Care for Senior Citizen is a unique health insurance for senior citizens for individuals aged above 60. With an affordable premium and wide-ranging sum insured options, this plan comes with specific benefits for the elderly—to sit back, and enjoy peaceful golden years.
Choose good health and financial comfort in your post-retirement days with different coverage and sum-insured plans by CHI to meet your specific needs.
| Key Features & Benefits of Senior Citizen Health Insurance | |
|---|---|
| Age at Entry - Adult | 60 years to 75 years. |
| Policy Type | Individual Policy up to 25 Lac & Floater Policy ( 2A ) From 10 Lac to 25 Lac. |
| Sum Insured Options. | 2Lac / 3Lac / 4Lac / 5Lac / 7.5Lac / 10Lac / 15 Lac / 20 Lac & 25 Lac. |
| Policy Period | 1 Year / 2 Years / 3Years. |
| Renewal Guarantee | Life Long |
| Renewal Grace Period | 30 days - To continue policy without loss of continuity benefits(Waiting Period PED Coverage) |
| Hospitalisation | In-patient hospitalisation - Minimum period of 24 hours |
| Room Rent, Boarding and Nursing Expenses | 1 % of SI – MAX Rs.6000 upto 10 lac, 15 lac -Rs.7000, 20 lac-Rs. 8500, 25 Lac-Rs.10000 |
| ICU Charges | 2 % of SI upto 10 Lac & 15 Lac, 20 Lac, 25 Lac - Actuals |
| Medical Professional Fees including specialist's fee | Surgeon, Anaesthetist, Medical Practioner, Consultant, Specialist Fees – MAX 25 % of SI (Per Hospitalisation) |
| Other Medical Expenses | Anaesthesia, Blood, Oxygen, OT Charges, Surgical Appliances, Medicines and Drugs, Diagnostic Materials, X-ray, Diagnostic Imaging, Dialysis, Chemotherapy, Radiotherapy, Pacemaker, Stent etc. Max 50% of SI (Per Hospitalisation) |
| Road Ambulance Charges | Rs.600 to Rs.1200 upto 4 Lac, 5Lac to10 Lac Rs.1000 to Rs.2000 & 15Lac to 25 Lac Rs.1500 to Rs.3000 |
| Pre - Hospitalisation Expenses | 30 Days Prior to Admission- Actual - Relevent to the Hospitalisation |
| Post - Hospitalisation Expenses | 7% of nursing, surgeon/consultant fees, diagnostic expenses, drugs cost only – Max Rs. 5000 upto 7.5 Lac, Rs.7000 for 10 Lac & 15 lac, Rs.10000 for 20 Lac to 25 Lac per occurance. |
| Day Care Procedure covered | All Day care procedures. |
| Day Care Procedure Cataract Individual (Sub-limits) | Upto 2 lac-Rs.15000, 3 Lac-Rs.18000, 4 Lac - Rs.20000, 5Lac- Rs. 21500, 7.5 Lac-Rs. 23000, 10 Lac- Rs.25000, 15 Lac- Rs.30000, 20 Lac- Rs.35000 & 25 Lac- Rs. 40000. |
| Day Care Procedure Cataract Floater per person / per policy year (Sub-limits) | Lac -Rs.25000/45000. 15Lac- Rs.30000/50000, 20 Lac- 35000/60000, 25 Lac Rs. 40000/70000. |
| Sub-limit for Day Care for Cataract - SI/ Per Policy Period | 2Lac-Rs.15000; 3Lac-Rs.18000; 4Lac-Rs.20000; 5Lac-Rs.21500; 7.5Lac- Rs.23000;10Lac-Rs.25000. |
| Specified Surgeries - CVA, CVD, Cancer, Renal Complications, BreakageSub-limit - Individual Plan | 2Lac-Rs.1.5Lac / 3Lac-Rs.2Lac / 4Lac-Rs.2.25Lac / 5Lac-Rs.2.75Lac/ 7.5Lac-Rs.3Lac/ 10Lac-Rs.3.5Lac / 15 Lac-Rs. 4Lac / 20 Lak- 4.5 Lac / 25 Lac - 5 Lac. |
| Renal Complications, Breakage of Bones - Sub-limit - Floater Plan Per person/ Per policy Year | 10Lac-Rs.3.5Lac/6Lac, 15 Lac - Rs. 4 Lac/7Lac, 20Lac - Rs. 4.5Lac/7.5Lac 25 Lac-Rs.5Lac/8.5Lac. |
| Other Major Surgeries - Sub-limit | 2Lac-Rs.1.2Lac / 3Lac-Rs.1.5Lac / 4Lac-Rs.2Lac / 5Lac-Rs.2.25Lac / 7.5Lac-Rs.2.5Lac/10Lac-Rs.2.75Lac. |
| Other Major Surgeries - Sub-limit - Floater Plan Per person/ Per policy Year | 10Lac-Rs.2.75Lac/4.5Lac,15 Lac - Rs. 3 Lac/5Lac, 20 Lac - Rs. 3.25Lac/5.5Lac / 25 Lac-Rs.3.5Lac/6Lac. |
| Out-patient Consultation at network hospitals-Individual policy - Rs. 200 per consultation – Pay-out will not reduce SI | 2Lac-Not available; 3Lac-Rs.600/4Lac-Rs.800/5Lac-Rs.1000/7.5Lac-Rs.1200 10Lac- Rs.1400/15Lac-Rs.1800/20 Lac-Rs.2200/25Lac - Rs.2600. |
| Out- patient -Rs. 200 per consultation FloaterPlan - Payout will not reduce SI- Per person/ Per policy Year. | 10 Lac - Rs. 1400 / 2400 ; 15Lac-Rs.1800/ 3000 ; 20 Lac-Rs.2200 / 3800 ; 25Lac - Rs.2600/ 4400. |
| Free Health Checkup - For 5Lac & aboveSI - Individual Plan | 5 Lac - Rs.1000 ; 7.5 Lac - Rs.1000 ; 10Lac - Rs.2000 ;15 Lac - Rs.2000 ; 20 Lac - Rs.2500 ;25 Lac - Rs.2500. |
| Free Health Checkup - For 10 Lac & above SI - Floater Plan - Per Person/ Per policy year | 10 Lac - Rs. 2000/ 3500 ; 15 Lac - Rs. 2000/3500 ;20 Lac - Rs. 2500/ 4500 ; 25 Lac - Rs. 2500/ 4500. |
| 10% Discount on Premium (Fresh and Renewal) by Providing Medical Report | Medical Report taken within 45days prior to Date of Proposal - Stress Thallium Report, BP, Sugar (Blood and Urine). Blood Urea & Creatinine - Cost to be borne by the client. |
| Recharge, Restoration, No Claim Bonus | Not available. |
| Co-pay-for claims on Pre-Existing Disease | 50% Co-pay applied on all PED Claims. |
| Co-pay for Claims on other than PED Claims | 30% Co-pay applied on all Non-PED Claims. |
| PED Claims -15 Lac and above Sum Insured | 30% Co-pay applied on all Claims. |
| 30 days waiting Period | Any Disease contracted by the insured - Not applicable to Hospitalisation arising out of Accident. |
| 12 months waiting Period | Pre-Existing Diseases(PED) declared in Proposal, Accepted and Endorse in Policy. |
| 24 months waiting Period | Veins Ulcers, Hernia, Fistula/Fissure, Congenital internal Disease -For full list refer Product Boucher. |
| Permanent Exclusions | Diseases, Psychiatric treatments, Intentional Self-Injury, Pregnancy and Child Birth related, Weight control, Cosmetic Treatments, Plastic Surgery - for full list refer Product Boucher. |
| Declined Risks (Not Eligible to buy) | Heart diseases, Cancer, Kidney Diseases, Major CNS ailments(CVA, Parkinson's Disease, Alzheimer's Disease), Cirrhosis of Liver, Chronic Obstructive Pulmonary Disease (COPD), Auto immune/Connective tissue disorders requiring long term steroids and immunosuppressant. |
| Acceptance Limits | Any Age - Without PED - Accepted at Operating Office Any Age - With PED -Medical Opinion through lab portal by the Corporate Office. |
| Pre-Acceptance Medical Screening | Any Age - Without PED - Accepted at Operating Office Any Age - With PED -Medical Opinion through lab portal by the Corporate OfficeNo Pre-Insurance Medical Screening Required - Providing specific medical. |
| Tax Benefits - Sec-80D | Rs. 50000 - for Age 60 years and above clients. |