New India Assurance Health Insurance for Senior Citizens

New India Assurance Health Insurance for senior citizens provides medical insurance cover to individuals aged 60 years and more. The Senior Citizen Mediclaim policy by the New India Assurance Company Limited provides extensive coverage to elderly people against a variety of medical expenditures.

Key Benefits of New India Assurance Health Insurance for Senior Citizens

Take a look at the key benefits of buying a New India Assurance Health Insurance for senior citizens:

Wide range of sum insured available from Rs 1 lakh to Rs 50 lakh
Sum insured available on an individual coverage basis
5% cumulative bonus for every claim-free year for up to 30%
Cost of health check-up covered after every four consecutive claim-free years
10% discount on opting for voluntary excess
10% family discount if the insured’s spouse is also covered
Tax saving benefits available under Sec 80D of the IT Act

New India Assurance Health Insurance Plans for Senior Citizens

The following table represents the New India Assurance plan for senior citizens:

Plan Name	Sum Insured (Rs)	Co-Payment
New India Assurance Senior Citizen Mediclaim Plan	1 lakh to 50 lakh	10%	View Plan

Eligibility Criteria for New India Assurance Health Insurance for Senior Citizens

Elderly parents need to suffice the following eligibility criteria to buy a New India Assurance for senior citizens:

Categories	Eligibility Criteria
Minimum Entry Age	60 years
Maximum Entry Age	80 years
Family Members Covered	Self, spouse
Renewability	Lifetime

Choose Health Insurance Company for Senior Citizens

Aditya Birla Health Insurance for Senior Citizens

Bajaj Allianz Health Insurance for Senior Citizens

Care Health Insurance for Senior Citizens

Cholamandalam Health Insurance for Senior Citizens

Digit Health Insurance for Senior Citizens

Future Generali Health Insurance for Senior Citizens

IFFCO Tokio Health Insurance for Senior Citizens

Kotak Mahindra Health Insurance for Senior Citizens

Senior Citizens Health Insurance PlansExpand

Inclusions of New India Assurance Health Insurance for Senior Citizens

New India Assurance Health Insurance for senior citizens includes the following coverage:

In-patient Hospitalization Expenses
Pre-hospitalization Medical Expenses
Post-hospitalization Medical Expenses
AYUSH Treatment
Ambulance Charges
Organ Donor Expenses
Modern Treatments
Congenital Diseases
Artificial Life Maintenance
Impairment of Intellectual Faculties
Mental Illness, Stress, Psychological & Neurodegenerative Disorders
Puberty & Menopause-related Disorders
Age-related Macular Degeneration
Behavioural and Neuro Developmental Disorders
Genetic Diseases

Exclusions of New India Assurance Health Insurance for Senior Citizens

Below mentioned medical expenses are excluded under New India Assurance Health Insurance for senior citizens:

Domiciliary treatment
Obesity & weight control treatment
Dental treatment
Cosmetic or plastic surgery
Treatment of alcoholism
Cost of dietary supplements bought without a doctor’s prescription
Unproven treatment
Treatment taken outside India

FAQs

Q1. Which waiting periods apply to New India Assurance Health Insurance for senior citizens?
Ans: The following waiting periods apply to the New India Assurance Senior Citizen Mediclaim policy:
- Pre-existing Diseases Waiting Period – 18 months
- Specific Diseases Waiting Period – 90 days/ 18 months/ 48 months (as per the disease)
- Initial Waiting Period – 30 days
- Congenital Disease Waiting Period – 18/48 months (as per the disease type)
- Mental Illness/Psychological Disorders Waiting Period – 48 months
- Puberty & Menopause-related Disorders Waiting Period – 18 months
- Age-related Macular Degeneration Waiting Period – 48 months
- Behavioural and Neuro Developmental Disorders – 18 months
- Genetic Diseases Waiting Period – 48 months
Q2. Is pre-acceptance health check-up compulsory to buy New India Assurance Health Insurance for senior citizens?

Ans: Yes. It is mandatory to undergo a pre-acceptance health check-up to buy a New India Assurance Senior Citizen Mediclaim policy.
Q3. Where can I find the premium chart of New India Assurance Health Insurance for senior citizens?

Ans: The premium chart of the New India Assurance Senior Citizen Mediclaim policy is available on the website of the insurance company. If you need to check the premium, you can also use a health insurance premium calculator on Policybazaar.com.