Health Insurance plan specially designed for Senior Citizen.
Title |
Description |
Room Rent Limit |
Gold Plan:-Shared Room |Platinum Plan:-Single Private Room |
ICU Daily Rent Limit |
Covered up to Sum Insured |
Pre-Hospitalization Expenses |
(60 days) Covered up to Sum Insured |
Post Hospitalization Expenses |
(180 days) Covered up to Sum Insured |
Minimum Hospitalization Period |
24 hours |
Day Care Procedure Coverage |
Covered up to Sum Insured |
Automatic Restoration of Sum Insured |
Gold Plan :-NA | Platinum Plan:-Unlimited up to base Sum Insured(Applicable for both same & different illness) |
Pre-Existing Disease / Illness coverage |
24 months waiting period on preexisting diseases |
Waiting Period for New Policy |
30-day initial waiting period |
Co-Payment |
50%.. If deductible is opted, then co-payment will NOT apply |
Medical Screening |
No mandatory pre-issuance medical tests |
Free Health Checkup |
Gold Plan:-Not applicable| Platinum Plan:-Annual (From Day 1); For defined list of tests; up to INR 500 for every INR 1 Lac Base Sum Insured (Individual policy: maximum INR 5,000 per Insured; Family Floater policy: maximum INR 10,000 per policy) |
Ambulance Expenses |
Road ambulance: up to INR 2,000 per hospitalization | Air ambulance: up to INR 2,50,000 per hospitalization |
Non-Allopathic Treatments |
Covered up to Sum Insured |
Donor Expenses |
Covered up to Sum Insured |
No Claim Bonus |
Gold Plan:-Not applicable| Platinum Plan:-10%, Max 100% |