For people aged between 60 and 74 years.
Guaranteed renewals beyond 74 years.
No pre-insurance medical test required.
Treatment at network hospitals only.
All pre-existing diseases are covered from first year, except those for which treatment or advice was recommended by or received during the immediately preceding 12 months from the date of proposal.
Disease for which treatment or advice was recommended by or received during the immediately preceding 12 months from the date of proposal will be covered from second year onwards.
What cannot be claimed?
Treatments currently availed or availed during the previous 12 months from date of proposal.
Any expenses incurred for treatment of illness/disease/sickness contracted by the insured person during the first 30 days from the commencement date of the policy.
First year exclusions: Hernia, Piles, Hydrocele, Congenital Internal disease/defect, Sinusitis, Gall Stone/Renal Stone removal and Benign Prostrate Hypertrophy.
First Two-Year Exclusions: Hysterectomy, Cataract, Joint/Knee Replacement surgery (other than caused by an accident), Prolapsed Intervertebral Discs, Varicose Veins, Ulcers.
Expenses which are purely diagnostic in nature with no positive existence of any disease.
Expenses for treatments that are mainly cosmetic in nature.
50% co-payment applicable for pre-existing diseases/conditions.
30% co-payment applicable for all other claims.