| Proposal for Senior Citizen Health Insurance Plan |
Option 1:
Religare Health Insurance |
Option 2:
Star Health Insurance |
| Plan |
Care Freedom
|
Red Carpet
|
|
Total Premium
(INR, excluding taxes) |
₹
0
per annum
|
₹
0
per annum
|
|
Sum Insured
|
0
|
0
|
|
Cover Opted for
|
0
|
0
|
|
Pre Hospitalisation expenses
|
0
|
0
|
|
Post hospitalisation expenses
|
0
|
0
|
|
Day-care Procedures
|
0
|
0
|
|
OPD Treatment
|
|
|
|
Restoration Benefit
|
0
|
|
|
Health Check Up
|
0
|
|
|
Co-Pay
|
0
|
0
|
|
Sub-limits on Normal Room Rent
|
0
|
0
|
|
Sub-limits on ICU Room Rent
|
0
|
0
|
|
Waiting Period for specific diseases
|
0
|
0
|
|
Waiting period for pre-existing diseases
|
0
|
0
|
|
Ambulance Charges
|
0
|
0
|
|
Pre policy Medical Check up Required
|
|
|
|
Lifelong Renewability
|
|
|
Note : These are indicative prices. Insurance is the subject matter of solicitation.
|
Senior Citizen Insurance Features
Lifelong Renewability
We select insurances that are renewable as long as you live. The insurance will be renewed even if you make a claim. Also, your premiums will not be increased just because you made a claim.
Cashless Treatment
The insurances offer cashless treatment in a large network of hospitals. Your medical bills will generally be settled directly by the insurer if you go to one of the network hospitals. This is particularly useful in emergencies when you may not have cash readily available. If for some reason your cashless payment is not approved then your bills can still be claimed through the reimbursement process.
Tax Benefit
You can avail tax deduction under Section 80 D for the premiums paid for senior citizen health insurance. Since you will renew the insurance every year this one purchase can be used for claiming tax benefits year after year.
Cover even if you suffer from pre-existing health conditions
Many senior citizens suffer from chronic diseases such as hypertension, high cholesterol or diabetes. People suffering from these can also be insured through carefully chosen health insurances.