| 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 |
| Max.Sum Insured Available |
Rs.5 Lakhs |
Rs.1 Lakh |
Rs.1.5 Lakh |
Min.1 Lakh & Max. 5 Lakhs |
Rs.1 Lakh & Rs. 5 Lakhs |
Min. Rs. 1 Lakh, Max. Rs. 3 Lakhs |
Min. Rs. 2 Lakhs & Max. 50 Lakhs |
| Medical Tests |
Yes, Pre-acceptance medical tests at the cost of proposer the amount will be paid to client if proposal is accepted. |
(1)Blood/ Urine Sugar
(2)Blood Pressure
(3)Echo-cardiography
4)Eye checkup including Retinoscopy |
(1)C.B.C.
(2)Blood Sugar(PP & Fasting)
(3)SGPT
(4)SGOT
(5)Cholesterol
(6)Triglycerides
(7)Serum Creatinine
(8)Urine Routine
(9)ECG
(10)X-Ray Chest PA View (11)Physical Clinical Check up
(12)Eye Check up for Cataract & Glaucoma
(13)Pap Smear Test |
(1)Physical Examination
(2)Urine (Microalbumin Urea)
3)Glycocylated Haemoglobin
(4)Ultrasonography (Whole Abdomen and Pelvis)
(5)X-Ray both Knees (Anteposterior and Latrel)
(6)Complete Eye Test including Fundus etc Stress Test (TMT) |
(a)Not Required
(b)If tests are got done then discount of 10% on premium will be given.
(1)Stress Thallium Report
(2)BP Report
(3)Sugar (Blood & Urine)
(4)Blood urea & creatinine Self-Declaration or Certification that surgeries related to Heart / Brain / Cancer has / have not been done in the past. |
The following pre-acceptance health check-ups as indicated below at his own cost has to be submitted :
(1)Medical Examination
(2)CBC & ESR
(3)Urine Routine & Microscopic
(4)Cholesterol
(5)SGPT
(6)Sr. Creatinine
(7)ECG
(8)Stress Test |
(1)Diabetes
(2)Blood Pressure,
(3)Blood/ Urine Test, Etc. |
| Entry Age |
46 to 70 Years |
60 to 80 Years |
60 to 80 Years |
60 Years and above (10% loading will be charged for new entrants to the policy) |
60 to 69 Years |
61 to 80 Years |
No Limit |
| Renewal will be allowed Upto |
75 Years |
90 Years |
Upto age 90 Years |
80 & above |
Life Long Renewal |
Renewal beyond 80 yrs |
Life Long Renewal |
| Conditions of Policy covers Co Pay |
20% of co-pay is applicable in case of treatment taken in other than network hospital. Waiver of co-payment available on payment of additional premium. |
Yes it is applicable @ 10 % of claim Amount |
Yes it is applicable @ 10% of each & every claim Amount |
Yes, 20 % all claims lodged amount |
50% for those who didnot go in for medical examination |
Co-pay of 80:20 is applicable in respect of all hospitalisation for major illnesses where the charges are as a total package. |
Above 65 yrs 20% Co-pay |
| Room Rent |
Not Specified |
1% of Sum Insured per day |
Not Specified |
1% of Sum Insured per day |
1% of Sum Insured subject to Rs. 4000 per day |
1% Sum Insured per day |
For Rs.2-3 Lakhs-Shared room, For Rs. 5-10 Lakhs-Single room, Above 10 Lakhs - Single room |
| ICU expenses |
Not Specified |
2% of Sum Insured per day overall limit 25% of the Sum Insured per illness/ injury |
Up to 2% of Sum Insured per day/ Overall limit : 25% of the Sum Insured |
2% of Sum Insured per day |
2% of Sum Insured per day |
2% of Sum Insured per day |
No limit |
| Pre Hospitalisation |
3% if Hospitalization exp. will be paid for pre & post hospitalization |
30 days |
Actual pre-hospitalisation medical charges of up to 30 days period immediately before the insured’s admission to hospital for that illness, subject to maximum 5% of hospital bill. |
30 days |
Not Covered |
Actual expenses or subject to max. 10% of S.I., whichever is less |
30 days (Limit Specified) |
| Post Hospitalisation |
3% if hopitalization exp. will be paid for pre & post hospitalization |
60 days |
Actual post-hospitalisation medical charges of up to 60 days period immediately after the insured’s discharge from a hospital for that illness or injury, subject to maximum of 10% of hospital bill. |
60 days |
7% of hospitalization expenses, subject to max. Rs. 5000 @ per occurance |
Actual expenses or subject to max. 10% of Sum Insured, whichever is less |
60 days (Limit Specified) |
| Special Condition |
Pre-existing covered from 2nd year. The Company's liability an case of any pre-existing illness from the second year of the policy would be restricted to 50% of the limit of indemnity in a policy year. |
The company reserve the right to review the premium rate, term & conditions of this policy at the time of renewal |
|
Treatment at Network Hospital Only |
|
Expenses in respect of specified illness viz.Cataract, Hernia, Hysterectomy, Major surgery-Angioplasty and Pre & Post-Hospitalisation treatment is restricted as a percentage of sum insured subject to an overall cap. |
2 yrs waiting period for specified illness |
