National Senior Citizen Policy
  • Plan options available
  • Domiciliary hospitalization
  • Modern treatments
National Senior Citizen Policy
Network hospitals

Network hospitals

3200+

Incurred claim ratio

Incurred claim ratio

91.31%

Sum insured

Sum insured

Up to 2 Crores

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

0.3

Pan India Presence

Pan India Presence

850+

Customized Health Insurance Plan for you.

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Age of Eldest Member

National Senior Citizen Policy

National Senior Citizen Mediclaim Policy is a plan especially designed and launched for senior citizens, allowing them to live a relaxed life post-retirement. National Insurance Senior Citizen Mediclaim Policy covers expenses in respect of in-patient treatment (allopathy, ayurveda and homeopathy), domiciliary hospitalization, reasonably and customarily incurred for treatment of a disease or an injury contracted/ sustained during the policy period.

National Senior Citizen Mediclaim Policy offers SI up to INR 10 Lakh under both Individual Basis and Floater Basis for two Plans – i.e., Plan A and Plan B. National Senior Citizen Mediclaim Policy offers various additional features under Plan B like hospital cash, reinstatement of SI, no sub-limits for room rent, and funeral expenses.

National Insurance Senior Citizen Mediclaim Policy is a versatile plan that offers new age modern treatments, HIV and Mental Illness Coverage, Treatment for morbid obesity, Hospital cash, lifelong renewability, and many more advantages.

National Health Insurance Detailed Review

National Senior Citizen Policy

National Senior Citizen Policy Specifications

To understand National Senior Citizen Policy Insurance in detail, take a look at the below table:

Entry Age

60 to 80 Years

Policy Type

Senior Citizen Health Insurance

Sum Insured

1 L | 3 L | 5 L | 8 L | 9 L | 10 L

Initial Waiting Period*

30 Days

Renewability

Lifelong

Policy Term

1 Year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

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Choose Your National Senior Citizen Policy

With wide coverage options available, National Senior Citizen Policy Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Covered

Automatic Restoration

Not Covered

Daily Hospital Cash

Covered

Organ Donor

Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Covered

Second Medical Opinion

Not Covered

Vaccination

Not Covered

Limitations

Co-payment

Covered

Sub-limits

Covered

What is Room Rent?

The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).

What are ICU Charges?

It is a special hospital department where patients with serious medical conditions are treated.

What is Pre Hospitalization?

Medical expenses incurred before hospitalisation of the policyholder.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

What is Domiciliary Hospitalization?

Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.

What is Daycare Treatment?

Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .

What is COVID-19 Treatment?

It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.

What is Automatic Restoration?

It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.

What is Daily Hospital Cash?

Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section deliveries.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment
What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)
What is a Modern Treatment?

Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

What is Compassionate Travel?

Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.

What is E-Consultation?

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.

What is Co-payment?

In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.

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National Health Insurance

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Sample Premium Illustration of National Senior Citizen Mediclaim Plan

To understand how much premium an amount one needs to pay, let us go through the below example wherein we have illustrated the sample premiums.

Plan A - for Individuals / Premium Table for Senior most member (for floater policy)

Sum Insured (in Rs.) 1 Lakh 4 Lakhs 8 Lakhs 10 Lakhs
Premium Payable 7,313 16,456 30,809 33,360

Plan B – Premium Table for Individuals / Premium Table for Senior most member (for floater policy)

Sum Insured (in Rs.) 1 Lakh 4 Lakhs 8 Lakhs 10 Lakhs
Premium Payable 10,419 23,443 43,893 47,526

National Senior Citizen Mediclaim Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under the National Senior Citizen Mediclaim Plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Miscarriage, and Abortion

Congenital disease

Infertility and in vitro fertilization

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain period. Read the details below:

Listed ailments after 12 Months

Pre-existing diseases after 1/2/4 Years

Explore other National Health Insurance

To cater to the different medical needs of an individual & their family, National Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to National Health Insurance plans explore more:

Individual and Family Health Insurance

National Parivar mediclaim plus is a versatile family floater health insurance policy that comes in three different plan options that are A, B, and C....

Unique Features

  • Multiple Plan Options
  • Up to 50 L SI
  • Avail Maternity Cover

National Parivar Mediclaim Plus Policy (Pros)

National Parivar Mediclaim Plus Policy
  • Multiple Discount Options
  • Tax Benefits
  • Road Accident Cover

National Parivar Mediclaim Plus Policy (Cons)

National Parivar Mediclaim Plus Policy
  • Hazardous or Adventure Sports
  • Treatment for Alcoholism
  • Drug or Substance Abuse

National Parivar Mediclaim Plus Policy (Other Benefits)

National Parivar Mediclaim Plus Policy
  • Maternity Cover
  • Infertility Treatment
  • Vaccination for Children
  • Obesity

National Parivar Mediclaim Plus Policy (Eligibility Criteria)

National Parivar Mediclaim Plus Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

Individual and Family Health Insurance

National Young India Mediclaim Policy, an indemnity-based insurance policy is available as an individual and family floater health plan. A standard he...

Unique Features

  • Maternity Cover
  • Cataract Cover
  • High SI

National Young India Mediclaim Policy (Pros)

National Young India Mediclaim Policy
  • Room Rent Cover
  • Day Care Procedure
  • AYUSH Treatment

National Young India Mediclaim Policy (Cons)

National Young India Mediclaim Policy
  • Morbid Obesity Treatment
  • Illegal Activites
  • Adventure Sports

National Young India Mediclaim Policy (Other Benefits)

National Young India Mediclaim Policy
  • Cumulative Bonus
  • Wellness Discount
  • Long Term Discount

National Young India Mediclaim Policy (Eligibility Criteria)

National Young India Mediclaim Policy
  • Min entry age: 18 Years
  • Max entry age: 43 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 10 L

Group Health Insurance

Buying individual health insurance may seem hectic for some of us, as the monthly premiums might be a pain for our pockets. Here comes the contributio...

Unique Features

  • Coverage for modern treatment
  • Covers HIV/AIDS treatment
  • Covers 140+ daycare procedures

National Insurance Group Mediclaim Policy (Pros)

National Insurance Group Mediclaim Policy
  • 140+ daycare procedure
  • HIV cover
  • Affordable premiums
  • AYUSH cover

National Insurance Group Mediclaim Policy (Cons)

National Insurance Group Mediclaim Policy
  • Treatment outside India
  • OPD diagnostic
  • Adventure sport injuries
  • Injuries due to illegal activity

National Insurance Group Mediclaim Policy (Other Benefits)

National Insurance Group Mediclaim Policy
  • Co-pay discounts available
  • PED cover
  • 30 day pre-hospitalisation
  • Modern treatment

National Insurance Group Mediclaim Policy (Eligibility Criteria)

National Insurance Group Mediclaim Policy
  • Entry age- 3 Months
  • Max entry age- N/A
  • SI- 50K to 10 L
  • Waiting Period- 30 days

Accident Health Insurance

You can buy the National Insurance personal accident plan on an individual or family floater basis that acts as a standalone policy. This policy is de...

Unique Features

  • PPD/ PTD & TTD cover
  • Accidental death coverage
  • Assured death payout

National Personal Accident Policy (Pros)

National Personal Accident Policy
  • 100% accidental death payout
  • PTD benefit
  • PPD benefit
  • TTD benefit

National Personal Accident Policy (Cons)

National Personal Accident Policy
  • PEDs not cover
  • Adventure sports not covered
  • Vaccination not covered

National Personal Accident Policy (Other Benefits)

National Personal Accident Policy
  • Mortal remains portability
  • Death coverage benefits
  • Loss of organ cover
  • Educational fund

National Personal Accident Policy (Eligibility Criteria)

National Personal Accident Policy
  • Entry age: 5-70 years
  • SI: Upto INR 10 lakh
  • Policy tenure: 1 year
  • Waiting period: None

Individual and Family Health Insurance

National Medicliam Plus Policy is a high sum insured policy that indemnifies for In-patient treatment expenses and 140+ Day Care Procedures/surgeries,...

Unique Features

  • National Mediclaim Plus features
  • Learn about the eligibility criteria
  • Exclusions & claim process

National Mediclaim Plus Policy (Pros)

National Mediclaim Plus Policy
  • 12 modern treatment covered
  • Maternity covered
  • Lifelong renewability

National Mediclaim Plus Policy (Cons)

National Mediclaim Plus Policy
  • Pre-existing diseases
  • Treatment outside India
  • Adventure sports injury

National Mediclaim Plus Policy (Other Benefits)

National Mediclaim Plus Policy
  • COVID vaccination
  • Air ambulance
  • Hospital cash benefit

National Mediclaim Plus Policy (Eligibility Criteria)

National Mediclaim Plus Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

Individual and Family Health Insurance

National Insurance Mediclaim Policy is a traditional health insurance plan that provides comprehensive coverage to the policyholders. This plan was la...

Unique Features

  • National Mediclaim plan features and benefits
  • Eligibility criteria
  • Easy claim process

National Mediclaim Policy (Pros)

National Mediclaim Policy
  • All-Inclusive Coverage
  • Maternity Benefits
  • No Claim Bonus

National Mediclaim Policy (Cons)

National Mediclaim Policy
  • Cosmetic Surgery
  • IVF
  • Dental Treatment

National Mediclaim Policy (Other Benefits)

National Mediclaim Policy
  • Tax Benefits
  • Avail 10% Discount
  • Health Incentives

National Mediclaim Policy (Eligibility Criteria)

National Mediclaim Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 10 L

Individual and Family Health Insurance

National Parivar Mediclaim Policy aims to encourage the protection of the whole family on a single sum insured. This is a family floater plan that pro...

Unique Features

  • Explore the plan’s key features
  • Find out the eligibility criteria
  • Learn its benefits & exclusions

National Parivar Mediclaim Policy (Pros)

National Parivar Mediclaim Policy
  • Infertility treatment cover
  • Vaccination covered
  • Ambulance covered
  • Cataract covered

National Parivar Mediclaim Policy (Cons)

National Parivar Mediclaim Policy
  • Treatment outside India
  • OPD diagnosis
  • Adventure sports

National Parivar Mediclaim Policy (Other Benefits)

National Parivar Mediclaim Policy
  • AYUSH cover
  • No co-pay
  • Vaccination

National Parivar Mediclaim Policy (Eligibility Criteria)

National Parivar Mediclaim Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 10 L

Individual and Family Health Insurance

National Arogya Sanjeevani Policy is a standard indemnity health insurance product from National Health Insurance Company, having Sum Insured up to 10...

Unique Features

  • Understand the plan features
  • Learn about its eligibility criteria
  • Know more about its exclusions

National Arogya Sanjeevani Policy (Pros)

National Arogya Sanjeevani Policy
  • Online purchase dicount
  • EMI facility available
  • High SI
  • Affordable premium

National Arogya Sanjeevani Policy (Cons)

National Arogya Sanjeevani Policy
  • Treatment outside India
  • OPD diagnostics
  • Adventure sport injuries
  • Injury due to illegal activities

National Arogya Sanjeevani Policy (Other Benefits)

National Arogya Sanjeevani Policy
  • Enhanced limits for room rent
  • Avail online discounts
  • Change sum insured
  • Lifelong renewal

National Arogya Sanjeevani Policy (Eligibility Criteria)

National Arogya Sanjeevani Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

Critical Illness Health Insurance

The deadly virus called 'COVID-19' has proved to be an eye-opener for all of us in understanding the importance of protecting our family's health. Eve...

Unique Features

  • Corona Kavach features and benefits
  • Eligibility requirements
  • Buying process of the plan

National Corona Kavach Policy (Pros)

National Corona Kavach Policy
  • Covers spouse and children
  • Home care treatment
  • No sub-limit

National Corona Kavach Policy (Cons)

National Corona Kavach Policy
  • Treatment outside India
  • OPD diagnosis
  • Injury due to illegal activity

National Corona Kavach Policy (Other Benefits)

National Corona Kavach Policy
  • 15 day pre hospitalisation
  • Discount available
  • Tax benefit

National Corona Kavach Policy (Eligibility Criteria)

National Corona Kavach Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 5 L

Top Up and Super Top Up

National Super Top Up Mediclaim Policy is a high threshold health insurance product, covering the members of a family under a single sum insured on fl...

Unique Features

  • Super Top-up Mediclaim features and benefits
  • Eligibility criteria
  • Modern treatment cover

Super Top-up Mediclaim Policy (Pros)

Super Top-up Mediclaim Policy
  • Organ donation covered
  • Morbid obesity treatment covered
  • Portability allowed
  • High SI

Super Top-up Mediclaim Policy (Cons)

Super Top-up Mediclaim Policy
  • Treatment outside India
  • OPD diagnosis
  • Adventure sport injuries

Super Top-up Mediclaim Policy (Other Benefits)

Super Top-up Mediclaim Policy
  • Affordable premiums
  • Tax benefits
  • HIV/AIDS cover

Super Top-up Mediclaim Policy (Eligibility Criteria)

Super Top-up Mediclaim Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 20 L

Senior Citizen Health Insurance

National Senior Citizen Mediclaim Policy is a plan especially designed and launched for senior citizens, allowing them to live a relaxed life post-re...

Unique Features

  • Plan options available
  • Domiciliary hospitalization
  • Modern treatments

National Senior Citizen Policy (Pros)

National Senior Citizen Policy
  • Reinstatement of Sum Insured
  • Cataract
  • Ambulance Cover

National Senior Citizen Policy (Cons)

National Senior Citizen Policy
  • Obesity
  • Adventure Sports
  • Illegal Activities

National Senior Citizen Policy (Other Benefits)

National Senior Citizen Policy
  • Hospital Cash
  • Doctor’s Home Visit
  • Funeral Expenses

National Senior Citizen Policy (Eligibility Criteria)

National Senior Citizen Policy
  • Min entry age: 60 Years
  • Max entry age: 80 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 10 L

National Senior Citizen Policy: FAQs

1. What is the entry age for the National Senior Citizen Health plan?

The entry age is 65 years.

2. What is the minimum sum insured available under the National Senior Citizen Health plan?

You can avail of INR 1 Lakh under the National Senior citizen health plan.

3. What is the maximum sum insured option under the National Senior Citizen Health plan?

The maximum sum insured under the National Senior Citizen health plan is INR 10 Lakhs.

4. Is there a waiting period under the National Senior Citizen health plan?

Yes, an initial waiting period of 30 days is applicable under the National Senior Citizen health plan.

5. Is the National Senior Citizen health plan customizable?

Yes, it is as you can opt between 2 plan options under the National Senior Citizen health plan.

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Himanshu Kumar

Written By: Naval Goel

Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.