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National Insurance Varishtha Mediclaim for Senior Citizens

Entry Age (years)  
Minimum 60
Maximum 80
Maximum Policy Renewal Age (years) 90
Coverage Type Individual
Sum Insured (Rs) 100000 and Rs 200000 for critical illness
Policy Term (years) 1
No Claim Bonus Insured person can either opt for a premium discount of 5% for each claim free year till it reaches 50% or select to increase the sum insured by the amount of cumulative bonus at the time of renewal
Pre Policy Medical Check Up Not required if insured was covered under any health insurance for preceding three years. Required for others
Co Payment Clause Insured has to compulsorily bear 10% of all admissible claims. Insured may also opt for 2% co-payment which will entitle him for a premium discount of 10%.
An additional co-payment of 10% of admissible claim would be required in case claim arises out of a pre-existing disease
Customer Service  
Address Head Office: National Insurance Company Limited
3 Middleton Street
West Bengal
Pincode : 700071
Mail to [email protected]
Call to 1800 419 4033
Scope Of Cover
Cashless facilityavailable if treatment availed in a network hospital
Reimbursement facilityavailable if treatment availed in a non-network hospital
Pre and post hospitalisationmedical expenses incurred during 30 days prior to hospitalisation and 60 days after discharge from hospital will be covered
Section I
Hospitalisation expensescovered
Room, Boarding expenses as provided by the Hospital/Nursing Homecovered upto 1% of Sum Insured per day. Cover increases to 2% if admitted to ICU. Overall limit is 25% of Sum Insured per illness
Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialists Fees, Nursing Expensescovered upto maximum of 25% of Sum Insured per illness
Anesthesia, Blood, Oxygen, OT charges, Surgical appliances (any disposable surgical consumables subject to upper limit of 7% of Sum Insured), Medicines, drugs, Diagnostic material & X-Ray, Dialysis, Chemotherapy, Radiotherapy, cost of pacemaker, artificial limbs, Cost of stent & implantscovered upto maximum of 50% of Sum Insured per illness
Domiciliary treatmentcovered upto 20% of basic sum insured
Ambulance chargescovered upto Rs 1000 in a policy year
Cost of health check upreimburses the amount upto maximum of 2% of average sum insured once after a block of 3 continuous claim free years
Pre-existing Diabetes and Hypertensioncovered from inception of the policy
Section II
Critical Illnesses
Coronary Artery Surgerycovered
Renal Failure i.e. Failure for both kidneyscovered
Multiple Sclerosiscovered
Major Organ Transplants like kidney, Lung, Pancreas or Bone marrowcovered
Paralysis and blindness at extra premiumrequires additional premium equal to 15% in each case or 25% in case of both covers together
Exclusions and Waiting Period
Pre-existing illnessescovered after 1 policy year from inception of the policy
No claim period30 days for general cover and 90 days in case of Critical Illness from commencement of the policy
Waiting periodCertain disorders and surgeries such as cataract, hernia, Piles etc. will be covered after first policy year