This policy has been specifically designed for any senior citizen resident in India and aged between 60 and 80. If renewed without a break, the cover can be continued up to age 90.
Sl No | Coverage Benefits | Optima Senior |
---|---|---|
1. | Sum Insured options available | 1,00,000 1,50,000 |
2. | Room Rent, Boarding and Nursing expenses as provided by the Hospital | Not exceeding 1.0 % of the Sum Insured per day Not exceeding 2.0 % of the Sum Insured per day. Overall capped @ 25% of Sum Insured |
3. | Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses | |
4. | Surgeon, Anaesthetist, Medical Practioner, Consultant and Specialist Fees + Nursing Fees | Covered |
5. | Anesthesia, Blood, Oxygen, Over All Limit 50% of O T Charges, Surgical Sum Insured. Appliances, Medicines, Drugs, Diagnostic, Materials and X Ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Artificial Limb Cost of Stents and Implants | Covered. Overall capped @ 50% of Sum Insured |
6. | Pre Hospitalisation expense – expenses incurred days prior to the date of Hospitalisation. | 30 days |
7. | Post Hospitalisation – expenses incurred post the date of discharge | 60 days |
8. | Health Check Up | Upto 1% of Sum Insured subject to a 4 claims free years. |
Sum Insured (in Rs.) | 60-65 years | 66-70 years | 71-75 years | 76-80 years |
---|---|---|---|---|
1,00,000 | 3850 | 4250 | 4700 | 5150 |
1,50,000 | 5720 | 6310 | 6980 | 7650 |
Pre–acceptance medical check–up is required for all the members entering after the age of 50 years. A person also needs to undergo this pre–acceptance medical check–up if he has an adverse medical history or if the health condition of the person/s to be Insured is such that the office in–charge feels that he / she be subjected to a medical examination. The cost of this check–up will be borne by the proposer. But if the proposal is accepted, then 50% of the cost of this check–up will be reimbursed to the proposer.Pre–acceptance medical check–up shall be conducted at designated centers authorized by Us.
Yes. Unless the Insured Person is Hospitalised for a condition warranting Hospitalisation, no claim is payable under the Policy. The Policy does not cover outpatient treatments.
Yes, the Policy covers treatment and/or services rendered only in India.
Review New India Senior Citizen Health Insurance brochure to understand coverage details.
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