Related to Senior citizens: Entry age is *up to 65 years* and there will not be any exit date for a policy as per Sec 12 of HIR 2016Premiums shall be fair, justified, transparent and duly disclosed upfront, as per Sec 23(i) of HIR 2016Separate claims & grievance cell, as per Sec 23(ii) of HIR 2016Health Insurance, Tertiary healthcare : Tertiary Health care is specialized consultative healthcare care, usually for inpatients and on referral from primary or secondary care providers. Tertiary Health care providers are ones who have the advanced medical facilities and professionals such as Oncology (Cancer Treatment), Organ Transplant facilities, High Risk Pregnancy Specialists etc.