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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
Ambulance Expenses Rs. 600 per hospitalisation - Rs. 1200 per policy year
Automatic Restoration of Sum Insured Not available
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
Day Care Procedure Coverage All day care procedures covered
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
ICU Daily Rent Limit 2% of Sum Insured upto 10 Lac ; 15 Lac, 20 Lac, and 25 Lac - Actuals
Medical Screening No Pre-Insurance Medical Screening Required - Providing specific medical reports will fetch 10%
Minimum Hospitalization Period 24 Hrs
Nursing Allowance Covered
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
Pre-Existing Disease / Illness coverage After 12 months
Pre-Hospitalization Expenses 30 days Prior to Admission - Actual - Relevant to the Hospitalisation
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
Waiting Period for New Policy 30 days