Network hospitals
3200+
Incurred claim ratio
91.31%
Sum insured
Up to 2 Crores
No. of Plans
1
Solvency Ratio
0.3
Pan India Presence
850+
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.
To understand National Senior Citizen Policy Insurance in detail, take a look at the below table:
60 to 80 Years
Senior Citizen Health Insurance
1 L | 3 L | 5 L | 8 L | 9 L | 10 L
30 Days
Lifelong
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.
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:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Covered
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
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Co-payment
Covered
Sub-limits
Covered
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).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
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.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
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.
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.
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.
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.
It refers to the cover that includes expenses for normal and c-section deliveries.
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:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) 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:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
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.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
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.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
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.
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 against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
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.
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.
National Health Insurance
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 |
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
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
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....
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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...
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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...
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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...
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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
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
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
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
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
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
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
The entry age is 65 years.
You can avail of INR 1 Lakh under the National Senior citizen health plan.
The maximum sum insured under the National Senior Citizen health plan is INR 10 Lakhs.
Yes, an initial waiting period of 30 days is applicable under the National Senior Citizen health plan.
Yes, it is as you can opt between 2 plan options under the National Senior Citizen health plan.
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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.
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February 5, 2023
Asia/Kolkata
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