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
|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|
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.
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