay
0%
Room rent prop. ded.
No
Pre / post hosp.
30 / 60 days
Network hospitals
22,000+
Free look
15 days
What this plan does well
- SENIOR-FOCUSED — entry age 61+ targeting (most plans cap at 65)
- NO pre-policy medical check-up required
- 541 day-care procedures (industry high)
- Annual Health Check-up for ALL insured persons (no claim-free gate)
- Smart Select network discount 15% (premium reduction trade-off)
- Optional NCB Super — up to 150% SI growth (with 20% co-pay)
- Lifelong renewability
- OPD Cover available as optional
Watch out for
- PED waiting 48 MONTHS — long for senior segment
- Cover bands narrow (3L-10L max)
- PRE-HOSP/POST-HOSP only 30/60 days — short
- Cataract sub-limited (₹20-30K/eye)
- Knee replacement sub-limited (₹80K-1L/knee)
- Hernia/Hysterectomy/BPH/Renal stones sub-limited (₹50K-65K)
- Cerebrovascular/Cancer/Renal/Fractures sub-limited at ₹2-2.5L (UNDERWHELMING for senior costs)
- Alternative Treatments sub-limited ₹15-20K
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.