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. Moreover, this senior citizen health insurance policy allows elderly people to avail cashless treatments at any hospital of their choice across India.

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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

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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