Senior Health Advantage

No Claim Bonus increases the sum insured by 10% for each claim-free year, up to a maximum of 50% of the sum insured, subject to policy terms.

A separate comprehensive consumables cover is not established as a standard benefit in the reviewed brochure or current product summary.

30 days for illnesses, except accidental injuries, subject to policy terms.

24 months of continuous coverage for named ailments and procedures, subject to the policy wording.

The current official product page specifies 24 months of continuous coverage for pre-existing diseases. The uploaded March 2024 brochure specifies 24 months as well.

Available from Day 1 for all insured members according to the uploaded brochure. The brochure lists complete blood count with ESR, urine routine, blood group, fasting blood sugar, lipid profile, kidney function test and ECG. The current policy schedule governs the applicable benefit.

The uploaded brochure specifies eligible post-hospitalisation medical expenses for 60 days after discharge. Confirm the applicable limits in the current policy schedule.

Regular OPD treatment is not established as an unconditional base benefit in the reviewed brochure. The insurer’s broader senior-health offering lists optional OPD benefits; check the selected policy schedule for availability.

A deductible option is not identified in the uploaded brochure’s base-benefit table. Confirm whether it is available under the current selected policy configuration.

Individual cover for up to 6 members aged 60 or above, or a family floater for 2 adults, subject to the policy’s eligibility rules.

Maternity and childbirth cover is not listed as a standard benefit in the reviewed brochure.

Eligible AYUSH treatment is covered up to the sum insured, subject to the policy terms.

The uploaded brochure specifies eligible pre-hospitalisation medical expenses for 30 days before admission.

Use Care Health Insurance’s verified insurer-level claim settlement ratio for the relevant financial year. This is not a product-specific ratio or a guarantee of claim approval.

The uploaded brochure specifies a twin-sharing room. Check the current policy schedule for the applicable room category and any optional modification.

Cashless treatment is available at eligible network hospitals, subject to network status, pre-authorisation and policy terms. The insurer currently advertises a network of 22,100+ cashless healthcare providers; verify the latest figure before publishing.

Eligible daycare procedures are covered, subject to policy terms and the applicable list of procedures.

The uploaded brochure lists limits for cataract, total knee replacement, cerebrovascular and cardiovascular diseases, cancer including chemotherapy/radiotherapy, medical renal diseases including dialysis, and long-bone fractures. See the disease-limit table below.

The uploaded March 2024 brochure does not establish unlimited automatic recharge as a base benefit. The current product page describes a one-time 100% sum insured recharge per policy year. Do not label it unlimited without confirmation in the current wording.