Senior Citizens Red Carpet plan is a comprehensive health insurance plan for Senior Citizens which covers medical expenses incurred by a person due to any illness, disease sickness, injury or accidents
Title |
Description |
Ambulance Expenses |
Rs. 600 per hospitalisation - Rs. 1200 per policy year
|
Automatic Restoration of Sum Insured |
Not available
|
Co-Payment |
50% Co-pay-for claims on Pre-Existing Disease- upto 10 Lac Sum Insured,30% Co-pay for Claims on other than PED Claims |
Day Care Procedure Coverage |
All day care procedures covered
|
Free Health Checkup |
5 Lac - Rs. 1000 ; 7.5 Lac - Rs. 1000 ; 10Lac - Rs. 2000 ; 15 Lac - Rs. 2000 ; 20 Lac - Rs. 2500 ; 25 Lac - Rs. 2500 ; 10 Lac - Rs. 2000/ 3500 ; 15 Lac - Rs. 2000/3500 ; 20 Lac - Rs. 2500/ 4500 ; 25 Lac - Rs. 2500/ 4500 |
ICU Daily Rent Limit |
2% of Sum Insured upto 10 Lac ; 15 Lac, 20 Lac, and 25 Lac - Actuals |
Medical Screening |
No Pre-Insurance Medical Screening Required - Providing specific medical reports will fetch 10%
|
Minimum Hospitalization Period |
24 hours
|
Nursing Allowance |
Covered |
Post Hospitalization Expenses |
7% of nursing, surgeon/consultant fees, diagnostic expenses, drugs cost only - Max Rs. 5000 upto 7.5 Lac ; Max Rs. 7000 for 10 Lac and 15 Lac ; Max Rs. 10000 for 20 and 25 Lac per occurance
|
Pre-Existing Disease / Illness coverage |
After 12 months
|
Pre-Hospitalization Expenses |
30 days Prior to Admission - Actual - Relevant to the Hospitalisation
|
Room Rent Limit |
1% of Sum Insured - upto 5 Lac, ; 7.5 and 10 lac -Rs. 6000 ; 15 lac - Rs. 7000 ; 20 lac -Rs. 8500 ; 25 Lac - Rs. 10000 |
Waiting Period for New Policy |
30 days waiting Period
|