National Senior Citizen Mediclaim Policy

National Senior Citizen Mediclaim Policy is an indemnity health insurance policy for the aged. The Policy covers expenses in respect of inpatient treatment (allopathy, ayurveda and homeopathy), domiciliary hospitalisation, reasonably and customarily incurred for treatment of a disease or an injury contracted/sustained during the policy period. The Policy also covers pre hospitalisation and post hospitalisation expenses, 140+ day care procedures/surgeries, organ donor’s medical expenses, hospital cash, ambulance charges, doctor’s home visit, nursing, aya and attendant charges during post hospitalization, funeral expenses, reinstatement of SI due to Road Traffic Accident and regular medical consultation charges depending on the Plan opted. Pre-existing Diabetes and/or Hypertension, Outpatient Treatment, Critical Illness and Personal Accident are provided as Optional Covers.

National Senior Citizen Mediclaim Policy covers hospitalization expenses of senior citizens. The online Varistha Mediclaim policy in India by National Insurance Company Limited also offers optional coverage for critical illness. This type of National Health Insurance online policy offers additional coverage for pre-existing diabetes and hypertension. However, policyholders need to pay extra premium to avail additional coverage.

Any senior citizen who is 60 years old is eligible for National Senior Citizen Mediclaim Policy up to 80 years of age. The maximum age limit is 80 years to buy this online Varistha Mediclaim policy in India by National Insurance Company Limited and policyholders can renew it up to 90 years of age. After this age limit, renewal is not permissible. National Senior Citizen Mediclaim Policy comes with a term of 1 year which means you have to renew it every year. The Sum Insured options for this type of National health insurance online plan in India are Rs. 100000 and Rs 200000 if you want to buy this plan to shield critical illness.

• ✔National Senior Citizen Mediclaim Policy provides cashless facility for treatments in network hospitals
• ✔National Senior Citizen Mediclaim Policy provides reimbursement facility for treatments in non-network hospitals
• ✔The online Varistha Mediclaim policy in India by National Insurance Company Limited covers pre and post hospitalization medical expenses. Coverage is available for 30 days before hospitalization and 60 days after hospitalization.
• ✔This type of National Health Insurance online policy in India covers room, boarding expenses up to 1% of Sum Insured for each day. The Coverage of online Varistha Mediclaim policy by National Insurance Company Limited increases to 2% for admission in ICU. The Overall limit of coverage of National Senior Citizen Mediclaim Policy is 25% of Sum Insured for every illness.
• ✔The online Varistha Mediclaim policy in India by National Insurance Company Limited covers nursing expenses, fees of surgeon, Medical Practitioner, anesthetist, consultants, specialists cup to 25% of Sum Insured for each illness.
• ✔National Senior Citizen Mediclaim Policy covers costs of surgical appliances, anesthesia, oxygen, OT charges up to 7% of Sum Insured.
• ✔National Senior Citizen Mediclaim Policy covers costs of medicines, X-Ray, diagnostic material, Dialysis, Radiotherapy, Chemotherapy, pacemaker, artificial limbs, stent and implants up to 50% of Sum Insured for every illness
• ✔This type of National Health Insurance online policy in India covers domiciliary treatment expenses up to 20% of basic sum insured
• ✔This type of National Health Insurance online policy in India also covers ambulance charges up to Rs 1000 for each year
• ✔National Senior Citizen Mediclaim Policy reimburses Health check up costs on renewal up to 2% of Sum Insured after 3 claim free years in a row
• ✔National Senior Citizen Mediclaim Policy covers pre-existing diabetes and hypertension from the begining
• ✔National Senior Citizen Mediclaim Policy covers critical Illnesses like Coronary Artery Surgery, Cancer, Renal Failure, Multiple Sclerosis, stroke and major organ transplants like kidney, Bone marrow, Pancreas or Lung
• ✔National Senior Citizen Mediclaim Policy covers paralysis and blindness at extra premium. You can buy this type of National Health Insurance online policy in India and get treatment expenses covered by paying to 15% for either of the illness or 25% additional premium for both types of illness.

You can buy this type of Health Insurance online policy in India by National Insurance Company Limited to enjoy such extensive coverage.

• ✔National Health Insurance online plan in India offers 5% No Claim Bonus up to a maximum of 50% for each free year without claim on renewal. Policyholders can also use this bonus to increase the sum insured when they renew their National Senior Citizen Mediclaim Policy.
• ✔National Senior Citizen Mediclaim Policy doesn’t require Medical Check Up before availing this one of the best online National health insurance plans if the insured is covered by any health insurance plan for last three years. However, the medical check-up is required for others.
• ✔National Senior Citizen Mediclaim Policy requires 10% Co Payment of all claims. When you buy this plan, you can also opt for 2% co-payment to get 10% premium discount.
• ✔To make claims for pre-existing diseases, National Senior Citizen Mediclaim Policy requires additional 10% co-pay.

• ✔National Health Insurance online plan in India covers pre-existing illnesses after 1 year
• ✔National Senior Citizen Mediclaim Policy comes with a 30 days no claim period for general cover and 90 days no claim period for critical Illness
• ✔The online Varistha Mediclaim policy in India by National Insurance Company Limited covered certain illnesses like cataract, piles, hernia after first year

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