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Senior Citizen’s ‘BAHUMANA’ Insurance

Designed to ease the concerns of life’s golden years, our Senior Citizen’s ‘BAHUMANA’ Insurance offers a comprehensive plan specifically tailored for your retirement chapter. Acting as your safeguard against unforeseen circumstances, this inclusive plan guarantees financial security in the event of accidental death, permanent total or partial disability, and covers funeral and hospitalization expenses. Make the smart choice for your well-being with our Senior Citizen’s ‘BAHUMANA’ Insurance-because your peace of mind matters.

Benefit Minimum Age at Entry Maximum Age of Entry Benefit Termination Age
Personal Accident Benefits
1A. Accidental Death or Permanent Total/Partial Disablement
1B. Hospitalization due to Accidental Injury
1C. Mobility Assistance Cover
55 74 90
Medical and Surgical Supportive Benefits
2A. Drugs and Diagnostic Investigation Benefit
2B. Hospital Cash Benefits
55 74 75
Funeral Expenses Benefits 55 74 75

1.1 Personal Accident Benefits

1.1.1 Accidental Death or Permanent Total/Partial Disablement

This section covers personal accident benefits. If, within 90 days of an accident, it is proven to us that the Policyholder’s death or Permanent Total/Partial Disablement was solely and directly caused by that accident, we will provide compensation as stated in the Policy’s terms and conditions. Please note that for the same accident, you cannot claim more than one benefit available under this section.

1.1.2 Hospitalization due to Accidental Injury

If you are admitted to a hospital due to an accidental injury, we pay the eligible expenses as stated in the Policy Schedule. This includes charges such as admission fees, room and intensive care charges, administrative costs, and various medical expenses. We also cover surgeon’s, anesthetist’s, and consultant’s fees, as well as specialist services like X-rays and physiotherapy. All of this is subject to the terms and conditions mentioned in your policy.

1.1.3 Mobility Assistance Cover

We provide financial assistance to buy a wheelchair, crutches, or an artificial limb if a consultant physician recommends it for a period of six months or more due to an accident that happened during the Policy period. You are not entitled to claim more than once for the same accident.

1.2 Medical and Surgical Supportive Benefits

If any or more of the following events take place, we are not liable to pay expenses that arises directly or indirectly.

1.2.1 Drugs and Diagnostic Investigation Benefit

We cover the expenses for drugs and diagnostic tests, including scans and X-rays, incurred during your stay in an approved hospital due to illness or sickness.

1.2.2 Hospital Cash Benefits

We provide a daily allowance if you are hospitalized in a registered private or government medical institution for up to 30 days due to illness or sickness.

1.3 Funeral Expenses Benefits

In the unfortunate event of death, we offer a lump sum payment irrespective of the cause. Please be aware that certain age limits defined in the Policy are applicable.

Specific Exclusions Applicable to Medical and Surgical Supportive Benefits:

If any or more of the following events take place, we are not liable to pay expenses that arises directly or indirectly.

Hospitalizations shorter than 48 hours.

Any expenses incurred or hospitalization during the first 30 days from the start of your coverage.

Skin diseases, cosmetic surgeries, and treatments/procedures such as removing abscesses, cysts, warts, breast lump removal, plastic/cosmetic surgeries, and physiotherapy.

Any expenses incurred or hospitalization related to pregnancy, childbirth, miscarriage, abortions, and any related conditions (e.g. hypertension due to pregnancy), contraceptives, infertility treatments, sexual dysfunction treatments, and procedures related to impotence or sterilization.

Bahumana Brochure
Bahumana Policy (English)
Bahumana Policy (Tamil)
Bahumana Policy (Sinhala)

    *Please note that inquiries received after office hours (8:30 to 5:00), on weekends and on mercantile holidays will be followed up on the next working day.

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