userA comprehensive health insurance plan tailored specifically for senior citizens (ages 60-75) offering flexibility, affordability, and peace of mind.
Plan Essentials
1. Flexible Sum Insured. Available Sum Insured options:
Individual: ₹1 lakh to ₹25 lakh
Floater (self & spouse): ₹10 lakh to ₹25 lakh
2. Modern Treatment: Covers modern treatments such as Oral Chemotherapy, Intra Vitreal injections, Robotic Surgeries, etc. (subject to policy limits).
3. Premium Discounts
5% discount for purchasing and renewing online.
10% discount for healthy individuals who complete listed medical tests within 45 days before purchasing or renewing the policy.
4. Pre-Existing Diseases: Covered after 12 months of waiting period, provided they are disclosed at the time of application.
5. Outpatient Consultation: OP consultation at Network Hospitals is covered as per policy limits.
6. Eligibility: Senior citizens aged 60 to 75 years can avail of the policy with lifelong renewal options.
7. Medical Examination: No pre-medical tests required to avail this policy.
8. Policy Type: Available on Individual or Floater (self & spouse) basis.
Important Highlights
Policy Term: Available for 1, 2, or 3 years. Sum Insured Options:
₹1,00,000/- to ₹5,00,000/- (Individual)
₹10,00,000/- to ₹25,00,000/- (Floater)
Coverage Details
Hospitalisation Benefits
1. In-Patient Hospitalisation: Covers hospitalisation for more than 24 hours due to illness, injury, or accidents.
2. Pre-Hospitalisation: Medical expenses incurred up to 30 days before admission are covered.
3. Post-Hospitalisation: Expenses incurred up to 7% of the hospitalisation costs as per limits.
4. Room Rent: Up to ₹10,000 per day for the maximum Sum Insured opted.
5. ICU Charges: Up to 2% of the Sum Insured for policies up to ₹10 lakh, and for ₹15 lakh to ₹25 lakh, ICU charges are covered up to actuals.
6. Road Ambulance: Ambulance charges for transportation to the hospital are covered.
7. Day Care Procedures: Covers treatments requiring less than 24 hours of hospitalisation due to technological advancements.
Additional Benefits
1. Cataract Treatment: Covered after a 24-month waiting period as per policy limits.
2. Co-payment: 30% co-payment for all claims.
3. Health Check-Up: Coverage for annual health check-ups at Network Hospitals after a claim-free year.
4. Compassionate Travel: Reimbursement for transportation expenses up to ₹10,000 for a family member traveling to the hospital location during a life-threatening emergency.
5. AYUSH Treatment: In-patient treatment expenses under Ayurveda, Unani, Siddha, and Homeopathy systems covered up to the Sum Insured. Yoga and Naturopathy treatments require prior approval.
6. Repatriation of Mortal Remains: Reimbursement up to ₹10,000 for the cost of transporting mortal remains in case of an admissible hospitalization claim.
7. Second Medical Opinion: Available from a doctor within the company’s network.
Payment Options
Premiums can be paid on monthly, quarterly, half-yearly, or annual basis.
Biennial (2 years) and triennial (3 years) payment options are also available.
Key Highlights
Comprehensive cover for both hospitalisation and outpatient care.
Discounts for healthy individuals and online renewals.
Lifelong renewal option for senior citizens.
Coverage for modern treatments, AYUSH treatments, and additional benefits like second medical opinion and compassionate travel.
For further details, please refer to the Policy Documents and Terms & Conditions
Rahul Khanna
