Senior Citizen Plan vs Senior First - Gold Health Insurance Plan
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| PLAN DETAILS |
 Senior Citizen Plan |
 Senior First - Gold |
| Premium Including GST | ||
| Sum Assured | 3L, 4L, 5L, 7.5L, 10L, 15L, 20L & 25L | 10L |
| Product Type | Reimbursement Hospitalization and Cashless | Individual and Family Floater |
| Key Features (Key features of the plan) |
No Pre medical test required Pre Existing disease coverd after 12 month Renewal gauranteed for lifetime |
180 days of post hospitalization No Co-Pay Air Ambulance covered - up to 2.5 Lacs No Sub Limits 30 Mins Cashless Approval |
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Rs 200 per consultation upto Rs 1400 | Not Covered |
| EMI Option | no | yes |
| Pre-acceptance Medical Check Up (Whether a pre-acceptance check up is required or not to buy the policy) |
no | Not Applicable |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Upto Rs 6000 | Shared Room - Upto Rs. 10L |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Applicable | Covered upto 1000000 |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Pre hospitalization medical expenses incurred for a period not exceeding 30 days prior to the date of hospitalisation as per the policy | 60 Days |
| Post-hospitalization (Expenses after discharge from the hospital) |
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 | 180 Days |
| Non-allopathic (Expenses incurred on non-allopathic treatment) |
Not Covered | Covered upto 1000000 |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Upto 10L & All Day Care Treatment Covered | Covered Upto Rs. 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) |
Not Applicable | Covered upto 10L |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Applicable | Not Available |
| Pre-existing Coverage (If the insured is having some existing diseases, that would be covered after particular time period) |
After 1 year | After 2 year |
| Cumulative Bonus (The amount by which your sum assured gets increased, if there is no claim.) |
Not Applicable | Not Available |
| Restoration Details (Increase of Sum Insured for non-related illness if the original sum insured is exhausted) |
Not Applicable | Not Available |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Rs 1000/- per hospitalization up to max of 2000/- ppp | 2000 per hospitalisation |
| Worldwide Emergency (The emergency medical assistance and cover against medical expenses while the customer is abroad) |
Not Applicable | Not Available |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Available |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
No | Not Available |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Rs 2000/- per person | Not Available |
| Non-allopathic Details (Expenses incurred on non-allopathic treatment) |
no | yes |
| Vaccination (Cover againts any medical expenses occurred in Vaccinations for certain diseases) |
Not Applicable | Not Covered |
| Animal Bite (Cover againts any medical expenses occurred due to any Animal Bite) |
Not Applicable | Not covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Not Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
30% For any Claims | No Co-Pay |
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Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.
