(a) List the various covers available to senior citizens under Senior

1.	(a) List the various covers available to senior citizens under Senior citizen Mediclaim Policy. (b) State the additional add–on benefits that a person can take along with Overseas Medical Policy.
Answer» a) policy covers: Hospitalization expenses incurred for the treatment of illness/injury. Pre- and post-hospitalization expenses up to 30 and 60 days respectively. Ambulance Charges. Limited cover for hospitalizations in government and /or registered Ayurvedic /Homeopathic and Unani hospitals. Pre-existing diseases are covered only after 18 months of continuous insurance with the insurance Company. Pre-existing conditions like Hypertension, Diabetes mellitus and its complications are covered after 18 months of continuous insurance but only on payment of additional premium. (b) policies may also give ADDITIONAL Add-on benefits like: Personal Accident in the foreign country Loss of checked in Baggage Delay of checked in Baggage Loss of passport Personal Liability arising out of any accident. Premium depends on the Age-band, Trip-band and Country of visits. Initially cover up to 180 days is provided under Business & Holiday Plan .Extension is allowed on original policy for further period of 180 days subject to declaration of good health.

(a) List the various covers available to senior citizens under Senior citizen Mediclaim Policy. (b) State the additional add–on benefits that a person can take along with Overseas Medical Policy.

Answer»

a) policy covers:

Hospitalization expenses incurred for the treatment of illness/injury.
Pre- and post-hospitalization expenses up to 30 and 60 days respectively.
Ambulance Charges.
Limited cover for hospitalizations in government and /or registered Ayurvedic /Homeopathic and Unani hospitals.
Pre-existing diseases are covered only after 18 months of continuous insurance with the insurance Company. Pre-existing conditions like Hypertension, Diabetes mellitus and its complications are covered after 18 months of continuous insurance but only on payment of additional premium.

(b) policies may also give ADDITIONAL Add-on benefits like:

Personal Accident in the foreign country
Loss of checked in Baggage
Delay of checked in Baggage
Loss of passport
Personal Liability arising out of any accident.
Premium depends on the Age-band, Trip-band and Country of visits. Initially cover up to 180 days is provided under Business & Holiday Plan .Extension is allowed on original policy for further period of 180 days subject to declaration of good health.