Senior Citizen Red Carpet Insurance Policy
Features & Benefits
1. Cover till 75 years
For Senior citizens aged between 60 to 75 years.
2. No pre-acceptance medical screening
Pre-insurance medical test is not required
3. Covers pre-existing diseases
Covers pre-existing diseases from the second year onwards.
4. Flexible policy basis
Get protected up to 25 Lakhs on Individual and Floater basis
5. Medical Consultations
Medical Consultations as an out-patient in a Network Hospital.
6. Constant premium
Premium will be constant with lifetime renewal
7. Day care procedures
Expenses towards all day-care procedures, surgeries and treatments that would require hospitalization of less than 24 hours are covered.
8. In-patient hospitalisation expenses
Coverage for all in-patient hospitalisation expenses up to the sum insured.
9. Pre- and Post-hospitalisation expenses
Pre-hospitalisation expenses are covered for a maximum of 30 days before admission in the network hospitals.
10. Modern Treatments
Twelve modern treatments are covered comprising balloon sinuplasty, immunotherapy and stem cell therapy, up to sub-limits mentioned in the policy clause.
11. Out-Patient expenses
Any medical consultation expenses as an outpatient incurred in a network hospital are covered up to the limits with a limit of Rs.200 per consultation.
12. Annual Health Check-Ups
Payment of expenses towards cost of health check-up up to the limits for every claim-free year at network hospitals.
13. Pre-Existing Disease (PED)
You can claim for treatments on pre-existing conditions after 12 months from the policy start date.
14. Specific Disease/Illness Coverage The policy covers some specific diseases/treatments only after a 24-months waiting period. Covers for cataract surgery up to specific limits based on sum insured options.
Exclusions in the Policy
a. The policy does not cover the treatments and conditions listed below:
a) Cosmetic or plastic surgery expenses
b) Change-of-Gender treatment
c) Intentional self-injury
d) Treatments necessitated due to participation in hazardous or adventure sports.
e) Treatments for alcohol or drug abuse
f) Congenital External Condition / Defects / Anomalies
g) Please refer to the policy clause and wording on the website to have a detailed list of such exclusions.
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Disclaimer
The Federal Bank Limited is a Corporate Agent having registration number - Regn. No. CA0227. The service provided by The Federal Bank Limited is purely an agency service and is carried out strictly on a non-risk participation basis. The Federal Bank Limited, as corporate agent does not underwrite the risk or act as an insurer. Participation by the Federal Bank’s customers in the insurance product is purely on a voluntary basis and is not linked to the availment of any other facility from the Federal Bank Limited.