What is the eligibility for National Senior Citizen Mediclaim Policy if purchased on individual or family floater basis?

Senior citizens can buy National Senior Citizen Mediclaim Policy on an individual basis, if they are aged between 60 years and 80 years at inception. Also, they can buy it when self and spouse are both aged between 60 years and 80 years at the time of inception. On family floater basis, the policy can be availed for self and spouse together, where self is aged between 60 years and 80 years and spouse is aged between 50 years and 80 years at inception.

Will I get cumulative bonus if I get covered under National Senior Citizen Mediclaim Policy?

Yes. One of the renewal benefits that you can enjoy if covered under National Senior Citizen Mediclaim Policy is cumulative bonus. It will increase by 5% for every claim free year, subject to a maximum of 50% of existing sum insured. The cumulative bonus shall decrease by 5% of the sum insured, in case you make a claim during the policy period.

Is there any optional cover under the National Senior Citizen Mediclaim Policy offered by the National Insurance Company?

Yes. If covered under the National Senior Citizen Mediclaim Policy offered by the National Insurance Company, you can avail the following optional covers: Critical illness Outpatient treatment Personal accident Pre-existing hypertension and/or diabetes

What is the sum insured range offered under National Senior Citizen Mediclaim Policy offered by the National Insurance Company?

National Senior Citizen Mediclaim Policy is available for sum insured on both, i.e. individual basis and family floater basis. Plan A and B come with 10 slabs, between Rs. 1 Lakh and Rs. 10 Lakh in multiples of Rs. 1 Lakh. Whereas, Plan B comes with additional features like hospital cash, no sub-limits for room rent, reinstatement of sum insured, funeral expenses etc.

What are the waiting periods under the National Senior Citizen Mediclaim Policy offered by the National Insurance Company?

National Senior Citizen Mediclaim Policy offered by the National Insurance Company comes with the following waiting periods: Pre-existing diseases are covered after a waiting period of 2 years Initial waiting period of 30 days for any claim except accidental injuries Waiting period of 90 days/one year/two years/or four years for specific diseases

National Senior Citizen Mediclaim Health Insurance Wordings

Rate This

Highlights

Claim Settlement	Dedicated Team
Claim Settlement Ratio	83.78%
Network Hospitals	6,000+
Renewability	Lifelong
Starting Premium for 5 lac SI	Rs.586/month
Starting Premium for Rs. 5 lakhs SI	Rs. 586/month

Health Insurance Calculator

Whom do you want the insurance for ?

You

Couple

Family

Father

Mother

Enter Your Age

Where do you live ?

Enter Area Pincode

Choose required Coverage for yourself?

5 Lac

10 Lac

25 Lac

Select Coverage

Disclaimer: Actual Premium might vary basis your location, age and number of members

National Health Insurance Plan List

Family (5)
Individual (2)
Woman (4)
Parents (1)
Senior Citizen (1)
Maternity (2)
Kids (1)
Critical Illness (1)

Name of Plan	Sum Insured
National Mediclaim Plus Min: 3 Months; Max: 75 YearsPopular	2 Lakh	Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years	1 Lakh - 5 Lakh	Check Premium
Corona Kavach PolicyMin: 1 Day; Max: 65 Years	50,000 - 5 lakh	Check Premium
Parivar Mediclaim Policy for FamilyMin: 18 Years; Max: 65 Years	2 Lakh	Check Premium
National Parivar Mediclaim Plus PolicyMin: 3 Months; Max: 65 Years	6 Lakh	Check Premium
National Parivar MediclaimMin: 3 Months; Max: 65 Years	1 Lakh	Check Premium
National MediclaimMin: 3 Months; Max: 65 Years	50 Thousand	Check Premium

National Health Insurance Top Up List

Name of Plan	Sum Insured
National Super Top-up Mediclaim PolicyMin: 3 months; Max: 65 years		Check Premium

Choose National Insurance Plan for

FAQs on National Senior Citizen Mediclaim Health Insurance Plan

What is the eligibility for National Senior Citizen Mediclaim Policy if purchased on individual or family floater basis?
Senior citizens can buy National Senior Citizen Mediclaim Policy on an individual basis, if they are aged between 60 years and 80 years at inception. Also, they can buy it when self and spouse are both aged between 60 years and 80 years at the time of inception. On family floater basis, the policy can be availed for self and spouse together, where self is aged between 60 years and 80 years and spouse is aged between 50 years and 80 years at inception.
Will I get cumulative bonus if I get covered under National Senior Citizen Mediclaim Policy?
Yes. One of the renewal benefits that you can enjoy if covered under National Senior Citizen Mediclaim Policy is cumulative bonus. It will increase by 5% for every claim free year, subject to a maximum of 50% of existing sum insured. The cumulative bonus shall decrease by 5% of the sum insured, in case you make a claim during the policy period.
Is there any optional cover under the National Senior Citizen Mediclaim Policy offered by the National Insurance Company?
Yes. If covered under the National Senior Citizen Mediclaim Policy offered by the National Insurance Company, you can avail the following optional covers:

Critical illness

Outpatient treatment

Personal accident

Pre-existing hypertension and/or diabetes
What is the sum insured range offered under National Senior Citizen Mediclaim Policy offered by the National Insurance Company?
National Senior Citizen Mediclaim Policy is available for sum insured on both, i.e. individual basis and family floater basis. Plan A and B come with 10 slabs, between Rs. 1 Lakh and Rs. 10 Lakh in multiples of Rs. 1 Lakh. Whereas, Plan B comes with additional features like hospital cash, no sub-limits for room rent, reinstatement of sum insured, funeral expenses etc.
What are the waiting periods under the National Senior Citizen Mediclaim Policy offered by the National Insurance Company?
National Senior Citizen Mediclaim Policy offered by the National Insurance Company comes with the following waiting periods:

Pre-existing diseases are covered after a waiting period of 2 years

Initial waiting period of 30 days for any claim except accidental injuries

Waiting period of 90 days/one year/two years/or four years for specific diseases

Claim Process at National Health Insurance

Network Hospital
Non-Network Hospital

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
3
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
4
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 72 hours and for planned hospitalisation intimate within 72 hours prior to admission.
3
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
4
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.

National Health Insurance Contact Details

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
National Health Insurance
1800-345-033024*7
customer.relations@nic.co.in