Senior Citizen Health Insurance
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About SCHI – Senior Citizen Health Insurance
- What is SCHI? (Click on Every points should be get breif explanation as below mentioned Contents)
- Basic Coverages.
- Add On Coverages.
- Claim Process Support.
Free Consultation for the SCHI Product.
What is SCHI?
Senior citizen health insurance is a type of health insurance plan that covers medical expenses incurred by people above 60 years old. It offers preventive health check-up facilities to the elderly and cashless hospitalization at network hospitals of the insurance company.
Basic Coverages.
Senior citizen health insurance typically includes the following basic coverages:
- Hospitalization Expenses: Coverage for costs related to inpatient treatment, including room charges, surgery, and other hospital services.
- Pre-existing Conditions: Often includes coverage for pre-existing conditions, which is crucial for older adults who may have ongoing health issues.
- Emergency Care: Coverage for medical treatment in emergencies, including emergency room visits and ambulance services.
- Outpatient Consultations: Includes coverage for visits to doctors and specialists, and may also cover some diagnostic tests.
- Daycare Procedures: Covers treatments that do not require 24-hour hospitalization but involve significant medical procedures, such as chemotherapy or dialysis.
- Prescription Medications: Coverage for prescription drugs needed for treatment and management of illnesses.
- Preventive Services: Includes routine health check-ups and screenings to monitor and maintain health.
- Ambulance Charges: Covers expenses for ambulance services used in emergencies.
- Post-Hospitalization Care: Coverage for medical expenses incurred after hospitalization, such as follow-up treatments and medication.
These features are tailored to address the common health care needs of older adults and provide financial protection against significant medical expenses.
Add on coverages
Add-on coverages for senior citizen health insurance, or riders, can enhance the policy with additional benefits tailored to the needs of older adults. Common add-ons include:
- Critical Illness Insurance: Provides a lump-sum payment upon diagnosis of serious conditions like cancer, heart disease, or stroke, offering financial support beyond routine health expenses.
- Personal Accident Cover: Offers coverage for accidental injuries, including accidental death or disability.
- Daily Hospital Cash Benefit: Provides a daily cash allowance for each day of hospitalization, which can help cover additional expenses not covered by the policy.
- Health and Wellness Programs: Includes access to wellness services, preventive health check-ups, and health management programs.
- Home Healthcare Services: Covers expenses for medical care provided at home, such as nursing services or physiotherapy, especially useful for those who prefer or need to recover at home.
- Ambulance Cover: Offers enhanced coverage for ambulance services beyond standard policy limits.
- Organ Donor Expenses: Covers medical expenses related to organ donation, including costs for the donor and recipient.
- Top-Up Plans: Additional coverage that increases the sum insured, providing extra financial protection against high medical costs.
- Pre-hospitalization and Post-hospitalization Coverage: Extended coverage for medical expenses incurred before and after hospitalization, such as diagnostic tests and follow-up treatments.
These add-ons can be tailored to individual needs and provide comprehensive protection, addressing various aspects of senior health care.