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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:
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 - United India Insurance Co. Ltd.
N.B:  In class  'C'   towns condition of number of beds be reduced to 10.
2.1.1  The term ' Hospital / Nursing Home ' shall not include an establishment which is a place of rest, a place for the aged, a place for drug-addicts or place for alcoholics, a hotel or a similar place.
2.2 'Surgical Operation' means manual and / or operative procedures for correction of deformities and defects, repair of injuries, diagnosis and cure of diseases, relief of suffering and prolongation of life.
2.3  Expenses on Hospitalisation for minimum period of 24 hours are admissible. However, this time limit is not applied to specific treatments,
Appendectomy Haemo dialysis
Coronary angiography Hydrocele
Coronary angioplasty Hysterectomy
Dental surgery Inguinal/ventral/ umbilical/femoral hernia
D&C Parenteral chemotherapy
Eye surgery Piles/ fistula
Fracture/ dislocation excluding hairline fracture Prostrate
Radiotherapy Sinusitis
Lithotripsy Tonsillectomy
Incision and drainage of abcess Liver aspiration
Colonoscopy Sclerotherapy
Or any other surgeries / procedures agreed by the TPA/ Company which require less than 24 hours hospitalisation
Note: Procedures/treatments usually done in out patient department are not payable under the policy even if converted as an in-patient in the hospital for more than 24 hours

2.4  At the inception of the policy, if the insured declares the existence of diabetes, hypertension, Cholesterol, then the policy will not pay for the expenses incurred for the direct treatment of these illnesses. However, other complications not having a direct bearing to these illnesses but contracted during the policy period necessitating hospitalisation, such expenses will be reimbursed provided they are not otherwise excluded as per policy condition. An additional premium of 30% will be charged on the basic premium.

2.5  DOMICILIARY HOSPITALISATION BENEFIT means:-Medical treatment for a period exceeding three days for such illness / disease / injury which in the normal course would require care and treatment at a hospital / nursing home but actually taken whilst confined at home in India under any of the following circumstances namely:

i) The condition of the patient is such that he / she cannot be removed to the hospital / nursing home or
ii) The patient cannot be removed to Hospital / Nursing home for lack of accommodation therein

Subject however that domiciliary hospitalisation benefits shall not cover:

I)   Expenses incurred for pre and post hospital treatment and
II)  Expenses incurred for treatment for any of the following diseases:
1) Asthma 2) Bronchitis 3) Chronic Nephritis and Nephritic Syndrome 4) Diarrhoea and all type of Dysenteries including Gastroenteritis 5) Diabetes Mellitus 6) Epilepsy 7) Hypertension 8) Influenza, Cough and Cold 9) All Psychiatric or Psychosomatic Disorders 10) Pyrexia of unknown Origin for less than 10 days 11) Tonsillitis and Upper Respiratory Tract infection including Laryngitis and pharangitis 12) Arthritis, Gout and Rheumatism
Note: When treatment such as dialysis, Chemotherapy, Radiotherapy., etc is taken in the hospital / nursing home and the insured is discharged on the same day the treatment will be considered to be taken under hospitalisation benefit section.

Liability of the company under this clause is restricted as stated in the Schedule attached hereto.
Any one illness will be deemed to mean continuous period of illness and it includes relapse within 45 days from the date of discharge from the Hospital / Nursing Home where treatment has been taken. Occurrence of the same illness after a lapse of 45 days as stated above will be considered as fresh illness for the purpose of this policy.

Relevant medical expenses incurred during period up to 30 days prior to Hospitalisation on disease / illness / injury sustained will be considered as part of claim as mentioned under item 1.2 above.

Relevant medical expenses incurred during period up to 60 days after hospitalisation on disease / illness / injury sustained will be considered as part of claim as mentioned under item 1.2 above

3.3 MEDICAL PRACTITIONER means a person who holds a degree / diploma of a recognised institution and is registered by Medical Council of respective State of  India.  The term Medical Practitioner would include Physician, Specialist and      Surgeon.

3.4 QUALIFIED NURSE means a person who holds a certificate of a recognised Nursing Council and who is employed on recommendation of the attending Medical Practitioner.
  1. TPA means a Third Party Administrator who holds a valid License from Insurance Regulatory and Development Authority to act as a THIRD PARTY ADMINISTRATOR and is empanelled by the Company for the provision of health services as specified in the agreement between the Company and TPA 
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