National Health Insurance for Senior Citizens
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National Health Insurance for Senior Citizens
National Health Insurance for senior citizens offers medical coverage to people aged 60 years and above. The Senior Citizen Mediclaim policy by National Insurance Company Limited is customized to cover the health needs of elderly parents and is available in two variants – Plan A and Plan B.
Key Benefits of National Health Insurance for Senior Citizens
National Health Insurance plans for senior citizens come with the following key benefits:
- Both individual and floater coverage available
- Multiple sum insured options ranging from Rs 1 lakh to Rs 10 lakh
- Preventive health check-up facility provided
- Cashless treatment available at more than 6000 network hospitals
- 5% cumulative bonus for every claim-free year up to 50%
- 10% direct sale discount for walk-in customers
- Tax benefits on paid premium under section 80D of Income Tax Act, 1961
National Health Insurance Plans for Senior Citizens
Take a look at the various National Health Insurance plans for senior citizens:
|
Plan Name |
Sum Insured (Rs) |
Co-Payment |
|
|
National Senior Citizen Mediclaim Policy – Plan A |
1 lakh to 10 lakh |
10% (for pre-existing hypertension/diabetes claim in the first 2 years) |
View Plan |
|
National Senior Citizen Mediclaim Policy – Plan B |
1 lakh to 10 lakh |
10% (for pre-existing hypertension/diabetes claim in the first 2 years) |
View Plan |
Eligibility Criteria for National Health Insurance for Senior Citizens
Elderly people need to fulfil the following eligibility criteria to buy a National Health Insurance plans for senior citizens:
|
Categories |
Eligibility Criteria |
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Minimum Entry Age |
60 years (For individual cover) |
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Maximum Entry Age |
80 years |
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Family Members Covered |
Self, Spouse |
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Renewability |
Lifelong |
Choose Health Insurance Company for Senior Citizens
Inclusions of National Health Insurance for Senior Citizens
National Health Insurance for senior citizens includes the following coverage:
- In-patient Treatment
- Domiciliary Hospitalization
- Pre-hospitalization Expenses
- Post-hospitalization Expenses
- Day Care Procedures
- Ayurveda and Homeopathy Treatment
- Ambulance Charges
- Organ Donor Expenses
- HIV AIDS Cover
- Mental Illness Cover
- Modern Treatments
- Morbid Obesity Treatment
- Correction of Refractive Error
- Hospital Cash (Plan B only)
- Funeral Expenses (Plan B only)
- Doctor/ Nurse/ Attendant/ Aya Charges (Plan B only)
- Reinstatement of Sum Insured if exhausted due to RTA (Plan B only)
Optional Covers:
- Pre-existing Hypertension or/and Diabetes
- Critical Illness
- Outpatient Treatment
- Personal Accident
Exclusions of National Health Insurance for Senior Citizens
The following coverage is excluded under National Health Insurance for senior citizens:
- Treatment taken outside India
- Obesity treatment
- Treatment for alcohol or drug abuse
- Dental treatment
- Dietary supplements bought without a doctor’s subscription
- Plastic or cosmetic surgery
- Unproven treatment
FAQs
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Q1. Is pre-policy check-up required to buy National Health Insurance for senior citizens?
Ans: Yes, a pre-policy check-up is required to buy a National Senior Citizen Mediclaim policy.
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Q2. Does National Health Insurance for senior citizens come with any waiting periods?
Ans: Yes, the National Senior Citizen Mediclaim policy comes with the following waiting periods:
- Pre-existing Diseases Waiting Period – 2 years
- Initial Waiting Period – 30 days
- Specific Diseases Waiting Period – 1 year/ 2 years/ 3 years
- Lifestyle Conditions Waiting Period – 90 days
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Q3. Where can I find the premium chart for National Health Insurance for senior citizens?
Ans: You can check the premium chart for the National Senior Citizen Mediclaim policy on the insurance company’s website. To check the premium, you can also use the health insurance premium calculator on the website of Policybazaar Insurance Broker Private Limited.
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