Network hospitals
3000+
Incurred claim ratio
102.35%
Sum insured
Up to 50 Lakh
No. of Plans
13
Solvency Ratio
0.3
Pan India Presence
1730
Network hospitals
3000+
Incurred claim ratio
102.35%
Sum insured
Up to 50 Lakh
No. of Plans
13
Solvency Ratio
0.3
Pan India Presence
1730
National Senior Citizen Mediclaim Policy is a plan especially designed and launched for the 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
Children Entry Age
Minimum: 18 Years
Adult Entry Age
Maximum: 65 Years
Sum Insured
1 L | 2 L | 3 L | 4 L | 5 L | 6 L | 7 L | 8 L | 9 L | 10 L
Plan Type
Individual/ Family Floater
Policy Term
1 Year
Initial Waiting Period
30 Days*
*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.
With comprehensive coverage options, National Senior Citizen Mediclaim Health Insurance plan lets you customize your health insurance plan as per your requirements:
In-patient & Out-patient coverage
Room Rent
Covered up to 1% of SI
ICU Charges
Covered up to 2% of SI
Pre-Hospitalization
Covered up to 30 days
Post-Hospitalization
Covered up to 60 days
Domiciliary Hospitalization
Covered Up to 20% of the SI
Daycare Treatment
140 day care procedures covered
OPD Charges
Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Covered up to 15% of SI
No Claim Bonus
Available, Up to 50% of SI
Automatic Restoration
Not Applicable
Daily Hospital Cash
Not Available
Organ Donor
Covered Up to SI
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Covered Up to SI
IVF Treatment
Not Covered
Modern Treatment
Covered Up to 25% of SI
Emergency Coverage
Ambulance
Covered Up to INR 2,500
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
Wellness Programmes
E-Consultation
Not Available
Health Check-Up
Covered up to 2 % of the average SI
Second Medical Opinion
Not Available
Vaccination
Not Available
Limitations
Co-payment
Applicable, 10% co-pay on all claims
Sub-limits
Applicable
In-patient & Out-patient coverage
Room Rent
Covered up to 2% of SI
ICU Charges
Covered up to 4% of SI
Pre-Hospitalization
Covered up to 30 days
Post-Hospitalization
Covered up to 60 days
Domiciliary Hospitalization
Covered Up to 20% of the SI
Daycare Treatment
140 day care procedures covered
OPD Charges
Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Covered Cataract - Actual
No Claim Bonus
Available, Up to 50% of SI
Automatic Restoration
Not Applicable
Daily Hospital Cash
Covered, INR 500/- per day
Organ Donor
Covered Up to SI
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Covered Up to SI
IVF Treatment
Not Covered
Modern Treatment
Covered Up to 25% of SI
Emergency Coverage
Ambulance
Covered Up to INR 2,500
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
Wellness Programmes
E-Consultation
Not Available
Health Check-Up
Covered up to INR 1,000
Second Medical Opinion
Not Available
Vaccination
Not Available
Limitations
Co-payment
Applicable, 10% co-pay on all claims
Sub-limits
Applicable
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Coverage status under the National Senior Citizen Mediclaim Plan?
Under National Senior Citizen Mediclaim Plan, the room rent is
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under the National Senior Citizen Mediclaim Plan?
Under National Senior Citizen Mediclaim Plan, ICU charges are covered as follows:
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under the National Senior Citizen Mediclaim Plan?
This plan covers medical expenses incurred during pre-hospitalization for up to 30 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under the National Senior Citizen Mediclaim Plan?
This plan covers medical expenses incurred during post-hospitalization for up to 60 days.
Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under the National Senior Citizen Mediclaim Plan?
Under the National Senior Citizen Mediclaim Plan, domiciliary hospitalization is covered by Up to 20% of the SI.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under the National Senior Citizen Mediclaim Plan?
This plan covers the expenses of 140 day care procedures.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.
Coverage status under the National Senior Citizen Mediclaim Plan?
This plan covers OPD charges.
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved Centre.
Coverage status under the National Senior Citizen Mediclaim Plan?
Covid-19 Covered.
A common eye condition in which your vision gets blurred.
Coverage status under the National Senior Citizen Mediclaim Plan?
The plan covers Cataract treatment as follows:
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under the National Senior Citizen Mediclaim Plan?
The cumulative Bonus is available up to 50% of SI.
Automatic restoration is a benefit in which an insurance company restores the sum insured amount entirely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under the National Senior Citizen Mediclaim Plan?
Not Applicable
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under the National Senior Citizen Mediclaim Plan?
The daily hospital cash is available under Plan B. INR 500/- per day for 5 days (in excess 3 days).
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under the National Senior Citizen Mediclaim Plan?
Under the plan, Organ Donor expenses are covered up to SI.
It refers to the cover that includes expenses for normal and c-section procedure deliveries.
Coverage status under the National Senior Citizen Mediclaim Plan?
Under the plan Maternity expense is not covered.
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Coverage status under the National Senior Citizen Mediclaim Plan?
Not Covered
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under the National Senior Citizen Mediclaim Plan?
Under National Senior Citizen Mediclaim Policy AYUSH treatment is covered up to SI.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under the National Senior Citizen Mediclaim Plan?
Not available.
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under the National Senior Citizen Mediclaim Plan?
Under National Senior Citizen MediclaimPolicy modern treatments are covered up to 25% of SI.
An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.
Coverage status under the National Senior Citizen Mediclaim Plan?
Available up to INR 2500 per policy period.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under the National Senior Citizen Mediclaim Plan?
Not Covered.
Refers to the traveling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.
Coverage status under the National Senior Citizen Mediclaim Plan?
Not available
Any kind of medical/health emergency when you are outside of India.
Coverage status under the National Senior Citizen Mediclaim Plan?
Not available
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under the National Senior Citizen Mediclaim Plan?
The plan does not cover the expenses for e-consultation.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.
Coverage status under the National Senior Citizen Mediclaim Plan?
Under National Senior Citizen Mediclaim Health Plan, health checkup is available as follows:
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.
Coverage status under the National Senior Citizen Mediclaim Plan?
Not Covered.
The insurance companies provide coverage against the expenses incurred on vaccinations.
Coverage status under the National Senior Citizen Mediclaim Plan?
The plan does not cover vaccination expenses.
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Status under National Senior Citizen Mediclaim Plan?
Applicable, 10% co-pay on all claims.
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.
Status under National Senior Citizen Mediclaim Plan?
Applicable,
Covered up to 15% of SI under Plan A
Covered up to actual expense under Plan B
Permanent diseases or health conditions that are not included under National Senior Citizen Mediclaim Policy are:
Hospitalization out of war, riot, strike, and nuclear weapons
Intentional self-injury
AIDS
Miscarriage, and abortion
Congenital disease
Infertility and in vitro fertilization
Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
Listed ailments after 90 days / 1/ 2 / 4 years
Pre-existing diseases after 24 Months
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.
Sum Insured (in Rs.) | 1 Lakh | 4 Lakhs | 8 Lakhs | 10 Lakhs |
Premium Payable | 7,313 | 16,456 | 30,809 | 33,360 |
Sum Insured (in Rs.) | 1 Lakh | 4 Lakhs | 8 Lakhs | 10 Lakhs |
Premium Payable | 10,419 | 23,443 | 43,893 | 47,526 |
National Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.
Standard
If you are looking for a policy that covers you for In-patient treatment expenses and 140+ Day Care Procedures then this plan is the right choice.
Unique Features
Comprehensive
This plan suits you best if you are a newly married individual or have dependents like kids or elderly parents as this health plan covers all of them along with you.
Unique Features
Family Floater
An affordable health plan, that offers 140+ day care procedures and covers pre-existing conditions like diabetes and hypertension.
Unique Features
Family Floater
If you are looking for a healthcare policy providing a high sum assured and covers your family members under one cover this is the right policy for you.
Unique Features
Standard
Standard indemnity health insurance product, having Sum Insured up to 10 Lakhs available in both individuals and floater type.
Unique Features
Super Top-up
This policy covers your family members and offers high coverage at affordable prices.
Unique Features
Comprehensive
A versatile health insurance policy available on an individual and family floater basis offering various optional covers.
Unique Features
Global Coverage
This plan is essential for those who like to travel, a package policy that covers travel emergencies while traveling abroad.
Unique Features
Global Coverage
A plan beneficial for students who are traveling abroad for education, it is designed to cover medical evacuation, illness, and more.
Unique Features
Critical Illness
A unique benefit policy that covers expenses in the event of the insured person being affected with any of the listed critical illnesses.
Unique Features
Student Specific
Mediclaim for Students is a unique policy designed to provide health and personal accident cover to students.
Unique Features
COVID-19
This policy focuses on protecting the policyholders against the treatment expenses resulting due to COVID-19 infection.
Unique Features
Disability Plan
An indemnity health insurance designed for people falling under the category of disabled, affected with HIV/AIDS, and mental illnesses.
Unique Features
Group Health Plan
It is a group indemnity health insurance plan designed to address the basic health insurance needs of employees.
Unique Features
Accident Policy
This policy is designed to cater to high-risk professionals categorized as the normal, medium, and heavy occupational risk of the person.
Unique Features
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