Senior citizen Mediclaim

Senior Citizen Red Carpet Policy the *Renewal procedure*: The policy will be renewed except on grounds of misrepresentation / Non-disclosure of material fact as declared in the proposal form and at the time of claim, fraud committed / moral hazard or non cooperation of the insured. A grace period of 30 days from the date of expiry of the policy is available for renewal. If renewal is made within this 30 days period, the continuity of benefits with reference to waiting periods will be allowed. Note: 1. The actual period of cover will start only from the date of payment of premium. 2. Renewal premium is subject to change with prior approval from the Regulator *Revision of Sum Insured* : Reduction or enhancement of sum insured is permissible only at the time of renewal. Enhancement of sum insured is subject to no claim being lodged or paid under this policy, Both the acceptance for enhancement and the amount of enhancement will be at the discretion of the Company. Where the sum insured is enhanced, the amount of additional sum insured including the respective sub-limits by way of such enhancement shall be subject to the following terms A Waiting period as under shall apply afresh from the date of such enhancement for the increase in the sum insured, that is, the difference between the expiring policy sum insured and the increased sum insured. i) First 30 days as under waiting period (i) ii) 24 months with continuous coverage without break (with grace period) in respect of diseases / treatments falling under waiting period (ii). iii) 12 months of continuous coverage without break (with grace period) in respect of Pre-Existing diseases as defined under waiting period (iii). iv) 24 months of continuous coverage without break (with grace period) in respect of Pre-Existing Diseases which fall under waiting period (ii). v) 12 months of continuous coverage without break (with grace period) for diseases / conditions diagnosed / treated irrespective of whether any claim is made or not in the immediately preceding three policy periods The above applies to each relevant insured person Call 98401 77017 Devarajan for Services, Suggestion, needs, etc. www.starhealthdevarajan.com