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Senior Citizens Health Insurance (Mediclaim Policy) in India
 
(1) Senior Citizen Insurance (Mediclaim Policy) over 60 years   (2) Premium Comparative Chart of Senior Citizens
(3) Policy Wording/ Proposal Form/ Brochure Senior Citizens   (4) Senior Citizens Policy Coverage
(5) Required Medical Test List (Pre Acceptance Health Checkup)      
(6) Product details of Various Companies for Senior Citizens Health Insurance
 
General/Health Insurance Companies Products
6- Senior Citizens Mediclaim Policies -National Insurance Company Limited
VARISTHA Mediclaim for Senior Citizens
Salient Feature
This policy has been designed to cater to the needs of our Senior Citizens. It covers Hospitalization and Domiciliary Hospitalization Expenses under Section I as well as expenses for treatment of Critical Illnesses ,if opted for, under Section II. Diseases covered under Critical Illnesses are as under:
  • Coronary Artery Surgery
  • Cancer
  • Renal Failure i.e. Failure for both kidneys
  • Stroke
  • Multiple Sclerosis
  • Major Organ Transplants like kidney, Lung, Pancreas or Bone marrow
  • Paralysis and blindness at extra premium
Critical Illness cover is an optional cover under the policy. Persons who will not opt for critical illness cover are entitled to Hospitalization and Domiciliary hospitalization expenses cover for those diseases categorized above as critical illness but up to the limit of Sum Insured under Section I i.e. under Hospitalization and Domiciliary Hospitalization Expenses and the claim for those diseases will be paid on reimbursement basis or as cashless hospitalization. Person opting for Critical Illness cover may opt for claim either under Section I or Section II(if not hospitalized) or under both sections for those diseases categorized above as Critical Illnesses but claim under Section I will be paid either on reimbursement basis or as cashless hospitalization if it is otherwise admissible. If in any policy year a critical illness is diagnosed and claim paid thereafter, in subsequent renewals the person may avail cover both under Section I & II but with the exclusion, both under Section I & II, of that particular critical illness which has been diagnosed and claim paid in the preceding policy year.
Sum Insured: Sum Insured is fixed per person. Under Hospitalization & Domiciliary Hospitalization Cover sum Insured is Rs.1,00,000/- and under Critical Illness cover Sum Insured is Rs.2,00,000/-.
Age Group: For fresh entry in to the scheme-60 years to 80 years. However, for renewal, age limit will be extended up to 90 years in which case the premium of 76-80 age band will be loaded by 10% up to 85 years and 20% up to 90 years of age.
Preacceptance Medical Check up: No Medical Check up is required if the insured was covered under any Health Insurance Policy of National Insurance Company or other Insurance companies uninterruptedly for preceding three years. Other persons have to undergo medical check up at their own cost for Blood/Urine Sugar, Blood Pressure, Echo-cardiography and eye check up including retinoscopy.
1. Scope Of Cover
1.0 In the event of any claim/s becoming admissible under this section, the Company will pay to the Insured person the amount of such expenses as would fall under different heads mentioned below and as are reasonably and necessarily incurred hereof by or on behalf of such Insured Person but not exceeding the Sum Insured in aggregate mentioned in the Schedule hereto.
Hospitalisation Benefits Limits
A (i)Room,Boarding expenses a provided by the Hospital/Nursing Home
(ii) If admitted in IC Unit
i)Up to 1% of Sum Insured per day
ii)Up to 2% of Sum Insured per day Overall limit:25% of the S.I. per illness/injury
B Surgeon,Anaesthetist, Medical Practitioner, Consultants, Specialists Fees, Nursing Expenses Up 25% of Sum Insured per illness/Injury
C Anesthesia, Blood, Oxygen, OT charges, Surgical appliances(any disposable surgical consumables subject to upper limit of 7% of Sum Insured), Medicines, drugs, Diagnostic material X-Ray, Dialysis, Chemotherapy, Radiotherapy, cost of pacemaker, artificial limbs, Cost of stent implants Up to 50% of Sum Insured per illness/Injury
1)Company's overall liability in respect of claims arising due to Cataract is Rs.10,000/- and that of Benign Prostatic Hyperplasia is Rs 20,000/- only.
2)Company's liability in respect of all claims admitted during the period of Insurance shall not exceed the Sum Insured for the person as mentioned in the Schedule.
3)Liability of the company under Domiciliary Hospitalization clause is limited to 20% of the Sum Insured under Section I and within the overall limit of sum Insured under section I.
4)Hospitalization expenses of person donating an organ during the course of organ transplant will also be payable subject to the sub limits under ā€œCā€ above applicable to the insured person within the overall sum insured of the insured person.
5)Ambulance charges up to a maximum limit of Rs.Rs.1000/- in a policy year will be reimbursed.
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