Senior Citizens Red Carpet

This policy can be availed for a term of one, two or three years.

The Sum Insured options under this policy are Rs. 1,00,000/-, Rs. 2,00,000/-, Rs. 3,00,000/-, Rs. 4,00,000/-, Rs. 5,00,000/-, Rs. 7,50,000/- , Rs. 10,00,000/-, Rs. 15,00,000/-, Rs. 20,00,000/- and Rs. 25,00,000/-. The Sum Insured option of Rs. 10,00,000/- to Rs. 25,00,000/- is available on a Floater basis.

Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered.

In addition to in-patient hospitalisation, the medical expenses incurred up to 30 days before the date of admission to the hospital are also covered.

Post-hospitalisation medical expenses are covered up to 7% of the hospitalisation expenses as per the limits mentioned in the policy clause.

Room, boarding and nursing expenses incurred during in-patient hospitalisation are covered up to Rs. 10,000/- for the maximum Sum Insured opted.

Up to 2% of the Sum Insured is payable as ICU charges for the Sum Insured up to Rs. 10 lakhs. And, for the Sum Insured of Rs. 15 lakhs to Rs. 25 lakhs, ICU charges are covered up to actuals.

Ambulance charges incurred for transporting the insured person to the hospital by private ambulance service are covered.

Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.

Expenses incurred for Cataract treatment are covered after a waiting period of 24 months up to the limits mentioned in the policy clause.

This policy is subjected to co-payment of 30% for all claims.

For every claim-free year, the expenses incurred for an annual health check-up at Network Hospitals are covered up to the specified limits.

The policy premium can be paid on a quarterly or half-yearly basis. It can also be paid on an annual, biennial (once in 2 years) and triennial (once in 3 years) basis.