Prime Senior Elite vs Senior Citizen Plan Health Insurance Plan
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| PLAN DETAILS |
 Prime Senior Elite |
 Senior Citizen Plan |
| Premium Including GST | ||
| Sum Assured | 5L, 7.5 L, 10L, 15L, 20L, 25L & 50L | 3L, 4L, 5L, 7.5L, 10L, 15L, 20L & 25L |
| Product Type | Individual/Multi-individual and Family Floater | Reimbursement Hospitalization and Cashless |
| Key Features (Key features of the plan) |
Modern and Advanced Treatments/HIV/ AIDS & STD / Mental Illness Cover are covered upto SI Unlimited Restoration of Sum Insured for unrelated/ related illnesses Unlimited Tele-consultation in a policy year including specialists Discount on Pharmacy - Diagnostics - Medical Devices - Health Supplements and other services offered by the network providers of MCHI Waives off next one year renewal Policy Premium upon occurrence of Accidental Death or diagnosis of any of the listed Critical Illnesses Reduction in PED Waiting period to 90 Days (Optional) |
No Pre medical test required Pre Existing disease coverd after 12 month Renewal gauranteed for lifetime |
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Available | Rs 200 per consultation upto Rs 1400 |
| EMI Option | yes | no |
| Pre-acceptance Medical Check Up (Whether a pre-acceptance check up is required or not to buy the policy) |
Not required | no |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Single Private AC room | Upto Rs 6000 |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Up to Rs 10L | Not Applicable |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
60 Days | Pre hospitalization medical expenses incurred for a period not exceeding 30 days prior to the date of hospitalisation as per the policy |
| Post-hospitalization (Expenses after discharge from the hospital) |
90 Days | Post-Hosp. - 7% of the hospitalization expenses comprising of Nursing Charges, Surgeon / Consultant fees, Diagnostic charges,Medicines and drugs expenses, subject to a max of Rs.7000/- per occurrence |
| Non-allopathic (Expenses incurred on non-allopathic treatment) |
Upto Rs. 10L | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Upto Rs. 10L | Upto 10L & All Day Care Treatment Covered |
| Hospital_network (Number of Hospital Network in city) |
||
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Upto Rs. 10L | Not Applicable |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
INR 800 per day up to maximum of INR 5600 per hospitalization (On Shared Accomodation) | Not Applicable |
| Pre-existing Coverage (If the insured is having some existing diseases, that would be covered after particular time period) |
Covers after 24 Months | After 1 year |
| Cumulative Bonus (The amount by which your sum assured gets increased, if there is no claim.) |
Guaranteed Bonus of Rs 1L Or max Upto Rs 10L | Not Applicable |
| Restoration Details (Increase of Sum Insured for non-related illness if the original sum insured is exhausted) |
Unlimited Restoration of Sum Insured for unrelated/ related illnesses | Not Applicable |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Upto Rs. 10L | Rs 1000/- per hospitalization up to max of 2000/- ppp |
| Worldwide Emergency (The emergency medical assistance and cover against medical expenses while the customer is abroad) |
Not Available | Not Applicable |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Available | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Available | No |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Annually from 1st year onwards. Limits basis opted Sum Insured | Rs 2000/- per person |
| Non-allopathic Details (Expenses incurred on non-allopathic treatment) |
no | no |
| Vaccination (Cover againts any medical expenses occurred in Vaccinations for certain diseases) |
Not Available | Not Applicable |
| Animal Bite (Cover againts any medical expenses occurred due to any Animal Bite) |
Not Available | Not Applicable |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
You pay 20% of claim | 30% For any Claims |
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