For Senior Citizens

Numerous illnesses that are typically exceedingly expensive to treat and care for come with aging. After age 60, the body may start to deteriorate and become more susceptible to diseases and infections. The need for health insurance is therefore paramount for elderly individuals.

The elderly’s healthcare requirements are met through senior citizen health insurance. Health insurance for seniors provides coverage for unanticipated medical costs associated with hospitalization, physicals, daycare treatments, and serious diseases, much like a typical Mediclaim policy.

Senior health insurance policies could be able to offer broad coverage. Such a plan is dependable since it has features like a high sum promised, no co-pay clause, and cashless treatment at a large network of hospitals.

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Three additional Sum Insured Options namely Rs.15 lacs, Rs.20 lacs and Rs.25 lacs introduced
Policy is available for 1 / 2 / 3 year which can be renewed. Where the policy is issued for more than 1 year, the Sum Insured is for each year, without any carry over benefit thereof
Policy can be issued both on Individual and Floater Basis
Cataract limits revised
Outpatient consultation in network hospitals
Cost of Health Checkup

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Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees,Cost of Medicines and Drugs upto the limits specified.
Ambulance charges for emergency transportation to hospital as per specified limits.
Pre hospitalisation expenses up to 30 days prior to date of hospitalisation
Post-hospitalisation paid as lump-sum upto the limit specified.
Expenses on Medical Consultations as an Out Patient in a Network Hospital up to the limits specified.
Cost of Health Check up for every claim free year upto the limits specified
All day-care procedures covered.
Sub-limits applicable for specified illness/ disease.

Coverage for Modern Treatment please click here

Benefit/Premium illustration for Individual and Floater basis please click here

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Premium can be paid Quarterly and Half Yearly. Premium can also be paid Annually, Biennial (once in 2 years) and Triennial (once in 3 years).

Sum Insured


Sum Insured on Individual Basis	Sum Insured on Floater Basis
Rs.1,00,000/-	Rs.10,00,000/-
Rs 2,00,000/-	Rs.15,00,000/-
Rs.3,00,000/-	Rs.20,00,000/-
Rs.4,00,000/-	Rs.25,00,000/-
Rs.5,00,000/-
Rs.7,50,000/-
Rs.10,00,000/-
Rs.15,00,000/-
Rs.20,00,000/-
Rs.25,00,000/-

Any person between 60 and 75 years of age at the time of entry can take this insurance policy.

Pre-Existing Diseases / Illness :

Covered after 12 months of continuous coverage

Pre- Acceptance medical screening:

There is no pre-acceptance medical screening. However if following medical records of the person proposed for insurance are submitted, a discount of 10% of is allowed.

Stress Thallium Report
BP Report
Sugar (blood & urine) (Fasting / Postprandial)
Blood urea & creatinine

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Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.

Free Look Period: At the time of inception of the policy, the Insured will be allowed a period of 15 days from the date of receipt of the policy to review the terms and conditions of the policy and to return the policy if not acceptable. In such a case, the premium refund shall be as follows :

If the Insured has not made any claim during the free look period, the Insured shall be entitled to –

a refund of the premium paid less any expenses incurred by the Insurer on medical examination of the insured persons and the stamp duty charges or
where the risk has already commenced and the option of return of the policy is exercised by the policy holder, a deduction towards the proportionate risk premium for period on cover or
where only a part of the insurance coverage has commenced, such proportionate premium commensurate with the insurance coverage during such period.

Free look period shall not be applicable at the time of renewal.

NOTE: Renewal premium, terms and conditions are subject to change with prior approval from IRDAI.

Co-Payment: This policy is subject to co-payment of 30% for all claims.

No Third Party Administrator, direct in-house claim settlement.
Faster and hassle-free claim settlement.
Cashless hospitalisation.

NOTE: The benefits mentioned herein are only an outline of the policy. For details please contact your nearest Health Office or call sales & services – 1800-891-2871