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 hours

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 waiting Period

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