National Senior Citizen Mediclaim Policy innumerable reasons to have a health insurance policy in place, and if you have a family to support, you can buy a National Senior Citizen Mediclaim Policy health insurance to take care of the medical needs of your family. However, the health insurance premium that one has to pay to avail a good insurance policy varies for different people, and is based on a number of different factors.It reimbursefor the Cost incurred on hospitalization, surgery treatment, major illnesses, accidental injuries, and pre-existing diseases. customer just need to renew timely his/her policy, it can cover you till the age of 80 years with lifetime renewal benefits.
National Senior Citizen Mediclaim Policy provides people needed financial support at times of medical emergencies, but it is an observed fact that till date, medical care in our nation still remains largely as an expensive affair. According to lot of reports, India still continues to have the lowest health insurance penetration in the world
Benefits of Senior Citizen Health Insurance
Fast, convenient, hassle-free claim settlement process
Cashless facility is available if the senior individual is admitted for more than 24 hours
Provides cover for doctor’s expense , medical bills, room cost, in-patient hospitalization expenses, etc.
Lifelong renewable facility is available
Provide Emergency ambulance expenses for transporting the insured shall be borne by the insurance company
Pre and Post hospitalization expenses covered
Pre-existing diseases are covered to terms mentioned in the policy document
RATE CHART
Plan A – Premium Table for Individuals / Premium Table for Senior most member (for floater policy)
SI
1,00,000
2,00,000
3,00,000
4,00,000
5,00,000
6,00,000
7,00,000
8,00,000
9,00,000
10,00,000
60-65
7,313
11,427
14,284
16,456
19,746
23,696
28,009
30,809
32,388
33,360
66-70
10,970
17,141
21,426
24,683
29,619
35,544
42,013
46,214
48,582
50,040
71-75
12,638
19,747
24,684
28,436
34,124
40,948
48,401
53,241
55,969
57,648
76-80
14,454
22,586
28,232
32,524
39,029
46,834
55,358
60,894
64,014
65,935
81-85
19,047
29,761
37,201
42,855
51,427
61,712
72,945
80,239
84,350
86,881
86+
20,951
32,738
40,921
47,141
56,570
67,884
80,239
88,263
92,784
95,569
Plan A – Premium Table for spouse (for floater policy)
SI
1,00,000
2,00,000
3,00,000
4,00,000
5,00,000
6,00,000
7,00,000
8,00,000
9,00,000
10,00,000
50-55
1,332
2,081
2,602
2,997
3,596
4,316
5,101
5,611
5,899
6,075
56-60
2,358
3,684
4,605
5,305
6,366
7,640
9,030
9,933
10,441
10,755
61-65
3,657
5,714
7,142
8,228
9,873
11,848
14,005
15,405
16,194
16,680
66-70
5,693
8,897
11,121
12,811
15,372
18,447
21,804
23,985
25,215
25,971
71-75
6,812
10,644
13,305
15,327
18,393
22,071
26,088
28,698
30,168
31,073
76-80
8,094
12,648
15,810
18,213
21,856
26,227
31,000
34,101
35,848
36,923
81-85
11,066
17,291
21,614
24,899
29,879
35,855
42,380
46,619
49,007
50,477
86+
13,619
21,280
26,599
30,641
36,770
44,125
52,155
57,371
60,310
62,119
Plan B – Premium Table for Individuals / Premium Table for Senior most member (for floater policy)
SI
1,00,000
2,00,000
3,00,000
4,00,000
5,00,000
6,00,000
7,00,000
8,00,000
9,00,000
10,00,000
60-65
10,419
16,280
20,350
23,443
28,132
33,759
39,902
43,893
46,142
47,526
66-70
15,628
24,420
30,525
35,165
42,198
50,637
59,854
65,839
69,213
71,289
71-75
17,906
28,134
35,167
40,512
48,614
58,337
68,955
75,850
79,737
82,129
76-80
20,387
32,177
40,221
46,334
55,602
66,722
78,867
86,753
91,198
93,934
81-85
26,310
42,399
52,999
61,054
73,266
87,919
1,03,921
1,14,312
1,20,170
1,23,775
86+
28,941
46,639
58,298
67,160
80,592
96,711
1,14,312
1,25,743
1,32,187
1,36,153
Plan B – Premium Table for spouse (for floater policy)
SI
1,00,000
2,00,000
3,00,000
4,00,000
5,00,000
6,00,000
7,00,000
8,00,000
9,00,000
10,00,000
50-55
1,897
2,965
3,707
4,269
5,124
6,149
7,267
7,994
8,404
8,656
56-60
3,359
5,249
6,560
7,558
9,070
10,883
12,865
14,151
14,875
15,323
61-65
5,209
8,141
10,176
11,722
14,066
16,880
19,951
21,947
23,072
23,764
66-70
8,111
12,674
15,842
18,250
21,901
26,280
31,064
34,170
35,922
36,999
71-75
9,651
15,164
18,955
21,836
26,203
31,443
37,167
40,883
42,979
44,268
76-80
11,417
18,019
22,524
25,948
31,137
37,364
44,165
48,581
51,071
52,603
81-85
15,286
24,633
30,792
35,472
42,568
51,081
60,378
66,415
69,819
71,914
86+
18,812
30,316
37,894
43,654
52,385
62,862
74,303
81,734
85,922
88,500
Note: Age band 50-55 and 56-60 shall only available to spouse in floater policy
The premiums rates given above are all inclusive of TPA charges and exclusive of GST.
For without TPA – 6% discount on the premiums tabulated above.
Optional Cover
(a) Pre-existing diabetes/ hypertension
Cover
Additional Premium with/ without TPA
Copayment
Pre-existing diabetes or Hypertension
Additional Premium of 13.5% of individual premium
10% copayment on admissible claim amount for diabetes or hypertension claims
Pre-existing diabetes and Hypertension
Additional Premium of 30% of individual premium
25% copayment on admissible claim amount for diabetes or hypertension claims
GST extra
If policy is with TPA – Additional Premium percentage shall apply on the individual premium as per Rate Chart
If policy is without TPA – Additional Premium percentage shall apply on the individual premium discounted by 6% as specified in the Rate Chart.
(b) Outpatient treatment
Limit of cover
2,000
4,000
5,000
7,500
10,000
15,000
Premium
1,400
2,800
3,500
5,250
7,000
10,500
GST extra
(c) Critical Illness
Age Band
1,00,000
2,00,000
3,00,000
4,00,000
5,00,000
6,00,000
7,00,000
8,00,000
9,00,000
10,00,000
50-55
1,359
2,718
4,077
5,436
6,795
8,153
9,512
10,871
12,230
13,589
56-59
2,536
5,071
7,607
10,143
12,679
15,214
17,750
20,286
22,822
25,357
60-65
3,639
7,278
10,917
14,556
18,196
21,835
25,474
29,113
32,752
36,391
66-70
7,804
15,607
23,411
31,214
39,018
46,822
54,625
62,429
70,232
78,036
71-75
13,074
26,148
39,222
52,296
65,371
78,445
91,519
1,04,593
1,17,667
1,30,741
76-80
19,653
39,306
58,958
78,611
98,264
1,17,917
1,37,570
1,57,222
1,76,875
1,96,528
81-85
21,618
43,236
64,854
86,472
1,08,090
1,29,708
1,51,327
1,72,945
1,94,563
2,16,181
86+
24,861
49,722
74,582
99,443
1,24,304
1,49,165
1,74,025
1,98,886
2,23,747
2,48,608
GST extra
(d) Personal Accident
CSI
1,00,000
2,00,000
3,00,000
4,00,000
5,00,000
6,00,000
7,00,000
8,00,000
9,00,000
10,00,000
Premium
90
180
270
360
450
540
630
720
810
900
GST extra
No loading shall apply on renewals based on individual claims experience
