senior citizen who is over 60 years of age will take the policy to protect him / herself and his / her spouse.
|SL. No||List of Medical tests||Sum Insured limits|
|1||Complete Blood Sugar, Urine, Routine Blood Group, ESR, Fasting Blood, Glucose, S Cholesterol, SGPT, Creatinine||Rs 1,00,000|
|2||Complete Blood Sugar, Urine, Routine Blood Group, ESR, Fasting Blood, Glucose, S Cholesterol, SGPT, Creatinine, ECG||Rs 2,00,000 and Rs 3,00,000|
|3||Complete Blood Sugar, Urine, Routine Blood Group, ESR, Fasting Blood, Glucose, S Cholesterol, SGPT, Creatinine, ECG, Lipid Profile, Stress test or 2D Echo, Kidney Function Test Complete Physical test by a physician||Rs 4,00,000 and Rs. 5,00,000|
|SL. No||Hospitalisation||Sum Insured limits|
(i)Room, Boarding expenses a provided by the Hospital/Nursing Home
(ii) If admitted in IC Unit
|i)Up to 1% of Sum Insured or actuals whichever is less per day
ii)Up to 2% of Sum Insured per day or actuals whichever is less of the S.I. per illness/injury or actuals whichever is less
|2||Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists Fees, Nursing Expenses||Up to 25% of Sum Insured per illness/ Injury or actuals whichever is less|
|3||Anaesthesia, Blood, Oxygen, OT charges, Surgical appliances(any disposable surgical consumables subject to upper limit of 7% of Sum Insured), Medicines, drugs, Diagnostic material X-Ray, Dialysis, Chemotherapy, Radiotherapy, cost of pacemaker, artificial limbs, Cost of stent implants||Up to 50% of Sum Insured per illness/Injury or actuals whichever is less|
Yes, your spouse, children and parents can be added as a dependant under the floater plan. The policy can also be taken for your father, mother, father-in-law, mother-in-law, son, daughter-in-law, daughter, grandparents, and grandchildren on individual basis. Your unmarried children, under the age of 18, are eligible as dependants under the policy. Your children enrolled as full-time education students are eligible until the age of 25.
No, all benefits shall be payable when incurred in India only, in Indian rupees.
Generally, No. In the instances where any of the applicants is above 55 years of age or based on declaration in proposal form, we feel that we require additional information for fair and accurate underwriting purposes, we will ask you to undergo medical tests or ask you previous medical records. Medical Examination reports validity period is 6 months.
Cover for all pre-existing medical conditions are excluded during the first three years of insurance. If you were covered under a health insurance policy from us or any other Indian insurer and we have accepted your request for portability, we shall make due adjustments towards pre-existing diseases and all other time-bound exclusions.
Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Click here to read more