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.
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 |
Ambulance Expenses |
Up to 1000, per policy year |
Nursing Allowance |
Up to 2% of sum insured |