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Entry age
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Any individual of the age 60 years and above
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Basis
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Individual policy
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Policy period
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The minimum and maximum policy term for the policy is 1 year
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Renewability
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The policy can be renewed after 1 year if needed
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Medicals
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Not required
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Sum Insured
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Ranges from Rs.1,00,000 to Rs.5,00,000
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Discount
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The policy offers discount on premium depending on the co-pay opted
For co-payment of 10%: 10% discount on premium
For co-payment of 20%: 20% discount on premium
For co-payment of 30%: 30% discount on the premium
For co-payment of 40%: 40% discount on the premium
For co-payment of 50% and above: 50% discount on the premium
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Co-payments
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The plan comes with a compulsory co-payment of 20%
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Coverage offered on the policy
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- The policy covers only the specified diseases / illness / injury and there is a maximum liability in respect of each disease -
- Accidental injury
- Knee replacement
- Cancer
- Stroke
- Cardiovascular diseases
- Orthopedic diseases
- Benign prostate
- Ophthalmic (Eye) diseases
- Chronic obstructive lung disease
- Hepatobiliary disorders
- Chronic renal failure
- Hospital room, boarding and nursing expenses and ICU charges
- Emergency ambulance charges
- Doctor, surgeon, anesthetist, consultant or specialists fees
- Cost of anesthesia, blood, oxygen, operation theatre charges, surgical appliances
- Cost of medicines, drugs and consumables
- Cost of artificial limbs, prosthetic devices like pacemaker
- Cost of diagnostic tests like X-ray
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Benefits under the policy
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- Provides the benefit of domiciliary hospitalisation
- Provides discount on premium on voluntary co-payment
- Cashless service through TPA up to Rs.1 lakh
- Offers benefit on the cost of health check-up after 4 consistent claim free years
- Offers tax benefits on the premium under section 80D of the Income Tax Act.
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Exclusions under the policy
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- Any disease / health condition / illness / ailment or any condition arising therefrom other than those specified in the policy as covered
- 2 yr exclusion on arthritis, cataract, surgery of benign prostatic hypertrophy, age related osteoporosis and osteoarthritis, calculus disease etc
- Pre-existing diseases and related conditions for first 2 yrs
- Any disease covered under the policy contracted by the Insured person during the first 30 days from the commencement date of the policy except treatment for accidental injuries
- Injury or conditions due to any act of foreign enemy, war, nuclear materials
- Circumcision, vaccination, inoculation
- Surgery for eye sight correction, cost of spectacles, contact lenses, hearing aids, crutches, braces, walker etc
- Any conditions due to abuse of drugs, alcohol or intoxicating substances
- General weakness or rest cure
- Self-inflicted injuries, suicide
- Psychiatric and psychosomatic disorders
- AIDS / HIV / STD
- Cost of vitamins, tonics etc unless part of treatment
- Massages, Steam bath, Shirodhara and like treatment under Ayurvedic treatment.
- Doctor’s home visit charges, Attendant / Nursing charges during pre and post hospitalisation period.
- Naturopathy, accupressure and accupuncture
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