Oriental Health Insurance for Senior Citizen

A unique health insurance policy, exclusively designed for senior citizens, HOPE or Health of Privileged Elders is a worthy investment. Comprehensive and affordable, HOPE policy is an ideal choice for the elderly who want coverage for specific diseases. Offering coverage for hospital admission longer than 24 hours, room rent, ICU, and others, HOPE policy by Oriental Insurance also provides cover for Ayurvedic, Unani and Homeopathic treatment in govt. hospitals/colleges. What’s best about the policy is that it reimburses payment of hospitalisation and/or domiciliary expenses for specified diseases or injury sustained by the insured individual.

Key Features

• Specifically designed for individuals aged 60 years and above
• Covers specific diseases only
• Sum insured options- Rs. 1 Lakh to Rs. 5 Lakh
• Compulsory co-payment of 20% on admissible claim amount
• Discount in premium for opting for voluntary co-payment
• TPA service - Available
• Cashless Service through TPA only (limited to Rs. 1 Lakh)
• Extension of benefit of continuity, if already insured with any mediclaim policy of the insurer

Scope of Coverage

• Accidental Injury, Chronic Renal Failure, Cancer, Stroke, Cardiovascular Diseases, Chronic Obstructive Lung Diseases, and five other diseases/illnesses/injuries covered
• Coverage for room, boarding, and nursing expenses
• Ambulance service charges, ICU unit expenses covered under the policy
• Fees of Surgeon, Anaesthetist, and others in addition to cost of Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, etc.
• Hospitalisation for a minimum period of 24 hours
• 30 days pre hospitalisation expenses
• 60 days post hospitalisation expenses
• Domiciliary hospitalisation expenses covered up to Rs. 20,000

Eligibility

Health of Privileged Elders or HOPE Policy features a minimum entry age of 60 years. When it comes to maximum entry age, there is no limit.

Exclusions

• Any kind of admission fees, registration fees levied by the hospital
• Substance abuse, self-inflicted injuries
• STDs and HIV/AIDS
• War or war like operations or breach of law
• Domicilliary treatment, treatment outside India

Do you think HOPE/Health of Privileged Elders is the ideal choice for senior citizen health insurance? Let InsuranceDekho experts help you gain detailed information about the plan at 1800 1205 698.