Senior Citizens Red Carpet Eligibility

  • Mim adult age: 60yrs
  • Max adult age: 74yrs
  • Members covered: Individual
  • Policy Period: Policy available for 1yr 
  • Policy Available for: Sum Insured Rs.1L-10L

Senior Citizens Red Carpet Benefits

  • For Senior citizens aged between 60 to 75 years.
  • No pre-insurance medical test required.
  • Covers pre-existing diseases from the second year onwards.
  • Medical Consultations as an Out Patient in a Network Hospital.
  • Higher Sum Insured coverage upto Rs.10 Lakhs.
  • Guaranteed lifetime renewals.

Senior Citizens Red Carpet Features

  • New Features
    1. Two additional Sum Insured Options namely Rs.7.5 lacs and Rs.10 lacs introduced
    2. Cataract limits revised
    3. On-line purchases – 5% discount on premium
    4. Outpatient consultation in network hospitals
  • Hospitalisation Coverage: Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees,Cost of Medicines and Drugs upto the limits specified.
  • Ambulance charges for emergency transportation to hospital as per specified limits.
  • Post-hospitalisation paid as lump-sum upto the limit specified.
  • Expenses on Medical Consultations as an Out Patient in a Network Hospital up to the limits specified.
  • Specific day-care procedures covered.
  • Sub-limits applicable for specified illness.

Senior Citizens Red Carpet Claim Process

When the member of the covered family is aware of the hospitalisation in advance.In case of planned hospitalisation:
  • Please contact the toll-free help line: 1800 425 2255
  • Fax the Pre-Authorization form duly filled from the hospital at the below numbers
  • Toll-free: 1800 425 5522
  • Non Toll-free: 044 28302200
  • Please carry your ID card and policy schedule.
Emergency:When the Insured meets with an accident or suffers from bout of illness that requires immediate admission to the hospital.
  • After the patient is rushed to the hospital and avails treatment.
  • Family to contact the toll free help line - 1800 425 2255 and Fax the Pre-Authorization form duly filled from the hospital at the below numbers within 24 hours of admission.
  • Toll-free:1800 425 5522
  • Non Toll-free: 044 28302200
When the Insured gives prior intimation about the treatment and the insured pays the expenses himself with the hospital and then claims for a reimbursement of those expenses.

Senior Citizens Red Carpet Exclusions

  • Initial waiting period of 30 days from commencement of the policy, no claims will be admitted.
  • Certain diseases are excluded in the first year of operation like Fistula in anus, Piles, Sinusitis and related disorders, congenital internal disease/defects, removal of gallstones and renal stone, Benign Prostate Hypertrophy, Hernia, Hydrocele
  • Some of the diseases are excluded in the first Two Years of operation, which are knee replacement surgery which is caused other than by an accident, Cataract, Hysterectomy for Menorrhagia or Fibromyoma, Prolapse of inter-vertebral disc (other than caused by accident),varicose veins and varicose ulcers
  • Cosmetic surgery and Naturopathy treatment are not included
  • Expenses which are purely diagnostic in nature is also not included in this plan