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National Senior Citizen Mediclaim Policy is a plan designed for senior citizens, allowing them to live a relaxed life post-retirement. It covers expenses for in-patient treatment (allopathy, ayurveda, and homeopathy), domiciliary hospitalization, and treatment of a disease or injury during the policy period.
The policy offers a sum insured up to INR 10 Lakh under both Individual and Floater Basis for two plans: Plan A and Plan B. Plan B includes additional features like hospital cash, reinstatement of sum insured, no sub-limits for room rent, and funeral expenses.
This versatile plan offers modern treatments, HIV and mental illness coverage, treatment for morbid obesity, hospital cash, lifelong renewability, and more.
| PLAN DETAILS |
Senior Citizen Mediclaim Policy |
Icici Lombard Group Plan |
| Product Type | Senior Citizen Health Insurance | Group Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
3200 | 10600 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Applicable |
| Plan Entry Age | 60 to 80 Years | Min- 180 days, Max- 95 years |
| Plan Premium Entry Age and S/A | 7,313 | 1300 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | Individual/ Family Floater | Hospitalization expenses, pre and post hospitalization, daycare treatments, maternity add-on, diagnostic and surgical costs |
| Plan Sample Premium | 7,313 | 1300 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1 Year |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 91.31 | 97.16 |
| Solvency Ratio | -0.67 | 2.69 |
|
National Health Insurance ICICI Lombard Health Insurance Review |
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