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National Senior Citizen Mediclaim Health Insurance Wordings

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Highlights
Claim SettlementDedicated Team
Claim Settlement Ratio83.78%
COVID-19 CoverYes
Network Hospitals6,000+
Policies Sold17,25,290
RenewabilityLifelong

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National Health Insurance Plan List

    Name of PlanSum Insured
    National Mediclaim Plus Min: 3 Months; Max: 75 Years2 Lakh Get Quotes Now
    Corona Kavach PolicyMin: 1 Day; Max: 65 Years50,000 - 5 lakh Get Quotes Now
    Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Get Quotes Now
    Parivar Mediclaim Policy for FamilyMin: 18 Years; Max: 65 Years2 Lakh Get Quotes Now
    National Parivar Mediclaim Plus PolicyMin: 3 Months; Max: 65 Years6 Lakh Get Quotes Now
    National Parivar MediclaimMin: 3 Months; Max: 65 Years1 Lakh Get Quotes Now
    National MediclaimMin: 3 Months; Max: 65 Years50 Thousand Get Quotes Now

    National Health Insurance Top Up List

      Name of PlanSum Insured
      National Super Top-up Mediclaim PolicyMin: 3 months; Max: 65 years Get Quotes Now

      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

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