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Senior Citizen Mediclaim Policy

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Who can take this Policy?

Any senior citizen resident in India and aged between 60 and 80. If renewed without a break, the cover can be continued up to age 90.

Pre-acceptance Health Check Up: Proposers must undergo a prescribed pre-acceptance health check at their own cost to identify pre-existing diseases. The health check is waived if the proposer is already having Mediclaim insurance in continuity with our Company.

What is Covered?

The policy covers:

  • Hospitalization expenses incurred for the treatment of illness/injury.
  • Pre- and post-hospitalization expenses up to 30 and 60 days respectively.
  • Ambulance Charges.
  • Limited cover for hospitalizations in government and /or registered Ayurvedic/Homeopathic and Unani hospitals.

Pre-existing diseases are covered only after 18 months of continuous insurance with our Company.

Pre-existing conditions like Hypertension, Diabetes mellitus and its complications are covered after 18 months of continuous insurance but only on payment of additional premium.

Some Important Exclusions

  • Diseases contracted within 30 days of insurance.
  • Dental treatment except treatment arising out of accident.
  • Debility and General Run Down Conditions.
  • Sexually transmitted diseases and HIV (AIDS).
  • Cosmetic surgery.
  • Vaccination and Inoculation.
  • Pregnancy and child birth.
  • War, Act of foreign enemy, ionising radiation and nuclear weapon.

Sum Insured: Rs. 1.0 lac and/or Rs 1.5 lac.


Premium (in Rs.)
Sum Insured (in Rs.) 60-65 years 66-70 years 71-75 years 76-80 years
1,00,000 3850 4250 4700 5150
1,50,000 5720 6310 6980 7650

Loading for renewal between age of 81-85 years -- 10%

Loading for renewal between age of 86- 90 years -- 20%

Additional premium to cover pre-existing conditions of Hypertension, Diabetes mellitus from the inception of policy - 10% of basic premium for each condition.


  • 10% for voluntary excess of Rs.10,000/-.
  • 10% Family Discount in case spouse is also covered.

Special Features of the Policy

  • Reimbursement of cost of Health Check once in block of 4 claims-free years.
  • Income Tax Benefit under Section 80D of IT Act.

How to Claim?

Claims are administered by Third Party Administrator (TPA). Claims can be paid directly to the hospital or as reimbursement, at the insured's option.

For more details please contact our nearest Office.

Information Furnished in Compliance to CIC Order in Case No. CIC/AT/A/2009/000268 Dated 11.06.2009 (New / Revised) (100 KB) PDF File Opens in a new window

Note: Policy details given are indicative, not exhaustive. Please contact your nearest NIA office for further details.

List of Hospitals (PPN) for Cashless facility through TPA.

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