National Senior Citizen Mediclaim Health Insurance

National Senior Citizen Mediclaim Policy is an indemnity-based medical insurance policy especially designed for senior citizens aged between 60 years and 80 years (50 years to 80 years for the spouse if added on a family floater basis). The policy comes in two plan variants namely Plan A and Plan B, with sum insured options ranging between Rs. 1 Lakh and Rs. 10 Lakh in multiples of Rs. 1 Lakh, on individual or family floater sum insured basis. If covered under National Senior Citizen Mediclaim Policy, you can avail several coverage benefits. Some of these include in-patient treatment for allopathy, ayurveda, and homeopathy, domiciliary hospitalisation, more than 140 day care procedures, 30 days pre-hospitalisation and 60 days post-hospitalisation expenses, organ donor expenses, road ambulance expenses, correction of refractive error, etc.

National Senior Citizen Mediclaim Policy is one of the few health insurance plans that offer cover for mental illness as well. Another highlight of the policy is that it covers you for modern treatments as well, such as immunotherapies, robotic surgery, etc. If covered under the policy, you can avail portability benefits, tax benefits under Section 80D of the Income Tax Act, 1961, lifelong renewability benefit, and free look period. Kindly note that the initial waiting period under the policy is of 30 days (except for accidental injuries), after which you can start availing the coverage benefits.