National Senior Citizen Mediclaim Policy is an indemnity health insurance policy for the aged.
Title |
Description |
Room Rent Limit |
Plan A: 1% of SI per day subject to maximum of INR 5,000 per day | Plan B :2% of SI per day subject to maximum of INR 10,000 per day |
ICU Daily Rent Limit |
Plan A: 2% of SI per day subject to maximum of INR 10,000 per day | Plan B: 4% of SI per day subject to maximum of INR 20,000 per day |
Pre-Hospitalization Expenses |
30 days |
Post Hospitalization Expenses |
60 days |
Minimum Hospitalization Period |
24 hours |
Day Care Procedure Coverage |
140 Day Care Procedures covered |
Additional Cover for Critical Illness |
Benefit amount per individual- INR 1,00,000/ 2,00,000/ 3,00,000/ 4,00,000/ 5,00,000/ 6,00,000/ 7,00,000/8,00,000/ 9,00,000/ 10,00,000 |
Automatic Restoration of Sum Insured |
Plan A: Not Available | Plan B: Once during the Policy Period for road Traffic Accident |
Pre-Existing Disease / Illness coverage |
Covered After 24 Months of continuous coverage |
Waiting Period for New Policy |
Covered After 24 Months of continuous coverage |
Co-Payment |
Insured opting for cover for pre-existing diabetes or hypertension 10% | Insured opting for cover for pre-existing diabetes And hypertension 25% |
Free Health Checkup |
Plan A: Every 2 claim free years up to 2 % of the average SI subject to maximum INR 4000/Insured (individual basis) or per family (floater basis | Plan B: Every 6 claim free monthsup to INR 1000/Insured |
Ambulance Expenses |
Up to INR 2,500 per Illness |
Non-Allopathic Treatments |
Covers Allopathy, Ayurveda, Homeopathy treatments up to Sum Insured |
Daily Hospitalization Allowance |
Plan A: Not Available| Plan B: INR 500/- per day for 5 days (in excess 3 days) |
Donor Expenses |
Coveres Organ Donor’s Medical Expenses Medical expenses, Pre & Post-Hospitalisation expenses up to Sum Insured |
Attendant Allowance |
Plan A: Not available |Plan B: Aya, Doctor's home visit charges and nursing care during Post-Hospitalisation (per individual) INR 500/- per day for 7 days |
No Claim Bonus |
Increase by 5% of SI in respect of each claim free year of insurance. Decrease by 5% of SI for each year with claim reported |