Company Name |
Bajaj Allianz |
National Insurance |
New India |
Oriental |
Star Health |
United India |
Max Bupa Health Insurance |
Policy Name |
Silver Health- Health Cover for Seniors |
Varistha Mediclaim for Senior Citizens |
Senior Citizens Mediclaim Policy |
Hope- Health of Privileged Elder |
Senior Citizen Red Carpet (Health Cover for Seniors) |
Health Insurance Policy (Silver) |
Heart Beat |
Pre existing Diseases |
After 1 year but limit would be restricted to 50% of indemnity in a policy year |
No claim is payable on pre existing diseases for '1' one year. If the insured intends to cover pre-existing diseases of Hypertension and/or Diabetes from the inception of the policy he/she has to pay additional premium @10% for either hypertension or diabetes & 20% for hypertension & diabetes for first year of the policy |
After 18 months claim free year. Joint replacement after 4 yrs. |
Upto 2 yrs |
All are covered but 50% Co payment will have to be made by insured person. However this Policy will not be issued if person to be insured is suffering from Cancer, Chronic Kidney disease, CVA/ Brain Stroke, Alzheimer disease, Parkinson's disease. |
Covered after 4 yrs- As defined in the policy |
After 4 yrs |
TPA |
No |
Yes |
Yes |
Yes |
No |
Yes |
No |
Sum Insured |
Rs 1 Lakh |
Rs 1 Lakh |
Rs 1 Lakh |
Rs 1 Lakh |
Rs 1 Lakh |
Rs 1 Lakh |
Rs 2 Lakhs *Min SumInsured |
Age Slab |
61 to 65 |
61 to 65 |
61 to 65 |
61 to 65 |
61 to 65 |
61 to 65 |
61 |
Indicative Cost of Medical Tests |
Rs. 1000 (approx.) per person |
Rs. 1500 (approx.) per person |
Rs. 750 (approx.) per person |
Rs. 2600 (approx.) per person |
Rs. 3000 to 3500 |
Rs. 3000 to 3500 (approx.) per person |
No charge |
Doctor fee/surgeon fee/consultants/anesthetic fee |
No Limit |
@25% per illness/injury |
Overall limit 25% of Sum Insured |
No limit |
25% of Sum Insured per hospitalization |
No Limit |
No limit |
Ambulance Charge |
Rs. 1000 per claim |
Rs 1000 in entire policy period will be reimbursed |
Subject to a maximum of Rs 1000/- |
Actual expenses or per hospitalisation by registered Ambulance subject to limit of 1000 in entire policy period |
750 per day & overall limit in a year Rs.1500 |
Not Covered |
Non-Network- Rs.2000, yes covered |
Naturopathy Treatment |
|
Not payable |
|
Not payable |
Not Payable |
Not payable |
Not payable |
No Claim Discount |
5 % Comulative Bonus, Max. 50% |
Specified in the in the policy incepts or manifests during the first 90 days of the inception of the policy. |
5% Comulative Bonus |
No claim Discount at the rate of 5% of the renewal after every claim free year Max. 20%. |
5% per year |
The insured shall be entitled for No Claim Discount of 5% for every claim free year subject to a maximum of 25%. |
E-vouchers 10% of renewal premium |
Waiting Period |
Prostatic hypertrophy, prolapse of genitouninary/ intra - abdominal organs, hernia of all types, hydrocele, fistulae, hemorrhoids, fissure in auns, stones in the urinary and biliary systems; surgery on ears, surgery on skin, internal tumours/ cysts/nodules/ polyps; treatment for benign tumors or malignant or condition or for organomegaly, surgery on joints,treatment for prolapsed intervetebtal discs, surgery for gastric or Joint Replacement after 4 yrs |
1 yrs Cataract,Benign Prostatic Hypertrophy etc. Pls refer to the policy document |
18 Months for Cataract, Hernia etc. Pls refer to the policy document. |
2 yrs waiting period for specified diseases like Cataract, Hernia etc.Pls refer to the policy document. |
Diseases such as Hernia, Piles, Hydrocele, Congenital Internal disease/ defect, Sinusitis, Gall Stone/Renal Stone removal and Benign Prostrate Hypertrophy and some additional diseases are excluded during the first 2 yrs. |
Diseases such as cataract, hernia, hysterectomy and some additional diseases are excluded during the first 2 years of the policy (Ref.Condition no. 4.3). |
2 yrs waiting period for specified diseases like Cataract, Hernia etc.Pls refer to the policy document. |
Net Premium (Inclusive of Service Tax(12.36%) & other loading etc.) |
Rs.8057 |
Rs.5167 (Included 10% after loading) |
Rs.4758 (Included 10% after loading) |
Rs.5562 (Included 10% after loading) |
Rs.5000 (Without medical tests), Rs.4499 (With medical tests) |
Rs.5056 |
Rs.14,840 (for Rs. 2 Lakhs) |