This is a unique health insurance policy especially designed to cater to the needs of the senior citizens. It covers medical expenses incurred by a person due to certain critical illness, disease sickness, injury or accidents.
Highlight:
This policy covers Hospitalization and Domiciliary Hospitalization up to the age of 80 Years
Health cover can be extended and continued till the age of 90 Years
Certain critical illness are covered like Cancer, Stroke, Multiple Sclerosis etc. as additional feature of this policy
The critical illness claim can be paid even without hospitalization.
Certain pre-existing diseases are covered after one year of claim free renewal.
Pre-existing diseases like Hypertension and Diabetes will be covered from the inception of the Policy
Benefit:
Title
Description
Room Rent Limit
Up to 1% of sum insured, Max 25% of sum insured
ICU Daily Rent Limit
Up to 2% of sum insured, Max 25% of sum insured
Pre-Hospitalization Expenses
30 days
Post Hospitalization Expenses
60 days
Minimum Hospitalization Period
24 hrs
Additional Cover for Critical Illness
Optional, 200000
Pre-Existing Disease / Illness coverage
After 12 months
Waiting Period for New Policy
30 days, 90 days if critical illness
Co-Payment
Up to 10%, up to 20% for pre-existing disease
Medical Screening
Yes
Free Health Checkup
Up to 2% of sum insured, payable once after 3 continuous claim free years
