This unique health insurance plan has been designed to cater to the medical needs of senior citizens. The cover is provided for certain specified treatments and diseases mentioned in the policy.
The sum insured is the total amount payable by the insurer to the insured towards medical expenses.
|Minimum sum insured||Rs.1 lakh|
|Maximum sum insured||Rs.5 lakh|
|Policy Term||1 year|
|Room, Boarding and Nursing Expenses||An amount equal to 1% of the sum insured can be claimed per day|
|ICU Charges||Expenses upto 2% of the sum insured is covered by the policy|
|Ambulance Service Charges||Ambulance charges upto Rs.1,000 is reimbursable|
|Other medical expenses||Surgeon, Consultant, Anaesthetist, Specialist, and Medical Practitioner fees along with operation theatre charges, chemotherapy, medicines and drugs, surgical appliances, etc. are covered|
|Domiciliary treatment||Treatment charges upto Rs.20,000 will be covered by the policy|
|No-claim discount||A no-claim discount of 5% of the renewal premium payable can be availed after each policy year. The maximum no-claim discount that can be availed is 20%.|
|Free-look period||A 15-day free-look period is offered. On cancellation of the policy during the free-look period, a refund of the premium paid will be made unless a claim was made during the period.|
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