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.

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National Health Insurance for Senior Citizens

All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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    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)
    25% (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)
    25% (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

    Minimum Entry Age

    60 years (For individual cover)
    50 years (For floater cover)

    Maximum Entry Age

    80 years

    Family Members Covered

    Self, Spouse

    Renewability

    Lifelong

    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

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