| |
Bajaj SilverAge 55 yrs. onwards |
National VarishthaAge 60 yrs. and above |
Star Red CarpetAge 60 to 69 yrs. |
Star Medi ClassicAge 2 to 80 yrs. |
| Special Feature |
No Major Sub-Limits in this policy |
BP and Diabetes Patients can be covered from inception with a loading of 10%. |
No Medical Test Instant IssuanceFor Age 60-69 |
Lowest CostWide SI Options |
| Maximum Entry Age |
70 Years |
80 Years |
69 Years |
75 Years |
| Maximum Exit Age |
75 Years |
90 Years |
Not Mentioned |
80 Years |
| Pre-existing Covered after |
1st Year for 50% of Sum Assured |
1st Claim Free Year |
2nd Year with 50% Co-payment |
5 years |
| Co-Payment |
No |
10% on all claims.20% on all claims on pre-existing. |
30% on all Claims50% on Pre-existing from year 2 |
61 to 65 Years – 20%66 to 70 Years – 30%71 to 80 Years – 40% |
| Non Network Hospital Treatment rules |
20% Co-Payment |
Can be carried out |
Claim not payable |
Can be carried out |
| Room Rent Limit per day |
No Room Rent Limit |
1% of Sum Assured |
1% of Sum Assured |
2% of Sum Assured upto Rs. 4000 |
| Cataract Limit |
No Limit |
Rs. 10000 |
Rs. 15000 |
Rs. 12000 |
| Sub-Limits for the highest Sum Insured |
Lifetime Indemnity Limit of 3 times the Coverage |
Benign Prostrate: Rs. 20000 |
Heart : Rs. 150000Bones : Rs. 150000Renal: Rs. 150000Major Surgeries: Rs. 120000 |
61 to 65 Years – · CVD restricted to 50% of SI66 to 70 Years –· CVD and CVA restricted to 50% of SI· Breakage of bones71 to 80 Years –· CVD· CVA· Breakage of bones· Lung Diseases / Infections |
| Special Exclusions |
Joint Replacement Surgery Excluded for 4 Years |
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| Family Discount |
5% |
NIL |
NIL |
NIL |
| Medical Tests Required |
General Medical Exam, Fasting Blood Sugar, Urine exam for Albumin / Sugar, ECG & Cardiac Evaluation Report |
Blood/Urine Sugar, Blood Pressure, Echo-cardiography and eye check up including radioscopy. |
NO MEDICAL TESTS |
General Medical Exam, Fasting Blood Sugar, Urine exam for Albumin / Sugar, ECG & Cardiac Report |
| Premium for Age 65Rs. 1 Lakh Cover |
Rs. 8056 |
Rs. 5166 |
Rs. 5618 |
Rs. 3372 |