Senior First

( ReAssure* Benefit- available under Re Assure Product has been extended to Senior First Product)

How ReAssure* Works?

  • Triggers with the first claim itself. No need to wait till entire sum insured is over
  • Pays for all ailments for all insured members -No insured or disease restriction
  • ReAssure is unlimited so that you never fall short of coverage Claim as many times as needed*
  • No Pre-Policy Medical Tests*-Get an insurance cover for your parents health COVENIENTLY without the need to get a pre-policy medical test.
  • No Sub-Limits on Common Conditions*-Now enjoy complete COVERAGE with no sub-limits on common health conditions like cataract, cancer, joint replacements or any other common health conditions.
  • Annual Aggregate Deductible*-Reduce your liability by opting for an annual aggregate deductible instead of a mandatory co-pay. More CHOICES, for your health.
  • SAFEGUARD* Benefit-Go truly cashless with Safeguard and get complete PEACE OF MIND.With 100% coverage for all medical expenses including coverage for non payable items like PPE kits, gloves, oxygen masks and more
  • No Loadings* on Common Conditions-SAVE more on your premium as there is no loadings on the basis of common health conditions like hypertension, diabetes, thyroid, etc.

Additional Discounts:

  • Tenure Discount- 7.5% on 2nd year premium
  • Additional 15% discount on 3rd year premium ( for 3 year term only)
  • Family discount- 10% discount on premium if 2 members are covered in an individual policy
  • Discount at renewal- 2.5% discount on premium if paid through standing instruction
  • Tax Savings- Up to 30% tax benefit u/s 80D of income tax act 1961

Product Features Benefits Gold Plan Plantinum Plan
1 Sum Insured Wide sum insured options starting from 5 lakhs to 25 lakhs
2 In-patient care & room accommodation* Shared Room Single Private Room
3 Pre & post hospitalization (60 & 180 days) Covered Covered
4 Day care treatment Covered Covered
5 ReAssure benefit Not Covered Covered
6 No claim bonus (10% p.a., max 100%) Not Covered Covered
7 Annual health checkup from day 1 Not Covered Covered
8 Modern treatment Covered Covered
9 Organ Donor Covered Covered
10 Emergency ambulance (Road & Air) Covered Covered
11 Domiciliary treatment Covered Covered
12 AYUSH treatment Covered Covered
13 Co-payment - (Option to reduce Co-pay Choose at inception – 0% / 20% / 30% / 40% / 50%
14 Deductible - (Optional Cover) 20% (1/5th) of SI; If Deductible is opted, co-pay is removed
15 Safeguard benefit - (Optional Cover) Truly cashless, NCB protection and inflation proof benefits