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Health Insurance
Senior Citizens Red Carpet Individual
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Synopsis:
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

Highlight:

  • For Senior citizens aged between 60 to 75 years.
  • No pre-insurance medical test required.
  • Covers pre-existing diseases from the second year onwards.
  • Policy issued both on Individual and Floater Basis
  • Medical Consultations as an Out Patient in a Network Hospital.
  • Cost of Health check up
  • Newly introduced sum insured Rs.15,00,000/-, Rs.20,00,000/- and Rs.25,00,000/-.
  • Policy is available for 1 / 2 / 3 years
  • Guaranteed lifetime renewals.
Benefit:
Title Description
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
ICU Daily Rent Limit 2% of Sum Insured upto 10 Lac ; 15 Lac, 20 Lac, and 25 Lac - Actuals
Pre-Hospitalization Expenses 30 days Prior to Admission - Actual - Relevant to the Hospitalisation
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
Minimum Hospitalization Period 24 Hrs
Day Care Procedure Coverage All day care procedures covered
Automatic Restoration of Sum Insured Not available
Pre-Existing Disease / Illness coverage After 12 months
Waiting Period for New Policy 30 days
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 - upto 10 Lac Sum Insured, 30% PED Claims -15 Lac and above Sum Insured
Medical Screening No Pre-Insurance Medical Screening Required - Providing specific medical reports will fetch 10%
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
Ambulance Expenses Rs. 600 per hospitalisation - Rs. 1200 per policy year
Nursing Allowance Covered

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