BOI Senior First Insurance Plan

Tax Benefits

• Tax Savings- Up to 30% tax benefit u/s 80D of income tax act 1961

Copayment Deductibles

• Co-Payment - 20% (1/5th) of SI; If Deductible is opted, co-pay is removed

Renewability and Coverage

• In-patient care & room accommodation
• Pre & post hospitalization (60 & 180 days)
• Day care treatment
• ReAssure benefit
• No claim bonus (10% p.a., max 100%)
• Annual health checkup from day 1
• Modern treatment
• Organ Donor
• Emergency ambulance (Road & Air)
• Domiciliary treatment
• AYUSH treatment
• Co-payment - (Option to reduce Co-pay
• Deductible - (Optional Cover)
• Safeguard benefit - (Optional Cover)

Additional Benefits

• 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.
• 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