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For Comparative Insurance Quote: Om Plaza, 430/7, 1st Floor, Sant Nagar, East of Kailash, New Delhi-65
Phone: 011-41324957, 41623784, Mob:+91-8447757651 & 53 Email: ria1@surekhae.com
Senior Citizens Health Insurance (Mediclaim Policy) in India
 
(1) Senior Citizen 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 - The New India Assurance Co. Ltd.
4.0 EXCLUSIONS:
The Company shall not be liable to make any payment under this policy in respect of:

4.1 Pre-existing diseases/condition: All diseases/ injuries, which are pre-existing when the cover incepts for the first time. However, they will be covered on completion of 18 claim free months of insurance.

Dialysis, Chemotherapy & Radiotherapy for diseases, including Critical Illnesses, existing prior to commencement of this policy are excluded even after two- claim free years.

Pre-existing conditions of Diabetes mellitus and Hypertension are covered from inception of the policy but only on payment of additional premium. However, any ailment attributable to Diabetes mellitus or Hypertension, which has already manifested at the time of inception of insurance, will not be covered even on payment of additional premium for covering Diabetes mellitus and / or Hypertension.

4.2 30-day Exclusion: No claim will be payable in respect of any disease contracted by the Insured person during first 30 days from the commencement date of the policy. This exclusion will not apply if the policy is renewed without any break. The exclusion does not apply to treatment for accidental injuries.

4.3 Writing period for specified diseases/ ailments/ conditions: No claim will be payable in respect of the following Diseases/Conditions contracted during the ‘waiting periods’ specified below, starting from the first day of inception of the cover for the first time.
Sr. No Name of Disease/Ailment/Surgery not covered for  
1 Any skin disorder 18 months
2 All internal & external benign tumors, cysts, polyps of any kind, including benign breast lumps 18 months
3 Benign Ear, Nose, Throat disorders 18 months
4 Benign Prostate Hypertrophy 18 months
5 Cataract & age related eye ailments 18 months
6 Diabetes melitus 18 months
7 Gastric/ Duodenal Ulcer 18 months
8 Gout & Rheumatism 18 months
9 Hernia of all types 18 months
10 Hydrocele 18 months
11 Hypertension 18 months
12 Hysterectomy for Menorrhagia/ Fibromyoma, Myomectomy and Prolapse of uterus 18 months
13 Non Infective Arthritis 18 months
14 Piles, Fissure and Fistula in Anus 18 months
15 Pilonidal Sinus, Sinusitis and related disorders 18 months
16 Prolapse Inter Vertebral Disc unless arising from accident 18 months
17 Stone in Gall Bladder & Bile duct 18 months
18 Stones in Urinary Systems 18 months
19 Unknown Congenital internal disease/defects 18 months
20 Varicose Veins and Varicose Ulcers 18 months
21 Age related Osteoarthritis & Osteoporosis 48 months
22 Joint Replacements due to Degenerative Condition 48 months
These diseases/conditions are covered on expiry of the duration shown against each, provided the policy is continuously renewed with the Company without any break.

4.4 Permanent Exclusions: Any medical expenses incurred for or arising out of:
4.4.1 War, Invasion, Act of foreign enemy, War like operations, Nuclear weapons, Ionising Radiation, contamination by Radioactive material nuclear fuel or nuclear waste.
4.4.2 Circumcision, cosmetic or aesthetic treatment, plastic surgery unless required to treat any injury or illness.
4.4.3 Vaccination & Inoculation.
4.4.4 Cost of braces, equipment or external prosthetic devices, non-durable implants, eyeglasses, Cost of spectacles and contact lenses, hearing aids including cochlear implants and durable medical equipments.
4.4.5 All types of Dental treatments except arising out of an accident.
4.4.6 Convalescence, general debility. ‘Run-down’ condition or rest cure. Obesity treatment and its complications, congenital external disease/ defects or anomalies, treatment relating to all psychiatric and psychosomatic disorders, dementia, Alzheimer’s disease, infertility, sterility, use of intoxicating drugs/alcohol, use of tobacco leading to cancer.
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