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National Varistha Mediclaim Health Insurance

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

About National Varistha Mediclaim Health Insurance

The senior citizens often find it difficult to protect themselves from high treatment costs. Since they are more prone to frequently getting sick, Varistha Mediclaim for senior citizens insurance policy is the right option that safeguards them on the advanced stage of life. It is a special policy that covers senior citizens in India against hospitalisation and critical illness expenses. Senior citizens aged between 60 to 80 years can get coverage under this medical insurance policy for a tenure of one year, after which they can renew their policies on a yearly basis to stay covered. They can choose from the sum insured options of Rs. 1 Lakh and Rs. 2 Lakh to shield themselves from hospitalisation and critical illness expenses.

The policy provides several benefits that bring smile on the faces of senior citizens. Some of them are-cover for domiciliary hospitalisation, pre and post-hospitalisation cover, in-patient hospitalisation expenses, cover for room charges, ICU charges, etc. The policy is eligible for tax benefits as well. The policy offers additional coverage for pre-existing hypertension and diabetes too. However, the policyholders are required to pay an extra premium to avail this benefit.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Domiciliary hospitalisation expenses
  • Room rent expenses up to a specific limit
  • Cost of Anesthesia, Blood, Oxygen, Surgical Appliances, Drugs, etc.
  • Intensive Care Unit expenses covered up to a specific limit
  • Health check-up on every three claim-free years

What's Not Included

  • Expenses arising due to HIV or AIDS
  • First 30 days waiting period for any disease
  • Intentional self-injury, drug or alcohol abuse
  • Congenital external disease or defects or anomalies
  • Expenses arising from pregnancy or childbirth including C-section

Varistha Mediclaim Policy User Reviews

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Add-ons to Enhance Benefits

  • Critical Illness

    The policyholders can seek cover for Critical Illnesses with this add-on during their policy period. Stroke, Cancer, Kidney Failure, Major Organ or Bone Marrow Transplant etc. are included under this add-on cover, which can be purchased by paying an additional premium. Also, permanent paralysis of limbs and blindness can be added under it, if mentioned in the Schedule. 


  • Pre-existing Diseases

    National Insurance Varistha Mediclaim Policy offers cover for Diabetes and Hypertension, if pre-existing, by charging extra premium. These illnesses will be covered from the date of inception of the policy itself but will be subject to certain conditions.  


National Varistha Mediclaim Policy Expert Review

  • Expert Review

    Ageing is the major factor that affects the health and lifestyle of seniors. During old age, some diseases become more prominent, bringing a severe financial setback in the absence of adequate health insurance. This is where National Insurance’s Varistha Mediclaim Policy comes into picture. It acts as a safeguard to keep senior citizens financially strong during their golden period.  

    The Varistha Mediclaim policy works as a boon to cover expenses incurred on 8 critical illnesses as well as injuries and accident. It is loaded with benefits like inpatient treatment cover, domiciliary hospitalisation, 140 plus daycare procedures, cover for pre-existing diseases like diabetes and hypertension and much more.

  • Major Attractions

    The policy can be issued to anyone aged between 60 years and 80 years for a tenure of one year. Keeping in mind the financial condition of the seniors, National Insurance provides the Varistha Policy with different sum insured options, ranging from Rs. 1 Lakh and Rs. 2 Lakh. On the payment of extra premium, you can reap add-on benefits like critical illness cover and pre-existing disease cover. Below are some more attractions:

    • A cumulative bonus of 5% at the time of renewal
    • Reimbursement of health checkup at the end of a block of 3 continuous policy period provided no claims are made
    • Cover for critical diseases like cancer, stroke, paralysis, blindness, open chest CABG
    • The cover is also available for kidney failure, bone marrow transplant, etc.
    • Sum Insured: Rs. 1 Lakh for hospitalisation and domiciliary treatment and Rs. 2 Lakh for critical illness
    • Ambulance charges as per the policy document
    • An option of 5% discount in renewal premium up to 10 claim-free years
    • No medical screening if you are covered for continuously three years under any health insurance policy 
  • What’s More?

    With Varistha Mediclaim Policy, the policyholder can get the best treatment at world-class network hospitals across the country without spending even a single penny from his/her pocket. Not only this, the policy reimburses the expenses in case the treatment is taken in a non-network hospital. The policy also provides coverage for inpatient expenses including room charges; drugs; medicines; nursing charges; doctor’s fees; charges for OT, oxygen, anaesthesia; and so on. Here are some more benefits:

    • Lifelong policy renewability
    • 15 days free look period to cancel or continue the policy
    • A grace period of 30 days to renew the policy
    • Tax benefits under Section 80D of the Income Tax Act
    • Portability (migration) option to port to similar product
  • Conclusion

    With the features and benefits purchasing the Varistha Mediclaim Policy sounds good. It’s the right option for senior citizens in India. The policy comes with affordable premiums and better coverage. With this policy in hand, growing older is no longer something to be worried about for the medical costs.

    If you or your parents have retired from work recently, and their group health coverage have ended then get all the information about Varistha Mediclaim Policy online at InsuranceDekho. Purchasing the policy online enables you to compare a wide range of health insurance policies, get free quotes, opt for the lowest premiums and maximum coverage, and get quality customer support service.

National Varistha Mediclaim Policy Brochure

  • 360.64 KB
  • PDF Document
  • Jul 24, 2019

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.

FAQs on Varistha Mediclaim Policy Health Insurance Plan

  • What is the age criteria to be covered under this policy?

    Any senior citizen who is aged between 60 years and 80 years is eligible to be covered under this policy. However, the policy can be renewed till 90 years of age. 

  • Is it necessary to be treated in network hospitals only?

    No. But the policy provides a cashless facility for treatments only in the network hospitals. However, reimbursement facility for treatment is provided in non-network hospitals also. 


  • Does the policy provide cover for pre and post-hospitalisation expenses?

    Yes. The policy provides cover for pre and post-hospitalisation expenses for 30 days before hospitalisation and 60 days after hospitalisation.


  • Are domiciliary hospitalisation cover provided under this policy?

    Yes. National Insurance Varistha Mediclaim Policy provides cover for domiciliary treatment expenses up to 20% of the basic sum insured. 


  • What are the waiting period clauses under this policy?

    Given below are the waiting period clauses under this policy-

    • Pre-existing diseases are covered after 1 year
    • 30 days waiting period for general cover and 90 days waiting period for critical illness
    • Certain illnesses such as Piles, Cataract, Hernia, etc. are covered after the first year
  • What are the additional features of this policy?

    Following are the additional features offered by this policy-

    • 5% of No Claim Bonus up to 50% for every year a claim is not made, on renewal. This bonus can also be used to enhance the Sum Insured on renewal of the policy
    • No medical check-up is required before availing this plan if the insured covered under a health insurance plan for the last three years
    • 10% co-payment is applicable to all claims 
    • An additional co-pay of 10% is required to make claims for pre-existing diseases 
  • Does the policy provide cover for ambulance expenses?

    Yes. This policy provides cover for ambulance expenses for up to Rs. 1,000 in a policy period. 

  • How much additional premium do I have to pay if I want to include cover for paralysis and blindness under this policy?

    The customers can buy this policy in India and undergo treatment by paying 15% additional premium for either of the illness or by paying 25% for both of them.  


  • Which critical illnesses are covered under this policy?

    National Insurance Varistha Mediclaim Policy provides cover for critical illnesses such as Cancer, Renal Failure, Multiple Sclerosis, Stroke, Major Organ Transplant, Coronary Artery Surgery, etc.


  • What is the policy term for National Insurance Varistha Mediclaim Policy?

    This policy can be purchased for a period of 1 year. This means that the policy needs to be renewed every year.  



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