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.

National Varistha Mediclaim Health Insurance Wordings

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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

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National Varistha Mediclaim Policy Brochure

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Jul 24, 2019

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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

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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.

View More Questions

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