• Varistha Mediclaim Policy for Senior Citizens

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Responsiveness

    National Varistha Mediclaim for Senior citizens is specifically designed to meet the needs of senior citizens. The policy covers certain critical illness, injury and accidental injury.

    Features & Benefits of Varistha Mediclaim Policy for Senior Citizens:

    Entry Age 60 years – 80 years
    Policy Period 1 year
    Renewability Policy can be renewed till the insured is 90 years of age.
    Basis Covers only the individual.
    Sum Insured Rs.1,00,000 for hospitalisation and Rs.2,00,000 for Critical illness cover.
    Plan Benefits
    • Cumulative Bonus and cost of health Check-up is available on claim-free years.
    • 1% of the sum insured is paid as hospitalisation expenses.
    • Fees of surgeon, anaesthetist, medical practioner, consultants, specialists etc. is covered till 25% of the sum insured.
    • 50% of the sum insured covers:
    • Cost of medicine
    • Drugs
    • Blood
    • Oxygen
    • Diagnostic charges, etc.
    • Emergency ambulance charges up to Rs.1,000 is covered per policy year.
    • Till a certain limit as specified, the treatment of cataract, benign prostatic hyperplasia and organ transplant are covered.
    • Critical Illness like cancer, stroke, multiple sclerosis etc. are paid for even without being hospitalised.
    • Pre hospitalisation expenses incurred 30 days before being hospitalised, are covered.
    • Post hospitalisation expenses up to 60 days are covered.
    • Conditions like diabetes and hypertension that were existing while taking the policy will be covered from the inception on paying an additional premium.
    Tax Benefit The premiums paid up to Rs.15,000 on the policy is allowed as deductions every year under the Section 80D of the Income Tax Act. The exemption for senior citizen is Rs.20,000.
    Exclusion
    • Treatment incurred in the first 30 days of the policy commencement is not covered.
    • First year exclusions are:
    • Joint replacement
    • Cataract
    • Benign prostatic hypertrophy
    • Hernia
    • Fistula
    • Piles
    • Hydrocele
    • Congenital internal disease
    • Pilonidal sinus
    • Sinusitis
    • Stone disease
    • Benign lumps or growth in any part of the body
    • Surgical treatment of tonsils
    • Adenoids and deviated nasal septums.
    • Vaccinations of any kind.
    • Cost of dental treatment and surgery and spectacles are not covered.
    • Purely diagnostic diseases are not covered.
    • Conditions caused by war or nuclear weapons are excluded.
    • Expenses arising from intentional self-injury, drug and alcohol abuse are not covered.
    • Cosmetic treatment are excluded.
    • Medical expenses arising from HIV, AIDS and related diseases are not covered.
    • Unless prescribed by the doctor, vitamin and tonic intake are excluded.
    • Naturopathy treatment costs are excluded.
    • Pregnancy, miscarriage, abortion or other child-birth related conditions are not covered.
    • If the insured is a smoker smoking more than 40 cigarettes in a day, no claim will be paid out.
    • Other exclusions are:
    • Rest cure
    • Convalescence
    • General debility
    • Congenital external diseases or defects or anomalies
    • Sterility
    • Venereal diseases.

    Certain critical illnesses are covered under this health insurance policy. The claims are paid even if the insured wasn’t hospitalised. The insured can also avail cumulative bonus on the claim free years. The policy can be renewed till the insured is 90 years of age which helps the senior citizens to have a security for their health.

    Disclaimer: Please read and check the details of the policy to see if it meets all your requirements.

    Other Health Insurance Plans from National Insurance:

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    Varistha Mediclaim Policy for Senior Citizens Reviews

  • Page 1 of 15 1 2 3 4 5
    • National Insurance Health Insurance
      "Good facilities"
      0.5 4.0/5 "Great!"
      My company has provided a corporate health insurance from National insurance. I have a coverage for five lakhs and the policy is for my family and I. They have also provided the insurance card and there are good facilities offered, though I have not used it till date.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 30, 2018
    • National Insurance Health Insurance
      "Average Service"
      0.5 2.0/5 "Expected more"
      I've a very bad claim experience with the national insurance company. They need to improve the way how hey respond to the claim request of their customer. Somehow finally I managed get the claim amount but it was tedious task to follow up with them regarding the claim.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 26, 2018
    • National Insurance Health Insurance
      "Claim experince was really good"
      0.5 5.0/5 "Blown Away!"
      I hold a health insurance with National insurance and the total policy coverage is for 3.5 lakhs including my family. There was a claim experience for my family and the experience was really good. The service from there end was really good.
      Was this review helpful? 0
      , kochi
      Reviewed on May 25, 2018
    • National Insurance Health Insurance
      "Good medical policy"
      0.5 5.0/5 "Blown Away!"
      I have the medicare health insurance policy from the NATIONAL INSURANCE for the past 7years. The customer support service and the response is good from the national . This policy covers 3member in my family. This policy ha the medical coverage up to Rs,2,00,000 per year. I can claim up to Rs,6000 per year per head,
      Was this review helpful? 0
      , kolkata
      Reviewed on May 21, 2018
    • National Insurance Health Insurance
      "Below average service"
      0.5 2.0/5 "Expected more"
      I got the mediclaim health insurance policy from the NATIONAL INSURANCE company around 2 years ago. The customer support service and the response is good from the NATIONAL INSURANCE but while it comes to claim experience they are not up to the mark . I have the medical claim up to Rs,2,00,000, but they are taking too much time to settle the claim amount. The process need to be quick and fast from the NATIONAL INSURANCE health insurance policy.
      Was this review helpful? 0
      , nasik
      Reviewed on May 21, 2018
    • National Insurance Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a health insurance policy with National Insurance from last 10 years, i am happy with the coverage value of this insurance policy. A premium of Rs 1400 has to be paid for this insurance policy. My claim experience was good and they covered 100% and the coverage amount is up to Rs 1 lakh
      Was this review helpful? 0
      , delhi
      Reviewed on May 17, 2018
    • National Insurance Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with National insurance from last 5 years, i am not aware of the premium amount as my company pays it. My claim experience was very good and there was no cashless treatment as the hospital was not listed. I have a coverage value of Rs 5 lakhs for this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 11, 2018
    • National Insurance Health Insurance
      "Health insurance with National insurance"
      0.5 3.0/5 "Satisfactory"
      I hold a Corporate health insurance from National insurance. The policy coverage will be for 3 lakhs rupees. This policy have the coverage for my family as well. There is no claim experience till now. They do have cashless and reimbursement facility.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 25, 2018
    • National Insurance Health Insurance
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I have got the health insurance policy from the NATIONAL INSURANCE company around 8 months ago and this policy has been offered by company. This policy covers 3 members in my family which is myself , and my parents. This policy has the medical coverage up to Rs,20,00,000 and I paying the premium amount of Rs,320 every month.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 16, 2018
    • National Insurance Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance with National insurance from last 4 years, i am not aware of the premium amount as my company pays it. I do not have claim experience so far with this insurance and i have a coverage value of Rs 3-4 lakhs which is satisfactory.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 10, 2018
    • National Insurance Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a health insurance policy with National insurance from last 2 years and it is a good policy to use. I pay a premium of Rs 17000 which has to be renewed every year for this insurance. I do not have claim experience so far with this insurance and the coverage value for this insurance is Rs 2 lakhs.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Apr 06, 2018
    • National Insurance Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance with National Insurance from last 2.5 years and it is a good insurance policy to use. I am not aware of the premium amount as it is covered by the organization.I do not have claim experience and i have not taken any cashless treatment so far. I have a coverage of Rs 2 lakhs and i am satisfied with it.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 14, 2018
    • National Insurance Health Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I took my health insurance with National Insurance through an agent. The policy coverage was 5L which covers the entire family. The customer service was not good. They don't respond properly. I don't have any claim experience. I am paying 11,000 rupees yearly through cheque.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 13, 2018
    • National Insurance Health Insurance
      "Decent insurer"
      0.5 4.0/5 "Great!"
      I took my health insurance in National Insurance for last 3 years. As of now I don't have any claim experience. The policy was taken through family agent. The premium was decent and good compared to others. The policy coverage was 5L for the entire family. They have a good network of hospitals for the cashless treatment.
      Was this review helpful? 0
      , faridabad
      Reviewed on Mar 10, 2018
    • National Insurance Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken Health Insuarnce with National Insurance.I don't pay any premium as its paid by the company. The policy is including the family members.They cover ten lakhs.The procedure was completed in a day.The insurance company is tied up with best hospitals in my place.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 10, 2018
    • National Insurance Health Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have taken a health insurance from National Insurance. It was recommended by colleague. I have paid nearly 4000 to 5000 rupees. The policy covers only for me and its a plan of 3L. They have signification number of hospitalization for the cashless in my city.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 09, 2018
    • National Insurance Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken Health Insurance with National Insurance,the premium amount is 1600 debited from my salary account.The policy coverage amount is including family members is five lakhs.I have taken this policy last eight years ago.I have claim experience its 100% covered cash less treatments.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 26, 2018
    • National Insurance Health Insurance
      "Its good health coverage policy"
      0.5 5.0/5 "Blown Away!"
      National has good hospital facility, they are recommending high profile hospitals with cash less treatment. I make premium around Rs. 4500 per year. Its covers only for me. Medical sum assured Rs. 1.5 lakh, I hope they are providing pre existing disease as well.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 20, 2018
    • National Insurance Health Insurance
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am having the health insurance policy with the National Insurance company. I used to talk with them very often and the claim went in easy manner. Everything went in the good aspects with them till now.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 17, 2018
    • National Insurance Health Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance with national insurance from last 2 months and it is a good insurance policy. I pay a premium of Rs 170 on monthly basis. I do not have claim experience so far and i have not taken any cashless treatment. I have a coverage of Rs 3 lakhs which is satisfactory.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 13, 2018
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