Health Insurance

Should one opt for a top up health plan or a super top up health plan if he is a senior citizen?
If one is a senior citizen and incurs a very high medical bill due to a critical illness his finances are in a mess. The ordinary health policy might not suffice in such a situation as the health coverage is very low. In this situation one is greatly aided by a top up health plan. If one takes up this plan say for an amount of INR 5 Lakhs the Insurance Company will not pay any amount for an illness below this amount .Ones senior citizen health policy covers this cost. If the threshold of 5 Lakhs is breached then the health policy kicks in. One is prevented from getting caught off guard by a sudden critical illness such as a heart attack in a particular year leaving finances in a mess. The premiums are low in this kind of a policy. One can also opt for a super top policy where if one incurs a medical expense of say INR 3 Lakhs twice in a year which translates to 6 Lakhs the top up policy is of no use as the threshold limit of INR 5 Lakhs is not breached. One is covered by the super top up policy in such a situation as it considers the total medical bill one incurs and not just a single threshold. One has to pay very low premiums in such a policy.

There is a famous saying ”The greatest wealth is health”. The next best thing for a senior citizen is a health policy. If one is a senior citizen a health insurance policy is a must and one cannot afford not to have health cover even for a day. Sure one has the dilemma of whether to continue a policy at a high premium. Can’t one survive on his investment and retirement corpus? The answer is simple. Even at a higher premium a senior citizen health policy is the best option.


Travel Insurance / Overseas Mediclaim policy is a basic requirement when one travels abroad, either it’s for business, sight-seeing, shopping or pleasure. It is a single policy which covers all unforeseen risks – medical & non-medical when one is in a strange place.

Options available

  • Single Trip
  • Multi Trip
  • Student Medical
  • Senior Citizen
  • Pay per day basis
  • Coverage of Medical Expenses

It takes care of your medical expenses due to accident and sickness while traveling so that you can concentrate on better things like enjoying the holiday.

  • Checked Baggage Loss

Compensation for the loss of checked in baggage.

  • Baggage delay

Compensation for reasonable expenses incurred for purchase of emergency personal effects due to delay in arrival of checked in baggage, whilst overseas.

  • Loss of Passport

Compensation for expenses incurred in obtaining a duplicate or new passport.

  • Personal Liability

Compensation for damages to be paid to a third party, resulting from death, bodily injury or damage to property; caused involuntarily by the insured.

  • Hijacking

In an unfortunate event of your common carrier in which you are traveling; being hijacked, it will pay a distress allowance to you.

  • In-hospital Indemnity

Travel Guard pays a Daily benefit for each day you are an inpatient in a hospital due to injury or sickness.

  • Trip Delay

Reimbursement of additional expenses occurred due to trip delay.

  • Automatic-extension of the policy

It allows you to extend your policy upto a period of 7 days from the policy expiry date.

  • Personal Accident

It gives you worldwide coverage against Accidental Death and Dismemberment while you're abroad anywhere in the world.

  • Sickness Dental Relief

The policy pays for immediate Dental Treatment occurring due to sudden acute pain during the course of an overseas Insured Journey. Dental benefits will be provided for Medically Necessary filling of the tooth or surgical treatment, services, or supplies.

The Assistance Services include Medical Assistance and Non-Medical Assistance:

  • Non-Medical Assistance includes:
  • Pre-departure services
  • Embassy referral services
  • Claims procedures Information services
  • Lost Luggage or Lost Passport
  • General Assistance
  • Pre-Departure Services
  • Emergency Travel Agency
  • Emergency Cash Transfers and Advances
  • Legal Assistance


  • Medical Assistance includes:
  • Medical services provider referral
  • Arrangement of Hospital admissions
  • Monitoring of Medical Condition during Hospitalization
  • Medical Assistance
Medical Evacuation