Useful Information

New India

TPA Information

Senior Citizen Mediclaim Policy

Synopsis:

Senior Citizen Mediclaim Policy covers any senior citizen resident in India aged between 60 and 80 yrs for Hospitalization expenses incurred for the treatment of illness/injury.

Highlight:

  • Pre-existing diseases are covered after 18 months of continuous insurance.
  • Pre-Acceptance Health Check up required for the Age group of 60 years and above.
  • Tax rebate available as per provision of Income Tax Rules under section 80-D
  • Get voluntary excess of 10% which is subjected to Rs. 10,000.
  • Ayush expenses incurred for homeopathic/Ayurvedic/unani are available up to 25% of the sum insured.
  • Can be renewed till the age of 90 Years.

Benefit:

Title
Description
Room Rent Limit
Up to 1% of Sum Insured per day - Overall limit: 25% of the Sum Insured.
ICU Daily Rent Limit
Up to 2% of Sum Insured per day - Overall limit: 25% of the Sum Insured.
Pre-Hospitalization Expenses
up to 30 days, subject to maximum 5% of hospital bill.
Post Hospitalization Expenses
up to 60 days, subject to maximum of 10% of hospital bill.
Minimum Hospitalization Period
24 Hrs
Pre-Existing Disease / Illness coverage
After 18 months
Waiting Period for New Policy
30 Days
Ambulance Expenses
Covered, subject to a maximum of Rs.1000
Non-Allopathic Treatments
25% of the sum insured
Donor Expenses
Covered
No Claim Bonus
5% for each claim free year subject to maximum of 30%